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; This APR will vary with the market based on LIBOR. 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 Fee: Either $10 or up to 3% of the amount advanced, whichever is greater; Either $20 or 5% of the transaction for certain Cash Equivalent Transactions, whichever is greater. Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of transactions, whichever is greater. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. Penalty APR: Up to 29.99%; If your APRs are increased due to any default as described, the Penalty APR will apply indefinitely.