AAAS FREE TRIP TERMS
|Important Visa Disclosure and Credit Information|
Interest Rates and Interest Charges
|Annual Percentage Rate (APR)* For Purchases||
6-month introductory APR is 0%.
It is thereafter 9.9% – 17.99% APR* based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
|APR For Balance Transfers||Balance Transfers made by the expiration date shown on the front of this letter, will have a 6.9% Fixed APR (based on your pre-approved offer). For balances transferred after that date, your APR will be your current Purchase APR, 9.9% to 17.99%. This APR will vary with the market based on the Prime Rate.|
|APR For Cash Advances||
11.9% - 17.99%
This APR will vary with the market based on the Prime Rate.
|Penalty APR and When it Applies||
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.|
|Minimum Interest Charge||None|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To 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.|
Balance Transfer: None
Cash Advance: 3% of advance ($5 minimum)
Foreign Transactions: 1% of transaction amount
Late Payment: Up to $35 (Charged if minimum payment is not received by the due date.)
Over-the-Credit Limit: None
Returned Payment: Up to $35
Card Replacement: None (Platinum Rewards);
The minimum monthly payment is 3% of your total new balance, or $25, whichever is greater.
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights, is provided in your Account Agreement.