Terms and Conditions 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage 
Rate (APR) for 
Purchases  

7.24% to 29.99% based on your creditworthiness when you open 
your account. 

This APR will vary with the market based on the Prime Rate.* 

How to Avoid 
Paying Interest on 
Purchases 

Your due date is at least 26 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. 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

FEES 

Annual Fee 

Transaction Fee 

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. 

None 

•  Foreign Transaction 

None 

Penalty Fees 

•  Late Payment  

•  Over-the-Credit Limit 

•  Returned Payment 

None 

None 

None 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new 
purchases)."   

*Prime Rate: The Index for the variable APR is based on the Prime Rate.  The Index is 3.25%% as of 
3/16/2020.   

Military Lending Act Disclosure: Federal law provides important protections to members of the Armed 
Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs 
associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for specified credit 
transactions or accounts); and any participation fee charged (other than certain participation fees for a 
credit card account). To receive this information and a description of your payment obligation verbally, 
please call 855.950.0057. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
State Notices: 

IOWA,  MISSOURI,  NEBRASKA,  AND  TEXAS  RESIDENTS  ONLY:  ORAL  AGREEMENTS  OR 
COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR FORBEAR FROM ENFORCING REPAYMENT 
OF DEBT INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT ARE NOT ENFORCEABLE.  
TO  PROTECT  YOU  AND  US  FROM  ANY  MISUNDERSTANDING  OR  DISAPPOINTMENT,  ANY 
AGREEMENTS WE REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH 
IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS 
WE MAY LATER AGREE IN WRITING TO MODIFY IT. 

CALIFORNIA AND UTAH RESIDENTS: As required by California and Utah law, you are hereby notified 
that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if 
you fail to fulfill the terms of your credit obligations. 

NEW  YORK,  RHODE  ISLAND  AND  VERMONT  RESIDENTS:  You understand  and  agree that  we  may 
obtain a consumer credit report in connection with any updates, renewals or extensions of any credit as a 
result of your application and card membership.  If you ask, you will be informed whether or not such a report 
was obtained and, if so, the name and address of the agency that furnished the report. You also understand 
and agree that we may obtain a  consumer credit report in connection with the review or collection of any 
extension of credit made to you or for other legitimate purposes related to such extension of credit. 

MARRIED WISCONSIN RESIDENTS: If you are married: (i) you confirm that this Account is being incurred 
in  the  interest  of  your  marriage  or  family;  (ii)  no  provision  of  any  marital  property  agreement,  unilateral 
statement, or court decree under the Wisconsin Marital Property Act will adversely affect a creditor's interest 
unless, before the time credit is granted, the creditor is furnished a copy of that agreement or decree or is 
given  complete  information  about  the  agreement  or  decree;  (iii)  you  understand  and  agree  that  we  will 
provide a copy of this Agreement to your spouse for his or her information.  If the Account for which you 
are applying is granted, you will notify us if you have a spouse by sending your name and your spouse's 
name and address to us at TAB Bank c/o Sunbit, 10880 Wilshire Blvd. Suite 870, Los Angeles CA 90024.