| BASICS |
| APR (Interest Rate) | 11.99% - 19.99%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 3.99% until the last day of the billing period ending during April 2010. |
| Annual Fee | $ 0 |
| Grace Period | 25 days |
| FEES |
| Additional Card Fee | $ 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:
For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card.
|
| Travel Rewards | N/A |
| Cash Rebate |
- Earn unlimited cash rewards.
- 5% to 20% Cashback Bonus through their exclusive online shopping site
- Up to 1% Cashback Bonus on all your other purchases, automatically.
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
|
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer | 3.99% for 12 billing periods from the date of account opening, then the standard APR purchases. Balance Transfer Fee: 3.0% 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%.
• The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but such rate will never exceed 29.99%.
• Effective January 1, 2010, up to 16.99% variable and up to 23.99% variable for purchases; up to 28.99% variable for cash advances.
• If you are late making a payment, any introductory/promotional rates will end and we may increase all your APRs to a Default Rate. |
| Other Features | Instant Decision |
| Card Description | • Get a Pay-On-Time Bonus. Each time you make 6 on-time payments in a row, get your next month's interest back.
• 3.99 Intro APR Balance transfers for 12 months for customers with excellent credit. |
