Cardholder AgreementCardholder Agreement • November 12th, 2022
Contract Type FiledNovember 12th, 2022INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 15.99% APR. This annual percentage rate is a fixed rate. APR for Cash Advances N/A Cash advances are not available. Penalty APR and When it Applies N/A Penalty APRs do not apply. Paying Interest Your payment due date will be a minimum of 21 days after the close of each billing cycle with a 10-day grace period before interest or fees apply. We will not charge you interest on purchases if you pay your entire balance by the due date. Minimum Interest Charge There is no minimum interest charge For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureauat http://www.consumerfinance.gov/learnmore FEES Annual Membership Fee The Quin card is provided as part of Quin membership which has a $480 annual fee, charged in 12 monthly payments of $40 starting when you a