Credit Card Disclosures

GULF COAST EDUCATORS VISA CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
Gulf Coast Educators Visa Credit Card: 8.99% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
Annual Percentage Rate
(APR) for Balance Transfers
Gulf Coast Educators Visa Credit Card: 8.99% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
Annual Percentage Rate
(APR) for Cash Advances
Gulf Coast Educators Visa Credit Card: 8.99% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
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 any interest on purchases if you pay your entire balance by the due date each month.
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 – Free
Cash Advance – 1% or $5.00 of the amount of each cash advance, whichever is greater. No fee if done in GCEFCU branch.
Foreign Transaction – 1.00% of each transaction in U.S. dollars.

Penalty Fees
Late Payment – $25
Over-the-Credit-Limit – $25
Returned Payment Fee – $25

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 disclosure is accurate as of January 1, 2016.  This information may have changed after that date. To find out what may have changed, contact Gulf Coast Educators Federal Credit Union.

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