Must be a Justice FCU member. This card is designed for rebuilding credit, and is secured by a Justice FCU share account, so you earn dividends while rebuilding your credit. Credit limits range from $100 up to 110% of pledged shares. Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars; 1% of each U.S. Dollar transaction that occurs in a foreign country. Grace Period: The card company will not charge you interest on purchases if you pay your entire balance owed each month within at least 23 days of your statement closing date. Card issuer will begin charging interest on cash advances and balance transfers on the transaction date. Late Payment Fee: Up to $25 after 10 days. Cash Advance Fee: Either $10 or 2% of the cash advance, whichever is greater (maximum $50). No annual fee, no balance transfer fee and no prepayment penalty.