INTEREST
RATE
AND
INTEREST
CHARGES
Annual
Percentage
Rate(APR)
for
Purchases
13.99%
Fixed
Rate
APR
for
Cash
Advances
18.00%
Fixed
Rate
How
to
avoid
paying
interest
on
purchases
Your
due
date
is
at
least
25
days
after
close
of
each
billing
cycle.
We
will
not
charge
you
interest
on
purchases,
cash
advances
and
balance
transfers
if
you
pay
entire
balance
by
the
due
date.
Minimum
Interest
Charge
N
/A
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
the
website
of
the
Consumer
Financial
Protection
Bureau
at
http://www.consumerfinance.gov/learnmore
FEES
Annual
Fees
N/A
Transaction
Fees
�
Balance
Transfer
Up
to
$10.00
�
Cash
Advance
Up
to
$10.00
�
Foreign
Fees
N/A
�
Other
Phone
payment
penalty
of
$6.00
Penalty
Fees
�
Late
Payment
Up
to
$30.00
�
Over-
the-
Credit-
Line
N/A
�
Returned
Payment
Up
to
$30.00
�
Other
N/A
How
We
Will
Calculate
Your
Balance:
We
use
a
method
called
�average
daily
balance�.
See
your
account
agreement
for
further
information
regarding
how
we
calculate
your
balance.
Billing
Rights:
Information
on
your
rights
to
dispute
transactions
and
how
to
exercise
those
rights
is
provided
in
your
account
agreement.
Loss
of
Introductory
APR:
N/A
Purchase
APR:
Your
Purchase
rate
is
13.99%
.
The
monthly
periodic
rate
of
FINANCE
CHARGES
is
1/12th
of
the
APR
or
1.16583%
.
Cash
APR:
Your
Cash
rate
is
18%
.
The
monthly
periodic
rate
of
FINANCE
CHARGES
is
1/12th
of
the
APR
or
1.5%
.