Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: (1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) (2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access your credit card account do not qualify. (3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Services X.X. Xxx 00000 Xxxx Xxxx Xxxx, XX 00000-0000 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Purchases Annual Percentage Rate (APR) 4.00% + Prime Rate to 9.00% + Prime Rate based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate to 9.00% + Prime Rate based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% + Prime Rate This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: Cash Advance Balance Transfer International Transaction 3% of the amount of each transaction, but not less than $5. 2% of each transfer amount but not less than $5 or more than $50. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency.
Appears in 1 contract
Samples: Consumer Credit Card Agreement
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:,
(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access your credit card account do not qualify.
(3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Services X.X. Xxx 00000 Xxxx Xxxx XxxxP.O. Box 25787 Salt Lake City, XX 00000UT 84125-0000 0787 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Purchases Revised 09/01/2019 A division of Zions Bancorporation, N.A. Member FDIC M-126718 This Addendum applies to the following Zions Bancorporation, N.A. dba Vectra Bank credit cards: AmaZing Rewards® Signature, AmaZing Rewards®, AmaZing Cash® Signature, AmaZing Cash®, AmaZing Rate®, AmaZing Launch® (this product is no longer offered), and AmaZing Launch® Secured Credit Cards. Annual Percentage Rate (APR) 4.00% + for Purchases Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% + Prime Rate + 16.99% to Prime Rate + 18.99% based on your creditworthiness This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: ▪ Cash Advance ▪ Balance Transfer ▪ International Transaction 3% of the amount of each transaction, but not less than $510. 23% of the amount of each transfer amount transaction, but not less than $5 or more than $5010. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency.. Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $25 Up to $25
Appears in 1 contract
Samples: Consumer Credit Card Agreement
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:
(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access your credit card account do not qualify.
(3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Services X.X. Xxx 00000 Xxxx Xxxx XxxxP.O. Box 25787 Salt Lake City, XX 00000UT 84125-0000 0787 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Revised 09/01/2019 A division of Zions Bancorporation, N.A. Member FDIC M-126718 This Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards: AmaZing Cash® or AmaZing Cash® Visa Signature, AmaZing Rewards® or AmaZing Rewards® Visa Signature, AmaZing Rate®, AmaZing Launch® Credit Card (this product is no longer offered), AmaZing Launch® Secured Credit Card. Purchases Annual Percentage Rate (APR) 4.00% + Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances Prime Rate + 16.99% to Prime Rate + 18.99% These APRs will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Transaction Fees: ▪ Cash Advance ▪ Balance Transfer ▪ International Transaction 3% of the amount of each transaction, but not less than $10. 3% of the amount of each transaction, but not less than $10. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency. Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $25 Up to $25 Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99% for Premier and Elite Cards Prime Rate + 10.99% to Prime Rate + 20.99% for Reserve Cards These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers For the following intro APR to apply, balance transfer request(s) must be received within 60 days of your Card Account opening date: 0.00% intro APR for 6 months on balance(s) transferred within 60 days from a non- Zions Bancorporation, N.A. account. After that, your balance transfer APR will be: Prime Rate + 10.99% to Prime Rate + 20.99%, depending on the APR applicable to your Account. These APRs will vary with the market based on the Prime Rate. • 7.00% Fixed on balances transferred from your existing Zions Bancorporation, N.A. Credit Card Account to a new Premium product. APR for Cash Advances Prime Rate + 19.99% to Prime Rate + 20.99% This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1 Annual Account Fee • Premier: $95 (waived first year) • Elite: $195 • Reserve: $450; $50 per year for each additional person on account Transaction Fees: ▪ Balance Transfer ▪ Cash Advance ▪ International Transaction 3% of the amount of each transaction, but not less than $5. 5% of the amount of each transaction, but not less than $10. None Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $35 Up to $35 Priority Pass Select Fees: (for Reserve cards only) ▪ Membership Fee ▪ Lounge Access Fee $0 $27 per person per visit after your five (5) complimentary visits per 12-month Priority Pass Select Membership period. Wealth Management Premier, Elite, and Reserve. Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99% for Premier and Elite Cards Prime Rate + 9.99% for Reserve Cards These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers For the following intro APR to apply, balance transfer request(s) must be received within 60 days of your Card Account opening date: 0.00% intro APR for 6 months on balance(s) transferred within 60 days from a non- Zions Bancorporation, N.A. account. After that, your balance transfer APR will be: Prime Rate + 9.99% to Prime Rate + 18.99%, depending on the APR applicable to your Account. These APRs will vary with the market based on the Prime Rate. • 7.00% Fixed on balances transferred from your existing Zions Bancorporation, N.A. Credit Card Account to a new Premium product. APR for Cash Advances Prime Rate + 19.99% This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1 Annual Account Fee • Premier: $95 (waived first year) • Elite: $195 (waived first year) • Reserve: $450; $50 per year for each additional person on account Transaction Fees: ▪ Balance Transfer ▪ Cash Advance ▪ International Transaction 