Detected in the CFPB-filed cardholder agreements from Vantage Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~33.49%
Show the exact wording ↓Hide wording ↑
“…e that in such an event We would not lose Our right to apply any subsequent increase, whether or not occasioned by any previously unapplied increase. PENALTY RATE. If Your Account is more than 60 days past due, subject to applicable law, the Margin applicable to Your entire balance of transactions existing at t…”
Balance computationAverage daily balance including new purchases
Additional fees
Return Check Fee$25
Statement Copy Fee$10
Card Replacement Fee$10
Copy of a Receipt$10
Late fee policy: For payments more than 15 days late, 5.00% of the payment due, subject to maximum of $25.00 and a minimum of $10.00 (whenever the payment due is greater than $25.00).
Rewards, benefits and features
Rewards
None reported
Services
Automobile rental insurance
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Other
Who can get this card
AvailabilityRegional
StatesIL, MO
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-522-6009
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 14.74%$442.20
Annual / periodic fees$0
Total yearly cost$442.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
19 documents filed by Vantage Credit Union in the 2026 Q1 archive.