Citizens Trust Bank VISA® Classic Secured Credit Card Rates and Fees
|
11.25% This APR will vary with the market based on the Prime Rate |
|
|
APR for Balance Transfers |
11.25% This APR will vary with the market based on the Prime Rate. |
|
APR for Cash Advances |
11.25% This APR will vary with the market based on the Prime Rate. |
|
Penalty APR and When It Applies
|
21.00% This APR may be applied to your account if you make a late payment
How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. |
|
How to Avoid Paying Interest on Purchases Paying Interest
|
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
|
If you are charged interest, the charge will be no less than $1.50.
|
|
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
|
There is no balance transfer fee assessed
$1.50 is the amount of each cash advance
There is not a foreign transaction fee for this card
|
|
Penalty Fees
|
Up to $35.00
Up to $35.00
Up to $35.00
|
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
|