IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of ___ 10/02/2023 ______________ . You can contact us toll free at (888) 261-8328 to inquire if any changes occurred since the effective date.
INTEREST RATESand INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases · __ 14.24 ___% to __ 17.99 ___% depending on your credit history. ThisAPR will vary with the market based on the Prime Rate.
APR for Cash Advances · __ 14.24 ____% to ___ 17.99 ___% depending on your credit history. ThisAPR will vary with the market based on the Prime Rate.
APR for Balance Transfers & Convenience Checks · ___ 14.24 ___% to ___ 17.99 __% depending on your credit history. ThisAPR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies · 17.99% ThisAPR may be applied to your account if you make a payment that is late 60 days or more. How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make three consecutive on-time payments.
Paying Interest · Your due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances or balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge · None
For Credit Card Tips from the Consumer Financial Protection Bureau · Tolearn 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:
Fees to Open or Maintain your Account - Annual Fee: - Application Fee: · None None
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction: · None 3% of the amount of each cash advance 1% of each foreign transaction in U.S. dollars
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment: · Up to $25.00 for the first late payment and up to $30.00 each if 2 or more late payments occur within 6 months. None Up to $25.00 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
