View PDF of Credit Card Solicitation Disclosure

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

Interest Rates and Interest Charges
	Visa® Platinum Advantage/Visa® Platinum Family	Visa® Platinum Rewards	Visa® Platinum Prime Lock	Visa® Advantage Secured
Annual Percentage Rate (APR) For Purchases	2.99% fixed introductory APR for 6 months, thereafter, the APR will be between 9.74% to 18.00% based on your credit standing. This APR will vary with the market based on prime.	2.99% fixed introductory APR for 6 months, thereafter, the APR will be between 10.74% to 18.00% based on your credit standing. This APR will vary with the market based on prime.	2.99% fixed introductory APR for 6 months, thereafter, the APR will be 7.75%. This APR will vary with the market based on prime.	2.99% fixed introductory APR for 6 months, thereafter, the APR will be between 9.74% to 18.00% based on your credit standing. This APR will vary with the market based on prime.
APR for Balance Transfers	Same APR as for purchases	Same APR as for purchases	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 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 http://www.consumerfinance.gov/learnmore/.

Fees
	Visa® Platinum Advantage/Visa® Platinum Family	Visa® Platinum Rewards	Visa® Platinum Prime Lock	Visa® Advantage Secured
Annual Fees	None	None	$50	None
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® Platinum Prime Lock	Visa® Advantage Secured
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
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 Platinum Advantage / Visa Platinum Family and Visa Advantage Secured accounts, the applicable margins range from 1.99% to 12.99%. For Visa Platinum Reward accounts, the applicable margins range from 2.99% to 12.99%. The APR for the Visa^® Platinum 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 November 1, 2024. 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.

View Credit Card Agreement Information

Call To Report Lost or Stolen

If your HFCU Visa Credit or Debit Card has been lost or stolen please contact one of the following numbers:

888-297-3416 (for calls made inside the U.S.A.)

206-389-5200 (for calls made outside the U.S.A.)

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.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty member of the military or a dependent.

NOTICE: federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). You may call toll-free 844-351-8387 to receive oral disclosures.