|
Platinum Rewards |
Classic |
Secured |
Annual Percentage Rates (APRs) for Purchases |
7.99% - 14.49% |
10.50% - 18.00% |
10.50% - 18.00% |
Special Balance Transfer APRs |
5.99% fixed rate until your balance transfer(s) are paid off. Subject to program availability |
N/A |
N/A |
Other APRs |
Cash Advance APR:
8.49% - 16.49%
Default APR: None |
Cash Advance APR:
10.50% - 18.00%
Default APR: None |
Cash Advance APR:
10.50% APR* - 18.00% APR*
Default APR: None |
Variable Rate Information |
Your APRs may vary. The rate will be adjusted quarterly and will be determined by adding a Margin to the Prime Rate. See explanation below*. |
Margin for Purchases |
Margin for Purchases |
Margin for Purchases |
.49% - 8.49%** |
4.50% – 12.00%** |
4.50% – 12.00%** |
Margin for Cash Advances |
Margin for Cash Advances |
Margin for Cash Advances |
2.49% - 10.49%** |
4.50% – 12.00%** |
4.50% – 12.00%** |
Grace Period for Repayment of Balances for Purchases |
25 days |
25 days |
25 days |
Method of Computing the Balance for Purchases |
Average daily balance, including new purchases |
Average daily balance, including new purchases |
Average daily balance, including new purchases |
Annual Fees |
None |
None |
None |
Minimum Finance Charge |
None |
None |
None |
Transaction Fee for Cash Advances: |
None |
None |
None |
Late Payment Fee: |
5% of payment due or $5, whichever is greater |
5% of payment due or $5, whichever is greater |
5% of payment due or $5, whichever is greater |
Over-Limit Fee: |
$26 |
$26 |
$26 |
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*The index used to determine the U.S. Prime Rate is published in The Wall Street Journal (Western Edition) on the third (3 rd) Tuesday of March, June, September, and December of each calendar year. If the third (3 rd) Tuesday is a holiday, we will use the Prime Rate published the next day. If more than one Prime Rate is published we may choose the highest rate. If The Wall Street Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper of general circulation, or we may substitute a similar reference at our sole discretion.
**Margins are based on your credit history and credit qualifications
We may change the above rates, fees, and other cost information at any time in accordance with applicable law, along with the Consumer Loan Agreement and Disclosure and the applicable Credit Account Agreement and Disclosure, that will be sent to you. Please retain a copy of this form for your records.
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