VISA Credit Cards
Get worldwide access and unparalleled purchasing power with a Platinum Visa® Credit Card from CalCom. Your CalCom Visa® Credit Card is accepted (over 27-million merchants worldwide). Our Visa Platinum offers low-rates and generous limits, so be sure to apply today! For more information about our Credit Cards please see the information below.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||10.00% - 18.00%|
|APR for Cash Advances||10.00% - 18.00%|
|APR for Balance Transfers||10.00% - 18.00%|
|Paying Interest||Your due date is at least 25 days after the close of each billing cycle. We do not charge youYour due date is at least 25 days after the close of each billing cycle. We do not charge youinterest on purchases if you pay your entire balance by the due date each month. We willbegin charging interest on cash advances and balance transfers on the transaction date.|
|For Credit Card Tips from the Federal Reserve Board||To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board.|
Transaction FeesTransaction Fees
• Cash Advance Fee
• Foreign Transaction Fee
3.00% of the amount of each cash advance, minimum of $3.00 and maximum of $30.00, whichever is greater
Penalty FeesPenalty Fees
• Late Payment Fee
• Returned Payment Fee
$25.00, $30.00 if one of your last six payments is late.
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”See you account Agreement for more details.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
Collection Costs. You agree to pay all costs of collection the amount you owe under this Agreement, including court costs and reasonable attorney’s fees.
|Document Copy Fee||$12.00|
|Emergency Card Replacement Fee||$150.00|
|Card Recovery Fee||$65.00|
The Purchase APR is 18.00% which is a monthly periodic rate of 1.5000%
The Cash Advance APR is 18.00% which is a monthly periodic rate of 1.5000%
The Balance Transfer APR is 18.00% which is a monthly periodic rate of 1.5000%