As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. Annual Percentage Rate (APR) for The introductory rate (see notes below) is 3.99% until the first billing after the purchases six-month anniversary of opening the account. After that, your rate will be 10.99% (variable rate). Other APRs (all other APRs are variable) Balance transfers: The introductory rate is 0% until the first billing after the sixmonth anniversary of the opening of the account. After that, the rate will be 10.99%. Cash advances: 18.99\% Default rate: 28.99% (see notes below) Notes Introductory rate: Eligibility for the introductory rate is subject to your maintaining good credit. The rate indicated in this offer is subject to change to reflect changes in the prime rate (see below) at the time of your application. Default rate: All your APRs may increase if you default under any Card Agreement that you have with us, because you fail to make a payment to us when due, you exceed your credit limit, or you make a payment to us that is not honored. Factors considered when determining your default rate may include the length of time your account with us has been open; the existence, seriousness, and timing of defaults under any Card Agreement you have with us; or other indications of account usage and performance on this or any other account you have with us. Prime rate: The prime rate (currently 4% ) used to determine your APRs for each billing period is the U.S. prime rate published in the Wall Street Journal two business days prior to the billing date for that billing period. This credit card has an annual fee of $, which is charged to the borrower's account The transaction fee for cash advances is % of the amount of the advance, with a minimum fee of $ charged if you take a cash advance during the six-month introductory period. The transaction fee for balance transfers is % with a minimum fee of $. This fee charged if you transfer balances from another credit account to this credit card during the six-month introductory period. If you make a payment by check and your check bounces, then you are charged a bounced-check fee of $ If you make a late payment on the account, then you are assessed a late-payment fee. If you make a late payment with an account balance up to $500, then the late-payment fee is $ . However, if you make a late payment with an account balance greater than $500, then the latepayment fee is $ If your balance exceeds the credit limit on the account (by either making excessive purchases or fees charged to the account), then you are assessed an over-the-limit fee of $ each month that the balance exceeds the credit limit. As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. Annual Percentage Rate (APR) for The introductory rate (see notes below) is 3.99% until the first billing after the purchases six-month anniversary of opening the account. After that, your rate will be 10.99% (variable rate). Other APRs (all other APRs are variable) Balance transfers: The introductory rate is 0% until the first billing after the sixmonth anniversary of the opening of the account. After that, the rate will be 10.99%. Cash advances: 18.99\% Default rate: 28.99% (see notes below) Notes Introductory rate: Eligibility for the introductory rate is subject to your maintaining good credit. The rate indicated in this offer is subject to change to reflect changes in the prime rate (see below) at the time of your application. Default rate: All your APRs may increase if you default under any Card Agreement that you have with us, because you fail to make a payment to us when due, you exceed your credit limit, or you make a payment to us that is not honored. Factors considered when determining your default rate may include the length of time your account with us has been open; the existence, seriousness, and timing of defaults under any Card Agreement you have with us; or other indications of account usage and performance on this or any other account you have with us. Prime rate: The prime rate (currently 4% ) used to determine your APRs for each billing period is the U.S. prime rate published in the Wall Street Journal two business days prior to the billing date for that billing period. This credit card has an annual fee of $, which is charged to the borrower's account The transaction fee for cash advances is % of the amount of the advance, with a minimum fee of $ charged if you take a cash advance during the six-month introductory period. The transaction fee for balance transfers is % with a minimum fee of $. This fee charged if you transfer balances from another credit account to this credit card during the six-month introductory period. If you make a payment by check and your check bounces, then you are charged a bounced-check fee of $ If you make a late payment on the account, then you are assessed a late-payment fee. If you make a late payment with an account balance up to $500, then the late-payment fee is $ . However, if you make a late payment with an account balance greater than $500, then the latepayment fee is $ If your balance exceeds the credit limit on the account (by either making excessive purchases or fees charged to the account), then you are assessed an over-the-limit fee of $ each month that the balance exceeds the credit limit