|
Terms |
Visa Gold |
Visa Platinum |
Visa Platinum with Member Rewards |
|
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers |
3.9% Introductory APR during the first 12 months. Then Variable APR of Prime* plus 4.0%, currently
9.00%. |
3.9% Introductory APR during first 12 months. Then Fixed APR
8.9% |
3.9% Introductory APR during first 12 months. Then Fixed APR
8.9% |
|
Other APRs |
Penalty Rate: If 30 days delinquent in making a payment, APR increases to Prime* plus 7.00%, currently 13.00%. When account is current for 12 consecutive months, the APR will reduce to the current rate for non-delinquent accounts. |
Penalty Rate: If 30 days delinquent in making a payment, APR increases to 11.90%. When account is current for 12 consecutive months, the APR will reduce to the current rate for non-delinquent accounts. |
Penalty Rate: If 30 days delinquent in making a payment, APR increases to 11.90%. When account is current for 12 consecutive months, the APR will reduce to the current rate for non-delinquent accounts |
|
Variable Rate information |
Your APR may vary. The rate is determined monthly by adding 4.0% to the Prime Rate*, or by adding 7.00% to the Prime Rate* if Penalty Rate applies. |
N/A |
N/A |
|
Grace period for repayment of balances for purchases |
You have 25 days to repay your balance for purchases before a finance charge is imposed. |
You have 25 days to repay your balance for purchases before a finance charge is imposed. |
You have 25 days to repay your balance for purchases before a finance charge is imposed. |
|
Grace period for repayment of balances for cash advance and balance transfer transactions |
You have no grace period in which to repay your balance for cash advances and balance transfers before a finance charge will be imposed. |
You have no grace period in which to repay your balance for cash advances and balance transfers before a finance charge will be imposed. |
You have no grace period in which to repay your balance for cash advances and balance transfers before a finance charge will be imposed. |
|
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) |
|
Minimum credit limit |
$1,000 |
$5,000 |
$5,000 |
|
Minimum finance charge |
There is no minimum finance charge. |
There is no minimum finance charge. |
There is no minimum finance charge. |
|
Annual Fee |
0 |
0 |
$19 |
|
Cash Advance Fees |
None |
None |
None |
|
Balance Transfer Fees |
None |
None |
None |
|
Late Payment Fees |
$25 |
$25 |
$25 |
|
Over-The-Credit-Limit-Fees |
$25 |
$25 |
$25 |
|
Returned Check Fees |
$25 |
$25 |
$25 |
