| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) For Purchases |
8.99% Platinum and Classic Cards |
| APR for Balance Transfers |
8.99% Platinum and Classic Cards |
| APR for Cash Advances |
8.99% Platinum and Classic Cards |
| Penalty APR and When It Applies |
16.99% All APRs Platinum and Classic Cards
This APR may be applied to all the APRs on your account if you:
Default under any Card Agreement you have with us because you fail to make a minimum payment to us when due or have payment(s) returned and become 60 days delinquent.
How Long Will The Penalty APR Apply?: If your APRs are increased for any of the above stated reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| 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 any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances or convenience checks on the transaction date. |
| Minimum Interest Charge |
If you are charged interest, the minimum charge will be $.01. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| How We Will Calculate Your Balance: |
We use a method called "average daily balance (including new purchases)." See your account agreement terms for more details. |
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| Effective Date: |
As of January 1, 2010 this disclosure information was accurate. This information may have changed after that date. You may contact us for current credit card information by calling 1-800-306-4400. |
