Common use of How Rates and Fees Work Clause in Contracts

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Due by the Payment Due Date on one or more more days after we send you notice. occasions; or • your payment is returned by your bank. We will review your Account every 6 months after the penalty APR is applied. The penalty We may also consider your creditworthiness in APR will continue to apply until you have made determining whether or not to apply the penalty APR timely payments with no returned payments to your Account. during the 6 months being reviewed.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • ● you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Payment Due by the Payment Due Date on one or more more days after we send you notice. on one or more occasions; or • ● your payment is returned by your bank. We will review your Account every 6 months after We may also consider your creditworthiness in the penalty APR is applied. The penalty We may also consider your creditworthiness in APR determining whether or not to apply the penalty will continue to apply until you have made determining whether or not timely APR to apply the penalty APR timely your Account. payments with no returned payments to your Account. during the 6 months being reviewed.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Due by the Payment Due Date on one or more more days after we send you notice. more occasions; or We will review your Account every 6 months • your payment is returned by your bank. We will review your Account every 6 months after the penalty APR is applied. The penalty We may also consider your creditworthiness in APR will continue to apply until you have made We may also consider your creditworthiness in timely payments with no returned payments determining whether or not to apply the penalty APR timely payments with no returned payments to your Account. during the 6 months being reviewed. to your Account.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • ● you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Payment Due by the Payment Due Date on one or more more days after we send you notice. one or more occasions; or • We will review your Account every 6 months after● your payment is returned by your bank. We will review your Account every 6 months after the penalty APR is applied. The penalty APR We may also consider your creditworthiness in APR will continue to apply until you have made timely determining whether or not to apply the penalty APR timely payments with no returned payments during the 6APR to your Account. during the 6 months being reviewed.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • ● you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Payment Due by the Payment Due Date on one or more more days after we send you notice. on one or more occasions; or • or● your payment is returned by your bank. We will review your Account every 6 months after We may also consider your creditworthiness in the penalty APR is applied. The penalty We may also consider your creditworthiness in APR determining whether or not to apply the penalty will continue to apply until you have made determining whether or not timely APR to apply the penalty APR timely your Account. payments with no returned payments to your Account. during the 6 months being reviewed.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Payment Due by the Payment Due Date on one or more more days after we send you notice. on one or more occasions; or • your payment is returned by your bank. We will review your Account every 6 months after the penalty APR is applied. The penalty APR will We may also consider your creditworthiness in APR will continue to apply until you have made timely determining whether or not to apply the penalty APR timely payments with no returned payments during the APR to your Account. during the 6 months being reviewed.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will • you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Due by the Payment Due Date on one or more more days after we send you notice. or more occasions; or • your payment is returned by your bank. We will review your Account every 6 months • your payment is returned by your after the penalty APR is applied. The penalty We may also consider your creditworthiness in bank. APR will continue to apply until you have made We may also consider your creditworthiness in timely payments with no returned payments determining whether or not to apply the penalty APR timely payments with no returned payments to your Account. during the 6 months being reviewed. APR to your Account.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions if: If the penalty APR applies to a balance, it will itwill • you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Due by the Payment Due Date on one or more more days after we send you notice. or more occasions; or • your payment is returned by your bank. We will review your Account every 6 months • your payment is returned by your after the penalty APR is applied. The penalty We may also consider your creditworthiness in bank. APR will continue to apply until you have made We may also consider your creditworthiness in timely payments with no returned payments determining whether or not to apply the penalty APR timely payments with no returned payments to your Account. during the 6 months being reviewed. APR to your Account.

How Rates and Fees Work. Rates Penalty APR for new transactions The penalty APR may apply to new transactions newtransactions if: If the penalty APR applies to a balance, it will • you do not pay at least the Minimum Payment apply to charges added to that balance 15 or Due by the Payment Due Date on one or more more days after we send you notice. more occasions; or We will review your Account every 6 months • your payment is returned by your bank. We will review your Account every 6 months after the penalty APR is applied. The penalty We may also consider your creditworthiness in Thepenalty APR will continue to apply until you have made We may also consider yourcreditworthiness in timely payments with no returned payments determining whether or not to apply the penalty APR timely payments with no returned payments to your Account. during the 6 months being reviewedbeingreviewed. to your Account.