1. The annual percentage rate (APR) for this credit card is 14.99%.
2. The annual percentage rate (APR) for card advances is 22.99%.
3. The three things that would move the APR for the balance on this credit card to 28.99% are Late payment, going over the stated credit limit, and making an account payment that is returned.
4. The annual fee charged that customers are charged for holding the credit card is $75.
5. If you decide to transfer the balance from another credit card to this credit card, the fee charged would be $5 or 3% of the transferred amount, not exceeding $100.
6. The APR charged for a balance transfer is 17.99%.
7. The fee for a cash advance is $5 or 3% of the amount of cash advance taken - whichever amount is greater.
8. If you use this credit card in a foreign country, the fee on each transaction is 2% of the amount charged (in US dollars).
9. A late fee of $25 will be charged to an account with a balance of $999 or less. If the account balance is over $1000 the late fee of $35 will be charged and the APR will increase to 28.99%.
10. A fee of $29 is charged for accounts that exceed the credit limit in addition to the APR increased to 28.99%.
The annual percentage rate (APR) represents the cost of borrowing on an annualized basis.
When the APR is divided by 12, it is known as the MPR (monthly percentage rate). We also have the daily percentage rate (which is the APR/365).