INTEREST RATES AND INTEREST CHARGES |
|
Annual Percentage Rate |
None |
Penalty APR and when it applies |
None |
How to avoid paying interest on purchases |
N/A. No interest is Charged |
Credit Card tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card or other financial products, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Fees |
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|
Penalty Fees |
Late fees vary by state. Please consult the table below to find your state of residence and applicable late fee. |
How We Will Calculate Your Balance: We use a method called the Adjusted Balance. This balance is figured by deducting payments and credits made during the billing cycle from the outstanding balance at the beginning of the billing cycle.
Billing Rights: Refer to your Installment Agreement for information on billing error rights.
Late Payment Fee Table
| State Name | Abbreviation | Late Fee |
| Alabama | AL | $8 |
| Alaska | AK | 10% |
| Arizona | AZ | 5% |
| Arkansas | AR | $8 |
| California | CA | $8 |
| Colorado | CO | $8 |
| Connecticut | CT | 5% |
| Delaware | DE | $8 |
| District of Columbia | DC | 5% |
| Florida | FL | $7.50 |
| Georgia | GA | $8 |
| Hawaii | HI | $0 |
| Idaho | ID | $8 |
| Illinois | IL | 5% |
| Indiana | IN | $0 |
| Iowa | IA | $8 |
| Kansas | KS | $5 |
| Kentucky | KY | 2% |
| Louisiana | LA | $8 |
| Maine | ME | $0 |
| Maryland | MD | $0 |
| Massachusetts | MA | 5% |
| Michigan | MI | $8 |
| Minnesota | MN | $8 |
| Mississippi | MS | $0 |
| Missouri | MO | $0 |
| Montana | MT | $0 |
| Nebraska | NE | 5% |
| Nevada | NV | $8 |
| New Hampshire | NH | 5% |
| New Jersey | NJ | $0 |
| New Mexico | NM | 5% |
| New York | NY | 5% |
| North Carolina | NC | $0 |
| North Dakota | ND | $0 |
| Ohio | OH | $0 |
| Oklahoma | OK | $5 |
| Oregon | OR | $0 |
| Pennsylvania | PA | $1 |
| Rhode Island | RI | $0 |
| South Carolina | SC | $5 |
| South Dakota | SD | $8 |
| Tennessee | TN | $8 |
| Texas | TX | $7.50 |
| Utah | UT | $8 |
| Vermont | VT | $8 |
| Virginia | VA | 5% |
| Washington | WA | 10% |
| West Virginia | WV | 5% |
| Wisconsin | WI | $0 |
| Wyoming | WY | $8 |
An applicant, if married, may apply for a separate account.
New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court order applying to marital property will adversely affect a creditor's interests unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse.