3% of the amount of each transaction, but not less than $5 5% of the amount of each transaction, but not less than $10 None Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $35 Up to $35 Priority Pass Select Fees: (for Reserve cards only) ▪ Membership Fee ▪ Lounge Access Fee $0 $27 per person per visit after your five (5) complimentary visits per 12-month Priority Pass Select Membership period. Visa Signature and Visa Reserve Credit Cards. These products are no longer offered. Annual Percentage Rate (APR) for Purchases Prime Rate + 4.00% for Visa Signature Prime Rate + 5.00% for Visa Reserve These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers For the following intro APR to apply, balance transfer request(s) must be received within 45 days of your Card Account opening date: Prime Rate + 0.74% intro APR for 12 months on balance(s) transferred from a non- National Bank of Arizona account. After the 45-day and intro period, your balance transfer APR will be: Prime Rate + 15.99% + Prime Rate + 3.75% on balances transferred from your existing National Bank of Arizona Credit Card Account. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances Prime Rate + 15.99% This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: ▪ Cash Advance ▪ Balance Transfer ▪ International Transaction 3% of the amount of each the transaction, but not less than $5. 3% of the transfer amount but not less than $5 (no maximum) for transfer(s) posted to your account within 45 days of your account opening date. Thereafter, transfers posted to your account will be subject to a fee of 2% of each the transfer amount but not less than $5 or more than $50. 32% of the U.S dollar amount of each the transaction, whether originally made in U.S. dollars or converted from a foreign currency.. Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $25 Up to $25
Appears in 1 contract
Samples: Consumer Credit Card Agreement
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. i. If you are dissatisfied with the goods or services that you have purchased with your Card credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
ii. To use this right, all of the following must be true:
(1) . The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
(2) . You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access accesses your credit card account do not qualify.
(3) . You must not yet have fully paid for the purchase.
iii. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Digital Federal Credit Union Attn: Card Services X.X. Xxx 00000 Xxxx Xxxx Xxxx000 Xxxxxx Xxxxx Blvd., XX 00000PO Box 9130 Marlborough, MA 01752-0000 9130
iv. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Purchases Interest Rates and Interest Charges Annual Percentage Rate (APR) 4.00for Purchases, Balance Transfers, and Cash Advances DCU Visa: 12.25% + Prime Rate to 9.0018.00% + Prime Rate when you open your account, based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate to 9.00% + Prime Rate based on the card type and After that, your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% + Prime Rate This APR will vary with the market based on Prime Rate*. DCU Rewards Visa: 15.00% to 18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on Prime Rate*. DCU Secured Visa: 15.25% when you open your account. After that, your APR will vary with the market based on Prime Rate*. * The Prime Rate used to determine your APR is the Prime RateRate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle. Penalty APR and When It Applies 18.00% This APR may apply to your account if you: • are over 60 days past due; or • make a payment that is returned and causes your account to be over 60 days past due. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty.APR will apply until you have made six consecutive payments (minimum or higher) when due. How to Avoid Paying Interest on Purchases Your due date is at least approximately 25 days after the close of each billing cycle. We will not charge you any interest on new purchases and balance transfers if you pay your entire balance due by the due date each month. We For Cash Advances and Balance Transfers, however, you will begin charging be charged interest on cash advances beginning on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: Cash Advance Balance Transfer International Transaction 3% of the amount of each transaction, but not less than $5. 2% of each transfer amount but not less than $5 or more than $50. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:
(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access your credit card account do not qualify.
(3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Services X.X. Xxx 00000 Xxxx Xxxx XxxxP.O. Box 25787 Salt Lake City, XX 00000UT 84125-0000 0787 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Purchases Revised 02/01/2021 A division of Zions Bancorporation, N.A. Member FDIC M-126718 This Addendum applies to the following Zions Bancorporation, N.A. dba Vectra Bank credit cards: AmaZing Rewards® Signature, AmaZing Rewards®, AmaZing Cash® Signature, AmaZing Cash®, AmaZing Rate®, AmaZing Launch® (this product is no longer offered), and AmaZing Launch® Secured Credit Cards. Annual Percentage Rate (APR) 4.00% + for Purchases Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% + Prime Rate + 16.99% to Prime Rate + 18.99% based on your creditworthiness This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: ▪ Cash Advance ▪ Balance Transfer ▪ International Transaction 3% of the amount of each transaction, but not less than $510. 23% of the amount of each transfer amount transaction, but not less than $5 or more than $5010. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency.. Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $25 Up to $25
Appears in 1 contract
Samples: Consumer Credit Card Agreement
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. i. If you are dissatisfied with the goods or services that you have purchased with your Card credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
ii. To use this right, all of the following must be true:
(1) . The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
(2) . You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access accesses your credit card account do not qualify.
