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CLASSIC CREDIT CARD TERMS

Important Visa Disclosure and Credit Information

NASA Federal Classic Credit Card Terms and Conditions
Interest Rates and Interest Charges
Annual Percentage Rate (APR)* For Purchases

12.9% to 17.99%

when you open your account, based on your creditworthiness.
APR For Balance Transfers

6.9% for balance transfers made within 90-days of account opening for qualified applicants, based on creditworthiness. The 6.9% will remain in effect for the life of balances transferred within the first 90-days of account opening. Balance transfers made after 90-days of account opening do not qualify for 6.9%.

Otherwise, 12.9% to 17.99%, based on creditworthiness.  

APR For Cash Advances 14.9% to 17.99%
Penalty APR and When it Applies 18.00%
This APR may be applied to your account if you make a late payment.

How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.

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 interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers 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 https://www.nasafcu.com/cfpb/.
Fees
Annual Fee None
Transaction Fees Balance Transfer: None
Cash Advance: 3% of advance ($5 minimum)
Foreign Transactions: 1% of transaction amount
Penalty Fees Late Payment: Up to $35 (Charged if minimum payment is not received by the due date.)
Over-the-Credit Limit: None
Returned Payment: Up to $35
Other Fees Card Replacement: None (Platinum Rewards);
Otherwise: $5

The minimum monthly payment is 2% of your total new balance, or $25, whichever is greater.

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your Account Agreement for more details.
 
Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights, is provided in your Account Agreement.
NCUA Your savings federally insured to at least $250,000
and backed by the full faith & credit of the U.S. Government.