BILT Consumer Credit Card Agreement
There are two parts to this Credit Card Agreement (the 'Agreement') : Rates and Fees Table and Consumer Card Agreement . The Rates and Fees Table shows the rates and fees for your credit card. The Agreement contains important information related to your credit card issued by Evolve Bank & Trust. Bank has agreed to lend you money as described in this Agreement, and you agree to pay us back together with interest charges and fees. Your use or activation of the Card and any transaction using the Card or Account indicates your acceptance of the terms of this Agreement. If any fee in the Rates and Fee Table i s marked 'none,' the section of this Agreement that relates to that fee does not apply.
Rate and Fees Table
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 14.99% - 27.99%.
APR for Cash Advances · 25.0% - 27.99% .
Paying Interest · Your due date is at least 21 days after the close of each billing cycle.We will not charge interest on new purchases, provided you have paid your previous balance in full by the due date each month. Wewill begin charging interest on cash advances on the transaction
Minimum Interest Charge · None.
For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
Fees
Annual Fee · $0
Transaction Fees • Cash Advance Fee • Foreign Transaction Fee · The greater of either $10 or 5% of the amount of each transaction. None.
Penalty Fees • Late Payment • Return Payment • Over-the-credit-limit · Up to $37 . Up to $37 . $0
Note: Your credit card is not eligible for balance transfers.
How We Will Calculate Balances: We use a method called 'average daily balance' (including new transactions). See How Do You Calculate the Interest Charge? below for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full details.
Can You Change My Account Terms? We can change the terms of your credit card account as permitted by law. When required by law, we will send you notice before doing so.
What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is 0.0411% 0.0767% and Cash Advance APR is 0.0685% -0.0767%.
How Can I Avoid Paying Interest Charges? If you pay your statement's 'New Balance' in full by the due date, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your Account in full without interest charges, but fail to pay your next 'New Balance' in full, we will charge interest on the unpaid balance. For cash advances, w e will start charging interest on the transaction date.
