Credit card application

Visa Application and Solicitation Disclosure

A sample disclosure for this demo site. The rates and fees below are placeholders, not an offer of credit.

Sample rates and fees for the Copper Visa card
Annual Percentage Rate (APR) for purchases	13.90% to 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for balance transfers	13.90% to 17.90%, based on your creditworthiness.
APR for cash advances	18.90%.
How to avoid paying interest on purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum interest charge	None.
Annual fee	None.
Balance transfer fee	None.
Cash advance fee	$5 or 2% of the amount of each cash advance, whichever is greater.
Foreign transaction fee	None.
Late payment fee	Up to $20.
Returned payment fee	Up to $20.

How we calculate your balance: we use a method called “average daily balance (including new purchases).” Billing rights: information on your rights to dispute transactions and how to exercise those rights is provided in the Copper Visa Cardholder Agreement.