Rates for Personal Visa® Credit Cards
| Cards |
Fixed Rate Platinum Card |
Rewards Platinum Card (Fixed) |
| Introductory Annual Percentage Rate (APR) for Purchases |
4.99% APR on purchases only for the first 3 billing cycles after your account is opened. |
4.99% APR on purchases only for the first 3 billing cycles after your account is opened. |
| Fixed Annual Percentage Rate (APR) for Balance Transfers and Purchases after the Introductory Period. |
After introductory period 8.99% APR, 10.99% APR, 12.99% APR, 14.99% APR, or 16.99% APR depending on how you meet our credit criteria. |
After introductory period 9.99% APR, 11.99% APR, 13.99% APR, 15.99% APR, or 17.99% APR depending on how you meet our credit criteria. |
| Cash Advance APR (Fixed) |
19.99% |
| Penalty APR* |
19.99% |
| Grace Period for Re-Payment of Balances for Purchases |
25 days from the date of the billing statement on new purchases (provided you have paid your previous balance in full by the due date). |
| Method of Computing the Balance for Purchases |
Average Daily Balance (including new purchases). |
| Annual Fee |
None |
| Minimum Finance Charge |
None |
| Transaction Fee for Cash Advances |
Charge for cash advances in excess of $40.00 obtained through ATM's is 3% of the advance. Charge for cash advances obtained through any other source is 3% of the advance, $10.00 minimum, $50.00 maximum. |
| Balance Transfer Fee |
None |
|
| U.S. Currency Conversion Fee |
1.0% of the amount of multi-currency transactions; 0.8% of the amount of single-currency transactions. |
| Late Payment Fee |
If we do not receive at least your minimum required payment within 10 days after the due date indicated on your billing statement, we will impose a late or delinquency charge of $25.00 |
| Over-the-Credit-Limit Fee |
$25.00 - This fee is applied when a balance is $1.00 or more over the limit. |
*If at any time during a 12 month period the account is more than 30 days past due, the penalty APR will apply.
These rates are effective and fees are effective as of April 20, 2009. Additional account details will be provided when you apply to become a cardholder.
