Important Disclosures


RATES AND FEES TABLE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

12.99%, 16.99%, or 20.99%, based on your creditworthiness.
This APR will vary with the market based on LIBOR.*

APR for Balance Transfers

0.00% introductory APR for the first eighteen billing cycles from date of account opening.
After that, your APR will be 12.99%, 16.99% or 20.99%, based on your creditworthiness. This APR will vary with the market based on LIBOR.*

APR for Cash Advances

23.24%.
This APR will vary with the market based on LIBOR.*

Penalty APR and When it Applies

Up to 29.99%


This APR may be applied to your account if you:
(1) Fail to make the minimum payment by the payment due date;
(2) Exceed your Cash Advance Limit or your Total Credit Limit; or
(3) Make a payment that is returned or dishonored.


How Long Will the Penalty APR Apply? If your APRs are increased due to any default (as described above), the Penalty APR may apply indefinitely.

Paying Interest

Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date of each month. You will pay interest on Cash Advances, Balance Transfers and Convenience Checks from 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

Either $10 or 3% of the amount of each transfer, whichever is greater.

·Cash Advance

Cash Loans, ATM Loans, and Convenience Check Loans: Either $10 or up to 3% of the amount of each advance, whichever is greater.

Cash Equivalent Transactions: Either $20 or 5% of the amount of each advance, whichever is greater.

·Foreign Transaction Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater.
Penalty Fees  
·Late Payment Up to $38
·Returned Payment None
·Over-the-Credit Limit None

How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)."See Cardholder 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.

*Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 11.49, 15.49, or 19.49 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.

The information about the costs of the card described in this application is accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#. This information may have changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write to us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut 06601.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Military Lending Act Information: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear the Military Lending Act Information, call 866-999-6336.

Notice to New York Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports. New York residents may contact the New York State Department of Financial Services by telephone at 1-877-226-5697 or visit its website at http://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No agreement, court order, or individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or complete information about, the agreement, order, or statement or unless we have actual notice of it.

AGREEMENT: You understand that your account will be governed by the Agreement that will be sent with your credit card. You authorize the issuer of your credit card, identified below, to obtain copies of your consumer report to service your account, manage your account relationship, or for any other legitimate business purpose.

We may try to contact you to confirm your acceptance of the account. If we are unable to contact you, the account may not be opened.

This credit card is issued by Citizens Bank, N.A.