IMPORTANT CREDIT TERMS Crate & Barrel Visa Signature® / CB2 Visa Signature® Credit Card Cardholder Agreement
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 19.74%-33.99% when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
Cash Advance APR · 3 6.00 % This APR will vary with the market based on the Prime Rate
Penalty APR and When It Applies · The penalty APR for all transactions is 3 6.00 % . This APR will vary with the market based on the Prime Rate. This APR will be applied to your account if you: 1) make a late payment; or 2) make a payment that is returned How Long Will the Penalty APR Apply? If your APR(s) increase for any of these reasons, the Penalty APR will be in effect until you make six consecutive minimum payments when due.
How to Avoid Paying Interest · Your due date is at least 21 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 · If you are charged interest, the charge will be no less than $2.00
For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee · $0
Penalty Fees ● Late Payment ● Returned Payment ● Over-the-Credit Limit · Up to $35 Up to $35 None
Transaction Fees • Cash Advance • Foreign Transaction · Greater of $10 or 5% of the amount of each cash advance 3% of each transaction in U.S. dollars
How We Will Calculate Your Balance: We use the daily balance method (including new Purchases). See the Calculating Interest Cardholder Agreement section below for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below in your Cardholder Agreement.
