Frequent Contributor
Hammer23
Posts: 428
Registered: ‎01-21-2012
Re: The offical Barclaycard Ring Thread
[ Edited ]

Terms and Conditions:

 

 

Terms & Conditions

 
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.0% 

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

8.0%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

8.0%

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 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.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

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 Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 


 

Fees

Annual Fee

$0

Transaction Fees:

 

  • Balance Transfer

$0

  • Cash Advance

$1 for each cash advance

  • Foreign Transaction

1% of each transaction in U.S. dollars.

Penalty Fees:

 

  • Late Payment

Up to $25 (the amount of the fee varies by state, see below)

  • Over-the-Credit-Line

$0

  • Returned Payment

Up to $25 (the amount of the fee varies by state, see below)

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)". If you are a resident of Iowa at the time the account is opened, we use a method called "average daily balance (including new purchases)".


WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700