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. Balance Transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater. 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. The Penalty APR applies until you make 6 consecutive minimum payments when due and do not exceed your credit limit during the same time period. 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. Late payment fee is $19 on balances up to $100; $29 on balances from $100 up to $250; and $39 on balances of $250 or more.