GETTING DISCLOSURES FROM YOUR BANK CREDIT CARD COMPANY?

LARGE BANKS ARE TRYING TO RAISE INTEREST RATES, FEES, AND PAYMENT AMOUNTS BEFORE THE CREDIT CARD ACT TAKES EFFECTIVE IN FEBRUARY.

• LARGE NATIONAL BANK A IS RAISING THEIR INTEREST RATES UP TO 46%
• LARGE NATIONAL BANK B IS INCREASING PENALTY INTEREST BY 6.25%
• LARGE NATIONAL BANK C BEGAN COLLECTING ANNUAL FEES RANGING FROM $30-90
• LARGE NATIONAL BANK D INCREASED ITS MINIMUM PAYMENT FROM 2% UP TO 5%

FILER CREDIT UNION HAS CHOSEN TO TAKE THE HIGH ROAD

• OUR INTEREST RATE IS STILL 11.88% APR  
• OUR MINIMUM PAYMENT IS STILL 3%
• OUR LATE PAYMENT FEE IS STILL $10.00 (AFTER 15 DAYS)
• OUR CARD STILL HAS NO ANNUAL FEE
• OUR CARD STILL HAS A 25 DAY GRACE PERIOD

Still want to keep your other card? See a loan officer today to have balances transferred.