Platinum Visa Low rates are standard with your CBC Visa Platinum credit card. Easy cash advances and free convenience checks with low rates. Pay your credit card balances in any branch, online through CBC Online Access, or by mail. as low as14.50% APR1 Get Started Today! Apply Now CBC Visa® Cardholder Benefits Auto Rental CDW – Visa® Auto Rental Collision Damage Waiver benefit (Auto Rental CDW) provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. Personal ID Theft – The Personal Identity Theft benefit offers reimbursement for covered expenses you incur to restore your identity, up to a maximum of $5,000, as a result of a Covered Stolen Identity Event. Security and support designed to keep your transactions and personal information safe. Learn more. Falcon Fraud Detection System – This service provides you with additional VISA® Credit protection against fraud and theft. With the Falcon Fraud system, you receive continual monitoring of your card activity to help identify and prevent fraudulent transactions on your account. To report fraud or a lost or stolen card after hours call 800-234-5354. EMV Chip Technology – EMV technology adds a layer of security to your card that makes it virtually impossible for fraudsters to duplicate. Card Controls – With intuitive features such as real-time transaction alerts, customizable spending limits, and instant card blocking, Card Controls ensures users can manage and secure their financial transactions with ease and precision. You can find this feature in the CBC mobile app! Credit Card Disclosure VISA Credit Card Application and Solicitation Disclosure 1 APR = Annual Percentage Rate. Annual Percentage Rate (APR) for PurchasesVisa Platinum14.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.EPIC Rewards Platinum Visa17.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.APR for Balance TransfersVisa Platinum14.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.EPIC Rewards Platinum Visa17.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.APR for Cash AdvancesVisa Platinum14.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.EPIC Rewards Platinum Visa17.75% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.Penalty APR and When it AppliesVisa Platinum18.00%EPIC Rewards Platinum Visa18.00%This APR may be applied to your account if you:– Make a late payment.How Long Will the Penalty APR Apply?If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.How to Avoid Paying Interest on PurchasesYour 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 Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee– Annual FeeNONETransaction Fees– Balance Transfer Fee– Cash Advance Fee– Foreign Transaction FeeNONENONE1.00% of each transaction in U.S. dollarsPenalty Fees– Late Payment Fee– Returned Payment FeeUp to $25.00Up to $25.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. Effective Date: The information about the costs of the card described in this application is accurate as of: 10/24/2023 This information may have changed after that date. To find out what may have changed, contact the Credit Union. Other Fees and Disclosures Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you do not make the required minimum payment by the statement due date. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. Card Replacement Fee: $10.00 Rush Fee: $35.00 second day. Statement Copy Fee: $5.00 per document.