RATES, CHARGES, FEES AND OTHER IMPORTANT INFORMATION FOR YOUR VISA® PLATINUM ADVANTAGE, VISA® PLATINUM REWARDS, or VISA® PRIME LOCK ACCOUNT

Interest Rates and Interest Charges
	Visa® Platinum Advantage	Visa® Platinum Family	Visa® Platinum Rewards	Visa® Prime Lock
Annual Percentage Rate (APR) For Purchases	2.99% fixed introductory APR for 6 months, thereafter, your rate will be between 10.49% to 15.49% based on your credit standing. This APR will vary with the market based on prime.	2.99% fixed introductory APR for 6 months, thereafter, your rate will be between 10.49% to 15.49% based on your credit standing. This APR will vary with the market based on prime.	2.99% fixed introductory APR for 6 months, thereafter, your rate will be between 11.49% to 16.49% based on your credit standing. This APR will vary with the market based on prime.	2.99% fixed introductory APR for 6 months, thereafter, your rate will be 8.50%. This APR will vary with the market based on prime.
APR for Balance Transfers	Same APR as for purchases	Same APR for Balance Transfers	Same APR as for purchases	Same APR as for purchases
APR for Cash Advances	Same APR as for purchases	Same APR as for purchases	Same APR as for purchases	Same APR as for purchases
Penalty APR and When it Applies	None
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.
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	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 http://www.consumerfinance.gov/learnmore/.

Fees
	Visa® Platinum Advantage	Visa® Platinum Family	Visa® Platinum Rewards	Visa® Prime Lock
Annual Fees	None	None	None	$50
Transaction Fees
Balance Transfer	None
Cash Advance	None
Foreign Transaction	1% of each transaction in U.S. dollars for international transactions

Penalty Fees
	Visa® Platinum Advantage	Visa® Platinum Family	Visa® Platinum Rewards	Visa® Prime Lock
Late Payment Fee	$15.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Over-the-Credit-Limit Fee	$15.00 will be charged when you exceed your account balance limit by more than $100. This will be charged only once per billing cycle, regardless of the number of times your account balance becomes over the limit by more than $100 during a billing cycle.
Returned Payment Fee	$30.00 or the amount of the required minimum payment, whichever is less.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Variable Rates. Purchase, Cash Advance and Balance Transfer APRs are based on the Prime Rate (index) to which we add a margin based on your creditworthiness. For Visa accounts, the applicable margins range from 2.99% to 12.99%. The rate for the Visa^® Prime Lock is variable and adjusts with the Prime Rate. No margins are added to the Prime Rate for the Visa^® Prime Lock.

Effective Date.
The information about the cost of the cards described in this application is accurate as of December 2015. This information may have changed after that date. To find out what may have changed, call 1-866-687-4328 or write to Houston Federal Credit Union at 16320 Kensington Drive , Sugar Land, TX 77479.

Call To Report Lost or Stolen

Visa® Credit Cards and Visa® CheckCard
Call 1-800-682-6075
Available 24 hours a day, 7 days a week.

Call To Report Transaction Dispute

Visa® Credit Cards and Visa® CheckCard
Call 1-866-OUR-HFCU (1-866-687-4328)
Available Monday through Friday 8:30 a.m. – 4:30 p.m.
OR
Refer to the back of your Visa® monthly statement

To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.