credit card The fees and terms of this Agreement credit card bad credit

credit card The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. credit card bad credit If required by law, we will give you
advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law credit card bad credit.

credit card bad credit If your Account is a joint Account
• each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and
• any notice we mail to an address provided by either of you for the Account will serve as notice to both of you credit card bad credit


credit card bad credit We will not charge a Late Fee the first time you do not make the Minimum Payment credit card bad credit After that, if you do not pay the Minimum Payment
Due by the Payment Due Date, we will charge you a Late Fee. The fee is $27 if you
were not charged a Late Fee during credit card bad credit any of the prior six billing periods. Otherwise,
the fee is $37. This fee will never exceed the Minimum Paymen credit card bad credit

credit card bad credit $15, plus any of the following charges as shown on your billing statement:
fees for any debt protection product that you enrolled in on or after 2/1/2015;
Interest Charges; and Late Fees (not to exceed 4% of the New Balance).
The Minimum Payment Due may also include amounts by which you exceed your
Account credit line. credit card bad credit It will never exceed the New Balance. When we calculate the
Minimum Payment Due, we may subtract from the New Balance certain fees added
to your Account during the billing period. The Minimum Payment Due is rounded
up to the nearest dollar credit card bad credit.

credit card bad credit We calculate interest charges each billing period by first figuring the “daily balance”
for each Transaction Category. Transaction Categories include standard Purchases,
standard Cash Advances and different promotional balances, such as Balance Transfers.
How We Figure the Daily Balance for Each Transaction Category
credit card bad credit We start with the beginning balance for each day. The beginning balance for the
first day of the billing period is your balance on the last day of your previous billing period.
credit card bad credit We add any interest charges accrued on the previous day’s daily balance and any
new transactions and fees. We add any new transactions or fees as of the later of
the Transaction Date or the first day of the billing period in which the transaction or
fee posted to your Account.
credit card bad credit We subtract any new credits and payments.
• We make other adjustments (including those adjustments required in the “Paying
Interest” section) credit card.