| INTEREST RATES AND INTEREST CHARGES | VISA® LOW RATE CREDIT CARD | |
|---|---|---|
| Annual Percentage Rate(APR) for Purchases | 16.40% the APR will vary based on the Prime Rate | |
| APR for Balance Transfers | 0.00% introductory APR for 3 billing cycles on Balance Transfers completed within 3 months of account opening. After that, Your APR will be 16.40%. This APR will vary based on Prime Rate. | |
| APR for Cash Advances | 21.00% the APR will vary based on the Prime Rate | |
| 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. We will begin charging interest on cash advances and balance transfers on the transaction date | |
| Minimum Interest Charge/Minimum 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 www.consumerfinance.gov/learn | |
| FEES | VISA® LOW RATE CREDIT CARD | |
| Annual Fee | NONE | |
Transactional Fees - Balance Transfer |
3% of the amount of each transfer, minimum fee $10 | |
| Penalty Fees - Late Payment - Over-the-Credit-Limit - Returned Payment |
Up to $35 NONE Up to $32 | |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Refer to the corresponding account agreement for more details.
Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your account agreement.
Variable Rate Information: The APR will vary monthly based on the Prime rate for the U.S. published in The Wall Street Journal Money Rates section on the tenth (10th) day of each month and is computed by adding 14.65% for purchases and balance transfers and 19.65% for cash advances to the Prime rate. Rate will not exceed 21%. The information about the costs of the cards described above is accurate as of 1/26/26.
This information is subject to change. To receive the most up to date information, write to us at BankPlus, Card Services Department, P.O. Box 1830, Covington, LA 70434-1830 or call us at 888-811-PLUS (7587).
1 Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must
notify us immediately of any unauthorized use.
2. Standard rates and fees from your wireless carrier may apply.
3. For details visit http://usa.visa.com/personal/card-benefits/credit-card/index.jsp.