{"id":3747,"date":"2025-10-15T16:10:02","date_gmt":"2025-10-15T16:10:02","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/?page_id=3747"},"modified":"2025-10-15T16:10:41","modified_gmt":"2025-10-15T16:10:41","slug":"visa-credit-card-disclosures","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/","title":{"rendered":"Visa Credit Card Disclosures"},"content":{"rendered":"\n<style>\n            .page-wrap {width:100%; display:block; margin:0 auto; text-align:center;}\n            .container-wrap { width:100%; max-width:680px; text-align:left; margin:0 auto; }\n            .parent_div {\n                display:flex;\n                width:100%;\n                margin:0 auto;\n                flex-wrap:wrap;\n          \n            }\n            .column {\n                display:flex;\n                width:100%;\n                padding:0;\n                height:auto;\n                min-height:34px;\n                flex-wrap:wrap;\n            }\n            .col_x12 {width:100%;}\n            .col_x11 {width:91.66666667%;}\n            .col_x10 {width:83.33333333%;}\n            .col_x9 {width:75%;}\n            .col_x8 {width:66.66666667%;}\n            .col_x7 {width:58.33333333%;}\n            .col_x6 {width:50%;}\n            .col_x5 {width:41.66666667%;}\n            .col_x4 {width:33.33333333%;}\n            .col_x3 {width:25%;}\n            .col_x2 {width:16.66666667%;}\n\t.col_x1 {width:8.33333333%}\n\n\t.big-rates {font-size:2rem;}\n\n            table.custom-tab { border:solid 1px #000; border-collapse:collapse; }\n            table.custom-tab tr {background:#fff; font-family: \"PT Sans\",sans-serif;}\n            table.custom-tab td.tablesubheader {font-weight:bold; font-family: \"PT Sans\",sans-serif;background:#0d6b38;color:#fff}\n            table.custom-tab tr:nth-child(2n+1) {background: #f7f7f7;}\n            table.custom-tab tr > td { padding: 8px 15px; text-align:left; vertical-align:middle; font-family: \"PT Sans\",sans-serif;border:solid 1px #000; border-collapse:collapse;}\n            table.custom-tab tr > td.tablecol1 { width:35%; font-family: \"PT Sans\",sans-serif;}\n            table.custom-tab tr > td.tablecol2 { font-family: \"PT Sans\",sans-serif;}\n            table.custom-tab tr.tablesub-rowheader { background-color:#73c268; color:#fff;}\n            table.custom-tab tr.tablesub-rowheader td { color:#fff; font-weight:bold;}\n            \n            label[for]{cursor:pointer;}\n\n\t    .table-responsive{\n\t\tmax-width: 95vw;\n\t\toverflow-x: scroll;\n   \t    }\n            \n           \n                table.custom-tab tr.tablesub-rowheader, table.custom-tab td.tablesubheader { background-color:#000; color:#fff;}\n                table.custom-tab tr.tablesub-rowheader td { background-color:#000; color:#fff; font-weight:bold;}\n            }\n            \n            \n        <\/style>\n\n\n\n<div class=\"table-responsive\">\n            <table border=\"0\" class=\"custom-tab\">\n            <tbody>\n            <tr>\n                <td colspan=\"2\" bgcolor=\"#0d6b38\"><font color=\"ffffff\"><b>LCFCU Visa Card Disclosure<\/b><\/font><\/td>\n            <\/tr>\n            <tr valign=\"middle\">\n                <td class=\"tablecol1\" scope=\"row\"><b>Annual Percentage Rate for Purchases:<\/b><\/td>\n                <td class=\"tablecol2\"><h3><b>9.75%<\/b> APR<\/h3><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"tablecol1\"><b>Annual Percentage Rate for Cash Advances:<\/b><\/td>\n                <td class=\"tablecol2\"><h3><b>8.75%<\/b> APR<\/h3><\/td>\n            <\/tr>\n            <tr>\n              <td class=\"tablecol1\"><b>Annual Percentage Rate for Balance Transfers:<\/b><\/td>\n              <td class=\"tablecol2\"><h3><b>8.75%<\/b> APR<\/h3><\/td>\n            <\/tr>\n            <tr>\n              <td class=\"tablecol1\"><b>Paying Interest:<\/b><\/td>\n              <td class=\"tablecol2\">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. We will  begin charging interest on balance transfers and cash advances on the transaction date.<\/td>\n            <\/tr>\n            <tr>\n              <td class=\"tablecol1\"><b>For Credit Card Tips from the Consumer Financial Protection Bureau: <\/b><\/td>\n              <td class=\"tablecol2\">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  <a style=\"color:blue;\" href=\"http:\/\/www.consumerfinance.gov\/learnmore\" target=\"_blank\" rel=\"noopener\">http:\/\/www.consumerfinance.gov\/learnmore<\/a>.<\/td>\n            <\/tr>\n            <tr>\n                <td colspan=\"2\" bgcolor=\"#5FB15F\"><font color=\"ffffff\"><b>Fees<\/b><\/font><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"tablecol1\"><b>Annual Fees:<\/b><\/td>\n                <td class=\"tablecol2\"><b>NONE<\/b><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"tablecol1\"><b>Transaction Fees: <\/br>    \nForeign Transaction Fee<\/p><\/td>\n                <td class=\"tablecol2\"><br>Up to <b>1.00%<\/b> of each transaction in U.S. dollars <\/td>\n            <\/tr>\n            <tr>\n                <td class=\"tablecol1\"><b>Penalty Fees:<\/td>\n                <td class=\"tablecol2\"><br><b><\/b> Up to <b>$25.00 Late Payment Fee<\/b> <br>Up to <b>$25.00 Returned Payment Fee<\/b><\/td>\n            <\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n\n\n\n<p><strong>Collection Costs:<\/strong> You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney&#8217;s fees.