Which Credit Card Fits You?
Please note: The information about the costs of the cards described below is accurate as of May 1, 2008. This information may have changed after that date. To find out what may have changed, write to us at First Citizens, BankCard Division, P.O. Box 29, Columbia, SC 29202.
| Your Options | Annual Percentage Rate (APR) for Purchases | Other APRs | Variable Rate Information | Grace Period for Repayment of the Balance for Purchases | Method of Computing Balance for Purchases | Annual Fees | Minimum Finance Charge |
|---|---|---|---|---|---|---|---|
|
Visa® Gold Apply Now |
1.90% for six months, after that 9.90%* | APRs for Cash Advances and Balance Transfers: Same as for purchases | Your ANNUAL Percentage Rate may vary. The rate is determined by adding 4.90% to the "Prime Rate" or average Prime Rate if more than one.* | 25 days on average | Average daily balance (including new purchases) | NONE | NONE |
|
Visa® Platinum Apply Now |
0% for six months, after that 9.00%* | APRs for Cash Advances and Balance Transfers: Same as for purchases | Your ANNUAL Percentage Rate may vary. The rate is determined by adding 4.00% to the "Prime Rate" or average Prime Rate if more than one.* | 25 days on average | Average daily balance (including new purchases) | NONE | NONE |
|
Visa® Gold Bankmiles Apply Now |
11.50%* | APRs for Cash Advances and Balance Transfers: Same as for purchases | Your ANNUAL Percentage Rate may vary. The rate is determined by adding 6.50% to the "Prime Rate" or average Prime Rate if more than one.* | 25 days on average | Average daily balance (including new purchases) | $0 first year; thereafter $45 per year. | NONE |
|
Visa® Platinum Bankmiles Apply Now |
11.00%* | APRs for Cash Advances and Balance Transfers: Same as for purchases | Your ANNUAL Percentage Rate may vary. The rate is determined by adding 6.0% to the "Prime Rate" or average Prime Rate if more than one.* | 25 days on average | Average daily balance (including new purchases) | $0 first year; thereafter $45 per year. | NONE |
Credit Card Fees
- Transaction fee for cash advances: None
- Balance Transfer Fee: None
- Overlimit Fee: $10.00
- Late payment fee: minimum $6.20 or 5% of the unpaid payment amount, not to exceed $15.50. The amount of this late payment fee may increase, pursuant to S.C. Code Section 37-1-109.
* The Prime Rate used to determine your APR was 5.00% as of May 1, 2008. The Prime Rate or average Prime Rate (if more than one) used to determine your APR is the rate quoted in the "Money Rates" section in the Wall Street Journal on the 1st day of each month or the 1st business banking day following the 1st day of that month. The minimum APR, after the introductory period, if any, is 8.00%.
Other Charges
- Copies of Statements: $5.00
- Copies of Sales Drafts: $3.00 minimum with maximum up to actual cost of retrieval.