Credit Card Disclosure

 

Visa Classic ®

MasterCard®

Visa Gold®

Visa Platinum®

Annual Percentage Rate (APR)

13.96%

12.96%

10.80%

4.9%1
1st 6 months
9.9%

Annual Membership Fee

No Fee

$10.00

No Fee

No Fee

Grace Period

25 days2

25 days2

25 days2

25 days2

Method Of Computing Balance For Purchases

Average Daily Balance Including New Purchases

Late Payment Fee

$17.50

$17.50

$17.50

$17.50

Foreign Transaction Fee

 

If a foreign transaction involves a currency conversion, a fee of 1.4% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of 0.8% of the transaction amount will be assessed.

1Introductory 4.90% APR on transactions until the first day of the billing cycle that includes the six month anniversary date of the opening of your account. After that, balances convert to a low fixed APR of 9.90%. After that date, all purchased, balance transfers, and cash advances will also be at 9.90% APR.

As of 2/1/2010 the information listed above was accurate. Because rates and terms are subject to change, you may contact us for the current information by writing to the Member Services Phone Center.

MasterCard® may impose charges for transactions performed outside the United States. These will be itemized and identified separately on your periodic statement. MasterCard's currency conversion procedure includes use of either a government-mandated exchange rate or wholesale exchange rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted to the cardholder's account.

2A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle proceeding the date of which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date.

The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

RESIDENTS OF ILLINOIS MAY CONTACT THE COMMISSIONER OF BANKS AND TRUST FOR COMPARATIVE INFORMATION ON INTEREST RATES, CHARGES, FEES AND GRACE PERIODS. STATE OF ILLINOIS - CIP, P.O. BOX 10181, SPRINGFIELD, ILLINOIS 62791; 800.634.5452. /10

Savings not guaranteed.