P
Variable Rate: Your APRs will vary with the market based on the Prime Rate. The 
Prime Rate is the highest bank prime loan rate as published by the Wall Street 
Journal in its Money Rates Section on the 14th day (or the next business day if 
the 14th is not a business day) of the calendar month preceding the first day of 
the billing period. If the Periodic Rate(s) and corresponding  Annual Percentage 
Rate(s) increase, your interest charges will increase and your minimum payment 
may be greate r.
Penalty Rate: If you fail to make your required minimum payment on your  Account 
by the due date, make a payment that is returned, or fail to do any of the same on 
any other account held with us; all rates may increase to the Penalty Rate. If your 
APR is increased for any of the above reasons, we may keep the  APRs at this 
higher level indefinitely or until we receive (6) consecutive minimum payments by 
the required due date.
Application of Payments: Please refer to your Cardholder  Agreement for specific 
information regarding your  Applicacation of Payment details.
Minimum Payment: Please refer to your Cardholder Agreement for specific 
information regarding your Minimum Payment details.
Cash Equivalent Transactions: Cash equivalent transactions are those 
transactions performed using a merchant or service provider that Masterard/VISA 
identifies as a seller of travele r�s cheques, foreign currencies, money orders, wire 
transfers, lottery tickets, funds used for wagers or gambling or similar products and 
services.
Other Fees:
Replacement Card  ....................................................... $35.00 (includes delivery)
Copy of Sales Voucher  ................................................................................ $7.50
Additional Copy of Paper Statement  ........................................................... $7.50
Annual Second Card Fee  ............................................................................ $0.00CONSUMER PLATINUM
Credit Terms 
and Fees
TIER 4
CON TACT US:
Card  Assets
3595 Canton Rd.
Suite 312-339
Marietta, G A  30066-2658
1.800.854.7642 
www.24-7cardaccess.com
CONSUMER PLATINUM: CREDIT TERMS AND FEES  05/2022Privacy Policy to be included as part of
the Cardholder Agreement.
                              M-901003 Summary of Credit Terms  Effective 05/15/2022
Interest Rates and Interest Charges
Please read carefully and review the pricing & terms.Fees
Annual Fees:
Annual Percentage 
Rate (APR) for 
Purchases
Balance Transfers 
APR
Cash Advances and 
Cash Equivalent 
Transaction  APR
Penalty APR and 
When it  Applies0.00% introductory  APR for the first
twelve (12) billing cycles.  After that your  APR
will be 20.24% . This  APR will vary with
the market based on the Prime Rate.
0.00% introductory  APR for the first twelve 
(12) billing cycles.  After that your  APR will be
20.24% . This  APR will vary with the market
based on the Prime Rate.
0.00% introductory  APR for the first twelve 
(12) billing cycles.  After that your  APR will be
24.24%.  This  APR will vary with the market
based on the Prime Rate.
26.24%. This APR will vary with the market 
based on the Prime Rate.
This APR may be applied to your account if 
you:
1. Make a late payment
2. Make a payment that is returned
3. Do any of the above on any other
account held with us
How Long Will the Penalty  APR  Apply?� Rewards Fee
Transaction Fees:
� Balance
Transfer
� Cash  Advance
� Foreign
Transaction
Penalty Fees:
� Late Fee
(Late Payment)
� Returned
Payment
Charge
� Over Credit
Limit Fee� None
� Either $10.00  or 4% of the amount of
each transfe r, whichever is greate r.
� Either  $10.00 or 5% of the amount
advanced, whichever is greate r.
� 3.0% of the US dollar amount of the
transactions originating in a foreign 
countr y.
� Up to $35.00
� $25.00  per item
� $0.00
The penalty rate may be applied to your 
account until we receive six (6) consecutive 
minimum payments, with each payment being 
received by the required payment date.How We Will Calculate Your Balance: We use a method called 
�average daily balance� (including new purchases). See your Cardholder 
Agreement for more details.
How to  Avoid 
Paying Interest on 
Purchases
Minimum Interest 
ChargeYour due date is at least 25 days after
the close of each billing period. We will
not charge you periodic interest on new 
purchases, or any portion of a new purchase, 
paid by the due date on your current billing 
statement if your entire balance on your 
previous billing statement is paid in full by the 
due date on that statement.
If you are charged interest, the charge will be 
no less than $1.00.Loss of Introductory  APR:  We may end your introductory  APR and
apply the Penalty  APR if you make a late payment.
Billing Rights:  Information on your rights to dispute transactions and 
how to exercise those rights is provided in your Cardholder  Agreement.
Margins & Periodic Rates with Corresponding  APRs
Daily Periodic Rate
Purchase Rate  0.05477%
(Corresponding  APR of 20.24%)
For Credit Card Tips 
from the Consumer 
Financial Protection 
BureauTo learn more about factors to consider when 
applying for or using a credit card, visit the 
website of the Consumer Financial Protection 
Bureau at http://ww w.consumerfinance.
gov/learnmoreBalance Transfer 
Rate
Cash Advance and 
Cash Equivalent 
Transaction Rate0.05477%
(Corresponding  APR of 20.24%)
0.06573%
(Corresponding  APR of 24.24%)
Penalty Rate  0.07121%
(Corresponding  APR of 26.24%)
CONSUMER PL ATINUM: CREDIT TERMS  AND FEES   05/2022                                                                                      
� Annual Fee
� None
Margin
16.74%
16.74%
20.74%
22.74%