<\/p>\n\n\n\n<p><strong>Periodic Rates:<\/strong><br> The Purchase APR is 9.75% which is a monthly periodic rate of 0.8125%<br> The Balance Transfer APR is 8.75% which is a monthly periodic rate of 0.7292%<br> The Cash Advance APR is 8.75% which is a monthly periodic rate of 0.7292%<\/p>\n","protected":false},"excerpt":{"rendered":"LCFCU Visa Card Disclosure Annual Percentage Rate for Purchases: 9.75% APR Annual Percentage Rate for Cash Advances: 8.75% APR Annual Percentage Rate for Balance Transfers: 8.75% APR 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 [&hellip;]","protected":false},"author":15,"featured_media":1348,"parent":497,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-3747","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Visa Credit Card Disclosures - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Visa Credit Card Disclosures - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\"LCFCU Visa Card Disclosure Annual Percentage Rate for Purchases: 9.75% APR Annual Percentage Rate for Cash Advances: 8.75% APR Annual Percentage Rate for Balance Transfers: 8.75% APR 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 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/\" \/>\n<meta property=\"og:site_name\" content=\"Library Of Congress FCU\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-15T16:10:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1421\" \/>\n\t<meta property=\"og:image:height\" content=\"411\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/\",\"url\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/\",\"name\":\"Visa Credit Card Disclosures - Library Of Congress FCU\",\"isPartOf\":{\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg\",\"datePublished\":\"2025-10-15T16:10:02+00:00\",\"dateModified\":\"2025-10-15T16:10:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#primaryimage\",\"url\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg\",\"contentUrl\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg\",\"width\":1421,\"height\":411},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"LOANS\",\"item\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"PERSONAL\/CREDIT CARD\",\"item\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"VISA Credit Card\",\"item\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Visa Credit Card Disclosures\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/#website\",\"url\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/\",\"name\":\"Library Of Congress FCU\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lcfcu.org\/wph\/workarea\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Visa Credit Card Disclosures - Library Of Congress FCU","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Visa Credit Card Disclosures - Library Of Congress FCU","og_description":"LCFCU Visa Card Disclosure Annual Percentage Rate for Purchases: 9.75% APR Annual Percentage Rate for Cash Advances: 8.75% APR Annual Percentage Rate for Balance Transfers: 8.75% APR 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 [&hellip;]","og_url":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/","og_site_name":"Library Of Congress FCU","article_modified_time":"2025-10-15T16:10:41+00:00","og_image":[{"width":1421,"height":411,"url":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/","url":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/","name":"Visa Credit Card Disclosures - Library Of Congress FCU","isPartOf":{"@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#primaryimage"},"image":{"@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg","datePublished":"2025-10-15T16:10:02+00:00","dateModified":"2025-10-15T16:10:41+00:00","breadcrumb":{"@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#primaryimage","url":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg","contentUrl":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/imgherocredit-card-copy.jpg","width":1421,"height":411},{"@type":"BreadcrumbList","@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/visa-credit-card-disclosures\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lcfcu.org\/wph\/workarea\/"},{"@type":"ListItem","position":2,"name":"LOANS","item":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/"},{"@type":"ListItem","position":3,"name":"PERSONAL\/CREDIT CARD","item":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/"},{"@type":"ListItem","position":4,"name":"VISA Credit Card","item":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/credit-card\/"},{"@type":"ListItem","position":5,"name":"Visa Credit Card Disclosures"}]},{"@type":"WebSite","@id":"https:\/\/www.lcfcu.org\/wph\/workarea\/#website","url":"https:\/\/www.lcfcu.org\/wph\/workarea\/","name":"Library Of Congress FCU","description":"Just another WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lcfcu.org\/wph\/workarea\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/pages\/3747","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/comments?post=3747"}],"version-history":[{"count":28,"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/pages\/3747\/revisions"}],"predecessor-version":[{"id":3982,"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/pages\/3747\/revisions\/3982"}],"up":[{"embeddable":true,"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/pages\/497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/media\/1348"}],"wp:attachment":[{"href":"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-json\/wp\/v2\/media?parent=3747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}