Variable Rate Information

Your ANNUAL PERCENTAGE RATE may vary. The rate is Prime* plus a margin.

Grace Period for Repayment of the Balance for Purchases

You have 25 days from the closing date to repay your balance before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases

Average daily balance method (including current transactions)

Non-Sufficient Funds (NSF) Fee

$28.00 NSF Fee if your check, automatic payment, or other payment instrument is returned for non-sufficient funds.
Business VISA® Platinum: $35.00

Minimum Finance Charge

$0.00

Fee for Exceeding your Credit Limit

$30.00 each month you are 5% or more over your authorized credit limit.
Business VISA® Platinum: $35.00

VISA® Platinum Elite Rewards

$30.00 late fee if payment is not made on or before the first statement date following the payment due date on your monthly statement.

Business VISA® Platinum Rewards

$30.00 late fee if payment is received 10 days after payment is due.

VISA® Platinum Elite Rewards

$0.00

Business VISA® Platinum Rewards

$50.00

*  Variable Rate is based on Prime Rate + a margin.

Your ANNUAL PERCENTAGE RATE may vary quarterly based on the Prime Rate reported in the "Money Rates" column of the Wall Street Journal on the third Tuesday of March, June, September, and December plus a margin. Any increase or decrease in the ANNUAL PERCENTAGE RATE will be effective on the first day of the billing period following the month in which the rate is calculated. The margin will be based on your credit score, which will place you in one of five tiers. The table set forth below shows the margin that applies to each of the five tiers. The credit score will be reviewed annually in the month of April and based on your credit profile and our current policies, the new rate at that time will go into effect on the day after your June cycle closing date. For our Visa® Platinum Accounts, current ANNUAL PERCENTAGE RATES range from 8.90% (which is the minimum rate) to 25.00% (which is the maximum rate) with corresponding monthly periodic rates of 0.741% to 2.083%. For our Visa® Platinum Rewards Accounts, current ANNUAL PERCENTAGE RATES range from 10.90% (which is the minimum rate) to 25.00% (which is the maximum rate) with corresponding monthly periodic rates of 0.908% to 2.083%. Your initial ANNUAL PERCENTAGE RATE will be specified in a document that is part of this Agreement and is provided when your Account is opened.