Great news! We've extended our 5.9% fixed APR* on balance transfers through August 31, 2010.
Visa® Platinum Credit Card with CURewards®
Why pay higher interest on other cards when you can open an Xceed Platinum Visa Card, consolidate those balances, and receive a great 5.9% balance transfer APR for 12 months?1 Pay only $29 per balance transfer instead of a 3-5% fee charged by many lenders.
Don't forget the additional perks of holding an Xceed Platinum Visa Card with CURewards:
- No annual credit card fee.
- Earn one point for each dollar spent on all purchases
- Redeem your rewards points for merchandise, travel, gift certificates, and more just by visiting www.curewards.com.2
Ready to get yours? Apply online now, call 800.XFCU.222 or visit your local Xceed Financial Center today.
Xceed Financial Credit Union loan limits, requirements, and underwriting guidelines will be followed. Ask an associate for complete details. Credit card application must be submitted by August 25, 2010. Balance transfers must be completed by August 31, 2010.
*APR (Annual Percentage Rate).
1Promotional rate valid for 12 months from date of card issue. Thereafter, standard variable rate applies. As of July 1, 2010, standard variable rate for Visa® Platinum with CURewards is 13.99% or 14.99%, based on credit criteria. Balance transfers may not be used to pay off or pay down any Xceed Financial Credit Union account. Xceed Financial Credit Union is an equal opportunity lender.
2Certain conditions and exclusions may apply. Details will be provided when you become a cardmember. Terms and conditions subject to change at any time.
Xceed Consumer Visa Platinum Card |
| Annual Percentage Rate (APR) for purchases: |
8.99% APR variable (Without Rewards)
13.99-14.99% APR variable (Rewards)
(as of 07/01/2010) |
| Balance Transfer APR: |
8.99 - 14.99% APR variable. |
| Cash Advance APR: |
8.99 - 14.99% APR variable. |
| Penalty APR: |
18%. See explanation below. † |
| Variable Rate Information: |
Your APR may vary. The rate is determined monthly by adding 11.74% to the Prime Rate. †† |
| Grace Period for repayment of balances for purchases: |
Not less than 25 days from the closing date of the billing cycle (provided you have paid your previous New Balance in full by the due date). |
Method of computing the balance for purchases: |
Average daily balance (including new purchases). |
| Transfer Fee for cash advances: |
$29 |
| Balance Transfer Fee |
$29 |
| Late Payment Fee: |
$29 |
| Minimum Finance Charge |
$1 |
Visa Platinum Limited Disclosure
The words “we,” “us,” “our,” and “Credit Union” refer to Xceed Financial Federal Credit Union. The words “you” and “your” mean any person who opens this Account, any joint party, guarantor, authorized user, or the person whose name is embossed on the card.
†A penalty rate of 18% will apply to existing and future purchases and cash advances at any time your Account becomes two (2) monthly billing cycles past due in any twelve (12)-month period; Finance Charges on the Account balance will be calculated at the default annual percentage rate of 18% (corresponding daily default periodic rate of 0.0493%). When we have subsequently received six (6) minimum monthly payments on your Account on time, your annual percentage rate will revert to the then current prevailing annual percentage rate. An increase in the APR will cause higher finance charges and higher minimum payments.
††The APRs for purchases, cash advances, and balance transfers may vary monthly and are determined by adding a fixed percentage (a “margin”) to the Prime Rate as published in The Wall Street Journal on the last day of each month (or on the next business day if The Wall Street Journal is not published on that day). The margin for purchases, cash advances, and balance transfers is 11.74%, and the maximum APR is 18%.
Please contact us at Card Services, 888 North Nash Street, El Segundo, CA 90245 or 800.XFCU.222 (800.932.8222), if you wish to ascertain changes, if any, to the Credit Union’s Visa program. We do business in accordance with the Equal Credit Opportunity Act. All loans are subject to credit approval. The above information is current as of April 1, 2010. Offer valid through April 30, 2010. Rates and terms subject to change at any time.
Balance Transfer Terms and Conditions
Please read this document carefully and keep it with your records. The words “we,” “us,” “our,” and “Credit Union” refer to Xceed Financial Federal Credit Union. The words “you” and “your” mean any person who opens this Account, any joint party, guarantor, authorized user, or the person whose name is embossed on the card.
If you request a balance transfer, the following terms and conditions apply:
You must apply and be approved for a new Xceed Platinum Credit Card Account during this promotional offer, which ends August 31, 2010.
You authorize us to bill your new Xceed Platinum Credit Card Account in the amount(s) indicated to us. Balance transfer(s) must not include requests to pay any Xceed account, “Payee,” “Cash,” or a person with your surname.
You understand that we will advise you if we are unable to process your request for any reason. You acknowledge that your request to pay off the creditors you requested may take up to 30 (thirty) days after submission, so you may still need to make payments to your other accounts to keep them current. In addition, Xceed will not be responsible for any charges billed to you or the Account(s) indicated at the time of your balance transfer request. Incomplete balance transfer information will result in a delay in processing your request. You understand that we will process balance transfers in any order we choose, subject to your available credit. If you transfer an amount for a transaction you dispute, you may lose your rights against the other creditor.
Each balance transfer will receive the Annual Percentage Rate up to your available credit limit. Aggregate balances transferred under this offer will receive a rate of 5.9% variable APR.
There is no grace period for balance transfers. Each balance transfer will be subject to the terms of the Credit Card Agreement governing your Account. You understand that your balance transfer request(s) will receive the promotional rate but are posted as cash advances according to the terms of your Xceed Financial Credit Card Agreement and are subject to credit availability and your qualification as a member in good standing. You understand that FINANCE CHARGES WILL BE ASSESSED FROM THE DATE EACH ADVANCE IS POSTED to your Xceed Financial Credit Card Account. A “Balance Transfer” will appear on your Xceed billing statement for each transfer processed.
IF AT ANY TIME YOUR ACCOUNT BECOMES 60 DAYS PAST DUE, ACCORDING TO THE TERMS AND CONDITIONS OF THE CREDIT CARD AGREEMENT GOVERNING YOUR ACCOUNT, THE PROMOTIONAL 5.9% APR OFFER STATED HEREIN WILL BECOME NULL AND VOID AND ALL PROMOTIONAL APR BALANCES WILL IMMEDIATELY REVERT TO THE NONPROMOTIONAL PREVAILING OR PENALTY APR ON THAT ACCOUNT (AS APPLICABLE).
Xceed Financial Credit Union reserves the right to modify and/or discontinue your ability to make balance transfers under the terms and conditions of this offer at any time without prior notice.
Rates and terms are subject to change at any time. Other terms and conditions may apply. We reserve the right to change the account terms should your credit profile change or for other reasons described above.
The minimum credit card opening balance is $500. The exact amount will be determined upon your acceptance.
