| Card Type | APR*‡ |
|---|
* Annual Percentage Rate(APR). All loans subject to credit approval. Actual rate received is based on credit qualifications.
‡ Variable rate information: The rate will be based on the Prime Rate published in The Wall Street Journal plus 10% for Classic/Student/Teen Cardholders, plus 8% for Gold Cardholders. Rate change will take effect on your next billing cycle date. Visa Disclosure perferred rate.
Rates and Fees are subject to change.
| Paying Interest | We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
|---|---|
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Web site at: http://www.federalreserve.gov/creditcard/default.htm |
| Transaction Fees | |
|---|---|
| Cash Advance | Either $20.00 or 4% of the amount of each cash advance, whichever is greater. |
| Foreign Transactions | 2% of each transaction in U.S. Dollars |
| Penalty Fees | |
|---|---|
| Late Payment | $25.00 |
| Over-the-Credit-Limit | $25.00 |
| Card Replacement | $10.00 |
| Returned Payment | $25.00 |
| How will we calculate your balance? | We use a method called "Average Daily Balance (including new purchases)". See your account agreement for more details. |
|---|---|
| What are my billing rights? | Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. |