|INTEREST RATE AND INTEREST CHARGES|
|Annual Percentage Rates (APR) for Purchases
||12.00% to 18.00%, based on your creditworthiness at time of application. After account opening, your APR will vary with the market based on the Prime Rate.
|APR for Cash Advances and Balance Transfers
||12.00% to 18.00% when you open your account, based on your creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate.
|Penalty APR and When It Applies
||18.00% If your account becomes 60 days delinquent.
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be applied to your balances for a minimum of six (6) months or payment cycles.
Penalty APR will apply until you make six (6) consecutive monthly payments.
|How to Avoid Paying Interest on Purchases||Your due date is approximately twenty-five (25) days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
|For Credit Card Tips from the Consumer Financial Protection Bureau
||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.ConsumerFinance.gov/LearnMore.
|Cash Advance||5% of the amount advanced. Minimum advance amount of $20.00|
|Foreign Transaction Fees||None|
|ATM Transaction||5% of the amount advanced. Minimum advance amount of $20.00|
|Late Payment||Up to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to thirty-seven dollars ($37.00). This applies to payments received after five (5) days from the due date.
|Over Limit Fee (Opt In)||Up to $15.00|
|Return Payment|| $20.00|
|Returned Statement||You will be charged one dollar ($1.00) for each monthly billing statement that is returned.|
|Copies of Visa Transaction Receipts and Statements
||You will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit, Cash Advance, or of a monthly billing statement (except in connection with the resolution of a billing error).
|ScoreCard® Bonus Point Program: Account holders earn one (1.5) Bonus Point for every one dollar ($1.00) of qualifying credit card purchases. For more details on how your points are earned and redeemed please visit ScoreCardRewards.com.