Cardmember Agreement: Part 1 of 2 As of: 12/31/2020Cardmember Agreement • November 21st, 2017
Contract Type FiledNovember 21st, 2017Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 20.74%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.99%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 your account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account. How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each
Cardmember Agreement: Part 1 of 2Cardmember Agreement • November 21st, 2017
Contract Type FiledNovember 21st, 2017Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 12.49% to Prime Rate + 21.49%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 26.74%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to your account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account.How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR isapplied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days aft