Common Contracts
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Share Secured Visa Credit Card AgreementMaryland • April 12th, 2011
Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE(APR) for Purchases 10.99% when you open your accounts, based on yourcredit worthiness. APR for Balance Transfers 10.99% APR for Cash Advances 10.99% After that, your APR will vary with the market based on the Prime Rate. How to avoid paying interest on charges Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Federal Reserve Board To learn more about facts to consider when applying foror using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. Fees Annual Fee None Transaction Fees • Balance Transfer• Cash Advance• Foreign Transaction None NoneUp to 1% of the amount of the transaction in US dollars Penalty Fees • Late Payment • Returned Payment Up to $25.00Up to $15.00
