Visa® Classic Detail of Rate, Fee and Other Cost Information
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||12.99%|
|APR for Cash Advances||12.99%|
|How to Avoid Paying Interest on Purchases||Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $0.50.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.|
|Cash Advance||Either $5 or 3.5% of the amount of each cash advance, whichever is greater.|
How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."
New York Residents: For more information call us at 800-968-8008. You may contact the New York State Department of Financial Services at 800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the highest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.
You have obtained a cash advance if you use your Account to obtain cash from an ATM, financial institution, or other location; use a convenience check; purchase items that are convertible to cash, such as lottery tickets, money orders, casino chips, foreign currency, or similar items.