Credit Plan Agreement for the Platinum Account of Banco Popular North America 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

9.99% to 23.25%, based on your 
creditworthiness.   

APR for Balance Transfers 

APR for Cash Advances 

How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 

For Credit Card Tips from 
the Federal Reserve Board 

This APR will vary with the market based on the Prime Rate. 

0% introductory APR for the first 9 months from the transfer 
date (for transfers made within the first 3 months of account  
     opening).  

After  that,  your  APR  will  be  9.99%  to  23.25%,  based  on 
your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

16.99% to 30.25%, based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you any interest on purchases if you 
pay  your  entire  balance  by  the  due  date  each  month.  We  will 
begin charging interest on cash advances, convenience checks 
and balance transfers on the transaction date. 
If you are charged interest, the charge will be no less than 
$0.50.  
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   

Fees 
Annual Fee 

Transaction Fees 

None 

   •  Balance Transfers 

3% of the amount of each transfer (min. $5; max. $100) 

   •  Cash Advances 

$29 

   •  Convenience Checks 

3% of the amount of each transaction (min. $5; max. $100) 

   •  Foreign Transaction 

3% of each transaction in U.S. dollars 

Penalty Fees 

   •  Late Payment 

Up to $35 

   •  Returned Payment 

Up to $35 

How  We  Will  Calculate  Your  Balance:    We  use  a  method  called  "average  daily  balance 
(including new purchases)".  

Loss of Introductory APR:  We may end your introductory APR if you make a late payment.  In the event 
you lose the introductory APR, your new APR will be the applicable APR for Purchases. This APR will vary 
with the market based on the Prime Rate.  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your card member agreement. 

Notice to New York Residents:  Consumer reports may be requested in connection with the processing of 
your application and any resulting account.  You may contact the New York State Banking Department at  
1-800-522-3330 for a comparative list of credit card rates, fees and grace periods.  

Notice to California Residents:  Regardless of your marital status, you may apply for credit in your name 
alone.  

 
 
 
 
 
 
 
 
 
 
 
 
 
Terms and Conditions 
· Terms and conditions set forth herein are only valid for new accounts. You must be at least t 18 years of age 
and  either  a  United  States  citizen  or  permanent  U.S.  resident.  Banco  Popular  North  America  (“BPNA”  or  the 
“Bank”) is the issuer of the account. Banco Popular North America operates as “Banco Popular” in each of New 
York  and  New  Jersey  and  as  “Popular  Community  Bank”  in  each  of  Florida,  California  and  Illinois.   Banco 
Popular  and  Popular  Community  Bank  are  trade  names  used  for  Banco  Popular  North  America  and  are  the 
same FDIC-insured institution. 
· For  each  billing  period,  we  use  the  Prime  Rate  published  in  the  Money  Rates  section  of  The  Wall  Street 
Journal two business days prior to the Statement/Closing Date for that billing period. 
· To  help  the  government  fight  the  funding  of  terrorism  and  money  laundering,  Federal  law  requires  all 
financial  institutions  to  obtain,  verify  and  record  information  that  identifies  each  person  who  opens  a  new 
account,  including  your  name,  address,  date of  birth,  and  other  information  that  will  allow  us  to  verify your 
identity. 
· BPNA shall be authorized to verify or check any of the information given, to obtain information from others to 
investigate your credit, employment and income history and to report information regarding  your account to 
consumer reporting agencies. 
· BPNA shall determine the amount of credit extended, as well as which product you qualify for, based on the 
Bank’s criteria.   
· We may report information about your account to credit bureaus.  Late payments, missed payments or other 
defaults on your account may be reflected in your credit report. 
· The terms of the account, including the APRs, are subject to change. Within certain limits imposed by law we 
may change APRs on fixed  rate accounts, or change  to a variable rate, after the first year and giving  you a 
required notice. Other fees and charges may also be changed after notice to you. 

Popular Rewards Program 
The  Popular  Rewards  Program  (the  “Program”)  offers  Banco  Popular  North  America  consumer,  debit  and 
business  customers  the  opportunity  to  earn  points  that  can  be  redeemed  for  goods  and  services  through 
transactions  designated  by  BPNA.    The  Program  is  offered  at  the  sole  discretion  of  BPNA  and  may  also  be 
offered to its affiliates. 
The  Program  or  any  portion  thereof  may  be  revised  or  terminated  with  30  days  prior  written  notice.  If  the 
Program  is  terminated,  you  will  only  have  90  days  from  the  Program  termination  date  to  redeem  all  your 
accumulated  Program  points  ("Popular  Points”).    However,  the  Program  rewards  may  be  changed  or 
substituted, as well as Popular Point levels required for specific Program rewards adjusted, at any time without 
prior notification. All Program rewards are subject to availability. You may access continuously updated Terms 
and Conditions of Program at www.popularrewards.com. 
A Program Member Account ("Popular Rewards Account") will be set up to record your Popular Points activity. 
Popular  Points  are  only  earned  on  eligible  purchases  and  balance  transfers.    Popular  Points  are  contributed 
directly by BPNA into your Popular Rewards Account on a periodic basis. A $3 redemption fee will be charged 
to your account every  time points are redeemed.  Popular Points accumulate and expire as described in your 
Program materials. If the account is closed, the Popular Points accumulated will automatically expire. Popular 
Points and rewards have no cash value, may not be assigned, transferred and/or pledged to any third party.