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What You Need to Know
Subject to credit approval. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a credit card product can improve your credit score. Default on a credit card, including missed or late payments can damage your credit score. Once added, funds cannot be withdrawn from the savings account without closing the savings account and the credit card.
25.99% Annual Percentage Rate (APR) for All Purchases, All Balance Transfers, All Cash Advances
Paying Interest - Your due date is at least 25 days after the close of each billing cycle. We will not impose interest charges on purchases or balance transfers if you pay your entire balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.
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
Annual fee: None.
Balance Transfer fee: None.
Cash Advance Fee: $5.00 or 2% of the amount advanced, whichever is greater.
Currency Conversion Transaction Fee: 1.0% of each transaction in US Dollars, if currency conversion occurs.
International Transaction Fee: 0.8% of each transaction in US dollars, if no currency conversion occurs.
Late Payment fee up to $25.00.
Return payment fee up to $25.00.
No over the limit fee.
Card replacement fee is $5.00 per card prior to the normal reissue date.
Copying fee is $4.00 per-page fee for copies of transaction documents or statements unless we are required to provide them when resolving a billing dispute.
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, "average daily balance (including new purchases and balance transfers)."
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. As you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your drivers license or other identifying documents. Legal Entities may be required to certify ownership and managerial control information.