New York State Banking Credit Card Survey 2009

Major League Baseball® Extra BasesTM Credit Card

PO Box 15020 Wilmington, DE 19850

Card issued by : FIA Card Services, N.A. for Bank of America
Card Type : AmEx
Card Class : Classic/Standard
Card Category : Airline/Travel Rewards,Low Intro Rate
Margin Index : N/A
Purchase APR : 11.99 - 19.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit :
Maximum Credit Limit :
Annual Fee : $0
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR : 27.24% F
Penalty/Default Trigger :
Maximum Default APR :
Universal Default Clause : No
Foreign Currency Fee : 03.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	00.00% 12 months None 03.00% N/A $10 None	27.24% N/A None N/A 04.00% $10 None

Rebate Description: Points are redeemable for a variety of MLB Team experiences, collectibles, merchandise, cash and travel. Air rewards subject to maximum dollar value and special air arrangements require payment of additional points and a processing fee. Earn unlimited points. Use the MLB Extra Basesï¿½ MasterCard® credit card and earn one (1) point per one U.S. dollar ($1.00) spent on new eligible net retail purchase transactions (eligible purchases less credits, returns, and adjustments) made everywhere the credit card is accepted. Points are valid for 5 years.
Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such transaction (minimum $10).

Malvern Federal Savings Bank College Rewards Visa® Card

42 E Lancaster Ave Paoli, PA 19301

Card issued by : Malvern Federal Savings Bank
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Student
Margin Index : Prime + 5.99 - 14.99%
Purchase APR : 9.24 - 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $20 after the first year (waived if you make 1 purchase per year)
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $19 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : In the event that the acct becomes 30 calendar days past due once or 5 calendar days past due twice in any 12-month period or may apply if the acct has 2 Overlimit occurrences during any period of 12 consecutive months.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 20 - 25 days N/A N/A N/A N/A	N/A N/A None 3% N/A $5 None	20.99% N/A None N/A 4% $10 None

Rebate Description: 1,000 point enrollment bonus, when you receive your card. Earn 1 reward point for each net purchase $1 charged to the account. Starting at 1,300 points, you can redeem points for free rewards such as CDs, movie rentals and event tickets or a meal at your favorite restaurant. Redeem points for consumer electronics like CD players, MP3 players, DVD players, TVs, and stereo systems. The max. number of points that can be earned is 30,000 per year. Reward points expire 5 years from the end of the quarter during which they were earned.
Special Notes: None

Malvern Federal Savings Bank Visa® Platinum Card

42 E Lancaster Ave Paoli, PA 19301

Card issued by : Malvern Federal Savings Bank
Card Type : MasterCard
Card Class : Platinum
Card Category : Low Intro Rate
Margin Index : Prime + 3.99 - 16.99%
Purchase APR : 7.24 - 20.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $40 after the first year (waived if you make 1 purchase per year)
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $19 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : In the event that the acct becomes 30 calendar days past due once or 5 calendar days past due twice in any 12-month period or may apply if the acct has 2 Overlimit occurrences during any period of 12 consecutive months.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	0% 6 months 20 - 25 days N/A N/A N/A N/A	0% 6 months None 3% N/A $5 None	20.99% N/A None N/A 4% $10 None

Rebate Description: N/A
Special Notes: No Balance Transfer fees for the first 6 billing cycles.

Marathon Platinum MasterCard®

2 Chase Manhattan Plaza, 21st Floor New York, NY 10081

Card issued by : JP Morgan and Chase
Card Type : MasterCard
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime + 9.99 - 14.99%
Purchase APR : 13.24 - 18.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Not receiving, for any payment owed on the card or any other account with Chase, at least the minimum payment due by the date and time due, exceeding the credit line on the card, or making payment not honored by your bank.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	0% 6 months None 3.00% N/A $5	19.24 - 23.24% N/A None N/A 3.00% $10 None

Rebate Description: Earn a 5% rebate for each $1 of eligible net purchases made at participating Marathon locations and a 1% rebate for each $1 of all other net purchases, excluding purchases made at locations where competitive gasoline is sold. You do not earn rebates on balance transfers, cash advances, any checks that are used to access your account, travelers checks, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind. Maximum rebate accumulation on net purchases earning a 5% rebate is $270 Annually, which equates to $5,400 in Marathon net purchases. There is no maximum amount of rebates that can be earned on net purchases earning a 1% rebate.
Special Notes: None

Marriot Rewards Visa® Business Card

Card issued by : J.P. Morgan Chase & Co
Card Type : Visa
Card Class : Classic/Standard
Card Category : Business
Margin Index : Prime + 09.99
Purchase APR : 13.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit :
Maximum Credit Limit :
Annual Fee : $0 first year, $30 thereafter
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on amount depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : If at least the minimum payment due is not received by the date and time due; you exceed your credit line, if applicable; or you make a payment that is not honored by your bank.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 03.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	None N/A None 03.00% N/A $5	19.24% N/A None N/A 03.00% $10 None

