Penalty APR will apply to your account if: you make 2 or more late payments in a 12-month period; you do not pay the Minimum Payment due by the closing date of the billing period in which it is due; or you make a payment that is returned.
Credit Card Fee Information:
$0 introductory annual fee for the first year, then $65
Foreign Transaction Fee:
2.70% (of each transaction after conversion to US dollars.)
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