Common Contracts

31 similar Cardmember Agreement contracts

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% - Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% - Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments

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Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 12.49% to Prime Rate + 21.49%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 12.49% to Prime Rate + 21.49% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% - Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% - Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned paymen

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% - Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% - Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned paymen

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

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Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% - Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% - Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% - Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% - Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% to Prime Rate + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 15.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 12.49% to Prime Rate + 21.49%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 12.49% to Prime Rate + 21.49% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • January 11th, 2016

Interest Rates Annual Percentage Rate (APR) for Purchases Up to the Credit Limit Prime Rate + 9.99% to Prime Rate + 17.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% to Prime Rate + 17.99% for any balance transfer requests we may accept. Balance transfers may not be available.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after yo

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