Rates

Effective: January 1, 2017 

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Disclosure Information Program Details
Percentage Rate for Purchases 9.90%
Annual Percentage Rate for Cash Advances 6.99% introductory APR until balance subject to introductory APR is paid off.  After that the rate will be 9.90%.
Annual Percentage Rate for Balance Transfers 6.99% introductory APR until balance subject to introductory APR is paid off.  After that the rate will be 9.90%. 
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (Including New Purchase)
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases None
Foreign Transaction Fee 2% of transaction amount in U.S. Dollars
Balance Transfer Fee None
Late Payment Fee $27.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.
Returned Payment Fee $27.00 or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee None

*Annual Percentage Rate (APR)
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details. 
Promotional Period for Introductory APR on Cash Advances & Balance Transfers: The Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account until December 31, 2017. All rates are subject to change without notice. Limits available from $500 to $15,000. Collection Costs: You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney’s fees.