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Intro APR: 0%
Annual Percentage Rate ("APR") for Purchases The standard APR, 13.99% or 15.99%*
Other APRs Balance Transfers: 0% until the last day of the billing period ending during January 2005**; thereafter the standard APR for purchases
Default Rate: 19.99% or 24.99%**
Cash Advances: 20.99% or 22.99%
Variable Rate Information Your standard APR for purchases may vary and is determined monthly by adding 9.99% or 11.99% to the Prime Rate.
Grace Period for Repayment of the Balance of Purchases At least 25 days when you pay your balance in full each month.
Method of Computing the Balance for Purchases Two-cycle Average Daily Balance (including new purchases).
Annual Fee: $29 Minimum Finance Charge: $.50
CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum. LATE FEES: $15 on balances up to $100; $25 on balances of $100 up to $1,000; $35 on balances of $1,000 and greater. OVERLIMIT FEE: $15 on balances $1,000 or less; $35 on balances greater than $1,000.
*You agree that if your application for The Miles Card with a minimum credit limit of $5,000 is not approved, your application will also constitute your request for The Miles Card with the higher APRs shown above and a lower credit limit.
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