APR for Purchases: 0% Introductory APR through the last day of the sixth billing cycle from account opening; after that, your APR will be 13.24% – 20.24% based on your creditworthiness. Late Payment Fee: $15 if the new balance is less than $500, and $39 if the new balance is $500 or greater. You will be charged interest on the cash advances and balance transfers on the transactions posting date. Cash Advance Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Balance Transfer Fee: Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee is $250). Grace Period: Your due date is at least 24 days after the close of each billing cycle. The card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Penalty APR: 24.24%; If your APRs are increased for any of the stated reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.