Platinum Rewards Secured Visa Credit Card

Pricing in S a F E Credit Union's Platinum Rewards Secured Visa Credit Card agreement is expressed relative to the Prime Rate. This review treats those figures as margins, which is what they are, and compares the fee terms that can be compared.

On the face of the filing

Platinum Rewards Secured Visa Credit Card is one of the agreements S a F E Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs nine pages.

The disclosure covers a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

How this filing expresses its pricing

What this agreement discloses is a set of margins added to the Prime Rate. Until Prime is supplied, none of these figures is an APR, and this page will not treat them as one.

Because the filing prices off an index, the dollar cost of a balance cannot be computed from the document alone. It is the current Prime Rate that completes the sum, and that changes.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

What the card costs before you borrow

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

What a missed payment costs

On the fee side, a late payment can cost up to $15, which is around the 11th percentile here.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What is outside the disclosure

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and an annual fee. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Against the rest of S a F E Credit Union's filings

S a F E Credit Union has 15 agreements indexed on this site.

The document itself

Everything here is a reading of the filed agreement, nine pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The honest summary is that this filing discloses a structure rather than a price. The margins are real and comparable to each other; the cost of borrowing is whatever Prime makes it.