Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right:
Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.
Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) you must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant or mailed you the advertisement for the property or services. GECU MEMBER SERVICE: Call 0.000.000.0000, 24 hours a day, seven days a week. (Please have account information available).
Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.99% APR for Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance 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. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.
Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current address; and the purchase price must have been for more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. A claim under this special rule may not exceed the amount actually billed to your Account and does not apply to purchases made outside the United States.
Special Rule for Credit Card Purchases. If you have a problem with the quality of the property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state within 100 miles of your current mailing address; and
Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or service. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers and cash advances Your APR will be 6.00% to 18.00% Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.00%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. 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. We will begin charging interest on balance transfers and cash advances on the transaction date. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.00
Special Rule for Credit Card Purchases. If You have a problem with the quality of property or services that You purchased with a credit card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in Your home state or, if not within Your home state, within 100 miles of Your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if We own or operate the merchant, or if We mailed You the advertisement for the property or services. In case of errors or questions about Your electronic funds transfer (Federal Electronic Funds Transfer Act) Telephone Us at (000) 000-0000 or toll-free at 1-800-543-2870. Or write Us at Xxxxx Xxxxxxx Federal Credit Union, 0000 Xxxx Xxxxxxxx Xxxxxx, Xxxxxxxxx, XX 00000, as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transfer listed on the statement or receipt. We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared.
Special Rule for Credit Card Purchases. If You have a problem with the quality of property or services that You purchased with a credit card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the property or services. There are two limita- tions on this right: (a) You must have made the purchase in Your home state or, if not within Your home state, within 100 miles of Your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed You the advertisement for property or ser- vices. The following notices may apply to You. Their placement as notices herein do not indicate that these States have any jurisdiction over this Agreement.
Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: *You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing address; and *The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. NOTICE. IF YOU DO NOT AGREE TO THE TERMS OF THIS DISCLOSURE AND AGREEMENT, DESTROY YOUR VISA CREDIT CARD IMMEDIATELY BY CUTTING IN HALF AND RETURN IT TO USAgencies CREDIT UNION, 00 XX XXXXXX STREET, PORTLAND, OR 97204.
