| BASICS |
| APR (Interest Rate) | 11.99% - 19.99%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 0.0% until the last day of the billing period ending during June 2010. |
| Annual Fee | $ 0 |
| Credit Line | $ 50,000 |
| Minimum Income | 15000 |
| Grace Period | 25 days |
| FEES |
| Account Setup Fee | $ 0 |
| Other (one-time) Fees | $ 0 |
| Other Fees Annualized | $ 0 |
| Late Fee | $19 on balances up to $250 and $39 on balances over $250. |
| Over-the-limit Fee | $15 on balances up to $500, and $39 on balances over $500. ; effective February 1, 2010, we will not charge an overlimit fee. |
| Currency Conversion Fee | Foreign Currency Transaction Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history.
|
| Travel Rewards | N/A |
| Cash Rebate |
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more.
- 5% to 20% Cashback Bonus through ShopDiscover, our exclusive online shopping mall.
- Up to 1% unlimited Cashback Bonus on all your other purchases, automatically.
|
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
0.00% for
12
months. After the intro period, the rate will be
as low as
11.99% - 19.99%.
* • 0.0% for 12 months from the date of account opening for balance transfers made with your application.
• BALANCE TRANSFER TRANSACTION FEES: 5.0% for each balance transfer made with this application, thereafter, other offers may have a fee of up to 5%, with a $10 minimum and no maximum. |
| Cash Advance | The APR for cash advances is 23.99%.
CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum; effective January 1, 2010, 5% for each cash advance, with a minimum of $10 and no maximum. |
| Default APR | The APR for default is 29.99%.
• Up to 29.99% variable; effective January 1, 2010 between up to 16.99% variable and up to 24.99% variable for purchases; up to 28.99% variable for cash advances.
• If you are late making a payment or your account is overlimit twice, we may increase your APRs to a Default Rate. |
| Other Features | Instant Decision |
| Card Description | • 5% Cashback BonusŪ in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
• Up to 1% unlimited Cashback BonusŪ on all other purchases
• 5% to 20% Cashback BonusŪ through our exclusive online shopping site
|
