Peoples Neighborhood Bank 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:

Unknown

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 one point for every net purchase dollar. Redeem rewards with as few as 1500 points. Select from a wide variety of reward options on travel, cash, gift certificates, merchandise or through our exclusive Choose Your Own Rewards program, you can redeem points for any card purchase. Earn 1,000 bonus points upon first use of the card.

Special Notes:

Applicant must be 18 years of age, have a U.S. address, a Social Security number, and be attending a 2 or 4-year college. Foreign Transaction: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Late Payment Fee, Returned Payment fee and Over the Limit Fee are up to $35. Your due date is 24 - 30 days after the close of each billing cycle. The card company will not charge you interest on Purchases if you pay your entire balance by the due date each month. The cash advance fee is $10 or 4% of the advance amount, whichever is greater, except in the case of cash equivalent advances. For cash equivalent advances the fee is $20 or 4%, whichever is greater. The balance transfer fee is either $10 or 4% of the amount of each transfer, whichever is greater.

Card Issued By:

Elan Financial Services for Peoples National Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Classic/Standard

Card Category:

Airlines, Balance Transfer, Cash Back, Reward, Student

States Available In:

ALL