ESL Visa Gold

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

14.74

14.74%

APR:

17.99% Variable

APR Floor:

None

Intro Rate:

3.99%

Intro Period:

6 billing cycles

First 6 billing cycles

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

25 days

Default/Penalty APR:

18%

Default/Penalty Margin:

Unknown

Default/Penalty APR Floor:

None

Maximum Default APR:

Penalty/Default Trigger:

If the account becomes past due because you fail to make the minimum payment for two consecutive billing cycles.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

None

Late Fee:

See Special Notes

Over-the-limit Fee:

N/A

Balance Transfer Fee:

Cash Advance Fee:

Notes:

Rebate Description:

Participates in the Visa Rewards for special offers to Visa Cardholders. Get back some of the interest you pay with Owners Dividend.

Special Notes:

The APR for cash advances and balance transfers is the same as for purchases. The APR will be 3.99% through the first six months beginning with the date the account is opened. There is no grace period for cash advance or balance transfer transactions; finance charges accrue from the date of the transaction. Late payment fee is up to $25. Returned payment fee is up to $25. Grace period is at least 25 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay the entire balance by the due date each month.

Card Issued By:

ESL FCU

General Correspondence Address:

100 Kings Hwy, South Rochester, NY, 14617

Card Type:

Visa

Card Class:

Gold

Card Category:

Balance Transfer, Credit Card Deals, Low Interest, Low Intro Rate

States Available In:

ALL