Department store credit card information
By Lucy
Lazarony • Bankrate.com
Kmart
MasterCard
Issuer: Capital
One
APR:
11.9 percent fixed
Grace period:
25 days
Perks:
Interest-free purchases at Kmart Store and Bluelight.com
for six months
Fees:
Late fees, over-the-limit and returned check
fees of $25
Penalty rates:
All non-introductory rates (APRs) may be changed
to a fixed rate of 25.9 percent if an account is between 1 and 29
days past due twice in any six-month period or an account is 30
or more days past due at any time. These changes will take place
within two billing periods of the delinquency.
Card may be used:
Anywhere that accepts MasterCard
Wal-Mart MasterCard
Issuer: Chase
Manhattan
APR for purchases:
13.48 percent, 16.48 percent or 21.48 percent.
APR for balance transfers:
fixed 9.9 percent on transfers made within nine months of opening
the account.
Grace period:
not less than 22 days
Fees: Late
fees, over-the-limit fees of $29
Penalty rates:
If fail to make minimum payment, regular purchase APR will
be applied to balance transfers. Purchase APR may be increased to
as much as 24.49 percent if the credit limit on the account is exceeded
or a cardholder fails to make the minimum payment on the Wal-Mart
MasterCard or any other credit account.
Card may be used:
Anywhere that accepts MasterCard
Target
Guest Card
Issuer:
Retailers National Bank, an affiliate of Target
APR: 21
percent; in Illinois and Ohio 21.6 percent
Grace period:
28 to 31 days from closing date depending on calendar month
Perks:Money-saving offers
for cardholders only, 10 percent off an in-store purchase.
Fees: Late
fees of $20
Card may be used:
Only at Target
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