| Card Type |
Visa Classic*** |
Visa Gold** |
University** |
Teachers** |
Visa Classic*** (Variable
Rate) |
Shared Secured Visa
Classic*** |
Visa Gold**
(no fee) |
Visa Gold**
(with fee) |
Secured Student Visa
|
| Annual percentage rate (APR) for
purchases |
13.49%-
18.00% |
11.88%-
18.00% |
18.00% |
18.00% |
12.99%-
18.00%
*(Margin range of 4.99% to
10.99%) |
13.99%
*(prime
+5.99%) |
12.99%-
18.00%
*(Margin range of 4.99% to
10.99%) |
10.99%-
16.99%
*(Margin range of 2.99% to
8.99%) |
13.99%
*(prime
+5.99%) |
Other APRs:
Cash advance APR
Balance Transfer APR |
13.49%-
18.00%*
13.49%-
18.00%* |
11.88%-
18.00%*
11.88%-
18.00%* |
18.00%*
18.00%* |
18.00%*
18.00%* |
12.49%-
18.00
12.49%-
18.00%* |
13.49%*
13.49%* |
12.49%-
18.00%*
12.49%-
18.00%* |
10.49%-
16.49%*
10.49%-
16.49%* |
13.49%*
(prime +5.99%)
13.49%* (prime +5.99%) |
| Variable-rate information |
Not
applicable |
Not applicable |
Not
applicable |
Not
applicable |
Your
APR may vary. The rate for purchases, cash advances and balance
transfers is determined by the Prime Rate plus a margin. The margin
applicable to your credit line is based on your credit quality.
See explanation below. |
| Grace period for repayment of balances
for purchases |
25 days |
25 days |
25 days |
25 days |
25 days |
25 days |
25 days |
25 days |
25 days |
| Method of computing the balance
for purchases |
Average Daily Balance (including
new purchases) |
Average Daily Balance (including
new purchases) |
Average
Daily Balance (including new purchases) |
Average
Daily Balance (including new purchases) |
Average Daily Balance (including
new purchases) |
Average Daily Balance (including
new purchases) |
Average Daily Balance (including
new purchases) |
Average Daily Balance (including
new purchases) |
Average Daily Balance (including
new purchases) |
Late Payment fee:
$25.00
Over-the-credit-limit fee: $20.00 |
*All Credit Card rates are based upon your credit quality.
Your APR may be different than disclosed above. All terms
and conditions are subject to change.
**Required minimum yearly household income of $40,000
or $30,000 for single-income households.
***Required minimum yearly household income of $25,000
or $18,000 for single-income households.
The Annual Percentage Rate may change on the first day
of each quarter based on the Prime Rate, as published in
the Wall Street Journal on the 26th day of the last month
of the quarter (March, June, September, December) plus a
margin. The margin on our credit line may vary depending
on your credit quality.
The information about the costs of the card described
in this solicitation is accurate as of the date listed above.
This information may have changed after that date. To find
out what may have changed, call us at 800-447-7228 or 321-752-2222.
|
|
