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Interest rate and Interest Charge Classic Platinum
Annual Percentage Rate (APR) for Purchases 9.95% 7.95%
APR for Balance Transfers 9.95% 7.95%
APR for Cash Advances 9.95% 7.95%
Penalty APR and When it Applies

None

This APR will be applied to your account if you:

  1.  Make a late payment
  2. Go over your credit limit twice in a six-month period;
  3. Make a payment that is required; or
  4. Do anything above on another account that you have with us.

How long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.

Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about the factors consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

Fees
Annual Fee None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None

1% of each transaction in U.S.dollars

Penalty Fees

  • Late Payment
  • Over - the - Credit Limit
  • Returned Payment



$20
None
$25

 

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    • The following information pertains to CO-BORROWER.
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    • Please Tell Us About Your Job (Co-Borrower)


    • Phone Number
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    • Monthly dollar amount that you receive in alimony, child support, or separate
      maintenance - this income need not be revealed if you do not wish to
      have it considered as a basis for repaying this obligation



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