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| Any time, any reason; universal default | Rate increase if you pay late or are overlimit for two consecutive billing periods. | Rate increase if you pay late or are overlimit for two consecutive billing periods. |
| Average daily balance or two-cycle? | Average daily balance (including new purchases). | Average daily balance (including new purchases). |
| Late fee range | $20 on balance less than $250; $29 on $250 to $499.99; $39 on $500 or more. | $20 on balance less than $250; $29 on $250 to $499.99; $39 on $500 or more. |
| Overlimit fee | $35. | $35. |
| Balance transfer fees: % of amount; minimum and maximum | 3% of each balance transfer; $5 minimum, $99 maximum for each balance transfer made in the first 30 days the account is open. | 3% of each balance transfer; $5 minimum, $99 maximum for each balance transfer made in the first 30 days the account is open. |
| Cash advance fees: % of advance; minimum and maximum | 4% of each advance; $20 minimum. | 4% of each advance; $20 minimum. |
| Payment related fees: phone, express | Phone: No fee with account; $8 without account, automated; $12 with a person. | Phone: No fee with account; $8 without account, automated; $12 with a person. |
| Other fees (annual, returned check, etc.) | Annual: $0
Returned check: $39
Wire transfer: $0
Wire transfer: $0
Copy: Five or more are $3 per copy | Annual: $0
Returned check: $39
Wire transfer: $0
Wire transfer: $0
Copy: Five or more are $3 per copy |
| Grace period | At least 25 days. | At least 25 days. |
| Introductory rate for purchases and balance transfers | Purchase and balance transfer: Range from 0% to 5.9% for the first six or nine billing periods the account is open. | Purchase and balance transfer: Introductory APRs range from 0% to 5.9% for the first six or nine billing periods the account is open. |
| Default APR range | Up to 27.24%. The default rate varies and is determined monthly by adding up to 23.99% to the prime rate. | Up to 27.24%. The default rate varies and is determined monthly by adding up to 23.99% 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? | This index rate is equal to the highest prime rate published in the "Money Rates" column of The Wall Street Journal three business days prior to your billing statement closing date, subject to the applicable minimum APRs. | This index rate is equal to the highest prime rate published in the "Money Rates" column of The Wall Street Journal three business days prior to your billing statement closing date, subject to the applicable minimum APRs. |
| Minimum payment charge | 1% plus fees and interest. | 1% plus fees and interest. |