Labette Bank
Credit Cards

Visa®
from Labette Bank

Visa®

Visa®
from Labette Bank



Important Disclosures

Competitive Rates

Competitive Rates

Zero Fraud Liability

Zero Fraud Liability

24/7 Customer Service in the U.S

24/7 Customer Service in the U.S

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
12.99%
Annual Fees
$0
Purchase APRAnnual Fees
12.99%$0

Please see Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

Additional Product Features

  • Online account information

Important Disclosures

Visa®
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Variable APR 12.99% This APR will vary with the market based on the Prime Rate*
APR for Balance Transfers 17.99% Fixed
APR for Cash Advances 17.99% Fixed
Penalty APR and When It Applies None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances and/or balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau 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 http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
• Balance Transfer None
• Cash Advances Up to 3.0% of the amount advanced, with a minimum of $5.00
• Foreign Transaction None
Penalty Fees
• Late Payment Up to $25.00
• Over-the-Credit Limit None
• Returned Payment None
Other Fees None

* The prime rate used to determine your APR is the rate published in the Wall Street Journal on the 1st business day of the year - Minimum 12.99% and Maximum 17.99%.

How We Will Calculate Your Balance: We will use a method called Average Daily Balance including new purchases.

Billing Rights: Refer to your account agreement.

Military Lending Act: Federal law provided important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependant may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit account).