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Terms:
• Intro 0% Fixed APR for up to 12 months*
• Earn 1 point for every $1 spent in card purchases and interest
• No Annual Fee
• Each time you reach 2,500 points, redeem for:
- A $50 payment towards an outstanding mortgage principal balance with Countrywide Home Loans or,
- A $25 check made payable to you or,
- A $25 gift card/gift certificate to National merchants.
• Transfer higher interest rate accounts
• Valuable Platinum Services
Grace period for repayment of purchase balances
At least 20 days
Method of computing the balance for purchases
Two-cycle average daily balance method (including new purchases).
Annual fee
None
Minimum finance charge
$1.00
Transaction fee for balance transfers
3% of the amount of each transaction, but not less than $5.00 nor more than $75.00.
Transaction fees for cash advances
3% of the amount of the transaction, but not less than $10.00.
Late Payment fee
$15.00 on balances up to, but not including, $100.00; $29.00 on balances of $100.00 up to, but not including, $250.00; and $39.00 on balances of $250.00 and over.
Over-the-Credit-Limit fee
$39.00
International Transactions
3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.
