| 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. |
2009 Credit Card Study