Rebate Description: 3 points per dollar spent at Marriott Hotels
Special Notes:

Marriott Rewards Visa® Signature card

PO Box 8600 Wilmington, DE 19886

Card issued by : Chase Bank, USA NA
Card Type : Visa
Card Class : Classic/Standard
Card Category : Reward Points
Margin Index : Prime + 9.99%
Purchase APR : 13.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $5,000
Maximum Credit Limit : N/A
Annual Fee : $30 after 1st yr
Over-the-Limit Fee : None depending on balance
Late Payment Fee : $15 - $39 depending on the balance depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Not receiving, for any payment owed on the card or any other account with Chase, at least the minimum payment due by the date and time due, exceeding the credit line on the card, or making payment not honored by your bank.
Maximum Default APR :None
Universal Default Clause : Yes
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	None N/A None 3% N/A $5	19.24% N/A None N/A 3% $10 None

Rebate Description: Earn 3 points for every $1 charged at Marriott locations. Earn 1 point for every $1 charged elsewhere. Over 2,300 Marriott locations to choose from. Receive 20,000 bonus points after the first purchase is made with the Marriott Rewards Visa Signature card. Automatic upgrade to Silver Elite membership in Marriott Rewards, entitling you to a 20% bonus on Marriott Rewards base points and providing you with additional bonuses and privileges. As a special introductory offer, the first years annual fee for your Marriott Rewards Visa Signature card. You will also receive a free night certificate after account approval, good at category 1-4 locations worldwide. Points are not earned on fees for products that protect or insure the balances of the Cardmembers account.
Special Notes: The minimum gross annual income required for an account is $14,400. You must be at least 18 years old to qualify (19 in AL and NE).

Mercedes-Benz Visa® Card

Card issued by : FIA Card, NA Services for Bank of America
Card Type : Visa
Card Class : Classic/Standard
Card Category : Airline/Travel Rewards
Margin Index : Prime + 7.99
Purchase APR : 11.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit :
Maximum Credit Limit :
Annual Fee : $0
Over-the-Limit Fee : $15-$39 depending on balance
Late Payment Fee : $15-$39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger :
Maximum Default APR :
Universal Default Clause : No
Foreign Currency Fee : 01.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	00.00% 6 months 20 days N/A N/A N/A N/A	00.00% 6 months None None N/A N/A N/A	19.24% N/A None N/A 03.00% $10 None

Rebate Description: Earn one Reward Point per dollar you spend in net purchases, five Reward Points for each dollar you spend on certain net purchases at any participating authorized Mercedes-Benz dealer, five Reward Points for each dollar you spend on net purchases from the Mercedes-Benz Collection and Classic Branded Merchandise. Receive 2,500 bonus points after you make your first purchase with your card. Reward Points are not earned on cash advances, convenience checks, balance transfers, fees, finance charges, late fees or other charges. Only the primary cardholder can earn Rewards Points. Rewards Points are not transferable and cannot be transferred from one credit card account to another. Points from multiple accounts cannot be combined. Rewards Points earned in a calendar year will expire the fifth calendar year during the month in which the Points were earned. For example, Points earned in April of 2004 will expire in April 2009.
Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such transaction (minimum $10). Cash Equivalent transactions are defined as money orders, foreign currency, and travelers checks from a non-financial institution, person to person money transfers, bets, lottery tickets, casino gaming chips and bail bonds.

MERRILL+ Visa® Credit Card

PO Box 15020 Wilmington, DE 19850

Card issued by : FIA Card Sevices
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : N/A
Purchase APR : 09.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : $250,000
Annual Fee : None
Over-the-Limit Fee : None depending on balance
Late Payment Fee : $15 - $39 depending on balance
Penalty/Default APR :
Penalty/Default Trigger :
Maximum Default APR :
Universal Default Clause : No
Foreign Currency Fee : 02.00%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 25 days N/A N/A N/A N/A	1.90% 12 months None 03.00% N/A $10 $75	09.99% F N/A Non N/A 03.00% $10 $75

Rebate Description: Earn 1 point for every $1 spent on net retail purchases and accrue unlimited Merrill PointsSM. Redeem for travel, merchandise, and more. Anytime, Anywhere, Any AirlineSM air rewards starting at 25,000 points, with no blackout dates. Blance transfers, cash advances, purchases of money orders or other cash equivalents, out-of-network payments processed through the Bill Pay Choice service, unauthorized or fraudulent transactions, purchases made by or for a business or for a business purpose, fees and finance charges do not earn Points. Points have no cash value, cannot be used to pay any credit card balances and are valid for 5 years.
Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted before April 19, 2008: 3% of each such purchase (minimum $10). Non-promotional Cash Equivalents posted to your account on or after April 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted.

