Berkshire Municipal Bank Young Adult Visa Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

17.74

17.74%

20.74%

APR:

20.99% Variable

23.99% Variable

APR Floor:

None

Intro Rate:

None

N/A

Intro Period:

None

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

24 - 30 days

Default/Penalty APR:

None

Default/Penalty Margin:

N/A

Default/Penalty APR Floor:

None

Maximum Default APR:

Penalty/Default Trigger:

Unknown

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

Over-the-limit Fee:

Up to $35 max.

Balance Transfer Fee:

Cash Advance Fee:

Notes:

Rebate Description:

N/A

Special Notes:

There is a 2% for each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, and a 3% fee for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Grace Period: Your due date is 24 - 30 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 each month. Applicant must be 16 years of age and have a U.S. address, a Social Security number, and a qualifying co-signer who earns at least $12,000 annually.

Card Issued By:

Elan Financial Services for Berkshire Municipal Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Classic/Standard

Card Category:

Balance Transfer, Low Interest, Student

States Available In:

ALL