picture of schumer box: interest rates and interest charges: 1. annual percentage rate (APR) for purchases- 8.99%, 10.99%, or 12.99% introductory APR for one year, based on your creditworthiness. After that, you APR will be 14.99%. This APR will vary with the market based on the prime rate. 2. APR for balance transfers-15.99% This APR will vary with the market based ont he prime rate. 3. APR for cash advances-21.99% This APR will vary with the market based on the prime rate. 4. Penalty APR and when it applies-28.99% This APR may be applied to your account if you: 1. make a late payment 2. go voer your credit limit 3. make a payment that is returned; or 5. do any of the above on another account that you have with us. How long will the penalty APR apply? If your APRs are incresed for any of these reasons, the Penalty APR will apply until you make six consecutive minium payments when due. 5. How to avoid paying interest on purchases-your due date is at least 25 days after the close of each billing cucle. we will not charge you any interest on purchases if you pay your entrie balance