| |
| APR (purchases) |
9.9
Fixed |
9.9 Fixed |
| APR Cash Advance |
19.74
Variable |
Cash Advance APR:
19.99% variable |
| Late Payment APR |
Late
twice in any six-month period: 19.99% fixed on all
balances. |
Late twice in any
six-month period: 19.99% variable on all balances.
|
| Variable Rate? |
Cash
Advance - Prime Rate* plus 14.99%. Varies Monthly |
The cash advance
APR and late payment APR vary monthly. They equal
the Prime Rate* plus 15.24% for cash advances; and
15.24% on all balances if late twice in six months,
but not less than 19.99% and 19.99% respectively.
|
| Grace Period |
At
least 20 days, but none for balance transfers or
convenience checks.
|
Same
|
| Computing Balance |
Two-cycle
average daily balance method (including new purchases).
|
Same |
| Annual Fee |
None |
None |
| Minimum Finance Charge |
$1.00 |
$1.00 |
| Transaction Fees
- purchase |
Purchase
of wire transfers or money orders; purchase of foreign
currency and travelers checks from other than a
bank; and use of convenience checks: 3% of the amount
of each purchase or check, but not less than $5.00
nor more than $50.00.
|
Purchase of wire
transfers or money orders; purchase of foreign currency
and travelers checks from other than a bank; and
use of convenience checks: 3% of the amount of each
purchase or check, but not less than $5.00 nor more
than $50.00.
|
| Transaction Fee -
Balance Transfers |
3%
of the amount of each balance transfer, but not
less than $5.00 nor more than $50.00.
|
3% of the amount
of each balance transfer, but not less than $5.00
nor more than $35.00.
|
| Transaction Fee -
Cash Advance |
ATM
cash advances: 3% of the amount of the advance,
but not less than $10.00. All other cash advances:
3% of the amount of the advance, but not less than
$15.00.
|
ATM cash advances:
3% of the amount of the advance, but not less than
$10.00. All other cash advances: 3% of the amount
of the advance, but not less than $15.00.
|
| Other fees |
Late
Payment Fee: $29.00 Over-the-Credit-Limit Fee: $29.00
|
Same |
| Other benefits |
Online
Bill Pay and Account information. |
Secure online banking
features. |
| Sign Up: |
Sign
Up for the The First USA Titanium Visa®
card. |
Sign
Up for the Bank One Platinum Visa® card.
|
