Consumer Rewards Credit Card
Disclosure
| Interest Rates and Interest Charges | |
| ANNUAL PERCENTAGE RATE (APR) for Purchases | 13.90% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 13.90% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances |
13.90%
This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When It Applies |
NONE |
| How to Avoid Paying Interest on Purchases | Your due date is at least 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. |
| Minimum Interest Charge |
If you are charged interest, the charge will be no less than $0.01. |
| 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/ |
| Fees | |
| Annual Fee: | NONE |
| Transaction Fees: | |
|
There is no fee.
|
|
There is no fee. |
|
There is no fee. |
| Penalty Fees: | |
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Up to $15.00 |
|
There is no fee. |
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There is no fee. |
| Other Fees: | |
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$5.00 |
How We Will Calculate Your Balance: We use a method called “average daily balance.” See your account agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
*If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due.
How We Will Calculate Your Variable APRs: Except for any introductory Annual Percentage Rate, (“APR”), the APR for purchases, cash advances, and balance transfers is subject to change based on the U.S. Prime Rate (“Prime Rate”) as published in the Money Rates table of the Wall Street Journal that is in effect on the last day of the month. If the Prime Rate changes, we will change any variable rates on the first business day of the month, but at least twenty-eight (28) days after the published change of rate.