The Helping Hands Visa Platinum Rewards Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

9.74

9.74%

13.74%

APR:

12.99% Variable

12.99% - 16.99% Variable

16.99% - 25% Variable

APR Floor:

None

Intro Rate:

0%

None

N/A

Intro Period:

6 months

None

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

21 days

Default/Penalty APR:

21.75% - 27.90% Variable

Default/Penalty Margin:

18.50 - 24.65

Default/Penalty APR Floor:

None

Maximum Default APR:

27.90%

Penalty/Default Trigger:

The Penalty APR may be applied to your account if you make a late payment.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2%

Late Fee:

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

Cash Advance Fee:

Notes:

Rebate Description:

Earn bonus points for FREE airline tickets, merchandise, cash-back and more at participating merchants. $50 donation by the bank when you first use the card and ongoing contributions.

Special Notes:

Low Introductory APR on Purchases and no balance transfer fees for 6 months. Balance Transfer APR varies as follows 12.99% if your Balance Transfer is treated as a Purchase, or 16.99% if your Balance Transfer is treated as a Cash Advance. The APR for Purchases and Cash Advances will not exceed 25.00%, but if the Penalty APR applies, it will not exceed 27.90%.

Card Issued By:

UMB Bank

General Correspondence Address:

4900 Main Street, Kansas City, MO, 64106

Card Type:

Visa

Card Class:

Platinum

Card Category:

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

States Available In:

ALL