F03 -M409-
Credit
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Platinum
MasterCard
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with
terms
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you
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time
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The
time
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Bank
any
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read
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sixty
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7092
Bridgepor
06601
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fully
paid
make
the
purchase
request calling TOLL FREE 1-800
all of
the
criteria
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met
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you
still
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Credit
PO
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7092
Disputes
06601
accept
stop
only
7092
Bridgeport
06601
3211
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order
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Terms
We
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change
terms
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at
If required
notice
chang
before
the
effective
date
of the
change
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Notices
You
notif
promptly
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chang
your
address
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send
your
known
address
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we
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these
persons
20
Lost
Stolen
Cards
Use
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use call TOLL FREE 1-800 1-800 0164 notify us
within
period
time
after
such
loss
theft
$50
21
Applicable
Law
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federa
laws.
and
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lations
applicable
banks).
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States
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law,
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enforcing
any
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them
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at any
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24
Cancellation
Ever
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any
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close
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cancel
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your
written
request
person
Credit
7092 Bridgeport 0660 calling TOLI FREE 1-800 426
We
close
after
such
without
giving
notice
the
holders
You
agree
will
hold
responsible
any
costs
damages
our
any Joint Account holder closes your Account we close your
further
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obtain
Cash
and
either
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afte
your
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our
option
pay
the
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for
A variable APR
of
12.99%, 14.99%, 17.99%,
Purchases
or 19.99%
will apply depending on our review of your
creditworthiness..
This rate will vary with the market based on LIBOR.*
APR for Balance Transfers
0.00% introductory APR for the first 12 billing cycles from date
of account opening. After that, your APR will be 12.99%,
14.99%, 17.99%, or 19.99%. This APR will be based on your
creditworthiness and will vary with the market based on
LIBOR.*
APR for Cash Advances
22.24%. This APR will vary with the market based on LIBOR.*
Penalty APR and When It Applies
Up to 29.99%.
This APR may be applied to your account if you:
(1) Fail to make the minimum payment by the payment due
date;
(2) Exceed your Cash Advance Limit or your Total Credit Limit;
(3) Provide false information to us;
(4) Use the Account for an illegal transaction;
(5) Do not pay debts (including other accounts with us) when
due;
(6) Make a payment that is returned or dishonored, or;
(7) Fail to keep a promise under the agreement or we believe
you will not keep a promise, including making payments.
How Long Will the Penalty APR Apply? If your APRs are
increased due to any default (as described above), the Penalty
APR will apply indefinitely.
How to avoid Paying Interest on
Your due date is at least 21 days after the close of each billing
purchases
cycle. We will not charge you interest on purchases if you pay
your entire balance by the due date of each month. You will
pay interest on Cash Advances, Balance Transfers and
Convenience Checks from the transaction date, unless
promotional terms apply.
Minimum Interest Charge
If you are charged interest, the charge will be no less than
$1.50.
For Credit Card Tips from
To learn more about factors to consider when applying for or
the Consumer Financial
using a credit card, visit the website of the Consumer Financial
Protection Bureau
Protection Bureau at
http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee
None
Transaction Fees
Balance Transfer
Either $10 or up to 4% of the amount of each transfer,
whichever is greater.
Cash Advance
Either $10 or up to 3% of the amount advanced, whichever is
greater.
Either $20 or 5% of the transaction for certain Cash Equivalent
Transactions, whichever is greater.
Foreign Transaction
Either $1.50 or 3% of the U.S. dollar amount of transactions in
a foreign country, whichever is greater.
Penalty Fees
Late Payment
Up to $35
Returned Payment
None
Overlimit Fee
None
How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)." See Cardholder
Agreement for more details.
Loss of Introductory Rate: We may end your introductory APR and apply the Penalty APR if any event included in the description of above
Penalty Rate applies.
*
Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index
to a margin of 12.49-19.49 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74
percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the
northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest
one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR
published on the next business day.
The information about the costs of the card described in this application is accurate as of September 30, 2013. This information may have
changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write us at Credit Card Services, P.O. Box
7092, Bridgeport, Connecticut 06601-7092.