Interest Rates and Interest
Charges
Annual Percentage Rate (APR)
for purchases
APR for Balance Transfer
APR for Cash Advances
Penalty APR and When It Applies
Visa® Business Rewards
10.99% - 18.00% when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.
12.99% - 18.00% Your APR will vary based on your creditworthiness. This APR will vary
with the market based on the Prime Rate.
12.99% - 18.00% Your APR will vary based on your creditworthiness. This APR will vary
with the market based on the Prime Rate.
17.99%
This APR may be applied to your account if:
1. Your account becomes twice thirty-five (35) days past due in any twelve (12) month
period; or
2. Your account becomes ninety (90) days past due.
Paying Interest
Minimum Interest Charge
For Credit Card Tips from the
Federal Reserve
Fees
Annual Fee
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction
Penalty Fees
Late Payment
Returned Payment
How Long Will the Penalty APR Apply?: The Penalty Rate will continue to apply until we
have received six (6) monthly payments on your account on time.
Your due date is at least twenty-five (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
each month We will begin charging interest on cash advances and balances transfers on the
transaction date.
$0
To learn more about factors to consider when applying for or using a credit card, visit the
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
$0
$0
2.5% of advance with a minimum of $4 and a maximum $300
1% of each transaction in U.S. dollars
$10 if minimum payment is not paid within 10 days after the payment due date.
$28 (returned check)
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The above information is current as of 7/1/10 and is subject to change. Please contact us at (650) 363-1725 for more information.