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ESL Visa® Gold Credit Card

Credit Card Rate Information:

Balance Transfer
Cash Advance

 6.73 - 14.74
 6.73 - 14.74
 6.73 - 14.74
  9.98% - 17.99% Variable
 9.98% - 17.99% Variable
 9.98% - 17.99% Variable
APR Floor:
Intro Rate:
 3.99% Fixed
 3.99% Fixed
 3.99% Fixed
Intro Period:
 6 billing_cycles
 6 billing_cycles
 6 billing_cycles

Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 18% Fixed
Default/Penalty Margin:
Default/Penalty APR Floor:
Maximum Default APR:
Penalty/Default Trigger:
 This APR may be applied to your account if your minimum monthly payment is not made for two consecutive billing cycles.
Credit Card Fee Information:

Annual Fee:
Foreign Transaction Fee:
Late Fee:
Over-the-limit Fee:
Balance Transfer Fee:


Rebate Description:
 Visa Rewards: Receive special offers and discounts from participating merchants.
Special Notes:
 Must be an ESL FCU member. APR for Purchases, Cash Advances and Balance Transfers: 3.99% Introductory APR for six billing cycles following the account open date (rate available to new accounts only). After that, between 9.98% to 17.99% based on your creditworthiness (variable with Prime rate). There is no grace period for cash advance or balance transfer transactions; finance charges accrue from the date of the transaction. Late Payment Fee: Up to $25. Returned Payment Fee: Up to $25. Grace Period: At least 25 days after the close of each billing cycle; Card issuer will not charge you interest on Purchases if you pay the entire balance by the due date each month. Penalty APR: If your APRs are increased for the stated reason, the Penalty APR will be applied until the billing cycle after your past due status is corrected.
Card Issued By:
General Correspondence Address:
 100 Kings Hwy, South Rochester, NY, 14617
Card Type:
Card Class:
Card Category:
 Balance Transfer, Credit Card Deals, Low Interest, Low Intro Rate
States Available In:
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 $15000 max.
Credit Limit Notes:

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