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BankAmericard® Secured Visa® Credit Card


Credit Card Rate Information:

 
Purchase
Balance Transfer
Cash Advance

Index:
 prime
 
 
Margin:
 16.99
 16.99
 16.99 - 21.74
APR:
  20.24% Variable
 20.24% Variable
 20.24% - 24.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 None
 None
Intro Period:
 None
 None
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
 
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 This APR may be applied to new transactions on your account if you make a late payment.
Credit Card Fee Information:

Annual Fee:
 $39
Foreign Transaction Fee:
 3%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% ($10 min. )  


Notes:

Rebate Description:
 N/A
Special Notes:
 You must be at least 18 years of age (or at least 21 years of age if a permanent resident of Puerto Rico). Establish or rebuild your credit with reporting to the three major bureaus. Credit Line from $300-$4,900 based on income, ability to pay and security deposit. Account reviewed after 12 months for eligibility to upgrade to an unsecured card and a refund of your Security Deposit. Cash Advance APRs: 20.24% APR for Direct Deposit and Check Cash Advances, and 24.99% APR for Bank Cash Advances (variable with Prime Rate). Cash Advance Fees: Direct Deposit and Check Cash Advances are either $10 or 3% of the amount of each transaction, whichever is greater; ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances are either $10 or 5% of the amount of each transaction, whichever is greater. Purchases of wire transfers from a non-financial institution: Either $10 or 5% of the amount of each transaction, whichever is greater. Foreign Transaction Fee: 3% of the U.S. Dollar amount of each transaction made in a foreign currency or made in U.S. Dollars that is processed outside the United States (Note: This fee will be in addition to any other applicable fee). Card company will not charge interest on Purchases if you pay your entire balance by the due date. Penalty APR: Up to 29.99%, based on your creditworthiness. If your APRs are increased, the Penalty APR will apply indefinitely.
Card Issued By:
 Bank of America
General Correspondence Address:
 PO Box 53132, Phoenix, AZ, 85072
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 ALL
Minimum Credit Limit:
 $300 min.
Maximum Credit Limit:
 $4900 max.
Credit Limit Notes:
 



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