1Promotional Period for Introductory Annual Percentage Rate (APR). The Introductory APR for balance transfers, cash advances and purchases will apply to transactions posted to your account within 180 days of account opening. The introductory rate will be applied to Visa Platinum and Visa Platinum Rewards purchases, balance transfers and cash advances made during the first six billing cycles after Visa open date; any remaining balance will begin to accrue interest at the variable rate (based on creditworthiness), which is subject to change. Payments will be applied as stated in your Visa Consumer Credit Card Agreement. Any existing balances on current First Commonwealth Federal Credit Union loan and/or credit card accounts are not eligible for the introductory APR. Income verification required for credit lines of $10,000 and greater.
2APR=Annual Percentage Rate. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card (Platinum, Platinum Rewards), rate and the credit line granted are subject to the credit union’s underwriting guidelines. VARIABLE RATE INFORMATION: Visa Platinum: The APR is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%; Visa Platinum Rewards: The APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%.
3Minimum pledge required is $300. The APR varies based on the amount you have on deposit to secure this card.
4Benefits are subject to change. Certain restrictions, limitations and exclusions apply. Refer to your Guide to Benefits for complete details on all benefits provided.