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First Time User Low Rate Credit Card

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​​ ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​⁸Low Rate Platinum and Wright State University Alumni Association (WSUAA) Low Rate Platinum: The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 8.00%. The APR for Purchases, Balance Transfers and Cash Advances for the Low Rate Platinum and WSUAA Low Rate Platinum credit cards will vary from Prime Rate + 3.00% (currently 11.00% APR) to Prime Rate + 11.00% (currently 19.00% APR), depending upon your creditworthiness. The rate may increase or decrease quarterly, but it will never exceed 25.00% APR. Platinum Rewards and WSUAA Rewards: The APR is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 8.00%. The APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards and WSUAA Rewards credit cards will vary from Prime Rate + 6.00% (currently 14.00% APR) to Prime + 14.00% (currently 22.00​% APR), depending upon your creditworthiness. The rate may increase or decrease quarterly, but it will never exceed 25.00% APR. Earn unlimited 1.5% cash back on every qualifying purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards. First Time User: The APR for Purchases, Balance Transfers and Cash Advances for the First Time User credit card is 17.99% APR and is a fixed rate for the duration of the loan. Applicants must have an open WPCU checking account, provide proof of income, and provide two personal references. For college students to be eligible for a 1st Time User Credit Card, you must be enrolled in at least 2 classes per quarter with no established credit history or be employed with proof of income and no established credit history. Share-Secured: The APR for Purchases, Balance Transfers and Cash Advances for a Share-Secured credit card is 14.50% APR and is a fixed rate for the duration of the loan. To secure the amount of credit extended for the Shared-Secured credit card, funds will be held in the borrower’s TrueSaver® share account and unavailable for withdrawal until the account is closed. For All Credit Cards: All loans are subject to credit review and approval. APRs are accurate as of 12/01/2024​ and may change at any time. There is a Foreign Transaction Fee of 1.00% of the final settlement amount for transactions that are initiated in a foreign currency or for transactions occurring in foreign countries and initiated in U.S. Dollars. There is a Returned Payment Fee of the lesser amount of $10 for any payment returned unpaid or the minimum payment amount due for the returned payment. If your payment is more than five days late there is a Late Payment Fee of $20. Credit card applicants under 21 must demonstrate an ability to repay or have a qualified co-borrower or co-signer who is 21 or older​. Click here for Credit Card Rates, Fees and Other Cost Information​ related to our credit card products.​

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​​​*​VISA ZERO LIABILITY POLICY. This policy protects you from unauthorized charges if your card is lost or stolen. However, you should always use care in protecting your Card. You must notify us immediately and assist us in our investigation if your card is lost or stolen, or if you believe someone is using your card without your permission. Visa’s Zero Liability Policy does not apply to certain commercial cards, anonymous prepaid card transactions, or transactions not processed by Visa.​​​​

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