OHecu | VISA® Platinum Card

Online Loan Application
An easy way to apply for an OHecu loan.

Dealer Financing
Get your OHecu auto financing at these participating dealers.

VISA® Platinum Card

Same Low Rate for Cash Advances and Purchases.
No Annual Fee
25-Day Grace Period on Purchases

Please review the complete OHecu Visa Disclosure Statement before applying.

To apply, contact any OHecu office or apply online with the link below.

VISA® Platinum Card

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Verified by Visa®

Shop securely with Verified by Visa—it protects your card when you shop online.

When you shop at participating stores, you'll see new screens. Enter your information to activate your card and make your purchase.

Take a moment and register for Verified by Visa to have free password protection whenever you shop online. For participating stores visit Verified by Visa Places to Shop.

OHecu VISA CURewards® Program

Now, you can earn great rewards-such as airline tickets, cruises, hotel stays, car rentals and a wide range of merchandise-just by using your OHecu VISA Card.

For CURewards® Program information, contact our 24-hour Card Holder Service Center at 1-800-790-7728

TRUTH-IN-LENDING DISCLOSURE

Interest Rates and interest Charges
Visa Platimum	Rewards	Non-Rewards
Annual Percentage Rate (APR) for Purchases	9.25% to 20.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.	7.25% to 18.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.
APR for Ballance Transfer	9.25% to 20.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.	7.25% to 18.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.
APR for Cash Advance	9.25% to 20.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.	7.25% to 18.25% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.
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 any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50
For Credit Card Tips from the Federal Reserve Board	To learn about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees
Annual Fee	None
Transaction Fees
— Balance Transfer	Either $10 or 3% of the amount of each transfer, whichever is greater
— Cash Advance	Either $10 or 3% of the amount of each cash advance, whichever is greater
— Foreign Transaction	1% of each transaction in U.S. Dollars
Penalty Fees
— Late Payment	5% of outstanding balance / $5 minimum / $30 maximum
— Return Payment	$10

How We Calculate Your Balance: We use a Method called “avarge daily balance (including new purchases).”

OHecu will not discriminate on a prohibited basis on approval of loan applications
NOTE: The information about the costs of the card described in this solicitation is accurate as of July, 2010. This information may have changed after that date. To find out what may have changed, contact us at 216-621-6296 or write to us at 2554 E. 22nd St, Cleveland, OH 44115.