COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Ind...
COST OF CREDIT. The dollar amount you pay for money borrowed is called a FINANCE CHARGE (inter- est). The FINANCE CHARGE is calculated at a daily periodic rate of .049%. This is an ANNUAL PERCENTAGE RATE of 18.00%. To figure the Finance Charge on your Overdraft Line of Credit, we compute a daily Finance Charge by applying the daily periodic rate to the amount you owe at the end of the day (including new advances and deducting payments and credits made during that day). We do not include unpaid finance charges in the calculation of your daily balance. Then, we add up all the daily finance charges for each day of the billing cycle. This gives us the finance charges for that billing cycle. There is no “free period” or “grace period.” You can reduce the finance charge by making your payments as promptly as possible.
COST OF CREDIT. You will pay an INTEREST CHARGE for all advances made against your account. Cash advances and balance transfers will incur an INTEREST CHARGE from the date they are posted to your account. New purchases will not incur an INTEREST CHARGE on the date they are posted to your account and will have a 25-day grace period if you have paid the account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Late fees, Return Check Service Charges, and third-party ATM surcharges will be added to the balance of your account and treated as new purchases. Except for cash advances and balance transfers, no additional INTEREST CHARGE will be incurred whenever you pay the account in full prior to the Payment Due Date.
COST OF CREDIT. For MasterCard Platinum and VISA Platinum, you will pay a FINANCE CHARGE for all advances made against your Account at the periodic rate of .018904 - .046301% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 6.9% – 16.9%. For Share Secured MasterCard Platinum and VISA Platinum, you will pay a FINANCE CHARGE for all advances made against your Account at the periodic rate of .046301% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 16.9%. Cash advances (including balance transfers) incur a FINANCE CHARGE from the date they are posted to the Account. If you have paid your Account in full by the due date shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay your Account balance before a FINANCE CHARGE on new purchases will be imposed. Otherwise, there is no grace period and new purchases will incur a FINANCE CHARGE from the date they are posted to the Account. The FINANCE CHARGE is figured by applying the periodic rate to the “balance subject to FINANCE CHARGE” which is the “average daily balance” of your Account, including certain current transactions. The “average daily balance” is arrived at by taking the beginning balance of your Account each day and adding any new cash advances, and unless you pay your Account in full by the due date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “average daily balance.” The FINANCE CHARGE is determined by multiplying the “average daily balance” by the number of days in the billing cycle and applying the periodic rate to the product. The official periodic statement we send to the Key Account Holder for the MasterCard Family Account will reflect a separate and a combined minimum payment for the Key Account and all linked Parent Pay Dependent Accounts. The Key Account Holder may remit separate payments for the Key Account and each Parent Pay Dependent Account or combine payment for the Accounts. If a payment sent to our physical payment address is combined, then the combined payment will be allocated among the linked Key Account and Parent Pay Dependent Accounts as follows, unless you tell us otherwise in a manner approved by us when you send the payment;...
COST OF CREDIT. For MasterCard®, Gold MasterCard and Platinum MasterCard, you will pay a FINANCE CHARGE for charges or balance transfers made against your account at the periodic rate of .037671% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 13.75%, or at the periodic rate of .043151% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 15.75%, or at the periodic rate of .04863% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 17.75%. Cash advances incur a FINANCE CHARGE from the date they are posted to the account at the periodic rate of .04863% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 17.75%. If you have paid your account in full by the due date shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay your account balance before a FINANCE CHARGE on new purchases will be imposed. Otherwise, there is no grace period and new purchases will incur a FINANCE CHARGE from the date they are posted to the account. The FINANCE CHARGE is figured by applying the periodic rate to the “balance subject to FINANCE CHARGE” which is the “average daily balance” of your account, including certain current transactions. The “average daily balance” is arrived at by taking the beginning balance of your account each day and adding any new cash advances, and unless you pay your account in full by the due date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “average daily balance.” The FINANCE CHARGE is determined by multiplying the “average daily balance” by the number of days in the billing cycle and applying the periodic rate to the product.
