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Important Credit Card Disclosures

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 5/1/2019 . You can contact us toll free at (800) 426-5241 or 2019 Grant St., Bettendorf, IA 52722 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases & Cash Advances9.88% - 17.88% depending on your credit history.
APR for Balance Transfers

2.99% Introductory APR for six months.

After that, your Standard APR will be 9.88% - 17.88% depending on your credit history.

Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
Grace Period for Credit Card PurchasesTake up to 25 days to repay your balance before incurring a finance charge, providing balance is paid in full.

 

 

FEES:

Fees to Open or Maintain your Account

  • Annual Fee:
  • Application Fee:

 

None

None

Transaction Fees

  • Balance Transfer:
  • Cash Advance:
  • Foreign Transaction:

 

 

 

 

None

None

1% of each transaction in U.S. dollars if the transaction involves a currency conversion

0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

Penalty Fees

  • Late Payment:
  • Over-the-Credit Limit:
  • Returned Payment:

 

Up to $28.00 if your payment is late 10 days or more
None
Up to $28.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.