APR for Balance Transfers: 0.00% introductory APR for the first 15 billing cycles; after that, your APR will be 13.99%, 16.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on LIBOR. Balance Transfer Fee: $0 Intro fee on transfers made within 60 days of account opening. After that, 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 4% of the amount of each transfer, whichever is greater. Cash Advance Fee: Cash Loans, ATM Loans, and Convenience Checks: 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. The Index is determined monthly and it is the three month LIBOR. Penalty APR: Up to 29.99%; If your APRs are increased due to any default as described, the Penalty APR will apply indefinitely.