Citizens Trust Bank VISAŽ GOLD Credit Card Rates and Fees

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0%Introductory APR for the first 12 months.

 

After that, your APR will be 7.25%. This APR will vary with the market based
on the Prime Rate.

APR for Balance Transfers

0%Introductory APR for the first 12 months. All Balance Transfers must be
completed within 30-days of Account Opening Date.

 

After that, your APR will be 7.25%. This APR will vary with the market based
on the Prime Rate.

APR for Cash Advances

7.25%

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

 

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. We will begin charging interest on cash advances and balance transfers on the
transaction date.

Minimum Interest Charge

 

If you are charged interest, the charge will be no less than $1.50.

 

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

 

Fees

Annual Fee

 

None.

 

Transaction Fees

 

  • Balance Transfer

 

  • Cash Advance

 

  • Foreign Transaction

 

 

 

Either $5 or 4% of transfer amount of each transfer, whichever is greater.

 

Either $5 or 4% of transfer amount of each transfer, whichever is greater.

 

There is not a foreign transaction fee for this card.

 

Penalty Fees

  • Late Payment Fees

 

  • Over-the-Credit Limit

 

  • Returned Payment


Up to $30.00

 

Up to $30.00

 

Up to $32.00

Other Fees

  • Statement Reprint
    Fee

 

  • Card Replacement
    Fee

$15 per statement

 


$15 per card replaced within 12 month period


How We Will Calculate Your Balance: We use a method called “average daily balance (including new
purchases).” See your account agreement for more details.

 

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late
payment

 

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

 

The information contained in this disclosure is updated regularly, but may have changed since the last
publication. To determine what provisions may have changed, you may write to us at Citizens Trust Bank,
Attention: Loan Administration Department, P.O. Box 4485, Atlanta, Georgia 30302 or call us at our toll free
number 1-888-214-3099.

 

I understand the Credit Card Terms and Conditions