INTEREST RATES AND INTEREST CHARGES. I understand that a portion of my FINANCE CHARGES incurred during a billing cycle will include my INTEREST CHARGES incurred during that billing cycle. The INTEREST CHARGE for a billing cycle will be calculated by applying my Daily Periodic Rate to my Average Daily Balance multiplied by the number of days in the cycle. I understand and agree that under the “Change of Terms” section above, you have the right in your sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE RATE, Daily Periodic Rate and/or INTEREST CHARGE that may apply to my Account. VISA VARIABLE RATE PROGRAM – HOW YOU CALCULATE CHANGES IN MY MONTHLY PERIODIC INTEREST CHARGE, MONTHLY PERIODIC RATE, AND ANNUAL PERCENTAGE RATE: I understand and agree that your Visa program is a variable rate program. What this means is that, with the exception of any applicable Purchase or Balance Transfer introductory ANNUAL PERCENTAGE RATE promotional period, my ANNUAL PERCENTAGE RATE may increase or decrease on a monthly basis while I maintain my Account with you. TRANSACTION FEES: I understand that, in addition to INTEREST CHARGES incurred during a billing cycle, another portion of my FINANCE CHARGES incurred during a billing cycle may include Transaction Fees incurred during that billing cycle. I understand and agree that under the “Change of Terms” section above, you have the right in your sole and absolute discretion to change the amount of any Transaction Fee that may apply to my Account, in accordance with applicable law. My Transaction Fees for a billing cycle include the following fees:
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest publishedin“MoneyRates” section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 15.99% to 18.00% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates” section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between15.99%to18.00% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates” section of the Wall Street Journal. 18% APR for Cash Advances
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases 0% Introductory APR on all purchases for six months.* After that, the Standard APR will range from
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases This APR will vary with the market based on the Prime Rate. APR for Balance Transfers This APR will vary with the market based on the Prime Rate. APR for Cash Advances This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 17.99% This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Transaction Fees • Balance Transfer • Cash Advance • Foreign transaction Either $10 or 3% of the amount of each balance transfer, whichever is greater. Either $10 or 3% of the amount of each cash advance, whichever is greater. 1.0% of each foreign transaction in a currency other than U.S. dollars. 0.8% of each foreign transaction in U.S. dollars. Penalty Fees • Late Payment • Returned Payment Up to $37 Up to $37 Purchases % % % (D) % Balance Transfers % % % (D) % Cash Advances % % % (D) % Penalty APR n/a n/a 0.0492876% 17.99%
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases 11.90% APR for Balance Transfers 11.90% APR for Cash Advances 11.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card tips from the Consumer Financial To learn more about factors to consider when applying for or Protection Bureau using a credit card, visit the website of the Consumer Financial Protection Bureau at http:xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. Transaction Fees – Foreign Transaction Fee 1.00% for each multiple currency transaction in US dollars 0.80% of each single currency transaction in US dollars Penalty Fees • Late Payment Fee Up to $20.00 • Returned Payment Fee Up to $20.00 How we will calculate your balance. We use a method called “average daily balance (including new purchases).” See your account Agreement for more details. Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
INTEREST RATES AND INTEREST CHARGES. I understand that a portion of my FINANCE CHARGES incurred during a billing cycle will include my INTEREST CHARGES incurred during that billing cycle. The INTEREST CHARGE for a billing cycle will be calculated by applying my Monthly Periodic Rate to my Average Daily Balance. I understand and agree that under the “Change of Terms” section above, TRANSACTION FEES: I understand that, in addition to INTEREST CHARGES incurred during a billing cycle another portion of my FINANCE CHARGES incurred during a billing cycle may include Transaction Fees incurred during that billing cycle. I understand and agree that under the “Change of Terms” section above, you have the right in your sole and absolute discretion to change the amount of any Transaction Fee that may apply to my Account. My Transaction Fees for a billing cycle will be the sum of the two (2) components below, each of which is a FINANCE CHARGE.
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. 0% IntroductoryAPR for the first 6 Statement Closing Dates following the opening of your Account. Afterthat, your APR will be variable 18.75% APR for Balance Transfers This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. 0% Introductory APR for the first 6 Statement Closing Dates followingthe opening of your Account. After that, your APR will be variable 18.75% APR for Cash Advances This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. 18.75% APRforCashAdvances Penalty APRandWhen it Applies This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. Variable rate of 18.75% This APR may be appliedto your account if you: 1) Make alate payment; 2) Go overyourcreditlimit twice in a six-month period; 3) Makea paymentthatis returned;or 4) Do any of the above on another account that you have withus. How Long Will the Penalty APR Apply? If your APRs are increased forany of thesereasons,thePenalty APR will apply until you make six consecutive minimum payments when due. How to AvoidPaying Intereston Purchases Yourdue date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by theduedateeachmonth. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Annual Fees None Transaction Fees • Cash Advances $10. • Balance Transfer Either $10 or 4% of the amount of each balance transfer, whichever is greater, up to $100. This fee is a finance charge • Foreign Transaction 0% of the transaction amount • ISA Fee 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands Penalty Fees • Late Payment Up to US$39. • Returned Payment Up to US$39. • Over Limit Credit Fee None Other Fees • Rushorderdelivery Domestic (within the USA) $25; International $50. • Document Fee If a copy of anymonthlystatement, sales draft...
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) For Purchases 16% fixed for the life of the account on all purchases. Annual Fee None.
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases A Non-variable monthly periodic rate will be charged and the ANNUAL PERCENTAGE RATE (corresponding to the monthly periodic rate) may change/be higher, based on your credit qualifications. 4.49% - 18.00%* The minimum ANNUAL PERCENTAGE RATE (APR) is as low as 4.49%, with a monthly periodic rate of .541% and the maximum ANNUAL PERCENTAGE RATE (APR) is 18.00% with a maximum monthly periodic rate of 1.50%. The ANNUAL PERCENTAGE RATE (APR) you pay is based on your credit worthiness. APR for Balance Transfer Advances 4.49%-18.00%* Subject to credit worthiness Penalty APR and When It Applies 18.00%** This APR may be applied to your account if you: 1) Make your payment 60 days late, or 2) A returned payment causes your account to become 60 days late How to Avoid Paying Interest on Purchases Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month and your previous balance is zero or a credit balance. For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Transaction Fees • Balance Transfer • Cash Advance • Foreign Transactions Up to 2% of amount transferred 2% of advance 1% of each foreign transaction amount in U.S. dollars Penalty Fees • Late Payment • Over Limit • Returned Payment Up to $30.00 Up to $20.00 Up to $35.00 Other Fees • Sales Draft • Replacement Card $10.00 $5.00 (first replacement of standard-issue card is FREE) How We Calculate Your Balance: We use a method called “average adjusted daily balance (excluding new purchases).”See Account Agreement and Disclosure for more details. Billing Rights: Information on your rights to dispute transactions is provided in your Account Agreement and Disclosure. *Contract Rates are based on FICO Score. Actual Rate for each particular Card Holder are specified in Credit Card Addendum. Card Holder may request a “Rate Review”, limited to every six months and subject to prevailing rates. **Rates, APRs, and Penalty APRs are current as of 06/01/2017 and are subject to change. ***Should a UCC not be on file for a Card Holder and their respective agency on another account one will need to be filed upon the funding/opening of this Credit Line. At such time the prevailing rate/cost for ...
