SECURED PLATINUM VISA CREDIT CARD

1) Purchase rates range from 14.90% as of 6/1/2025, based on underwriting. APR=Annual Percentage Rate. Rate may change with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the APR. The APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

2) APR for Balance Transfers: 14.90%. APR for Cash Advances: 18.90%. No Annual Fee. No Balance Transfer Fee. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater.  No Foreign Transaction Fee. Late Payment Fee: $5.00 or the amount of the required minimum payment, whichever is less, if you are fi15 or more days late in making a payment. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee: $10.00. If your account is subject to the Pay-By-Phone Fee, except as applicable by law, a fee will be charged for each time you make an expedited payment by telephone.