| Credit card that offers charge privileges and cash advances throughout
the United States and worldwide.
| |
 |
Minimum payment
of 2% of the total balance or $50 whichever is greater. |
|
Convenient monthly repayment
terms. |
|
Worldwide charge privileges
for purchases and services. |
|
Flexibility for travel and
access to cash advances. |
| |
|
|
|
|
| Annual Percentage Rate (APR) for Purchases |
8.75%,
as of July 17, 2008 |
| Other APRs |
Cash Advance APR: 8.75%* Balance Transfer APR: 8.75%
Default APR: 15.75% (7% over current APR) See explanation below
**** |
| Variable Rate Information |
Your APR for purchase transactions may vary. The rate is
determined monthly by adding 2.00% to the Prime Rate** |
| Minimum Rate |
APR will never go below 8.75%*** |
| Grace period for Repayment of Balances for Purchases* |
You have 25 days to repay your balance before a finance charge
will be imposed |
| Method for computing the Balances for Purchases |
Average Daily Balance (including new transactions) |
| Annual Membership Fee |
$50.00 |
| Minimum Finance Charge |
$1.00 |
| Transaction Fee for Purchases: |
None |
Transaction Fee for Cash Advances:
|
$2.00 or 2.5% of each advance up to $20 |
Balance Transfer Fee:
|
None |
Late Payment Fee:
|
$29.00 |
Over-the-Credit-Limit Fee:
|
$35.00 |
Card Replacement Fee:
|
$ 5.00 |
Document Fee:
|
$ 3.00 |
Returned Check Fee:
|
$15.00 |
| Collection and Attorney: |
As Permitted by law |
| Foreign Currency Transaction Fee: |
1% of converted amount (Mastercard imposed) |
*FINANCE CHARGES will accrue from the date
that a PURCHASE is posted until payment is posted, unless the
Previous Balance has been paid in full within the 25-day Grace
Period.
FINANCE CHARGES will accrue on CASH ADVANCES from the date a Cash Advance is
posted until payment is posted.
The 25-day Grace Period DOES NOT APPLY to CASH ADVANCES
**The Prime Rate used to determine your APR is the highest prime
interest rate as published in the Wall Street Journal on the
third Tuesday of each month.
***Regardless of future adjustments to US Prime Rate
**** Default rate will become effective if you have been: 30 days past-due
twice in a 12-month period in a payment to us; you have been over your credit
limit two consecutive statement cycles; or you have had two dishonored payments
to us in a 12-month period.
These disclosures are accurate as of July 17, 2008 and are subject to change.
For further information please call (614) 552-0511 or 1-800-697-0049. |
