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| Any time, any reason; universal default | Late making a payment or account is overlimit twice, they may increase your APRs to a default rate. | Late making a payment or account is overlimit twice, they may increase your APRs to a default rate. |
| Average daily balance or two-cycle? | Average daily balance (including new purchases). | Average daily balance (including new purchases). |
| Late fee range | $19 on balances up to $250; $39 on balances over $250. | $19 on balances up to $250; $39 on balances over $250. |
| Overlimit fee | $15 on balances up to $500; $39 on balances over $500. | $15 on balances up to $500; $39 on balances over $500. |
| Balance transfer fees: % of amount; minimum and maximum | 3% of each balance transfer; no maximum. | 3% of each balance transfer; no maximum. |
| Cash advance fees: % of advance; minimum and maximum | 3% for each advance; $5 minimum. | 3% for each advance; $5 minimum. |
| Payment related fees: phone, express | Phone: No fee. | Phone: No fee. |
| Other fees (annual, returned check, etc.) | Annual: $0
Returned check: $35
Wire: $10
Copy: $0 | Annual: $0
Returned check: $35
Wire: $10
Copy: $0 |
| Grace period | At least 25 days. | At least 25 days. |
| Introductory rate for purchases and balance transfers | Purchase: 0% for six months. Balance transfer: 0% for nine months. | Purchase: 3.99% for six months. Balance transfer: 3.99% for 12 months. |
| Default APR range | Up to 29.99% variable. The default APR may vary monthly and equals the prime rate plus up to 27.99%, but such rate will never exceed 29.99%. | Up to 29.99% variable. The default APR may vary monthly and equals the prime rate plus up to 27.99%, but such rate will never exceed 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? | The prime rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. | The prime rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. |
| Minimum payment charge | 2% of balance due including fees and interest. | 2% of balance due including fees and interest. |