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Some terms, rate and fees:
1) Annual Percentage Rate (APR) for Purchases: A fixed 0% introductory APR for purchases during the first twelve billing cycles.* Then a variable APR of WSJ Prime Rate** + 1.99% (10.24%), Prime + 3.99% (12.24%), Prime + 6.99% (15.24%), Prime + 8.99% (17.24%), or Prime + 12.99% (21.24%) depending on our review of your application and credit history.
2) Other APRs: Introductory Balance Transfer APR: 3.9% for for the life of the balance+;
Cash advance APR: WSJ Prime Rate** + 14.99% (Currently 23.24%) (21.99% minimum; 24.99% maximum)
Delinquency APR: 24.99%. See explanation below.***
3) Variable Rate Information: Your annual percentage rate may vary monthly. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate.**
4) Annual Fee: None
5) Grace Period for Repayment of the Balance for Purchases: A minimum of 20 days from the Billing Date (provided that the previous account balance is paid in full by its Payment Due Date)
6) Method of Computing the Balance for Purchases: Two cycle average daily balance (including new purchases)
7) Minimum Finance Charge: $1.00 (if the total of a Finance Charge being added to your account is less than $1.00 in any billing cycle)
8) Cash Advance Fee: $5.00 or 3.5% of the total dollar amount advanced, whichever is greater
9) Late Payment Fee: $19.00 if your New Balance is less than $250.00, or $39.00 if your New Balance is $250.00 or greater
10) Overlimit Fee: $35.00
11) Balance Transfer Fee: Unless your offer indicates otherwise, the greater of $5.00 or 3.5% of the total dollar amount of the balance transferred, up to a maximum fee of $75.00
12)Transaction Fee for Purchases: None
