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$300 CARD |
$70 CARD |
|
Annual Percentage Rate for
Purchases |
As of June 01, 2007: 19.50% |
As of June 01, 2007: 14.99% |
|
Other APRs |
As of June 01, 2007:
Cash Advance APR: 25.50%
Delinquency APR for Purchases: 25.50%
Delinquency APR for Cash Advances: 31.50%
See explanation below. * |
As of June 01, 2007:
Cash Advance APR: 20.99%
Delinquency APR for Purchases: 20.99%
Delinquency APR for Cash Advances: 26.99%
See explanation below. * |
|
Variable Rate Information |
Your APR may vary.
The APR for Purchases is determined by adding 11.25% to the Prime Rate (defined below), but in no event will be less than 19.50%. The APR for Cash Advances is determined by adding 17.25% to the Prime Rate, but in no event will be less than 25.50%. The Delinquency APR for Purchases is determined by adding 17.25% to the Prime Rate, but in no event will be less than 25.50%. The Delinquency APR for Cash Advances is determined by adding 23.25% to the Prime Rate, but in no event will be less than 31.50%. The Prime Rate used to determine the applicable APR is the highest "Prime Rate" published in the "Money Rates" section of The Wall Street Journal on the 25th day (or if not published on the 25th, then on the date of the next publication following the 25th) of any of the three calendar months immediately preceding the month in which the Billing Cycle begins. |
Your APR may vary.
The APR for Purchases is determined by adding 6.74% to the Prime Rate (defined below), but in no event will be less than 14.99%. The APR for Cash Advances is determined by adding 12.74% to the Prime Rate, but in no event will be less than 20.99%. The Delinquency APR for Purchases is determined by adding 12.74% to the Prime Rate, but in no event will be less than 20.99%. The Delinquency APR for Cash Advances is determined by adding 18.74% to the Prime Rate, but in no event will be less than 26.99%. The Prime Rate used to determine the applicable APR is the highest "Prime Rate" published in the "Money Rates" section of The Wall Street Journal on the 25th day (or if not published on the 25th, then on the date of the next publication following the 25th) of any of the three calendar months immediately preceding the month in which the Billing Cycle begins. |
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Grace Period for Repayment of the Balance for Purchases |
Not less than 25 days from the statement date if the prior month's New Balance was paid in full by the Payment Due Date |
Not less than 25 days from the statement date if the prior month’s New Balance was paid in full by the Payment Due Date |
|
Method of Computing the Balance for Purchases |
Average Daily Balance (including new purchases) |
Average Daily Balance (including new purchases) |
|
Annual and Other Fees for Issuance or Availability |
Annual Fee: $150
Account Maintenance Fee: $72 per year (billed monthly at $6 per month) |
Account Opening Fee: $20 (one‑time fee)
Account Maintenance Fee: $228 per year (billed monthly at $19 per month) |
|
Minimum Finance Charge |
None |
None |
|
Transaction Fee for Purchases |
None |
None |
|
Transaction Fee for Cash Advances |
5% of each advance with a $5 minimum |
5% of each advance with a $5 minimum |
|
Fees for Paying Late or Exceeding Your Credit Limit |
Late Payment Fee: $35
Over-Limit Fee: $35 |
Late Payment Fee:
For balances of $30 to $100: $5
For balances of $101 to $200: $15
For balances of $201 to $300: $25
For balances greater than $300: $35
Overlimit Fee: $25 |
