Important Disclosures
These are effective January 9, 2025 . Subject to change. Contact us at 800.854.7642 or by mail at 3595 Canton Road, Suite 312-339, Marietta, GA 30066-2658 with any questions.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 0.00% introductory APR for the first six (6) billing cycles. After that, your APR will be 17.49% . This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers · 0.00% introductory APR for the first six (6) billing cycles. After that, your APR will be 17.49% . This APR will vary with the market based on the Prime Rate.
APR for Cash Advances · 0.00% introductory APR for the first six (6) billing cycles. After that, your APR will be 20.99% . This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies · 28.24% . This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1) Make a late payment (2) Make a payment that is returned (3) Do any of the above on any other account held with us How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, we may keep them at this higher level indefinitely or until we receive six (6) consecutive minimum payments by the required due date.
How to Avoid Paying Interest on Purchases · Your payment due date is at least 25 days after the close of each billing period. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge · The minimum charge for interest will be no less than $1.00 or such minimum determined by the state in which you are a resident at the time of application.
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 https://www.consumerfinance.gov/learnmore
Fees
Annual Fee · $249.00 for the first card; $49 for each additional card.
Transaction Fees: · Balance Transfer · Either $10.00 or 4.0% of the amount of each transfer, whichever is greater .
Cash Advance · Either $10.00 or 5.0% of the amount advanced, whichever is greater.
Foreign Transaction · No foreign transaction fee is charged on purchases made outside of the United States. However, there may be circumstances where ATMs or other merchants charge a fee on these transactions.
Penalty Fees: · Late Fee · Up to $35.00
Over the Credit Limit · None
Return Payment Charge · Up to $25.00 per item
How We Will Calculate Your Balance: The method used to calculate your balance is called 'average daily balance (including new purchases).' See Cardholder Agreement for more details.
Variable Rate Information: Your APRs will vary with the market based on the Prime Rate. The Prime Rate is the highest FI prime loan rate as published by the Wall Street Journal in its Money Rates Section on the 14th day (or the next business day if the 14th is not a business day) of the calendar month preceding the first day of the billing period. If the Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase and your minimum payment may be greater.
Balance Transfers: Most balance transfers will post to your account within 21 business days. The time frame is dependent on how quickly the payee processes the transfered amount. Please continue to make payment on that account until you know the transferred amount has posted and the balance has been paid. If the total amount you request exceeds your available balance, we may send full or partial payments to your creditors in the order you provide them to us. Balance transfers do not earn rewards.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement that will be provided to you before you can begin using your new card.