COST OF CREDIT. You will pay a Finance Charge for all advances made against your card at the periodic rate of .038082% per day, which has a corresponding Annual Percentage Rate of 13.90%. If your Visa® is share-secured, you will pay a Finance Charge for all advances made against your card at the periodic rate of .038082% per day, which has a corresponding Annual Percentage Rate of 13.90%. Cash advances incur a Finance Charge from the date they are posted to the account. New purchases will not incur a Finance Charge on the date they are posted to the account if you have paid the account in full by the due date shown on your previous monthly statement or if there was no previous balance. No additional Finance Charge will be incurred whenever you pay the account in full by the due date. The Finance Charge is figured by applying the periodic rate to the “balance subject to Finance Charge” which is the “average daily balance” of your account, including certain current transactions. The “average daily balance” is arrived at by taking the beginning balance of your account each day and adding any new cash advances, and, unless you pay your account in full by the due date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid Finance Charges. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “average daily balance.” The Finance Charge is determined by multiplying the “average daily balance” by the number of days in the billing cycle and applying the periodic rate to the product. You may pay any amounts outstanding at any time without penalty for early payment.
COST OF CREDIT. Cost of credit is determined as follows:
COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your account. FINANCE CHARGES for cash advances begin to accrue on the date of the advance. New purchases and balance transfers will not incur a FINANCE CHARGE on the date they are posted to the account if you have paid your account in full by the Payment Due Date shown on your previous monthly statement, or if there was no previous balance. You will have at least 25 days to repay your account balance before a FINANCE CHARGE on new purchases will be imposed. Otherwise, new purchase transactions will incur a FINANCE CHARGE from the date they are posted to the account. The daily periodic rate for cash advances is 0.043562%, which has a corresponding ANNUAL PERCENTAGE RATE of 15.9%. For purchases, until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account, you will pay a FINANCE CHARGE made at the Introductory Rate daily periodic rate of 0.013425%, which has a corresponding ANNUAL PERCENTAGE RATE of 4.9%. Thereafter, or if your account is in default at any time during the Introductory Rate period, the applicable daily periodic rate used to compute the FINANCE CHARGE for purchases will range between 0.013425% and 0.049041%, which has a corresponding ANNUAL PERCENTAGE RATE ranging from 4.9% to 17.9%. Your precise rate is based on your credit standing and will be provided to you in writing after you are approved. In addition, after your account has been opened, we may review your credit standing from time to time in the future and adjust your purchases daily periodic rate and ANNUAL PERCENTAGE RATE within the range stated above. If we increase your rate based on changes in your credit standing, we will notify you in advance as required by applicable law. The purchases rate is also based on an index (the "Index"), which is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly. Any change in the Index will be effective on the first day of the billing cycle following the date of the change. An increase in the Index will result in an increase in the daily periodic rate, which in turn, may result in higher payments. The daily periodic rate will never be greater than 0.049041%, which corresponds to an ANNUAL PERCENTAGE RATE of 17.9%. We will not notify you in advance of any changes to your purchases rate based on changes in the Index, but your per...
COST OF CREDIT. 6.1 The Account Holder shall pay the costs of the credit as stated these terms and conditions. The costs that can be charged for the credit are statement fee/administration fee and interest. The statement fee is charged on each statement. Swedbank Pay is entitled to increase the fees where this is the result of increases in the costs which the fees are intended to cover. The Account Holder shall be notified of such changes to fees no later than one month in advance. Interest is calculated on the unpaid credit amount at any given time and is charged monthly in arrears. Swedbank Pay is entitled to adjust the interest rate for the credit provided to the extent that this is the result of credit policy decisions, increased borrowing costs or other cost increases which Swedbank Pay could not reasonably have foreseen. The Account Holder shall be notified of any interest rate adjustments before these come into effect. Swedbank Pay shall be obliged to apply these conditions even where they are to the benefit of the Account Holder.
COST OF CREDIT. During the agreement you pay only the difference between the full loan and the deferred amount plus an interest charge. Your agreement terms If your anticipated mileage changes significantly during the agreement you will have the option to either increase or reduce it. Any such change will be at the sole discretion of the Finance House, and we reserve the right to charge an administration fee for this service. Please note your monthly payment will be affected by any such change. Please contact Alpha Contracts Customer Services on the number above to obtain a quotation should you wish to do this.
