New York State Banking Credit Card Survey 2009

Pentagon Federal Credit Union Visa Gold

1001 North Fairfax Street Alexandria, VA 22314

Card issued by : Pentagon Federal Credit Union
Card Type : Visa
Card Class : Gold
Card Category : Low Rate
Margin Index : N/A
Purchase APR : 12.49%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0.00
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $39.00 depending on balance
Penalty/Default APR : 17.99%
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : Unknown
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 25 days N/A N/A N/A N/A	5.99% Life of Balance None 2.5% N/A $10 $100	12.49% N/A None N/A None None None

Rebate Description: N/A
Special Notes: Available to members only.

Pentagon Federal Credit Union Visa Platinum Cash Rewards Card For Students

1001 North Fairfax Street Alexandria, VA 22314

Card issued by : Pentagon Federal Credit Union
Card Type : Visa
Card Class : Classic/Standard
Card Category : Student
Margin Index : N/A
Purchase APR : 13.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $15 depending on balance
Late Payment Fee : $39 depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : 17.99%
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : Unknown
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 25 days N/A N/A N/A N/A	N/A N/A None 2.5% N/A $10 $100	13.99% F N/A None N/A None None None

Rebate Description: Earn 5.00% cash back from gas purchases paid at the pump. Earn 1.25% cash back from all purchases you make with the card during each billing cycle. Credit card in students name -- student actually builds credit in his or her name while in school.
Special Notes: Available to members only.

Pentagon Federal Credit Union Visa Platinum Gas Cash Rewards

1001 North Fairfax Street Alexandria, VA 22314

Card issued by : Pentagon Federal Credit Union
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : N/A
Purchase APR : 13.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0.00
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $39.00 depending on balance
Penalty/Default APR : 17.99%
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : Unknown
States Available in : VA

	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	5.99% Life of Balance None 2.5% N/A $10 $100	12.49% N/A None N/A None None None

Rebate Description: Earn 5% cash back on gas paid at the pump. Earn 1.25% cash back from all purchases made with the card during each billing cycle. Cash Rewards credited each month. Net purchases (new monthly purchases minus returns and credits). Rewards are available only for new monthly purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards.
Special Notes: Available to members only.

Pentagon Federal Credit Union Visa Platinum Rewards

1001 North Fairfax Street Alexandria, VA 22314

Card issued by : Pentagon Federal Credit Union
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : N/A
Purchase APR : 13.99%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : N/A
Maximum Credit Limit : N/A
Annual Fee : $0.00
Over-the-Limit Fee : $15.00 depending on balance
Late Payment Fee : $39.00 depending on balance
Penalty/Default APR : 17.99%
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : Unknown
States Available in : VA

	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	2.99% Life of Balance None 2.5% N/A $10 $100	12.49% N/A None N/A None None None

Rebate Description: Earn one point for every dollar in purchases made with the card. Redeem points for travel and premium merchandise. 1,000 free points for opening the Visa Platinum Travel Rewards card. Net purchases (new monthly purchases minus returns and credits). Rewards are available only for new monthly purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards.
Special Notes: Available to members only.

Phillips 66®-Conoco®-76TM Platinum MasterCard®

100 Citibank Drive San Antonio, TX 78245

Card issued by : Citi Bank (South Dakota), NA
Card Type : MasterCard
Card Class : Platinum
Card Category : Cash Back
Margin Index : Prime + 7.99-11.99%
Purchase APR : 11.24-15.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500
Maximum Credit Limit : N/A
Annual Fee : $0
Over-the-Limit Fee : $35 depending on balance
Late Payment Fee : $39 depending on balance
Penalty/Default APR : 27.24%
Penalty/Default Trigger : APRs may automatically increase up to the Default APR if default under any Card Agreement with Citi because of failing to make payment when due, exceeding the credit line, or making payment that is not honored.
Maximum Default APR :Prime + up to 23.99%
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	N/A N/A 20 days N/A N/A N/A N/A	N/A N/A None 3% after the intro offer N/A $5 $75	19.99% N/A None N/A 3% $5 None

Rebate Description: Earn 4% rebates* on Phillips 66, Conoco and 76 station purchases. Annual Non-Phillips 66, Conoco or 76 Purchases totaling less than $5,000 will earn a 0.5% rebate and annual Non-Phillips 66, Conoco or 76 Purchases totaling $5,000 or more will earn a 1% rebate. You can earn up to a maximum of $50 in rebates each billing cycle. All rebates are automatically redeemed by applying the rebates as a credit against Phillips 66, Conoco and 76 Purchases made with your Phillips 66-Conoco-76TM MasterCard in subsequent billing cycles. Your account must remain open and current in order to earn and redeem rebates. Rebates are not earned on cash advances, balance transfers, fees, finance charges or other ancillary fees. Any rebates not redeemed within six monthly billing cycles after the billing cycle in which they are earned will expire.
Special Notes: To receive a Phillips 66-Conoco-76TM Platinum MasterCard, you must have an annual income of at least $25,000 and you must meet Citi's credit qualification criteria for the Phillips 66-Conoco-76TM Platinum MasterCard. Otherwise, you may receive a Phillips 66-Conoco-76TM MasterCard, provided you meet Citi's credit qualification criteria. The Phillips 66-Conoco-76TM MasterCard does not have as many benefits as the Phillips 66-Conoco-76TM Platinum MasterCard and has a higher APR than the platinum.

