HERITAGE CREDIT CARD AGREEMENT
(Personal Accounts)
Effective 6/1/2023
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate.
APR for Balance Transfers · 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate.
APR for Cash Advances · 18.00% Fixed
Penalty APR and When it Applies · 18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due.
Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.
Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00.
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
Transaction Fees • Foreign Transaction • Balance Transfer • Cash Advance · 3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency Either $5 or 5% of the amount of each Balance Transfer, whichever is greater Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Penalty Fees • Late Payment • Returned Payment · Up to $40 Up to $40
How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new Purchases).' See the paragraph of this Agreement titled 'Computing Your Interest Charge' for more details.
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 this Agreement.
SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.
Heritage 2.99 Page 1 of 5 Rev. Date 06/01/23
