Interest Rates & Interest Charges

VISA Gold

Annual Percentage Rate (APR) for Purchases 8.00% to 12.50%
Non Variable APR Based Upon your Credit Worthiness
APR for Balance Transfers 8.00% to 12.50%
Non Variable APR Based Upon your Credit Worthiness
APR for Cash Advances 8.00% to 12.50%
Non Variable APR Based Upon your Credit Worthiness
Penalty APR and When it Applies NONE
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 (Grace Period) each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at www.consumerfinance.gov/learnmore


Fees

VISA Gold

Annual Fee NONE
Additional Card Fee $0.00 annually (if applicable)
TRANSACTION FEES
Balance Transfer $0.00
Cash Advances $0.00
Foreign Transaction 1.0% of each transaction in U.S. dollars
PENALTY FEES
Late Payment Up to $20.00
Over-the-Credit-Limit None
Returned Payment Up to $25.00
Other Fees None


The information about the costs of the card described in this application is accurate as of October 2009. This information may have changed after that date. To find out what may have changed, write us at P.O. Box 2121 Waterbury CT 06722.

How We Will calculate Your Balance: We use a method called "average daily balance" (including new purchases).* An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.