INTEREST RATES AND INTEREST CHARGES. I understand that a portion of my FINANCE CHARGES incurred during a billing cycle will include my INTEREST CHARGES incurred during that billing cycle. The INTEREST CHARGE for a billing cycle will be calculated by applying my Monthly Periodic Rate to my Average Daily Balance. I understand and agree that under the “Change of Terms” section above, you have the right in your sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE RATE, Monthly Periodic Rate and/or INTEREST CHARGE that may apply to my Account. Monthly Periodic INTEREST CHARGE, Monthly Periodic Rate, and ANNUAL PERCENTAGE RATE: The initial Monthly Periodic Rate used in calculating the Monthly Periodic INTEREST CHARGE is a discounted Monthly Periodic Rate with an initial discounted ANNUAL PERCENTAGE RATE, as disclosed on the enclosed “Addendum to Classic VISA Credit Card Agreement & Federal Truth-in-Lending Disclosure Statement” (“Addendum”). The initial discounted Monthly Periodic Rate will remain in effect during my first six (6) monthly billing cycles unless I fail to make a payment when due or I make a payment that is returned (for further information, please refer to the PENALTY ANNUAL PERCENTAGE RATE section below). Thereafter, the Monthly Periodic Rate used in calculating the Monthly Periodic INTEREST CHARGE and the corresponding ANNUAL PERCENTAGE RATE are disclosed on the enclosed Addendum. The Monthly Periodic INTEREST CHARGE is imposed as follows: Cash Advances: Periodic INTEREST CHARGES will be imposed on Cash Advances that I obtain through the use of my Card as of the date of each such Cash Advance and will continue to accrue until the Cash Advance is repaid. Credit Purchases of Goods and Services: If a Grace Period applies, periodic INTEREST CHARGES will be imposed on credit purchases only if they are not paid in full within twenty-five (25) days after the Statement Closing Date (“Grace Period”) each and every billing cycle. To the extent that a credit purchase is not subject to a Grace Period, a periodic INTEREST CHARGE will be calculated on credit purchases that I obtain with my Card as of the date such credit purchase is posted to my Account and will continue to accrue until the date of repayment. Balance Transfers: Periodic INTEREST CHARGES will be imposed on balance transfers only if they are not paid in full within twenty-five (25) days after the Statement Closing Date (“Grace Period”). To the extent that a balance transfer is not subject to a Grace Period, a...
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.24% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to 18% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 18% APR for Cash Advances
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. 0% IntroductoryAPR for the first 6 Statement Closing Dates following the opening of your Account. Afterthat, your APR will be variable 18.75% APR for Balance Transfers This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. 0% Introductory APR for the first 6 Statement Closing Dates followingthe opening of your Account. After that, your APR will be variable 18.75% APR for Cash Advances This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. 18.75% APRforCashAdvances Penalty APRandWhen it Applies This APR willvary withthemarket based on the highest Prime Rate published in “Money Rates” section of the Wall Street Journal. Variable rate of 18.75% This APR may be appliedto your account if you: 1) Make alate payment; 2) Go overyourcreditlimit twice in a six-month period; 3) Makea paymentthatis returned;or 4) Do any of the above on another account that you have withus. How Long Will the Penalty APR Apply? If your APRs are increased forany of thesereasons,thePenalty APR will apply until you make six consecutive minimum payments when due. How to AvoidPaying Intereston Purchases Yourdue 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 theduedateeachmonth. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. 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 of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Annual Fees None Transaction Fees • Cash Advances $10. • Balance Transfer Either $10 or 4% of the amount of each balance transfer, whichever is greater, up to $100. This fee is a finance charge • Foreign Transaction 0% of the transaction amount • ISA Fee 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands Penalty Fees • Late Payment Up to US$39. • Returned Payment Up to US$39. • Over Limit Credit Fee None Other Fees • Rushorderdelivery Domestic (within the USA) $25; International $50. • Document Fee If a copy of anymonthlystatement, sales ...
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases 11.90% APR for Balance Transfers 11.90% APR for Cash Advances 11.90% Paying Interest 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 and balance transfers on the transaction date. For Credit Card tips from the Consumer Financial To learn more about factors to consider when applying for or Protection Bureau using a credit card, visit the website of the Consumer Financial Protection Bureau at http:xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. FEES Transaction Fees – Foreign Transaction Fee 1.00% for each multiple currency transaction in US dollars 0.80% of each single currency transaction in US dollars Penalty Fees Late Payment Fee Up to $20.00 Returned Payment Fee Up to $20.00 How we will calculate your balance. We use a method called “average daily balance (including new purchases).” See your account Agreement for more details. Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases 0% Introductory APR on all purchases for six months.* After that, the Standard APR will range from
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) For Purchases 16% fixed for the life of the account on all purchases. How To Avoid Paying Interest On Purchases You will not be charged interest if you pay your balance by 5:00 p.m. on the due date listed on your billing statement. The due date will be at least 21 days after the date of mailing. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.70. 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 xxxx://xxx.xxxxxxxxxxxxxx.xxx/creditcard. FEES Annual Fee None. Transaction Fees • Balance Transfer • Cash Advance None: Balance Transfers Not Available. None: Cash Advances Not Available. Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment None. None. $20.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See the BALANCE COMPUTATION METHOD section of the TERMS AND CONDITIONS below for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the IMPORTANT DISCLOSURE FOR ALL CREDIT CARD CUSTOMERS below.
INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate (APR) for Purchases 0% Introductory APR on all purchases for six months. * After that, the Standard APR will range from 7.99% to 17.99%, based on your creditworthiness APR for Balance Transfers APR for Cash Advances How to Avoid Paying Interest on Purchases For Credit Card Tips From the Consumer Financial Protection Bureau 0% introductory APR for twelve months.** After that, the Standard APR will range from 7.99% to 17.99%, based on your creditworthiness 0% introductory APR for six months After that, the Standard APR will range from 7.99% to 17.99%, based on your creditworthiness 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. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” *Introductory rate good until the first day of the billing cycle that includes the six month anniversary date of the opening of your account **Offer only applies to balance transfer requests received by us within 30 business days of account opening. Federally insured by NCUA.
