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| Any time, any reason; universal default | We will not voluntarily increase your rates and fees or change other terms of your card agreement until your card expires, typically in two years. | We will not voluntarily increase your rates and fees or change other terms of your card agreement until your card expires, typically in two years. |
| Average daily balance or two-cycle? | Average daily balance (including new purchases). | Average daily balance (including new purchases). |
| Late fee range | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 or more. | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 or more. |
| Overlimit fee | $39. | $39. |
| Balance transfer fees: % of amount; minimum and maximum | 3% of each balance transfer; $5 minimum. | 3% of each balance transfer; $5 minimum. |
| Cash advance fees: % of advance; minimum and maximum | 3% of each advance; $5 minimum. | 3% of each advance; $5 minimum. |
| Payment related fees: phone, express | Phone: $14.95 with a person. | Phone: $14.95 with a person. |
| Other fees (annual, returned check, etc.) | Annual: $0
Returned check: $39
Wire transfer: NA
Statement copy: 10 or more copies are $3 per request | Annual: $0
Returned check: $39
Wire transfer: NA
Statement copy: 10 or more copies are $3 per request |
| Grace period | At least 20 days. | At least 20 days. |
| Introductory rate for purchases and balance transfers | Purchase and balance transfer: APR 1: 0% for 12 months; APR 2: 0% for nine months; APR 3: 0% for six months. Citi's APRs are based on creditworthiness. | Balance transfer: APR 1: 0% for 12 months. APR 2: 0% for six months; APR 3: 0% for six months. |
| Default APR range | Default APR: 29.99% variable. All default APRs equal the greater of (1) the prime rate plus up to 23.99% or (2) up to 29.99%. | Default APR: 29.99% variable. All default APRs equal the greater of (1) the prime rate plus up to 23.99% or (2) up to 29.99%. |
| 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? | For each billing period we use the prime rate published in The Wall Street Journal two business days before the statement/closing date. | For each billing period we use the prime rate published in The Wall Street Journal two business days before the statement/closing date. |
| Minimum payment charge | 1.5% if there is a 0.00% APR. 1% when the APR is greater than 0% plus fees plus interest. | 1.5% if there is a 0.00% APR. 1% when the APR is greater than 0% plus fees plus interest. |