Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Contract Type FiledJuly 15th, 2018Interest 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