which is charged to the borrower's account once per month, once every six months, once per year, once every two year.

This fee is or is not charged if you take a cash advance during the six-month introductory period.

This fee is or is not charged if you transfer balances from another credit account to this credit card during the six-month introductory period.

4. Types of credit card fees - Annual fees, transaction fees,late-payment fees, bounced-check fees, and over-the-limit fees A credit card account may have many types of fees. Common types of fees include the annual fee, the transaction fee, the late-payment fee, bounced-check fee, and the over-the-limit fee. These fees must be disclosed to applicants before they sign up for a credit card. Fees are usua disclosed in a credit card disclosure box, similar to the following sample. When applying for a credit card account, try to obtain an account with the lowest possible rates and fees. In addition, you can avoid many of the f by making your payments on time, meeting all terms of the credit agreement, and staying within the allowed credit limit. Review the following sample credit card disclosure box. Then answer the questions that follow. Details of Rates, Fees, and Other Cost Information Miscellaneous fees Transaction fee for cash advances: 4% of the amount of the transaction but not less than $15 Transaction fee for balance transfers: 4% of the amount of the transfer but not less than $45. There is no balance transfer fee during the six-month introductory period. Late fee: $12 on balances up to $500;$30 on balances over $500 Over-the-limit fee: $30 Bounced-check fee: $30 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 $ . This fee 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