Here are the important details of your Platinum MasterCard®

Click here for the full card agreement.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00 % intro APR for the first 12 billing cycles from date of account opening. After the intro APR expires, your APR will be 14.49 % to 18.00 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 14.49 % to 18.00 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00 % intro APR for the first 12 billing cycles from date of account opening. After the intro APR expires, your APR will be 14.49 % to 18.00 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate
Interest Avoidance Balance Pay the Interest Avoidance Balance every month by your due date to avoid interest on non-Installment Plan purchases and avoid prematurely paying off your Installment Plan Balances. This amount includes your current statement New Balance, minus your Installment Plan Remaining Balance and any eligible Promotional Balances (if applicable), plus your monthly Installment Plan Payment amount due. It does not include disputed amounts.
Paying Interest Your due date will be a minimum of 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance or Interest Avoidance Balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Balance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance or Interest Avoidance Balance by the due date, you will lose your interest-free period on new purchases unless your balance is in a promotional interest free promotion.
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 FeeNone
Transaction Fees
  • Balance Transfers
  • Cash Advances
  • Foreign Transactions
  • 2%
  • None
  • 1% of the U.S. Dollar amount of each transaction made outside the United States.
Penalty Fees
  • Late Payment Fee
  • Returned Check Fee
  • $10.00 or 10% of the outstanding balance, whichever is less.
  • $4.50
  • Replacement Card
  • Emergency Replacement Card
  • $20.00. If issued the same day, $31.00
  • $50.00

How We Will Calculate Your Balance:

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

When you make a payment, generally, we first apply your minimum payment to the monthly obligation for any Installment Plan offer balances, which requires repayment of the balance over a pre-selected number of billing periods, and then to the balance on your monthly statement with the lowest APR. Any payment above your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first. If you do not pay your New Balance or Interest Avoidance Balance, as shown on your statement, in full each month, you may not avoid paying interest on your new, regular purchases.

The Harvard FCU Privacy Notice is available at www.harvardfcu.org/policies.