How Long Will the Penalty APR Apply? it the penalty APPA is applied. the Penality APF may apply indetinitely. Transaction Fees Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater Cash Advance Either $10 or 5% of the amount of each cash advance, whichever : greater. How Long Will the Penalty APR Apply? it the penalty APPA is applied. the Penality APF may apply indetinitely. Transaction Fees Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater Cash Advance Either $10 or 5% of the amount of each cash advance, whichever : greater