Hawaii Central Credit Union

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Lost or Stolen VISA?

Report a Lost or Stolen VISA® Credit or
Check Card.
Call VISA® direct at
1-800-449-7728

You can visit, call, write, or e-mail us at anytime. We are here to serve you.

National Credit Union Administration

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government

We do Business in Accordance with Federal Fair Lending Laws

Disclosure

VISA® Credit Card Disclosure

Annual Percentage Rate

VISA Gold: 12.0%*

VISA Classic: 13.5%*

Grace Period for Repayment

You have 25 days from the date of the periodic statement (provided you have paid your previous Balance for Purchases in full by the due date) to repay your balance for purchases before a finance charge for purchases will be imposed.

Method of computing the
balances for purchases

Average daily balance (including new purchases).

Annual Fee**

$10.00

Other Fees

Cash Advance Fee: None	Overlimit Fee: 10.00
Late Payment Fee: $10.00

The information about the costs of the VISA credit card described in this application is accurate as of July 2001. This information may have changed. To find out what may have changed, please call the Loan Department at (808) 536-0833 or write us at P.O. Box 22249, Honolulu, Hawaii 96823-2249.

*A 9.9% rate is available (with a net payroll assignment or payroll deduction of at least $500 monthly) for your "VISA Payroll Account". Your annual percentage rate for your VISA may increase to 13.5% for Classic or 12% for Gold at the time of renewal if you cease your direct deposit (net payroll assignment or payroll deduction) as required under the VISA Payroll Account program or if you do not meet your obligations under the VISA agreement.**Can be waived for $1,200 in purchases during the prior year.

Returned Check Fee: $10.00

Replacement for Loss of Stolen Cards: $10.00

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