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| Any time, any reason; universal default | They say: We do not engage in a practice known as "universal default." However, in the fine print it says they will raise rates due to "market conditions." | They say: We do not engage in a practice known as "universal default." However, in the fine print it says they will raise rates due to "market conditions." |
| Average daily balance or two-cycle? | Average daily balance (including new purchases). | Average daily balance (including new purchases). |
| Late fee range | $15 on balance of $0 to $99.99; $29 on $100 to $249.99; $39 on $250 or more. | $15 on balance of $0 to $99.99; $29 on $100 to $249.99; $39 on $250 or more. |
| Overlimit fee | $19 for credit limit of $0 to $499.99; $29 for credit limit of $500 to $999.99; $39 for credit limit of $1,000 or more. | $19 for credit limit of $0 to $499.99; $29 for credit limit of $500 to $999.99; $39 for credit limit of $1,000 or more. |
| Balance transfer fees: % of amount; minimum and maximum | No balance transfer fee. | No balance transfer fee. |
| Cash advance fees: % of advance; minimum and maximum | 3% of each advance; $10 minimum. | 3% of each advance; $10 minimum. |
| Payment related fees: phone, express | Phone: $14.95 with a person; $10 using automated system, with or without account. | Phone: $14.95 with a person; $10 using automated system, with or without account. |
| Other fees (annual, returned check, etc.) | Annual: $0
Returned check: $39
Copy: $3 for a copy of a periodic statement, $13 for a copy of a Visa transaction or $2 for a copy of a MasterCard transaction (fee imposed per copy). | Annual: $0
Returned check: $39
Copy: $3 for a copy of a periodic statement, $13 for a copy of a Visa transaction or $2 for a copy of a MasterCard transaction (fee imposed per copy). |
| Grace period | 25 days. | 25 days. |
| Introductory rate for purchases and balance transfers | Purchases: 0% for six months. | Purchases: 0% for 12 months. |
| Default APR range | Your default APR may vary quarterly. The rate will be determined by adding 19.9% to the prime rate. | A variable rate, currently equal to 23.15%
Your default APR may vary quarterly. The rate will be determined by adding 19.9% to the prime rate. |
| How payments applied to balance? | Payments will be applied to balances with lower APRs before balances with higher APRs. | Payments will be applied to balances with lower APRs before balances with higher APRs. |
| How is interest rate set? | We calculate your variable rates by adding a percentage to the prime rate published in the "Money Rates" section of The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. If prime changes, your new rate will take effect on the first day of your January, April, July and October billing period. | We calculate your variable rates by adding a percentage to the prime rate published in the "Money Rates" section of The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. If prime changes, your new rate will take effect on the first day of your January, April, July and October billing period. |
| Minimum payment charge | 1% plus finance charges plus fees with $15 minimum or 3% plus finance charges plus fees with $10 minimum, depending on card offer. | 1% plus finance charges plus fees with $15 minimum or 3% plus finance charges plus fees with $10 minimum, depending on card offer. |