Platinum Card Terms & Conditions

Platinum Credit Card Terms & Conditions

Interest Rates and Interest Charges:
Annual Percentage Rate (APR) for Purchases for Visa Platinum or Platinum Rewards Cards 5% Promotional APR on all purchases for the first 18 months after card opening. Once the 5% APR Into Rate expires, your APR will return to your normal variable rate of 9.00% - 13.00% APR.

For Platinum Card your APR will be 9.00%, 11.00% or 13.00%based on your creditworthiness.  This APR will vary with the market based Prime Rate.
Annual Percentage Rate (APR) for Cash Advances & Balance Transfers for Visa Platinum

5% Promotional APR on all balance transfers and cash advances for the first 18 months after card opening.

After that, the APR on your Platinum Card will be 9.00%, 11.00% or 13.00%depending on your credit history.

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies 18.00% this APR may be applied to your account if you make a payment that is late 60 days or more.

How Long Will the Penalty APR Apply? If we increase your APRs due to late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments starting with the first payment after the date on which it is imposed. If the six consecutive on time minimum payments are not made, we have the option of keeping the Penalty APR on your account indefinitely.
Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances, balance transfers and credit card checks on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
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

Fees to Open or Maintain your Account
  • Annual Fee:
  • Application Fee:
Transaction Fees
  • Balance Transfer:
  • Cash Advance:
  • Foreign Transaction:
1% of the amount of each cash advance (minimum: $2.00; maximum:$20.00)
1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1.0% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.
Penalty Fees
  • Late Payment:
  • Over-the-Credit Limit:
  • Returned Payment
If your payment is late, up to $27.00 for the first offense and up to $35.00 each if 2 or more offenses occur within 6 months.
None. We do not allow transactions that will exceed your credit limit.
Up to $26.00 if your payment is returned for any reason.

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Nusenda Credit Union. The Power of WE®.

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