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Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. We will begin charging interest on balance transfers on the transaction date. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date.
VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit.
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