Visa Disclosure Information

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	Visa Coastal Rewards as low as 15.90% Visa Surf Wave as low as 11.90%
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.
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 https://www.consumerfinance.gov/data-research/credit-card-data/

Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None None None
Penalty Fees Late Payment Over-the-Credit Limit Returned Payment	Up to $10.00 Up to $10.00 Up to $15.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)"
The information about the costs of the cards described in this application is accurate as of September 12, 2023. This information may have changed after that date. To find out what may have changed, call us at (714) 536-6517 or write to us at P.O. Box E910, Huntington Beach, CA 92648-0857.