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Platinum MasterCard®
Tired of skyrocketing interest rates, high credit card fees, penalty APRs, and universal default? PTFCU offers a Platinum MasterCard® with a competitive interest rate, low or no fees, generous credit limits and stellar member service!
Platinum MasterCard® Features
Ø Annual Percentage Rate (APR)
o Variable rate
Ø No Annual Fee
Ø No Cash Advance Fee
Ø No minimum finance charge
Ø No acceleration or penalty APRs
Ø No universal default
Ø Credit Limits
o $5,000 to $40,000
Ø Travel Accident Insurance
o $1,000,000
Ø Early Fraud Detection
Ø Zero liability for lost or stolen cards*
Ø Auto Rental Insurance, Purchase Assurance, Emergency Card Replacement
Talk to a friendly PTFCU staff member today! Call us Monday to Friday, 7 am – 5 pm at 866-773-9835 or visit a branch!
*Does not apply to ATM Cash Disbursements
Platinum MasterCard® Credit Card Disclosure Information
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Annual Percentage Rate* (APR) for purchases, cash advances
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Variable rate APR = Prime rate (as published in the Wall St. Journal on the 15th day of the month and if it falls on the weekend, the next business day will be used.) plus a margin of 5% with a floor minimum of 10% and a maximum cap of 18%. Any rate change up or down will reflect on the next billing statement. The same rate applies for purchases and cash advances.
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Grace Period for purchases
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25 Days (when balance is paid in full each month)
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Grace Period for cash advances, balance transfers, and MasterCard® letterchecks/convenience checks
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None.
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Method of computing the balance of purchases
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Average Daily Balance (including new purchases)
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Annual Fee
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None
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Cash Advance Fee
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None
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Over-the-Limit Fee
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$20.00
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Late Payment Fee
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$20.00
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Card Replacement Fee
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$10.00
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Minimum Payment
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3% or $25.00, whichever is greater
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Minimum Finance Charge
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None
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*APR=Annual Percentage Rate. This information is accurate as of May 31, 2008. To find out about any changes, please contact our Member Service Center at 866-773-9835, press "0".
To report a lost or stolen MasterCard® credit card, call toll free 800-615-1161 anytime!
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