| VISA Card Rates and Terms | | Rates last updated 8/27/2008 8:03:42 AM. They are subject to change without notice. |
| |
| | | | | |
| APR |
|
9.90% Fixed |
14.80% Fixed |
9.99% or 13.99%*** (as of 12/1/06) |
9.99% or 13.99%*** (as of 12/1/06) |
|
| Variable Rate |
|
n/a |
n/a |
3.49%+Prime or 7.49% + Prime*** |
3.49%+Prime or 7.49% + Prime*** |
|
| Balance Transfer Rate |
|
Same as Purchase |
Same as Purchase |
Same as Purchase |
Same as Purchase |
|
| Cash Advance Rate |
|
9.90% |
14.80% |
10.49 + Prime 15.99% (as of 2/1/05) |
10.49 + Prime 15.99% (as of 2/1/05) |
|
| Slow Payment Rate** |
|
17.90% |
none |
18.00% |
18.00% |
|
| Balance Calculation Method |
|
Avg Daily Balance
(Incl. New Purchases) |
Avg Daily Balance
(Incl. New Purchases) |
Avg Daily Balance
(Incl. New Purchases) |
Avg Daily Balance
(Incl. New Purchases) |
|
| Cash Advance Fee |
|
2% of the advance amount
($1 min., $5 max.) |
none |
2% of the advance amount
($1 min., $5 max.) |
2% of the advance amount
($1 min., $5 max.) |
|
| Late Payment Fee |
|
$25 |
$25 |
$30 |
$30 |
|
| Over Credit Limit Fee |
|
$25 |
$25 |
$25 |
$25 |
|
*Other Misc Fees: Replacement Fee $5, Documentation Fee $2, Account Research Fee: $25 per hour.
**Rate will take effect if you are ever 30 or more days past due on making your payment.
ESI
EHL
