Rates, Fees, and Terms

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Interest Rate and Interest Charges(Effective )
Annual Percentage Rate (APR) for Purchases

0.00% introductory APR on purchases during the first fourteen (14) months on account opening.

Thereafter, your APR for purchases will be 12.99% to 17.99%. This APR will vary with the market based on the Prime Rate* and credit worthiness.

APR for Balance Transfers

0.00% introductory APR for the first fourteen (14) billing cycles for balances transferred within 60 days from account opening.

After that the APR will be 13.99% to 18.00%. This APR will vary with the market based on the Prime Rate* and credit worthiness.

APR for Cash Advances

13.99% to 18.00%. This APR will vary with the market based on the Prime Rate*.

Penalty APR and when it applies

18.00% APR. This APR may be applied to your account if your account is past due by two minimum payments.
How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $.50.

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 and balance transfers on the transaction date.

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 Web site of the Consumer Financial Protection Bureau.

 
Fees
Transaction Fees:
Balance Transfer

Either $10.00 or 2% (4% for Business Rewards Visa ) of the amount of each transfer, whichever is greater.

Cash Advance

Either $10.00 or 3% (4% for Business Rewards Visa ) of the amount of each cash advance, whichever is greater.

Foreign Transaction

None

Penalty Fees:
Late Payment

Up to $15.00 ($28.00 for Business Rewards Visa )

Returned Payment

Up to $25.00 ($35.00 for Business Rewards Visa )

Over-the-Credit Limit

Up to $15.00

Annual Fee

None

Done

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement:
The above disclosure represents important details concerning Provident Credit Union's credit card. The information is accurate as of the effective date stated above and may change after this date. You may call us toll free at (800) 632-4600 or write us at Provident Credit Union, 303 Twin Dolphin Drive, Redwood City, CA 94065 to inquire if any changes have occurred since the date stated above.
* The Prime Rate used to determine the APR is the rate published in The Wall Street Journal.