Plains Commerce Bank MasterCard Secured

PO Box 7 Hoven, SD 57450

Card issued by : Plains Commerce Bank
Card Type : MasterCard
Card Class : Classic/Standard
Card Category : Poor/No Credit
Margin Index : N/A
Purchase APR : 19.80%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $300
Maximum Credit Limit : $5,000
Annual Fee : $39
Over-the-Limit Fee : Greater of $20 or 10% of amount over depending on balance
Late Payment Fee : Greater of $20 or 10% of past due depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : Unknown
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 25 days N/A N/A N/A N/A	N/A N/A None N/A N/A None None	19.80% N/A None N/A 3% $2 None

Rebate Description: N/A
Special Notes: Not available to residents of Wisconsin.

Plains Commerce Bank Visa Secured

PO Box 7 Hoven, SD 57450

Card issued by : Plains Commerce Bank
Card Type : Visa
Card Class : Classic/Standard
Card Category : Poor/No Credit
Margin Index : N/A
Purchase APR : 19.80%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $300
Maximum Credit Limit : $5,000
Annual Fee : $39
Over-the-Limit Fee : Greater of $20 or 10% of amount over depending on balance
Late Payment Fee : Greater of $20 or 10% of past due depending on balance
Penalty/Default APR : Unknown
Penalty/Default Trigger : Unknown
Maximum Default APR :None
Universal Default Clause : Unknown
Foreign Currency Fee : Unknown
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 25 days N/A N/A N/A N/A	N/A N/A None N/A N/A None None	19.80% N/A None N/A 3% $2 None

Rebate Description: N/A
Special Notes: Not available to residents of Wisconsin.

Platinum Edition® Visa® Card

1 First National Cir Omaha, NE 68102

Card issued by : First National Bank of Omaha
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : Prime + 9.99% or the Index plus a Margin of 3.99%,* or the greater of 11.99% or the Index plus a Margin of 5.99%,* or the greater of 13.99% or the Index plus a Margin of 7.99%
Purchase APR : 8.99-15.99%
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 : $35-$39 depending on balance depending on balance
Penalty/Default APR : Up to 29.99%
Penalty/Default Trigger : Failing to make a min. payment when due; exceeding the credit limit; or making a payment that is dishonored for any reason.
Maximum Default APR :27.24%
Universal Default Clause :
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	00.00% 6 months 20 days N/A N/A N/A N/A	None N/A None 3.00% N/A $10 None	20.99% N/A None N/A 3.00% $15 None

Rebate Description: 6% cash back on all qualifying gas purchases for the first 3 billing cycles after your account is opened. 3% rebate on all qualifying gas purchases after the introductory offer expires. 1% rebate on all other purchases
Special Notes:

Priority Club Rewards Visa Signature Card

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

Card issued by : Chase Bank, USA NA
Card Type : Visa
Card Class : Platinum
Card Category : Airline/Travel Rewards
Margin Index : Prime + 7.99%
Purchase APR : 11.24%
Finance Calculation Method : Average Daily Balance
Minimum Credit Limit : $500.00
Maximum Credit Limit : N/A
Annual Fee : $29 (waived for the first year)
Over-the-Limit Fee : None for Signature ($39 for platinum) 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 :Prime + up to 23.99%
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 days N/A N/A N/A N/A	0% 6 months None 3.00% N/A $5	19.24% N/A None N/A 3% $10 None

Rebate Description: Earn 15,000 bonus points after your first use of the card. Earn 3 points for every $1 spent on all InterContinental Hotels Group Net Purchases and 1 point for every $1 spent on all other net purchases. ("InterContinental Hotels Group Net Purchases" means purchases at any InterContinental Hotels Group owned, managed or franchised hotels, including InterContinentalÃƒï¿½Ã‚®, Crowne PlazaÃƒï¿½Ã‚®, Hotel IndigoÃƒï¿½Ã‚®, Holiday InnÃƒï¿½Ã‚®, Holiday Inn ExpressÃƒï¿½Ã‚®, Staybridge SuitesÃƒï¿½Ã‚®, and Candlewood SuitesÃƒï¿½Ã‚®.) You do not earn points on balance transfers, cash advances, any checks that are used to access your account, overdraft advances, travelers checks, finance charges, unauthorized or fraudulent charges, or fees of any kind. As a one-time bonus annually, once you reach $15,000 or more in net purchases, and you make one additional purchase within that year, you will receive 10,000 bonus points.
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).