Annual Percentage Rate(APR) for
Purchases

APR for Cash Advances

How to avoid paying interest on
purchases
Minimum Interest Charge
For Credit Card Tips from the Consumer
Financial Protection Bureau

INTEREST RATE AND INTEREST CHARGES
9.90%
Standard APR based on your credit worthiness.
9.90%
Standard APR based on your credit worthiness.
Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on
purchases if you pay entire balance by the due date each month.
If you are charged periodic interest, the charge will be no less than $0.
To 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://www.consumerfinance.gov/learnmore

Annual Fees
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Fees

Up to $0

FEES

Either $0 or 0% of the amount of each transfer, whichever is greater (maximum fee: $0).
Either $0 or 0% of the amount of each transfer, whichever is greater (maximum fee: $0).
1% to convert into US Dollars.

.8% for non-conversion the merchant already takes US Dollars.

Penalty Fees
• Late Payment
• Over-the-Credit-Line
• Returned Payment
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Up to $10
Up to $0
Up to $0