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Annual Percentage Rate (APR) for Purchases
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The current APR is 14.00% variable, as of July 1, 2008 and is subject to change without notice. The daily periodic rate is .038356. The minimum APR that can apply is 14.0%.
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| Annual Percentage Rate (APR) for Cash Advances and Balance Transfers |
The current APR is 15.00% variable, as of July 1, 2008 and is subject to change without notice. The daily periodic rate is .041096. The minimum APR that can apply is 15.0%.
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| Variable Rate Information |
Your Annual Percentage Rate may vary each calendar year and is determined by adding a “margin” of 6% for purchases and a “margin” of 7% for cash advances to the Prime Lending Rate, published under Money Rates in the Wall Street Journal, in effect three business days prior to the first day of each year.
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| Grace Period for Purchases |
To avoid Finance Charge on purchases, pay the full amount of the new balance within 25 days of your statement closing date.
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| Method of Calculating the Balance |
Average Daily Balance (including New Purchases) Method. |
| Annual Membership Fee |
None |
| Minimum Finance Charge |
None |
| Cash Advance and Balance Transfer Fee |
None |
| Over the Credit Limit Fee |
$29.00 ($15.00 if account balance is $500 or less) for each statement cycle in which the balance reflected on your account that month exceeds your credit limit. |
| Late Payment Fee |
$29 ($15.00 if account is $500 or less) if you fail to make at least the Minimum Payment shown on your monthly statement within 25 days of the closing date of that statement. |
| International Transactions |
1% of the U.S. dollar amount of the transaction (rounded to the nearets dollar), whether originally made in U.S. dollars or converted from a foreign currency. |
| Check Stop Payment Fee |
$25.00 for each check or group of checks. |
