APRs & Fees
Information on how we determine APRs, as well as any fees that might apply on the account. For a list of sample APRs and fees, please see the Pricing Schedule.
You can log in to the Account Center to view current APRs on your account. Or you can request your Cardmember Agreement by mail. Once you receive it, you can find your APRs and Fees in the Pricing Schedule. Please note that the APRs and fees included within this Pricing Schedule are for illustrative purposes only.
Your Pricing Schedule may include variable APRs. These APRs are determined by adding the number of percentage points that we specify to the Prime Rate. Variable APRs will increase or decrease when the Prime Rate changes. The APR change will take effect on the first day of the billing period that begins during the same calendar month that the Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.
- A Late Fee is charged when you don't pay your Minimum Payment Due by the Payment Due Date
- A Returned Payment Fee is charged when your payment isn't honored by your bank
We will not charge a Late Fee the first time you do not make the Minimum Payment Due by the Payment Due Date. After that, if you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is $27 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $37. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed.
Returned Payment Fee
If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we re-submit it. The fee is $27 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $37. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us.