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Terms:
as of 3/12/07
Annual Percentage Rate (APR) for Purchases 0.00% APR fixed for the first 15 billing cycles after your account is opened.†
After that 11.99% APR, 13.99% APR, or 15.99% APR as of 02/2007 depending on how you meet our credit criteria.†*
Other APRs Balance Transfer APR: 0.00% fixed for the first 15 billing cycles after your account is opened.† After that 11.99% APR, 13.99% APR, or 15.99% APR as of 02/2007 depending on how you meet our credit criteria.†*
Cash Advance APR: 23.85% as of 02/2007.†*
Penalty Rate APR: up to 31.85% as of 02/2007 (see explanation below).†*
Variable Rate Information
The APR for Purchases and Balance Transfers may vary and will be the greater of 11.99% or the Index plus a Margin of 6.50%,* or the greater of 13.99% or the Index plus a Margin of 8.50%,* or the greater of 15.99% or the Index plus a Margin of 10.50% depending on how you meet our credit criteria.* The APR for
Cash Advances may vary and will be the greater of 19.99% or the Index plus a Margin of 18.50%.* The Penalty Rate may vary and will be the Index plus a Margin of up to 26.50%.*
Grace Period for Repayment of Balance for Purchases Not less than 20 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 $1.75 (any billing cycle a finance charge is imposed).
Transaction Fee for Purchases made in Non U.S. Currency 3% of the amount of the transaction (after conversion to U.S. Dollars).
Transaction Fee for Cash Advances and Cash Advance Checks The greater of $15 or 3% of the transaction (the greater of $15 or 5% of the transaction for certain "Cash Equivalent Transactions").
Transaction Fee for Balance Transfers and Balance Transfer Checks The greater of $10 or 3% of the transaction, up to $75.
Over Limit Fee $35
Late Payment Fee $35 if your New Balance is less than $500; or $39 if your New Balance is equal to or greater than $500.
