MIDFLORIDA, Your community credit union.

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Visa Platinum

Improve your purchasing power with a MIDFLORIDA Visa Platinum card. You’ll enjoy limits of $500 to $10,000 with no annual fee, 0% interest on balance transfers for one year* and free travel insurance. Plus, access up-to-date account information day or night with free Online Banking. Start saving money now with a Visa Platinum!

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Annual Percentage
Rate (APR) for
Purchases		 9.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers
0% introductory APR for 12 months.* After that, your Standard APR will be 9.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances
9.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies
17.99% This APR may be applied to your account if you make a payment that is late 60 days or more. However, if your standard rate is 18%, the Penalty APR will not apply.

How Long Will the Penalty APR Apply?
You must make 6 payments in a row on time to cancel the penalty rate and have your APR lowered to the rate in effect at the time the 6th on time payment is made.

How to Avoid Paying Interest on Purchases
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge
None

For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.

Fees to Open or Maintain Your Account
None

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:


$10.00 or 1% of the amount of each transfer, whichever is greater.
$20.00 or 2% of the amount of each cash advance, whichever is greater.
1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.

Penalty Fees

- Late Payment:
- Over-the-Credit-Limit:
- Returned Payment:


Up to $25.00 if your payment is late.
None
Up to $25.00 if your payment is returned for any reason.

Please see the disclosure that is given to you. The information is accurate as of January 3, 2012 and is subject to change after this date. Please contact us at Electronic Services Department, P.O. box 8008, Lakeland, FL, 33802 for any changes in this information.

Credit Card Disclosure Request
To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.

*Introductory rate applies only to initial credit card account at MIDFLORIDA.

To report a lost or stolen Credit Card, please call 877-602-9023 available 24 hours a day, 7 days a week.

New Account Holder Terms and Conditions