APR for Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; after that, your APR will be 13.99%, 16.99% or 19.99%, based on your creditworthiness. The APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the LIBOR Index to a margin of 13.49, 16.49, or 19.49 percentage points. Balance Transfer Fee: Either $10 or 3% of the amount of each transfer, whichever is greater, on transfers made within 4 months of account opening; thereafter the fee for Balance Transfers is either $10 or up to 4% of the amount of each transfer, whichever is greater. Cash Advance Fees: Cash from a financial institution or an ATM: Either $10 or up to 3% of the amount of each advance, whichever is greater; Cash Equivalent Transactions: Either $20 or 5% of the amount of each advance, whichever is greater. Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater. Penalty APR: Up to 29.99%; If your APRs are increased due to any default as described, the Penalty APR will apply indefinitely.