| Card | VISA® | MasterCard |
| Annual Percentage Rate (APR) for Purchases (Variable) | 11.15%** | 8.75%*** |
Cash Advance APR (Variable) |
16.15%** |
13.75%*** |
Balance Transfer APR (Variable) |
16.15%** |
13.75%*** |
Grace Period for re-payment of balances for purchases |
25 Days |
|
Minimum Finance Charge |
$1.00 |
|
Return Payment Fee |
$25.00 |
|
Transaction Fee for Cash Advances |
$5.00 or 3.0% of the amount advanced - whichever is greater. |
|
Late Payment Fee |
$25.00 - If the minimum required payment is not received within five days after the closing date subsequent to the payment due date, a late payment fee of $25.00 will be imposed. |
|
Over-the-Credit-Limit Fee |
$25.00 |
|
*MasterCard’s currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard, and that the government-mandated exchange rate or wholesale exchange rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted to the cardholder’s account. **Rate determined by adding 7.90% to the Prime Rate1. ***Rate determined by adding 5.50% to the Prime Rate1. 1The prime rate used to determine your APR is the rate published in the money rate section of the Wall Street Journal on the 15th of June (or if the 15th is a Saturday, Sunday, or holiday, the next business day). Any change in the rate will go into effect on the first day of your new Billing Cycle beginning after July 1, and may result in an increase or decrease in the Finance Charge imposed on your account. |
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