Terms and Conditions
You are applying to CENTRIS FEDERAL CREDIT UNION ("CENTRIS"), OMAHA, NEBRASKA, for a VISA Card and Agree: (a) that you will be bound by the terms of the CENTRIS FEDERAL CREDIT UNION Card Agreement that will be sent to you separately from your card(s) and you further agree to be bound by the terms of said Agreement and any future revisions thereof; (b) that CENTRIS reserves the right to change the benefit features associated with your card at any time; (c) that if you use the card or authorize its use or do not cancel your account within 30 days after you receive the card, the Card Agreement and any revisions thereof will be binding upon you and you will be responsible for all charges incurred and all applicable fees; (d) that CENTRIS will retain this application whether or not it is approved; (e) that everything stated on this application is true to the best of your knowledge; (f) that CENTRIS is authorized to check your credit, income and employment history, to secure follow up credit reports or employment verification, and to exchange information with appropriate agencies about your credit experience with CENTRIS; (g) that CENTRIS reserves the right to not open an account for you under certain circumstances, including, but not limited to, incomplete, inaccurate, or unverifiable information provided with your application, alteration of the name and/or mailing address; if you are less than 19 years of age; or based upon information from additional credit bureau reports; (h) that you must meet the qualifications for the card choice indicated above; if you don't meet those qualifications you may be offered one of the other card choices.
Residents of Illinois may contact the Illinois Commissioner of Banks and Trusts Companies for comparative information on interest rates, charges, fees and grace periods. State of Illinois-CIP, P.O. Box 10181, Springfield, Illinois 62791 (1-800-634-5452).
New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department 1-800-518-8866.
Rates, fees and other costs of this credit card are disclosed here as required by law. All account terms are governed by the Centris Federal Credit Union Platinum Visa Card Agreement (Agreement).
IMPORTANT DISCLOSURES
| Standard Annual Percentage Rate for Purchases(Standard APR) | 8.9% |
| Other Annual Percentage Rates (APR) | Reduced APR: 7.9%. See explanation (1) below. Cash Advance APR: 15%. Balance Transfer APR: 8.9%. Default APR: 18%. See explanation (2) below. |
| Variable-Rate Information | The annual percentage will remain fixed, subject to change. See explanation (3) below. |
| Grace Period for Repayment of Balance for Purchases | 25 days on average, provided the New Balance from the previous statement is paid by the Payment Due Date. |
| Method of Computing the Balance for Purchases and Balance Transfers | Average daily balance (including new transactions). |
| Annual Fee | None |
| Minimum Finance Charge | None |
| Transaction Fee for Cash Advances | 3% of Advance Minimum of $5.00 |
| Balance Transfer Fee | None |
| Late Payment Fee | $20.00 |
| Over limit Fee | $20.00 |
Returned Check Fee: $20.00
International Transaction Fee: 1% of the amount of each foreign transaction, calculated in U.S. dollars.
In order to qualify for the Centris Federal Credit Union Platinum VISA Credit Card you must meet certain qualifications.
The terms of your Account are subject to change as provided in the Agreement.
The grace period does not apply to Cash Advances, Letter Checks and Balance Transfers.
(1) Reduced APR is effective on active accounts when minimum payments have been received by the payment due date for 12 consecutive months, and the Agreement is not in Default. Reduced APR will apply to purchases and balance transfers only.
(2) Default APR is effective when a required payment is 30 or more days delinquent from the Payment Due Date or the Agreement is otherwise in Default. Default APR will apply to purchases, balance transfers, and cash advances, and will remain in effect until payments are received by the payment due date for 6 consecutive months or any other Default is cured, after which it will revert to the Standard APR.
(3) The applicable Annual Percentage Rate will remain fixed, subject to change upon 30 days notice to you. The Rate will not exceed the greater of 18% or maximum allowed by law.
Full details will be provided when you become a card member.
This truth in lending disclosure is accurate as of March 21, 2006 and is subject to change after that date. You should contact Centris to determine if any change in pricing has occurred since the application was printed. You may contact Centris at 334-7000 or toll free at 1-800-334-2328 or write to: Centris Federal Credit Union, 343 N 114th Street, Omaha, NE 68154-5506.
