Affinity Credit Card Disclosures |
 Terms, rates, fees and conditions subject to change. |
73 Mountain View Boulevard PO Box 621 Basking Ridge, NJ 07920 Phone: 800-325-0808 Fax: 908-860-3880 |
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| Interest Rates and Interest Charges | ||||||||||||||||
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| Annual Percentage Rate (APR) for Purchases |
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| APR for Balance Transfers |
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| APR for Cash Advances |
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| Minimum Interest Charge | None | |||||||||||||||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. | |||||||||||||||
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard | |||||||||||||||
| Fees | ||||||||||||||||
| Annual Fees | None | |||||||||||||||
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Transaction Fees - Foreign Transaction Fee |
1.00% of each multiple currency transaction in U.S. dollars. 0.80% of each single currency transaction in U.S. dollars. |
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Penalty fees - Late Payment Fee - Returned Payment Fee |
Up to $25.00 Up to $25.00 |
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How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)"
Effective Date
The information about the costs of the card described in this application is accurate as of August 1, 2010.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
| Late Payment Fee | $25.00 | or the amount of the required minimum payment, whichever is less, if you are (5) or more days late in making a payment. |
| Returned Payment Fee | $25.00 | or the amount of the required minimum payment, whichever is less. |
| Statement Copy Fee | $3.00 | |
| Card Replacement Fee | $5.00 |