|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||8.99%, 9.90%, 13.80%, 16.99% or 18.99%*|
|APR for Balance Transfers||8.99%, 9.90%, 13.80%, 16.99% or 18.99%*|
|APR for Cash Advances||8.99%, 9.90%, 13.80%, 16.99% or 18.99%*|
|Penalty APR and When it Applies||None|
|How to Avoid Paying Interest on Purchases||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.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $0.|
|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 Bureau at http://www.consumerfinance.gov/learnmore.|
|Balance Transfer||$5 or 3% of the amount of each transfer, whichever is greater.|
|Cash Advance||$5 or 3% of the amount of each cash advance, whichever is greater.|
|Foreign Transaction||Up to 1.50% of each transaction in U.S. Dollars|
|Late Payment||Up to $20|
|Returned Payment||Up to $25|
*APR = Annual Percentage Rate. These are fixed rates. Annual Percentage Rate will be determined by the individual's credit score as reported by a credit reporting agency.
How we Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Credit Card Agreement and Disclosures for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.