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Credit Card Terms & Conditions

Wescom Visa® Terms & Conditions


As required by law, rates, fees and other costs of this credit card offer are disclosed here. All account terms are governed by the Wescom Visa Agreement and Disclosure. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance" including new purchases.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Effective Date: The information about the cost associated with this card is accurate as of February 1, 2019 and subject to change after this date without notice.  To find out what may have changed, call 1-888-493-7266.

* Prime Rate: The variable APRs are based on the 5.50% Prime Rate Index as of February 1, 2019. The Monthly Periodic Rate and corresponding APR used in calculating the Monthly Periodic finance charge may increase or decrease during the term of this Agreement. Any such change will be based on an increase or decrease in the "Prime Rate" as published in The Wall Street Journal (herein "Index"). In the event that the Index ceases to be published, changes in your APR will be related to a comparable Index.

(1) Purchase, Balance Transfer, and Cash Advance APRs are based on the Prime Rate Index to which we add a margin based on your credit worthiness. The applicable margins range from 5.65% to 14.65%. The maximum APR is 20.15%.
(2) Balance Transfers and Cash Advances: means Credit Card Advances, ATM Cash Advances, Bank Cash Advances, Balance Transfers, and Cash Equivalent transactions. Cash Equivalent transactions include money orders, foreign currency and traveler's checks, person-to-person money transfers, Casino gaming chips, and bail bonds.