| Credit cards that offer charge privileges and cash advances throughout
the United States and worldwide.
| |
 |
Minimum payment is 2% of
total balance, or $15.00, whichever is greater. |
|
Convenient access by cash
advance. |
|
Worldwide charge
privileges for purchases and services. |
|
Ideal for payment of college
tuition, purchases by telephone, or catalog orders by
mail. |
|
ATM access through Plus or
any ATMs which display the MasterCard logo. |
|
Availability to line of credit
through ATM access for emergency or when traveling nationally
or internationally. |
|
No fee for additional cards. |
|
|
|
Annual Percentage Rate
(APR) for Purchases |
11.65% - 18.00%,
as of November 19, 2008 |
| Other APRs |
Cash Advance APR: 11.65% - 18.00%*
Balance Transfer APR: 11.65% - 18.00%
Default APR: 18.65% - 25.00%
(7% over current APR) See explanation below****
APR depends on your creditworthiness
|
| Variable Rate Information |
Your APR for purchase transactions may vary. The rate is determined
monthly by adding 7.4% or 10% to the Prime Rate** |
| Minimum Rate |
11.65% - 18%*** |
| 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 |
$18.00 or $36.00 depending on your creditworthiness |
| 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 November 19, 2008 and are subject to change.
For further information please call (614) 552-0511 or 1-800-697-0049. |
