Credit Cards

VISA® Classic
from Grand Rapids State

Competitive Rates

Zero Fraud Liability

24/7 Customer Service in the U.S

Interest Rates & Fees Summary

Purchase APR	Annual Fees
15.48%^†	$0^†

Please see ^†Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

VISA® Classic

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	15.48%
APR for Balance Transfers	15.48%
APR for Cash Advances	15.48%* *An interest charge will be assessed on cash advances from the date of the cash advance, or the first billing cycle in which the cash advance is posted, whichever is later, and will continue to accrue until payment in full is made.
Paying Interest	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 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 http://www.consumerfinance.gov/learnmore

Fees
Annual Fee	0.00
Penalty Fees
• LATE FEE	If a payment is 11 days or more late, a fee of 5.00% of the regularly scheduled payment or $5.00, whichever is greater up to $35.00 will be assessed.
• RETURNED CHECK FEE	Returned check fee $30.00
Other Fees
• ISA FEES	A Visa International Service Assessment (ISA) Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer and will be shown separately from the transaction amount on your billing statement. A 1% fee will be assessed on international transactions when a currency conversion occurs and 1% when a currency conversion is not performed.

How will we calculate your balance? We use a method called "average daily balance (including new transactions).

Billing Rights: Refer to attachment to account agreement.