APR = Annual Percentage Rate. The 5.99% rate on purchases is a promotional rate. It is good only on purchases made November 24th, 2015 through November 30th, 2015 by new or exsisting cardholders. The promotional rate of 5.99% is applied for 6 months from the date of each purchase unless the account becomes delinquent and/or over the limit. After the 6-month period, the rate will then be changed to the standard variable VISA card rate. CSE Federal Credit Union maintains the right not to open any CSE Visa Card account if: a) the information provided is incomplete, inaccurate or cannot be verified, b) if the member does not meet CSE FCU’s standards for creditworthiness, or c) member’s name and/or mailing address have been altered. This offer is a limited time offer and can be change or discontinued without notice.