Money Return Visa® Platinum Plus

PO Box 53132 Phoenix, AZ 85072

Card issued by : Bank of America
Card Type : Visa
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime + 6.74 - 16.74%
Purchase APR : 9.99 - 19.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : None
Over-the-Limit Fee : $39 depending on balance
Late Payment Fee : $15 - $39 depending on the acct balance on the fee assessment date. depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : 3%
States Available in : ALL

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	None N/A 20 days N/A N/A N/A N/A	0% 6 months None 3% N/A $10 None	24.24% N/A None N/A 3% $10 None

Rebate Description: At the end of every year, the total interest charges paid are calculated and a check is written for 10% of that amount.
Special Notes: Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10). Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of August 11, 2007, will include fines and bail bonds.

Municipal CU Visa Classic

2 Lafayette Street New York, NY 10007

Card issued by : Municipal CU
Card Type : Visa
Card Class : Classic/Standard
Card Category : Regular
Margin Index : N/A
Purchase APR : 14.90%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $20 depending on balance
Late Payment Fee : $25 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 25 days N/A N/A N/A N/A	N/A N/A None Unknown N/A Unknown Unknown	16.90% N/A None N/A 3% $1 $30

Rebate Description: N/A
Special Notes: Must be a member. You can open up an account at MCU if you are a New York City employee, Federal or State employee who work in the five boroughs, or a health care professional (private or public) working in New York State, if you work for an insurance company that offers health related insurance in the State of New York, if you work for a private college located in the City of New York and private and public colleges in the counties of Nassau, Suffolk and Westchester.

Municipal CU Visa Gold

2 Lafayette Street New York, NY 10007

Card issued by : Municipal CU
Card Type : Visa
Card Class : Gold
Card Category : Low Intro Rate
Margin Index : Prime + 4.9%
Purchase APR : 8.90%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $5,000
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $20 depending on balance
Late Payment Fee : $25 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 25 days N/A N/A N/A N/A	4.9% (w/ balance transfer of $3,000+) 6 months None Unknown N/A Unknown Unknown	16.90% N/A None N/A 3% $2 $30

Rebate Description: N/A
Special Notes: Must be a member. You can open up an account at MCU if you are a New York City employee, Federal or State employee who work in the five boroughs, or a health care professional (private or public) working in New York State, if you work for an insurance company that offers health related insurance in the State of New York, if you work for a private college located in the City of New York and private and public colleges in the counties of Nassau, Suffolk and Westchester.

Municipal CU Visa Platinum

2 Lafayette Street New York, NY 10007

Card issued by : Municipal CU
Card Type : Visa
Card Class : Platinum
Card Category : Low Interest,Low Intro Rate
Margin Index : Prime + 3.90%
Purchase APR : 7.90%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $5,000
Maximum Credit Limit : $25,000
Annual Fee : $0.00
Over-the-Limit Fee : $20.00 depending on balance
Late Payment Fee : $25.00 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 25 days N/A N/A N/A N/A	0% (w/ balance transfer of $3,000+) 6 months None Unknown N/A Unknown Unknown	16.90% N/A None N/A 3.00% $2.00 $30.00

Rebate Description: N/A
Special Notes: Must be a member. You can open up an account at MCU if you are a New York City employee, Federal or State employee who work in the five boroughs, or a health care professional (private or public) working in New York State, if you work for an insurance company that offers health related insurance in the State of New York, if you work for a private college located in the City of New York and private and public colleges in the counties of Nassau, Suffolk and Westchester.

Municipal CU Visa Secured

2 Lafayette Street New York, NY 10007

Card issued by : Municipal CU
Card Type : Visa
Card Class : Classic/Standard
Card Category : Poor/No Credit
Margin Index : N/A
Purchase APR : 10.90%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $20 depending on balance
Late Payment Fee : $25 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : No
Foreign Currency Fee : Unknown
States Available in : NY

	Purchase	Balance Transfer	Cash Advance
Introductory Rate Introductory Period Grace Period Balance Transfer Fee Cash Advance Fee Minimum Fee Maximum Fee	N/A N/A 25 days N/A N/A N/A N/A	N/A N/A None Unknown N/A Unknown Unknown	16.90% N/A None N/A 3% $1 $30

Rebate Description: N/A
Special Notes: Must be a member. You can open up an account at MCU if you are a New York City employee, Federal or State employee who work in the five boroughs, or a health care professional (private or public) working in New York State, if you work for an insurance company that offers health related insurance in the State of New York, if you work for a private college located in the City of New York and private and public colleges in the counties of Nassau, Suffolk and Westchester.