| Annual Percentage Rate (APR) for purchases |
| Elite and Premium Pricing:a A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, 10.24% variableb for Elite Pricing, or 14.24% variable for Premium Pricing. Standard Pricing: From account opening, 21.24% variable. |
| Other APRs |
| Balance Transfer APR: Elite and Premium Pricing:a A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, 10.24% variable for Elite Pricing, or 14.24% variable for Premium Pricing. Standard Pricing: A 0% fixed APR for the first 3 billing cycles following the opening of your account. After that, 21.24% variable. Cash Advance APR: Elite and Premium Pricing: 22.24% variable. Standard Pricing: 21.99% variable. Default APR: 30.24% variable. See explanation below.c Overdraft Advance APR: 13.99% fixed (not available in some states) |
| Variable rate information |
| The following APRs may vary monthly based on the Prime Rate:d Purchase APR: Elite and Premium Pricing: The Prime Rate plus 3.99% for Elite Pricing, or plus 7.99% for Premium Pricing for outstanding and new balances after the introductory period. Standard Pricing: The Prime Rate plus 14.99%. Balance Transfer APR: Elite and Premium Pricing: The Prime Rate plus 3.99% for Elite Pricing, or plus 7.99% for Premium Pricing for outstanding and new balances after the introductory period. Standard Pricing: The Prime Rate plus 14.99% for outstanding and new balances after the introductory period. Cash Advance APR: Elite and Premium Pricing: The Prime Rate plus 15.99%. Standard Pricing: The Prime Rate plus 15.99%. Default APR: The Prime Rate plus up to 23.99%.e |
| Grace period for repayment of purchase balances |
| At least 20 days |
| Method of computing the balance for purchases |
| Two-cycle average daily balance method (including new purchases). |
| Annual fee |
| None |
| Minimum finance charge |
| $1.00 |
| Transaction fee for balance transfers/convenience checks |
| 3% of the amount of each transaction, but not less than $5.00 nor more than $75.00. |
| Transaction fees for cash advances |
| All cash advances: 3% of the amount of the advance, but not less than $10.00. |
| Other fees |
| Late Payment fee: $15.00 if the balance is up to but not including $250.00; $39.00 if the balance is $250.00 and over. Over-the-Credit-Limit fee: $35.00 International Transactions: 3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. |
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aYou agree that we will consider your response for an Elite Pricing account and that we reserve the right, based upon our evaluation of information furnished by you or others, to open a Premium Pricing account or a Standard Pricing account, or not to open any account.
bYou understand that the terms of your account, including the APRs, are subject to change. This means that the APRs for this offer are not guaranteed; APRs may change to higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. We reserve the right to change the terms (including the APRs) at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account. Any changes will be in accordance with your Cardmember Agreement. cYour APRs may increase if you default under any Cardmember Agreement you have with us for any of the following reasons: We do not receive, for any payment that is owed on this Account or any other account or loan with us, at least the minimum payment due by the date and time due; you exceed your credit line on this Account, if applicable; you fail to make payment to another creditor when due; you make a payment to us that is not honored by your bank; or, if at any time after your Account is closed, we demand immediate payment of your outstanding balance and we do not receive payment within the time we specify.
dThe “Prime Rate” is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Variable APRs above are based on the 6.25% prime rate on 07/18/2005.
eWe may consider the following factors to determine the default rate: the length of time your Account has been open; the existence, seriousness and timing of defaults; other indications of your Account usage and performance; and information about your other relationships with us, any of our related companies or from consumer credit reports.
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Chase Platinum
