Common Contracts
26 similar Cardmember Agreement contracts
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to your account if you: 1) make a payment that is returned;2) make 2 late payments in 12 billing periods; or3) do not pay the Minimum Payment Due by the Closing Date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long Will the Penalty APR Apply? If the penalty A
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2 As of: 06/30/2021Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2 As of: 04/01/2020Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% - Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to your account if you: 1) make a payment that is returned;2) make 2 late payments in 12 billing periods; or3) do not pay the Minimum Payment Due by the Closing Date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long Will the Penalty APR Apply? If the penalty A
Cardmember Agreement: Part 1 of 2 As of: 06/30/2021Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
Cardmember Agreement: Part 1 of 2 As of: 08/01/2020Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2 As of: 11/01/2020Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2 As of: 04/01/2020Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% - Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2 As of: 09/30/2021Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2 As of: 12/31/2020Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
Cardmember Agreement: Part 1 of 2 As of: 09/30/2021Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due. When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2. How Lon
