Citizens Trust Bank VISAŽ SWAC Credit Card Rates and Fees

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers


This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies







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.

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.
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



Annual Fee




Transaction Fees


  • Balance Transfer


  • Cash Advance


  • Foreign Transaction




There is no balance transfer fee for this card


$1.50 is the amount of each cash advance


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


  • Card Replacement

$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.


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