Finance Calculation Method:
Average Daily Balance (including new purchases)
28.99% (variable); If your APRs are increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period.
Default/Penalty APR Floor:
The Penalty APR may be applied to your account if you make payments 5 calendar days late twice or 30 calendar days once; or make a payment that is returned; or if you exceed your credit limit 2 times in 12 consecutive months.