First National Bank of Chester County College Rewards 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:

N/A

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

See Special Notes

Over-the-limit Fee:

Up to $35 max.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

Earn 1,000 bonus points upon first use of the card. Redeem rewards with as few as 1500 points. Reward options on travel, cash, gift certificates, merchandise through exclusive Rewards program, points redeemed for any card purchase. Earn one point for every net purchase dollar.

Special Notes:

Applicant must be at least 18 years of age, have a US address, a Social Security number, and be attending a 2 or 4-year college. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $10 or 4% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Balance Transfer is either $10 or 4% of the amount of each transfer, whichever is greater. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. Late payment fee, returned payment fee, and the over the limit fee is up to $35.

Card Issued By:

Elan Financial Services for First National Bank of Chester County

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Classic/Standard

Card Category:

Airlines, Balance Transfer, Cash Back, Credit Card Deals, Reward, Student

States Available In:

ALL