VISA Credit Card Disclosures
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances

Platinum:7.99%

Secured:14.99%

Traditional: 8.99% to 14.99% when you open your account. based on your creditworthiness.

Traditional Rewards: 9.99% to 15.99% when you open your account. based on your creditworthiness.
Penatly APR and When it applies

Platinum:9.99%*

Secured:17.99%*

Traditional: 11.99% to 17.99% when you open your account. based on your creditworthiness.

Traditional Rewards: 11.99% to 17.99%* when you open your account. based on your creditworthiness.

* This APR may be applied to your account if you:

1. Make a late payment;
2. Go over your credit limit twice in a six
month period;
3. Make a payment that is returned; or
4. Do any of the above on another account
that you have with us.

How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penatly APR will apply until you make six consecutive minimum payments when due.
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 any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
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 website of the Federal Reserve Board at

http://www.federalreserve.gov/creditcard
Fees
Annual Fee None
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction
None
None
None
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction
$15.00
$10.00
$25.00

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

The information about the costs of the cards described on this webpage are accurate as of July 1, 2010. This information may have changed after that date. To find out what may have changed, call us at (213) 830-4100 or write us at P.O. Box 54124, Los Angeles, CA 90054.

APR = Annual Percentage Rate. All loans subject to approved credit. Rates are subject to change. All loans are subject to credit approval.
4.50%
4.25%
(800) 954-BEAR (2327)   
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