The ANNUAL PERCENTAGE RATE (APR*) is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. The margin for the GCU VISA® Platinum cards are based on certain creditworthiness and qualification criteria. The Introductory Rates of 0% APR for purchases and balance transfers applies to new GCU VISA® Platinum and GCU VISA® Platinum rewards credit cards. After 6 months/183 days from the date of your first qualifying transaction, the rate will adjust to the standard purchase and balance transfer rate, currently 11.74% APR to 22.00% APR, and are subject to change. First qualified transaction must be completed within the 183 days from the open date to qualify. We may end your introductory rates and apply the standard APR based on the terms of your original agreement. A balance transfer fee of 3% will be assessed for all balance transfers completed within introductory rate period. This fee will be applied to credit card balance at time of transfer. Limitations may apply. Balance transfer fees after introductory 6-month period will be $0. GCU VISA® Platinum Secured not eligible for promotion. Visa cards issued by Guardian Credit Union pursuant to the terms and conditions required by Visa® U.S.A. Inc.