Personal Scorecard Credit Card


Interest Rate and Interest Charges

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Annual Percentage Rate (APR) for Purchases
9.50%

Standard APR based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

0%

Introductory rate for 6 months from the date your account is opened.

APR for Balance Transfers
9.50%

Standard APR based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

0%

Introductory rate for 6 months from the date your account is opened.

APR for Cash Advances
9.50%

Standard APR based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

0%

Introductory rate for 6 months from the date your account is opened.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.
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 http://www.consumerfinance.gov/learnmore
 

Fees

Annual Fees None
Transaction Fees
Balance Transfer Fees None
Cash Advance Fee None
Foreign Transaction 1.00% of each transaction in U.S. dollars
Penalty Fees  
Late Payment $15.00
Returned Payment $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance.


Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.


Prime Rate: Variable APRs are based on the 4.50% Prime Rate as of 1/1/18.


Margin: We add 5% to the Prime Rate to determine the Purchase, Balance Transfer and Cash Advance APR.