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||
7.9% for balance transfers made within 90-days of account opening for qualified applicants, based on creditworthiness. The 7.9% 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 7.9%.
Otherwise, 12.9% to 17.99%, based on creditworthiness.
|APR For Cash Advances||14.9% to 18.00% based on creditworthiness|
|Penalty APR and When it Applies||
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/.|
Balance Transfer: None
Cash Advance: 3% of advance ($5 minimum)
Foreign Transactions: 1% of transaction amount
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
Card Replacement: None (Platinum Rewards);
The minimum monthly payment is 2% of your total new balance, or $25, whichever is greater.