| |
CLASSIC |
PLATINUM |
|
Annual Percentage Rate
(APR) for Purchases |
3.9% fixed introductory
rate for the first three months, thereafter,
15.9% APR fixed |
3.9% introductory rate
for first three months, thereafter, Variable
APR applies, currently 11.15% |
|
Annual Percentage Rate
(APR) for Balance Transfers |
3.9% fixed introductory
rate for the first three months, thereafter
15.9% APR fixed |
3.9% introductory rate
for first three months, thereafter, Variable
APR applies, currently 11.15% |
|
Other APRs |
Cash Advance APR: 19.9%,
after twelve month introductory period. Penalty Rate: 19.9%* |
Cash Advance APR: 19.9%,
after twelve month introductory period. Penalty Rate: 19.9%* |
|
Variable Rate Information |
Not
Applicable |
Your Purchase and Balance
Transfer APR may vary. The rate is determined
quarterly by adding 5.9% to the Prime Rate for
purchases, balance transfers.** |
|
Method of Computing the
Balance |
Average Daily Balance
(including new purchases) |
Average Daily Balance
(including new purchases) |
|
Annual Fee |
None |
None |
|
Non-usage Annual Fee |
$25 per year if cardholder
does not make one or more purchase transactions
in the 12 months prior to the assessment of such
fee |
$25 per year if cardholder
does not make one or more purchase transactions
in the 12 months prior to the assessment of such
fee |
|
Grace Period for Repayment
of the Balance of Purchases |
25 days from the billing
date (provided you have paid your previous
balance in full by the due date) |
25 days from the billing
date (provided you have paid your previous
balance in full by the due date) |
|
Minimum Finance Charge |
$0.50 |
$0.50 |
|
Minimum Payment |
1.50% of outstanding
balance; $10 minimum |
1.50% of outstanding
balance; $10 minimum |
Cash Advance Fee
Balance Transfer Fee Late Payment Fee
Returned Check Fee
Research Fee |
3% of the cash advance; $5
minimum
None
$25; assessed on day of next statement. billing
$25
$15 minimum |
3% of the cash advance; $5
minimum None
$25; assessed on day of next statement. billing
$25
$15 minimum |
