1025	Virginia	Avenue	
Atlanta,	GA	30354-1319	

Interest	Rates	and	Interest	Charges	

CREDIT	CARD	APPLICATION	AND	SOLICITATION	DISCLOSURE	

Annual	Percentage	
Rate	
(APR)	for	Purchases	

APR	for	Balance	
Transfers	

APR	for	Cash	
Advances	

Penalty	APR	and	
When	it	Applies	

Visa	Platinum	Rewards		

10.00%	to	14.00%,	based	on	your	
creditworthiness	
Your	APR	will	vary	with	the	market	based	on	
the	Prime	Rate	
10.00%	to	14.00%,	based	on	your	
creditworthiness		
This	APR	will	vary	with	the	market	based	on	the	
Prime	Rate	
10.00%	to	14.00%,	based	on	your	
creditworthiness	
This	APR	will	vary	with	the	market	based	on	the	
Prime	Rate	
15.00%	to	19.00%,	based	on	your	
creditworthiness	
This	APR	will	vary	with	the	market	based	on	the	
Prime	Rate	

This	APR	may	be	applied	to	the	entire	balance	
on	your	account	if	you:	
-  Make	a	late	payment	

Visa	Young	Adult	

13.80%		

13.80%	

13.80%	

18.80%	

This	APR	may	be	applied	to	the	
entire	balance	on	your	account	if	
you:	
-  Make	a	late	payment	

How	Long	Will	the	Penalty	APR	
Apply?	If	Your	APRs	are	increased	
for	this	reason,	the	Penalty	APR	will	
apply	until	you	make	at	least	six	(6)	
minimum	payments	by	the	
payment	due	date	as	shown	in	your	
monthly	statement.	

How	Long	Will	the	Penalty	APR	Apply?	If	Your	
APRs	are	increased	for	this	reason,	the	Penalty	
APR	will	apply	until	you	make	at	least	six	(6)	
minimum	payments	by	the	payment	due	date	
as	shown	in	your	monthly	statement.	
Your	due	date	is	at	least	25	days	after	the	close	of	each	billing	cycle.	We	do	not	
charge	you	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.	
None	

None	

Paying	Interest	

Minimum	Interest	
Charge	

	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
For	Credit	Card	Tips	
from	the	Consumer	
Financial	Protection	
Bureau	
Fees	
Annual	Fee	
Transaction	Fees	
-  Cash	Advance		
-  Foreign	

Transaction	Fee	

To	learn	more	about	factors	to	consider	when	applying	for	or	using	a	credit	card,	visit	
the	Web	site	of	the	Consumer	Financial	Protection	Bureau	at	
http://www.consumerfinance.gov/learnmore			

None	

None	

$3.00	
1.00%	of	each	multiple	currency	transaction	in	
U.S.	dollars	
0.80%	of	each	single	currency	transaction	in	
U.S.	dollars	

$3.00	
1.00%	of	each	multiple	currency	
transaction	in	U.S.	dollars	
0.80%	of	each	single	currency	
transaction	in	U.S.	dollars	

Penalty	Fees	
- 
-  Over-the-Credit	

Late	Payment	Fee	

Limit	Fee	
-  Returned	

Payment	Fee	

Up	to	$25.00	
None	

Up	to	$25.00	

Up	to	$25.00	
None	

Up	to	$25.00	

How	We	Will	Calculate	Your	Balance:	We	use	a	method	called	“average	daily	balance	(including	new	
purchases).”	

Effective	Date:	The	information	about	the	costs	of	the	card	described	in	this	disclosure	is	accurate	as	of	
January	10,	2016.	This	information	may	have	changed	after	that	date.		For	more	information	please	contact	us	
at	1-800-554-3328.	

OTHER	DISCLOSURES	

Late	Payment	Fee	-	

Returned	Payment	Fee	-	

Statement	Copy	Fee	-																
Document	Copy	Fee	-		
Rush	Fee	-	

Stop	Payment	Fee	-	
Convenience	Checks	Fee	-	
Payment	Holiday	Fee	-		

$25.00	or	the	amount	of	the	required	minimum	payment,	whichever	is	less,	
if	you	are	ten	(10)	or	more	days	late	in	making	a	payment.	
$25.00	or	the	amount	of	the	required	minimum	payment,	whichever	is	less.	
Returned	payment	fees	are	assessed	for	both	returned	checks	and	for	
returned	auto	transfer	payments	that	are	NSF	on	the	due	date.	
$3.00	
$6.00	
$15.00	Weekday	
$30.00	Saturday	
$15.00	
$3.00	
$0.00