Visa Gold Disclosure
Annual Percentage Rate (APR) for purchases
|
10.05% variable*
|
Other APRs
|
Balance Transfer APR: 0.9% through six statement cycles after opening; after that: 10.05% variable*
Cash Advance APR: 15.25% variable**
Default APR: 18% See explanation below***
|
Variable Rate Information
|
The following APRs may vary monthly based on Prime Rate:
Balance transfer APR equals the Prime Rate plus 4.8%
Cash Advance APR equals the Prime Rate plus 10%
Purchase APR equals the Prime Rate plus 4.8%
|
Grace period for repayment of purchases balances
|
Not less than 23 days
|
Method of computing the balance for purchases
|
Average Daily Balance, including current purchases
|
Minimum Finance Charge Per Balance Category
|
Balance transfer Fee:
Annual Fee:
Late Fee:
Over Limit Fee:
Inactive Fee
|
None
None
$35
$29
$10 Ŧ
|
Cash Advance Fee
|
3% of the advance ($5 min/$50 max. per advance)
|
We may change the APRs, fees, and other terms of your account at any time in accordance with applicable law.
* The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a minimum of 4.8% APR and a maximum rate as determined by law which is currently 18% APR. Variable rates are current as of March 2008.
** The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a minimum of 10% APR and a maximum rate as determined by law which is currently 18% APR. Variable rates are current as of March 2008.
*** Your Purchase, Balance Transfer and Cash Advance APR may increase if your Account becomes 30 or more days late in making the minimum monthly payment when due as shown on your billing statement for any billing cycle in which a payment is owed. During the introductory .9% APR period, your Balance Transfer APR may increase to the Purchase APR if you fail to make at least the minimum payment on the due date shown on your billing statement for any billing cycle in which a payment is owed.
Ŧ Should your account have no transaction activity (which posts a balance) for six consecutive billing cycles; the account is subject to a $10 Inactive Fee.
