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. For cash equivalent advances the fee is $20 or 4%, whichever is greater. Overdraft Protection $10 (not all products offer overdraft protection).For credit lines $25,000 and higher, please contact 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 monthly statements when due and do not exceed your entire balance by the due date each month. Intro APR: Loss of Introductory 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. Dollars, 3% 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.