(3) . You must not yet have fully paid for the purchase.
iii. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Digital Federal Credit Union Attn: Card Services X.X. Xxx 00000 Xxxx Xxxx Xxxx000 Xxxxxx Xxxxx Blvd., XX 00000PO Box 9130 Marlborough, MA 01752-0000 9130
iv. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Purchases Interest Rates and Interest Charges Annual Percentage Rate (APR) 4.00for Purchases, Balance Transfers, and Cash Advances DCU Visa: 11.50% + Prime Rate to 9.0018.00% + Prime Rate when you open your account, based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate to 9.00% + Prime Rate based on the card type and After that, your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 15.99% + Prime Rate This APR will vary with the market based on Prime Rate*. DCU Rewards Visa: 14.25% to 18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on Prime Rate*. DCU Secured Visa: 14.50% when you open your account. After that, your APR will vary with the market based on Prime Rate*. * The Prime Rate used to determine your APR is the Prime RateRate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle. Penalty APR and When It Applies 18.00% This APR may apply to your account if you: • are over 60 days past due; or • make a payment that is returned and causes your account to be over 60 days past due. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty.APR will apply until you have made six consecutive payments (minimum or higher) when due. How to Avoid Paying Interest on Purchases Your due date is at least approximately 25 days after the close of each billing cycle. We will not charge you any interest on new purchases and balance transfers if you pay your entire balance due by the due date each month. We For Cash Advances and Balance Transfers, however, you will begin charging be charged interest on cash advances beginning on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: Cash Advance Balance Transfer International Transaction 3% of the amount of each transaction, but not less than $5. 2% of each transfer amount but not less than $5 or more than $50. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:,
(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access your credit card account do not qualify.
(3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: California Bank & Trust Bankcard Services X.X. Xxx 00000 Xxxx Xxxx XxxxP.O. Box 25787 Salt Lake City, XX 00000UT 84125-0000 0787 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. M-116506 Revised 09/01/2019 A division of Zions Bancorporation, N.A. Member FDIC M-126718 This Addendum applies to the following Zions Bancorporation, N.A. dba Nevada State Bank credit cards: AmaZing Rewards® Signature, AmaZing Rewards®, AmaZing Cash® Signature, AmaZing Cash®, AmaZing Rate®, and AmaZing Launch® (this product is no longer offered), and AmaZing Launch® Secured Credit Cards. Purchases Annual Percentage Rate (APR) 4.00% + Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers 4.00% + Prime Rate + 5.99% to 9.00% + Prime Rate + 15.99% based on the card type and your creditworthiness. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances Prime Rate + 15.99% + Prime Rate This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. Annual Account Fee Visa Signature card: $75 Visa Platinum and Visa Classic cards: None Transaction Fees: ▪ Cash Advance ▪ Balance Transfer ▪ International Transaction 3% of the amount of each transaction, but not less than $510. 23% of the amount of each transfer amount transaction, but not less than $5 or more than $505. 3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars or converted from a foreign currency. Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $25 Up to $25 Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99% for Premier and Elite Cards Prime Rate + 10.99% to Prime Rate + 20.99% for Reserve Cards These APRs will vary with the market based on the Prime Rate. APR for Balance Transfers For the following intro APR to apply, balance transfer request(s) must be received within 60 days of your Card Account opening date: 0.00% intro APR for 6 months on balance(s) transferred within 60 days from a non- Zions Bancorporation, N.A. account. After that, your balance transfer APR will be: Prime Rate + 10.99% to Prime Rate + 20.99%, depending on the APR applicable to your Account. These APRs will vary with the market based on the Prime Rate. • 7.00% Fixed on balances transferred from your existing Zions Bancorporation, N.A. Credit Card Account to a new Premium product. APR for Cash Advances Prime Rate + 19.99% to Prime Rate + 20.99% This APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1 Annual Account Fee • Premier: $95 (waived first year) • Elite: $195 (waived first year) • Reserve: $450; $50 per year for each additional person on account Transaction Fees: ▪ Balance Transfer ▪ Cash Advance ▪ International Transaction 3% of the amount of each transaction, but not less than $5. 5% of the amount of each transaction, but not less than $10. None Penalty Fees: ▪ Late Payment ▪ Returned Payment Up to $35 Up to $35 Priority Pass Select Fees: (for Reserve cards only) ▪ Membership Fee ▪ Lounge Access Fee $0 $27 per person per visit after your five (5) complimentary visits per 12-month Priority Pass Select Membership period. Annual Percentage Rate (APR) for Purchases Prime Rate + 3.75% to Prime Rate + 9.00% based on the card type and your creditworthiness. The APR will vary with the market based on the Prime Rate. APR for Balance Transfers Prime Rate + 3.75% to Prime Rate + 9.00% The APR will vary with the market based on the Prime Rate. APR for Cash Advances Prime Rate + 15.99% The APR will vary with the market based on the Prime Rate. 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 and balance transfers if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1. 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 Consumer Financial Protection Bureau website at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore.
Appears in 1 contract
Samples: Consumer Credit Card Agreement
