Terms and Conditions
2/8/2014
Terms, Conditions & Disclosures
By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions, and disclosures outlined below /as stated below , w hich contain rates, fee and other important cost information.
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IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST
INFORMATION
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate
(APR) for Purchases
0.0% introductory APR for the first 15 months.
After that, your APR will be
12.99% to 21.99%, based on
your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the
Prime Rate.
APR for Balance Transfers
0.0% introductory APR for the first 15 months on balance transfers requested within 30 days of account opening.
After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 12.99% to 21.99% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
25.24%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it
Applies
27.24%
This APR will vary with the market based on the Prime Rate. This
APR will apply to your account if you:
1) Make one or more late payments; or
2) Make a payment that is returned
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed. The
Penalty APR will apply to existing balances only if a payment is more than 60 days late.
Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your
Terms, Conditions & Disclosures
By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions, and disclosures outlined below /as stated below , w hich contain rates, fee and other important cost information.
Print this page
IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST
INFORMATION
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate
(APR) for Purchases
0.0% introductory APR for the first 15 months.
After that, your APR will be
12.99% to 21.99%, based on
your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the
Prime Rate.
APR for Balance Transfers
0.0% introductory APR for the first 15 months on balance transfers requested within 30 days of account opening.
After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 12.99% to 21.99% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
25.24%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it
Applies
27.24%
This APR will vary with the market based on the Prime Rate. This
APR will apply to your account if you:
1) Make one or more late payments; or
2) Make a payment that is returned
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed. The
Penalty APR will apply to existing balances only if a payment is more than 60 days late.
Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your