Destiny™ Mastercard® Account
Destiny™ Mastercard® Account 
First Electronic Bank 
First Electronic Bank

Interest Rates and Interest Charges 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases 

Annual Percentage Rate (APR)
for Purchases

24.9% 

24.9%

APR for Cash Advances 

APR for Cash Advances

29.9% 

29.9%

Penalty APR and When It 
Applies 

Penalty APR and When It
Applies

29.9% 

29.9%

This APR may be applied to your account if you:

This APR may be applied to your account if you: 
1. Make a late payment.

1. Make a late payment. 

How Long Will the Penalty Rate Apply?  If your APR is increased for the above reason, 
the Penalty APR will apply until you make six consecutive minimum payments when due.  

How Long Will the Penalty Rate Apply?  If your APR is increased for the above reason,
the Penalty APR will apply until you make six consecutive minimum payments when due.

Paying Interest 

Paying Interest

Your due date is at least 25 days after the close of each billing cycle.  We will not charge 
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 
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 on the transaction date.
month.  We will begin charging interest on cash advances on the transaction date. 

Minimum Interest Charge 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $.50. 

If you are charged interest, the charge will be no less than $.50.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a credit card, visit
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
the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.
http://www.consumerfinance.gov/learnmore. 

Fees 

Fees

Set Up and Maintenance Fees 

Set Up and Maintenance Fees

NOTICE:  Some of these set up and maintenance fees will be assessed before you begin 
using your card and will reduce the amount of credit you initially have available.  For 
example, based on the credit line of $300, your initial available credit will be only about 
$225. 

NOTICE:  Some of these set up and maintenance fees will be assessed before you begin
using your card and will reduce the amount of credit you initially have available.  For
example, based on the credit line of $300, your initial available credit will be only about
$225.

You may reject this plan, provided that you have not yet used the account or paid a fee 
after receiving a billing statement. If you do reject this plan, you are not responsible for 
any fees or charges.  

You may reject this plan, provided that you have not yet used the account or paid a fee
after receiving a billing statement. If you do reject this plan, you are not responsible for
any fees or charges.

• Annual Fee 

• Annual Fee

$75 the first year; $99 thereafter 

$75 the first year; $99 thereafter

Transaction Fees 

Transaction Fees

• Cash Advance Fee 

• Cash Advance Fee

$0 during the first year; after the first year, either $5 or 5% of the amount of each 
transaction, whichever is greater (not to exceed $100) 

$0 during the first year; after the first year, either $5 or 5% of the amount of each
transaction, whichever is greater (not to exceed $100) 

0
2
1
0
-
0
-
3
7
3
Y
-
3
0
F

• Foreign Transaction Fee 

• Foreign Transaction Fee

1% of each transaction in U.S. dollars 

1% of each transaction in U.S. dollars

Penalty Fees 

Penalty Fees

• Late Payment Fee 

• Late Payment Fee

Up to $40 

Up to $40

• Overlimit Fee 

• Overlimit Fee

Up to $40 

Up to $40

• Returned Payment Fee 

• Returned Payment Fee

Up to $40 

Up to $40

How  We  Calculate  Your  Balance:    We  use  a  method  called  “average  daily  balance  (including  new  purchases)”.  See  your 
Cardholder Agreement for more details. 

How  We  Calculate  Your  Balance:    We  use  a  method  called  “average  daily  balance  (including  new  purchases)”.  See your
Cardholder Agreement for more details.

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Cardholder Agreement. 

Billing  Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your
Cardholder Agreement.