VISA PLATINUM DISCLOSURE

 

KENTUCKY TELCO VISA PLATINUM
SUMMARY OF TERMS
EFFECTIVE MARCH 1, 2012

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.90%, 9.90%, 11.90%, 14.90%, or 17.90% based on your creditworthiness.

APR for Balance Transfers

8.90%, 9.90%, 11.90%, 14.90%, or 17.90%

APR for Cash Advances

8.90%, 9.90%, 11.90%, 14.90%, or 17.90%

Penalty APR

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.

Minimum Interest Charge

NONE

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

Fees

Annual Fee

NONE

Transaction Fees

 

  • Balance Transfer

 

  • Cash Advance

 

  • Foreign Transaction

 

 

NONE

 

NONE

 

1% of each transaction in U.S. dollars

Penalty Fees

 

  • Late Payment

 

  • Returned Payment

 

 

Up to $25

 

Up to $25

 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new transactions).”  Please see Cardmember Agreement Terms and Conditions for more details.

 

The information about the cost of the card described in the application is accurate as of March 1, 2012.

 

 

Rev. 03/12

  

Back to Top