Common Contracts
37 similar Cardmember Agreement contracts
Cardmember Agreement: Part 1 of 2Cardmember Agreement • October 20th, 2023
Interest Rates Annual Percentage Rate (APR) for Pay OverTime Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days a
Cardmember Agreement: Part 1 of 2Cardmember Agreement • October 20th, 2023
Interest Rates Annual Percentage Rate (APR) for Pay OverTime Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days a
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate Prime Rate + 10.99% to Prime Rate + 18.99% (APR) for Pay Over Time Feature This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Prime Rate + 25.99% Applies This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Your due date is at least 25 days after t
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate(APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 19.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime + 18.99%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 all balances on your account if you:1) make a payment that isreturned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we will ch
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2 As of: 11/08/2018Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% - Prime + 18.99%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 all balances on your account if you:1) make a payment that isreturned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we will cha
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% - Prime + 18.99%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 all balances on your account if you:1) make a payment that isreturned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we will cha
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days a
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Fees Annual Membership Fee $95 Transaction Fees● Foreign Transaction 2.7% of each transaction after conversion to US dollars. Penalty Fees● Late Payment● Returned Payment $39 or 2.99% of any past due Pay in Full amount, whichever is greater.$39
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%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 all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days
