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Visa Classic and
Mastercard Standard |
Visa Gold |
| Annual Percentage Rate (APR) for purchases |
15.9% |
11.9% |
| Other APRs |
Cash Advance APR: 18.9%Penalty Rate: 19.9%1 |
Cash Advance APR: 15.9%Penalty Rate: 19.9%1 |
| International Transaction fee2 |
The fee is 1% of the converted currency transaction amount |
The fee is 1% of the converted currency transaction amount |
| Grace Period for repayment of the balances for purchases3 |
25 days |
25 days |
| Method of computing the balances for purchases |
Average Daily Balance(including new transactions) |
Average Daily Balance(including new transactions) |
| Transaction Fee for Cash Advances and Negotiating Convenience Checks |
2% of the amount of the advance but not more than $10 or less than $.50 (fifty cents) |
2% of the amount of the advance but not more than $10 or less than $.50 (fifty cents) |
| Over Limit Fee |
$20 (will only assess once in a cycle, but for each cycle that the account remains over the credit line, the fee will be assessed) |
$20 (will only assess once in a cycle, but for each cycle that the account remains over the credit line, the fee will be assessed) |
| Late Payment Fee |
$17 |
$17 |
| Annual Fee |
$15 (waived if card is used at least twice per year) |
$15 (waived if card is used at least twice per year) |
1 Penalty rate applies if you fail to pay the minimum due to two consecutive months
2 This fee is considered a finance charge
3 Does not apply to International transactional fees
4 Credit Protection pays your card balance (up to $10,000):
• In the event of your death if you choose single coverage
• In the event of either you or your spouse’s death, if you choose joint coverage
Insurance products are not a deposit or other obligation of, or guaranteed by the bank or any affiliate of the bank and are not insured by the Federal Deposit Insurance Corporation or any other agency of the United States, the bank, or any affiliate of the bank. The bank may not condition the extension of credit you are applying for on whether you purchase an insurance product from the bank, an affiliate of the bank, or on your agreement not to obtain, or a prohibition on your obtaining, an insurance product from an entity not affiliated with the bank.
A 1% international transaction fee will be assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the transaction fee on your periodic billing statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements, and included in the Annual Percentage Rate calculation for the applicable statement cycle, regardless if you pay the entire credit purchase balance within the grace period. We include this transaction fee when computing finance charges, thus incurring fees results in the APR exceeding the standard rate on the billing cycle on which fees appear. The Daily Periodic Rate remains at the standard rate that has been disclosed.
This information about the costs of the card described here is accurate as of January 2007.
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