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| Any time, any reason; universal default | Any time, any reason; universal default. | Any time, any reason; universal default. |
| Average daily balance or two-cycle? | Average daily balance (including new purchases). | Average daily balance (including new purchases). |
| Late fee range | $19 on balance up to $100; $29 on $100 to $250; $39 on balance $250 or more. | $19 on balance up to $100; $29 on $100 to $250; $39 on balance $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 | 4% of each advance; $10 minimum. | 4% of each advance; $10 minimum. |
| Payment related fees: phone, express | Phone: $10 without account. | Phone: $10 without account. |
| Other fees (annual, returned check, etc.) | Annual: $0 the first year and every year that you charge at least one purchase to the account, otherwise $40.
$2.50 closed account management fee if you voluntarily close your account with a balance.
Returned check: $39
Wire transfer: $0
Copy: Two free per year, then $3 to $5 | Annual: $0 the first year and every year that you charge at least one purchase to the account, otherwise $40.
$2.50 closed account management fee if you voluntarily close your account with a balance.
Returned check: $39
Wire transfer: $0
Copy: Two free per year, then $3 to $5 |
| Grace period | 20-25 days for purchases only. | 20-25 days for purchases only. |
| Introductory rate for purchases and balance transfers | Balance transfers: 0% for 12 months. | Balance transfers: 0% for 12 months. |
| Default APR range | 27.24 % variable. Delinquency rate is based on the prime rate plus 23.99%. | 27.24 % variable. Delinquency rate is based on the prime rate plus 23.99%. |
| 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 to determine your APR is the highest prime rate published in the "Money Rates" section of the Midwest edition of The Wall Street Journal in the last 90 days before the date on which the billing cycle closed (in other words, the "statement date"). | The prime rate used to determine your APR is the highest prime rate published in the "Money Rates" section of the Midwest edition of The Wall Street Journal in the last 90 days before the date on which the billing cycle closed (in other words, the "statement date"). |
| Minimum payment charge | 1% plus fees and interest. | 1% plus fees and interest. |