VISA Classic Credit Card Program
This Program Provides a Credit Limit of Less than $5,000

VISA Classic
Interest Rates and Charges
Annual Percentage Rate (APR)
for Purchases and Cash Advances

9.50% - 12.50% - 15.50%

Variable*  Based on Your Creditworthiness
*This APR will vary with the market based on the Prime Rate1
How to Avoid Paying Interest on Purchases Your Due Date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.
How to Avoid Paying Interest on Cash Advances Cash Advance transactions accrue interest upon posting on your account. We will begin charging interest on cash advances on the transaction date.
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 Fee $15.00
Transaction Fees  
  • Cash Advance Fee
    		•  2% of the Cash Advance Amount
  • Duplicate Merchant Sales Slip
    		•  $5.00
  • Duplicate Copy of Billing Statement
    		•  $1.00
  • Replacement Card
    		•  $5.00 (in excess of 1 per year)
  • Expedited Telephone Payment
    		•  $5.00 (for each payment initiated through the 24x7 Cardholder Service)
  • Stop Payment Fee
    		•  $28.00
    Penalty Fees You have 25 days to repay your balance before a finance charge on purchases is imposed. Cash advance transactions accrue finance charges upon posting to account.
  • Late Payment Fee
    		•  $25.00 (5 days past the Due Date)
  • Return Check Fee
    		•  $25.00
    How We Will Calculate Your Balance: We use a method called “average daily balance” for both purchases and cash advances (including new transactions). See the Cardholder Agreement for more details.

    Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2010. Variable rates are subject to change on the first day of each calendar quarter (January, April, July, October).

    1 We add 6.25% to the Prime Rate to determine the APR for A, B, & C credit; 9.25% to the Prime Rate to determine the APR for D credit; and 12.25% to the Prime Rate to determine the APR for E credit. To receive A, B, or C credit APR you need a credit score of 660 or higher; for D credit APR you need a credit score of 620 – 659; for E credit APR you need a credit score of 619 or lower. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.