VISA Credit Card Application AgreementCard Application Agreement • December 29th, 2022
M1 VISA Credit Cards M1 CURewards MPower Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Fixed at 12.90% Fixed at 9.90% APR for Balance Transfers Fixed at 12.90% Fixed at 9.90% APR For Cash Advances Fixed at 14.00% Fixed at 12.00% Grace Period for Repayment of the Balancefor Purchases 25 days from Billing Cycle Closing Date Minimum Finance Charge per Billing Cycle $0.50 Method of Computing Balances for Purchases Average Daily Balance (including current purchases) Fees Annual Fee: None Transaction Fees:• Balance Transfer Fee• Cash Advance Fee:• Foreign Transactions • None• None• 1% for Foreign Transactions • Greater of 2% or $10.00• None• 2% for Foreign Transactions Penalty and Other Fees:• Late Payment Fee:• Returned Payment Fee:• Over Credit Limit Fee:• Express Fee:• Replacement Fee: • $15.00• $15.00• $20.00• $70.00 (card) & $70.00 (PIN)• $10.00 (card) & $10.00 (PIN) • $25.00• $35.00• None• $70.00 (card) & $70.00 (PIN)• None
