| BASICS |
| APR (Interest Rate) | 8.75% - 15.25%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | N/A |
| Annual Fee | $ 0 |
| Grace Period | 25 days |
| FEES |
| Late Fee | $15 for balances less than $100, $29 for balances of $100 to $1000 and $35 for balances greater than $1000 |
| Over-the-limit Fee | $35.00 |
| Currency Conversion Fee | Foreign Transaction Fee: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
A variable APR will apply to balances attributable to purchases, depending on your creditworthiness.
|
| Travel Rewards | N/A |
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer |
The intro APR for balance transfers is
1.99% for
6
months. After the intro period, the rate will be
as low as
8.75% - 15.25%.
* Transaction Fee: 2% of the transfer amount
|
| Cash Advance | The APR for cash advances is 12.75% - 19.25%.
Transaction Fee for cash advances: All cash advances (excluding balance transfers)
5% of the amount of the advance, but not less than $5, no more than $100. |
| Default APR | The APR for default is 22.00%.
Default APR: 22% on all balances. If at the end of a billing period your minimum payment from any preceding billing period remains due and unpaid, the APR will be billed at twenty two percent per annum, and will stay at that rate until the account is brought to a current status. |
| Other Features | N/A |
| Card Description | • No annual membership fee.
• Low, variable rate APR.
• Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
• Online access to credit card account information.
|
