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Interest Rates and Interest Charges 

Pricing Information Table 

Annual Percentage Rate 
(APR) for Purchases 

25.24% 

This APR will vary with the market based on the Prime Rate. 

11.90% for select purchases eligible for the 48 month reduced rate credit plan.* 

0% – 11.99% for select purchases eligible for the 24 month reduced rate credit plan 
(available after June 30, 2020).* 

8.99% – 12.99% for select purchases eligible for the 36 month reduced rate credit 
plan (available after June 30, 2020).* 

APR for Balance Transfers 

25.24% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

27.99% 

This APR will vary with the market based on the Prime Rate.

Paying Interest 

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 and balance transfers 
on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1. 

How We Calculate Your 
Balance  

Daily Balance (including current transactions) 

Fees 

Annual Fee 

Transaction Fees 

• Cash Advance

$0 - $59 

Either $10 or 5% of the amount of each cash advance, whichever is greater. 

•

Balance Transfer

Either $15 or 5% of the amount of each balance transfer, whichever is greater. 

Penalty Fees 

•

Late Payment

Up to $40 

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Details About Your Interest Rates and   Interest 
Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases  

0.06915% 

21.99% 

Reduced Rate Credit Plan for 11.90% 48 months 

0.03260% 

Reduced Rate Credit Plan for 0% 24 months 

0.00000% 

Reduced Rate Credit Plan for 7.99% 24 months 

0.02189% 

Reduced Rate Credit Plan for 11.99% 24 months 

0.03284% 

Reduced Rate Credit Plan for 8.99% 36 months 

0.02463% 

Reduced Rate Credit Plan for 12.99% 36 months 

0.03558% 

Balance Transfers 

Cash Advances 

0.06915% 

0.07668% 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

21.99% 

24.74% 

APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime 
Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  If the 
Prime Rate decreases, it will cause the APR to decrease.  For each billing cycle we use the Prime Rate published in 
The Wall Street Journal two business days before the Statement Closing Date.   If the Prime Rate changes any APR, 
we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR.  We apply the 
new APR to any existing balances, subject to any promotional rate that may apply.  If The Wall Street Journal does 
not publish the Prime Rate, we will use a similar published rate. 

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may increase as 
well.  

Daily Balance.  We calculate the daily balance for each of your different balances.  To get a daily balance, we take 
the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and 
subtract new credits or payments.  We figure the interest charge by multiplying the daily balance by its daily periodic 
rate each day in the billing cycle.  We then add up all the daily interest charges and the total is the interest charge for 
the billing cycle. 

* The store sales associate or store website will identify which purchases are eligible for these plans.