How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)."

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Promotional Period for Introductory APR - Visa Platinum:

The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first 365 days following issuance of your card. Any existing balances on Bay Atlantic Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

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Effective Date:

The information about the costs of the card described in this application is accurate as of April 12, 2023

This information may have changed after that date. To find what may have changed, contact the Credit Union.

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For California Borrowers, the Visa Classic, Visa Platinum and Success Card are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (1) any goods you purchase with this account, (b) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

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Notice to New York Residents:

New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contact at 1-800-342-3736 or www.dfs.ny.gov.

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Other Fees & Disclosures:

Late Payment Fee:

$25.00 of the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

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Returned Payment Fee:

$25.00 or the amount of the required minimum payment, whichever is less.

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Rush Fee:
$25.00