Peoples Neighborhood Bank Select 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:

0%

0.00%

N/A

Intro Period:

6 billing cycles

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:

1% unlimited cash back. Earn one point for every net dollar spent. Roundtrip airline ticket at 25,000 points. The richest travel, gift certificates, and merchandise rewards. Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.

Special Notes:

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 and Returned Payment Fee: up to $35. There is no overlimit fee for the Signature Card. 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. There is no pre-set spending limit. No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit card record and financial resources known to card company, and other factors. Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater for the first 6 billing cycles. After that, either $10 or 4% of the amount of each transfer, whichever is greater. 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.

Card Issued By:

Elan Financial Services for Peoples National Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Signature

Card Category:

Airlines, Balance Transfer, Cash Back, Low Interest, Low Intro Rate, Reward

States Available In:

ALL