Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if you pay your entire balance by the due date each month. Fees: Cash Equivalent Advance either $20 or 4% of the advance amount, whichever is greater. Overdraft Protection $10 (not all products offer overdraft protection). For credit lines $25,000 and higher, please contract Cardmember Service. Penalty APR: 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. Penalty APR applies until you make 6 consecutive minimum payments when due and do not exceed your credit limit during that same time period. Intro APR: Card issuer may end your introductory APR and apply the standard APR or penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. Balance Transfer Fee: either 3% of the amount of each transfer or $5 minimum, whichever is greater. Foreign Transaction Limit Fee Notes: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Late Fee Notes: $19 on balances up to $100, $29 on balances from $100 up to $250, $39 on balances of $250 or more. Returned Payment fee: Up to $35.