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|Standard APR||Balance Transfer APR||Cash Advance APR||Annual Fee|
|Based on your credit worthiness:||Based on your credit worthiness:||Based on your credit worthiness:||None|
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||12.99%, 14.99%, 18.99% Based on creditworthiness|
|APR for Balance Transfers||12.99%, 14.99%, 18.99%|
|APR for Cash Advances||17.99%, 19.99%, 23.99% (including Convenience Checks)|
|Penalty APR and When It Applies||
17.99%, 19.99%, 23.99%
The Penalty APR is applied if your account becomes delinquent 60 days.
How long will the Penalty APR Apply? The Penalty Annual Percentage Rate will apply until you make six consecutive minimum payments when due.
|Paying Interest||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (excluding Cash Advances and Convenience Checks) if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||NONE|
|For Credit Card Tips from Federal Reserve Board||To learn more about factors to consider when applying for or using a credit card, visit the website of the federal board at https://www.federalreserve.gov/CreditCard|
|• Cash Advances||2% of the amount advanced|
|• Convenience Checks||2% of the check amount|
|• Balance Transfers||3% of the amount transferred|
|• International Transaction||May be subject to applicable currency exchange fees through your Visa carrier|
|• Late Payment Fee||Up to $35|
|• Returned Payment Fee||Up to $35|
|• Overlimit Fee||Up to $35 (if opted-in)|
|• Expedited Card Issuance||$15|
|• Replacement Card Fee||$35|
The above disclosures are accurate at the date of printing (September 27, 2022). For changes that may have been made after printing, please call 870-612-3400 or 1-888-780-8391.