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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases 8.99% APR - 16.99% APR (rate determined by credit worthiness)
APR for Balance Transfers 8.99% APR - 16.99% APR (rate determined by credit worthiness)
APR for Cash Advances 8.99% APR - 16.99% APR (rate determined by credit worthiness)
Penalty APR and When it Applies None
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees
Annual Fee None
Transaction Fees  
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. dollars
Penalty Fees  
Late Payment $25 or amount of payment, whichever is less, if 5 days or more past due.
Over-the-Credit Limit None
Returned Payment $25 or amount of payment, whichever is less.

Use of Card - You agree not to make or permit to be made any illegal transactions on your Account through use a Card, a check or in any other manner. We may deny authorization for any Internet gambling transaction.

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