 At
Marshland Credit Union, we offer the Visa Classic credit
card. Your credit card should offer convenience, not high costs. Why
spend more on fees and interest charges than you have to? Discover
the savings of a Marshland Credit Union Visa Card. You'll enjoy the following
benefits:
- No annual fee
- 25-day grace period
- No transaction fee on cash advances
from your credit union (interest accrues from the day of the advance)
- Optional life and disability insurance
available at low rates
Please click
here to report a lost or stolen Marshland Credit Union Visa Classic
credit card.
| Interest Rates and Interest Charges |
Visa* |
| Annual Percentage Rate (APR) For Purchases |
9.9% |
| Annual Percentage Rate (APR) For Balance Transfers |
9.9% |
| Annual Percentage Rate (APR) For Cash Advances |
9.9% |
| 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 interest on purchases if you pay your entire balance by the due date (grace period) each month. (You have no grace period in which to pay your balance for Cash Advances or Balance Transfers before a finance charge will be imposed.) |
| Minimum Interest Charge |
If you are charged interest, the charge will be no less than $0.00 |
| 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 Federal Reserve Board at http://www.federalreserve.gov/creditcard/ |
| Fees |
Visa* |
| Annual Fee |
NONE |
| Transaction Fees |
Visa* |
| Balance Transfer |
NONE |
| Cash Advances |
NONE |
| Foreign Transaction |
NONE |
| Penalty Fees |
Visa* |
| Late Payment |
$10.00 or 5.0% of minimum payment, whichever is greater, if the minimum required payment is not received within 10 days after the closing date subsequent to the payment due date. |
| Over-the-Credit-Limit |
NONE |
| Return Payment |
Return fee of $32.00 will be charged for any returned checks. |
| Other Fees |
NONE |
How We Will Calculate Your Balance: We used a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
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