Rates
Credit Card
Platinum VISA® Terms & Conditions effective as of May 10, 2015
| Interest Rates and Interest Charges | VISA® Platinum with Credit Score of 680+ |
VISA® Platinum with Credit Score of 679-640 |
VISA® Platinum with Credit Score of 639 and below |
| Annual Percentage Rate (APR) for Purchases |
8.75%
Fixed |
10.99% Fixed |
12.99% Fixed |
| APR for Balance Transfers | 11.75% Fixed |
13.99% Fixed |
15.99% Fixed |
|
APR for Cash Advances
|
11.75% Fixed |
13.99% Fixed |
15.99% Fixed |
| Penalty APR and When it Applies | None | ||
| Paying Interest |
Your due date is at least 26 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances and/or balance transfers on the transaction date.
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| Minimum Interest Charge | If you are charged interest, the charge will be no less that $0.00 | ||
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. | ||
| Fees | VISA® Platinum with Credit Score of 680+ |
VISA® Platinum with Credit Score of 679-640 |
VISA® Platinum with Credit Score of 639 and below |
| Annual Fee | None | None | None |
| Transaction Fee• Balance Transfer• Cash Advances
• Foreign Transaction |
NoneATM flat $3.00, over the counter 2%
.8% single currency transaction, 1% multi-currency transaction |
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| Penalty Fee• Late Payment• Over-the-Credit Limit
• Returned Payment |
$25.00 flat feeNone
$25.00 flat fee |
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| Other Fees Rush Card Fee |
$50.00 flat fee | ||
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Terms & Conditions effective as of May 10, 2015. For additional information on terms and rates, please call us at 800-230-7367.
