How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases).*
Effective Date: The information about the costs of the card described in this application is accurate as of September 1, 2014. This information may have changed after that date. To find out what may have changed, contact Impact Credit Union.
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Returned Payment Fee $26.00 or the amount of the required minimum payment, whichever is less. In this event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required minimum payment, whichever is less.