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Notice Regarding Debit Purchases at the Gas Pump:
Recently the network provider for a group of gas stations changed the pre-authorized hold they charge at the gas pump from $1 to $75 or more. When you choose your CAMPUS Visa Check Card to purchase gas and choose the "DEBIT" or "PIN" selection, a hold for $75+ is placed on your checking account. This hold is avoidable! Next time you purchase gas, choose "CREDIT" instead of "DEBIT" or "PIN". If your gas is purchased using "DEBIT" or "PIN" it's possible that the gas station can place a temporary hold on your funds for over $75 and, as a result, you could experience overdraft charges. If you have any questions regarding this notice, please call us today.
CAMPUS offers credit cards for members in every stage of life.
CAMPUS VISA Platinum
- choose fixed or variable rate
- flexible limits
- no annual fee
- low transfer rate
The CAMPUS/Children's Miracle Network VISA Platinum
The only card in the country that gives back to the Children's Miracle Network and Shands Children's Hospital at the University of Florida. All you have to do is make purchases with the card to generate donations - no interest payment is required. Last year CAMPUS raised over $74,000 for CMN.
- low fixed 9.8% APR on purchases and cash advances
- no annual fee
CREDIT CARDS
Customer Service: 800-654-7728
Lost/Stolen: 800-449-7728
Card Activation: 800-527-7728
Cardholder Select PIN: 800-221-9648
The ANNUAL PERCENTAGE RATE, corresponding daily periodic rate and amount and due date of payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance. Other charges that may be imposed are shown below (late charges, filing fees, collection costs, etc.).
Special Note: On all loans, except Shared Secured and Certificate Secured, your rate will be based on your credit worthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.
FIXED RATE VISA PLATINUM CREDIT DISCLOSURE
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Annual Percentage Rate (APR) for Purchases
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14.4% APR
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Annual Percentage Rate (APR) for
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Balance Transfers: 14.4%
Cash Advances: 14.4%
Late Payment Penalty: 17%*
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VARIABLE RATE VISA PLATINUM CREDIT DISCLOSURE
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Annual Percentage Rate (APR) for Purchases
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7.13% APR
as of January 29, 2009
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Annual Percentage Rate (APR) for
Variable Rate Information: The ANNUAL
PERCENTAGE RATE (APR) may vary based
on changes in the Index which is the highest
Prime Rate published in the Wall Street Journal
on the first Tuesday of each month. A margin of
3.9% will be added to the Index and then the rate
will be rounded up to thenearest 1/8th to determine
the APR.
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Balance Transfers: 7.13%
Cash Advances: 7.13%
Late Payment Penalty: 17%*
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CHILDRENS MIRACLE NETWORK
VISA PLATINUM CREDIT DISCLOSURE
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Annual Percentage Rate (APR) for Purchases
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9.8% APR
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Annual Percentage Rate (APR) for
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Balance Transfers: 9.8%
Cash Advances: 9.8%
Late Payment Penalty: 17%*
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DISCLOSURES FOR ALL CARDS
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Annual Fee
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None
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Grace Period for Repayment of Balance of Purchases
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You have a minimum 25-day fee period to pay off your balance before a periodic finance charge will be imposed.
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Method of Computing the Balance for Purchases
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Average daily balance (including new purchases)
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| International Transaction Fee |
1% of foreign transaction amount |
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Minimum Finance Charges
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None
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Late Payment Fee
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$34
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Over the Credit Limit Fee
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$34
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Return Check Fee
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$34
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Card Replacement Fee
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$15
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The minimum payment is the greater of $15 or 3% of your total new balance, not to exceed your total new balance, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit.
*If your payment is received after the due date three times within any six-month period, your APR will increase to 17% with a monthly periodic rate of 1.416%.
CREDIT INSURANCE COST DISCLOSURE
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Coverage
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Cost per $100 of your monthly balance
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Single Credit Life
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6.8
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Joint Credit Life
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11.9
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Single Credit Disability
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13.4
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