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1. Cardholder must meet these 3 conditions: 1. The cardholder must have exercised reasonable care in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have reported two or more incidents of unauthorized use within the preceding 12 months; 3. The account must be in good standing.
2. Platinum:
Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and
balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and
Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by
adding the margin applicable to the account to the WSJ Prime Rate. As of 05/1/08, the WSJ Prime Rate is
5.25%. APRs are competitive and range from 9.24% to 18.24%. Variable APR is determined based on a
review of the cardholder's application and credit history. Not everyone will qualify for the lowest
rate. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 05/1/08. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
3. Cash Rewards:
Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and
balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and
Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by
adding the margin applicable to the account to the WSJ Prime Rate. As of 05/1/08, the WSJ Prime Rate is
5.25%. APR is a competitive 14.24%. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of
05/1/08. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of
the total dollar amount, whichever is greater.
4. Business and Business Rewards:
Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and
balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and
Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by
adding the margin applicable to the account to the WSJ Prime Rate. As of 05/1/08, the WSJ Prime Rate is
5.25%. APRs are a competitive 11.24% for Business and 13.24% for Business Rewards. Cash Advance APR:
19.99% minimum; 24.99% maximum. 19.99% APR as of 05/1/08. Delinquency APR: 23.99%. Minimum finance
charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
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