Annual Fee

NONE

Periodic Rate of Finance Charge

The Monthly Periodic Rate of Finance Charge on portions of your Account will be determined in accordance with either a fixed rate plan or a variable rate plan. Introductory Rates may be used from time to time. Purchases on your Account are charged a variable ANNUAL PERCENTAGE RATE (“Variable APR”). The “Periodic Rate” for any given billing cycle shall be calculated in accordance with the following formula: (Annual Percentage Rate/365) x (Number of days in billing cycle) = Periodic Rate. For complete details on the Periodic Rate of Finance Charge click here.

Grace Period on Purchases

25 calendar days.

Minimum Finance Charge

$.50

Transaction Fees

Cash Advance -  3% of the transaction amount (minimum $10).
Over the Credit Limit Fee - $25.
Dishonored Payment Fee - $25 (except in Maryland).
Late Payment Fee - $25.
Alternative Payment Method - $10 for any payment you make via the Automated Response Unit. $15 fee for phone payment with a customer service representative.
Balance Transfer Fee - 3% of the amount of the Balance Transfer (minimum $10, maximum $75).

Note: These terms and conditions are current as of May 2008. For complete terms and conditions, click here.