74Q 

Interest Rates and Interest Charges 

Pricing Information Table 

Annual Percentage Rate 
(APR) for Purchases 

How To Avoid Paying 
Interest 

29.99% 

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.   

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $2. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

Penalty Fees 

None 

•

Late Payment

Up to $40 

Details About Your Interest Rates and 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Interest Calculations 

Purchases 

0.08216% 

25.24% 

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.