How Do You Calculate My Balance?
We use a method called “average daily balance (including new transactions).” See “How Do You Calculate The Interest Charge?” section below.
What Are My Billing Rights?
Information on your rights to dispute transactions and how to exercise those rights is provided in the “Your Billing Rights” section in the below Additional Disclosures.
Are There Any Other Penalty Fees Associated With This Card That Are Not Listed In The Box Above?
No. There are no additional Penalty Fees associated with this card.
What Should I Put For Total Annual Income?
You may include personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividends, retirement, and public assistance. You may also include shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else’s income that is regularly used to pay your expenses.
What Will My APR Be If I Transfer A Balance?
Any balances you transfer will receive a Transfer APR and post to your account's Purchase segment. Any balances transferred after that date will receive a Purchase APR and post to the Purchase segment of your account unless the transfer is made in connection with a future offer from us.
Can You Change My APRs?
While a late payment won’t cause your APR to increase, in the future, we may increase your APRs if market conditions change. If we increase your APRs for any reason other than an increase in the Prime Rate, the new APRs will apply only to new transactions you make after we notify you of the change in writing.
Can You Change My Account Terms?
We can change the terms of your account as permitted by law. When required, we will send you notice before doing so.
How Do You Calculate My Variable Rates?
Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition.
Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods:
Purchase APR: Prime plus 23.74%;
Transfer APR: Prime plus 23.74%;
Cash Advance APR: Prime plus 23.74%.
Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.
How Do You Determine My Credit Line?
We will determine your credit line after a review of your application and your ability to pay. If your application is approved, the minimum credit line you will receive is $300.
What Are The Daily Periodic Rates Used To Calculate My Interest?
The daily periodic rate for your
Purchase APR is 0.07395%,
Transfer APR is 0.07395%,
and Cash Advance APR is 0.07395%.
See “How Do You Calculate The Interest Charge?” section in the below Additional Disclosures.
How Do You Calculate My Minimum Payment?
If your balance is less than $25, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of $25 or 1% of your balance plus new interest and late payment fees. We will also add any past due amount to your minimum payment. If your Account charges off, the entire balance is due immediately.
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