Dupaco Platinum Visa Credit Card Pricing Disclosure

On the record for Dupaco Platinum Visa Credit Card Pricing Disclosure: a purchase APR of 12.5%–19.5% and a 2.9% introductory rate, filed by Dupaco Community Credit Union. That purchase rate ranks near the 41st percentile across this corpus of 4,587 filings.

What this filing discloses

The document behind this page is Dupaco Community Credit Union's filed agreement for Dupaco Platinum Visa Credit Card Pricing Disclosure. The filing runs two pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a balance transfer rate, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a penalty rate and an annual fee line.

Introductory pricing

For the first six months the filing sets a reduced rate of 2.9%. Balances still cost something during that window.

Among the 763 filings here that disclose an introductory rate, 2.9% sits at about the 73rd percentile.

The go-to rate is 19.5%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $1,076 a year on $5,000.

How the purchase rate compares

This is a tiered agreement: the filing discloses a purchase APR anywhere from 12.5% to 19.5%, a spread of 7 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 20th percentile at the bottom and the 41st at the top.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

What the rate means in dollars

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,076.

Priced at the median of 21.99%, that balance would generate about $1,229 in a year — so this agreement comes in around $153 cheaper for the same debt.

Per statement cycle that is on the order of $80.76 on $5,000, which is the number that actually shows up on a bill.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Charges beyond interest

Taking cash against the card means a cash advance fee of $10 or 3% of the advance, whichever is greater. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%.

Transferred balances are priced at 12.5%; no separate transfer fee was captured from the filing.

Foreign transactions attract 1%. On $1,500 of overseas spending that is $15, charged on top of whatever exchange rate applies.

When a payment is late

Late payments are capped at $15 under this filing, about the 11th percentile of late fee maximums in the corpus.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

How it sits in the issuer's own range

There are 4 filings from Dupaco Community Credit Union in this index.

The limits of this document

This page cannot tell you an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

The document itself

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

In short

19.5% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.