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March 2009 Credit Card Survey

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R

RBC Centura Low Rate Visa Gold

134 North Church Street Rocky Mount, NC 27804

  • Card issued by : RBC
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Airline/Travel Rewards
  • Margin Index : Prime + 5.49%
  • Purchase APR : 8.74%
  • Finance Calculation Method : Average Daily Balance Method
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : Unknown
  • Annual Fee : $18
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $35 depending on balance
  • Penalty/Default APR : 23.99%
  • Penalty/Default Trigger : Failing to pay the total amount due shown on your monthly statement by the payment due date for 3 consecutive billing cycles.
  • 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
    		N/A
    N/A
    25 Days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    Not Disclosed
    N/A
    Not Disclosed
    Not Disclosed    		 19.99%
    N/A
    N/A
    N/A
    03.50%
    $5
    $75
  • Rebate Description: Earn points by enrolling in rewards program.
  • Special Notes: If you join the RBC Centura Rewards Program or the RBC Centura Rewards Plus Program ($55/yr), your interest rates could be reduced.

RBC Centura No Fee Visa Gold

134 North Church Street Rocky Mount, NC 27804

  • Card issued by : RBC Centura Bank
  • Card Type : Visa
  • Card Class : Gold
  • Card Category : Reward Points
  • Margin Index : Prime + 6.49%
  • Purchase APR : 10.74%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $2,000.00
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $35.00 depending on balance
  • Penalty/Default APR : 23.99%
  • Penalty/Default Trigger : Failing to pay the total amount due shown on your monthly statement by the payment due date for 3 consecutive billing cycles.
  • 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
    		4.90%
    6 Months
    25 Days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    None
    N/A
    None
    None    		 19.99%
    N/A
    None
    N/A
    03.50%
    $5.00
    $75.00
  • Rebate Description: Every 2 dollars in purchases charged earns 1 point towards redemption for travel, hotels, car rentals, restaurants, and gift cards at national retailers. Points are valid for 4 years.
  • Special Notes: If you join the RBC Centura Rewards Program or the RBC Centura Rewards Plus Program ($55/yr), your interest rates could be reduced.

RBC Centura Rewards No Fee Visa Platinum

134 North Church Street Rocky Mount, NC 27804

  • Card issued by : RBC Centura Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Interest,Reward Points
  • Margin Index : RBC Centura Prime Rate + 03.49%
  • Purchase APR : 6.74%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500.00
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $35.00 depending on balance
  • Penalty/Default APR : 23.99%
  • Penalty/Default Trigger : Failing to pay the total amount due shown on your monthly statement by the payment due date for 3 consecutive billing cycles.
  • 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
    		2.90%
    6 Months
    25 Days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    N/A
    None
    N/A
    None
    None    		 19.99%
    N/A
    None
    N/A
    03.50%
    $5.00
    $75.00
  • Rebate Description: Every $2 in purchases charged earns 1 point towards redemption for travel, hotels, car rentals, restaurants, and gift cards at national retailers. Points are valid for 4 years.
  • Special Notes: If you join the RBC Centura Rewards Program or the RBC Centura Rewards Plus Program ($55/yr), your interest rates could be reduced.

Riverview Community Bank Visa® Platinum Card

PO Box 350 Aumsville, OR 97325

  • Card issued by : Riverview Comunity Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest,Reward Points
  • Margin Index : Prime + 03.99% - 16.99%
  • Purchase APR : 7.24% -20.24%
  • Finance Calculation Method : Average Daily Balance Method
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If the account becomes 30 calendar days past due once, or 5 calendar days past due twice in any 12 month period or if the account has 2 overlimit occurrences during any period of 12 consecutive months.
  • Maximum Default APR :27.24%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : Available for members only
  •  
    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
    N/A
    3%
    N/A
    $5
    None    		 19.24%
    N/A
    N/A
    N/A
    4%
    $10/$20
    None
  • Rebate Description: Earn 1,000 bonus reward points upon first purchase and earn points for purchases.
  • Special Notes:

Riverview Community Bank College Rewards

PO Box 350 Aumsville, OR 97325

  • Card issued by : Riverview Community Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : Prime + 5.99% to 14.99%
  • Purchase APR : 9.24-18.24%
  • Finance Calculation Method : Average Daily Balance Method
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 ($20 if not used in a year)
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If the account becomes 30 calendar days past due once, or 5 calendar days past due twice in any 12 month period or if the account has 2 overlimit occurrences during any period of 12 consecutive months.
  • Maximum Default APR :27.24%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : Available for members only
  •  
    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
    N/A
    3%
    N/A
    $5
    None    		 19.24%
    N/A
    N/A
    N/A
    4%
    $10/$20
    None
  • Rebate Description: Earn points for purchases
  • Special Notes:

Riverview Community Bank Secured Visa® Card

PO Box 350 Aumsville, OR 97325

  • Card issued by : Riverview Comunity Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 14.99
  • Purchase APR : 18.24%
  • Finance Calculation Method : Average Daily Balance Method
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $35
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If the account becomes 30 calendar days past due once, or 5 calendar days past due twice in any 12 month period or if the account has 2 overlimit occurrences during any period of 12 consecutive months.
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes.
  • Foreign Currency Fee : 3%
  • States Available in : Available for members only
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20-25 Days
    N/A
    N/A
    N/A
    N/A    		 Unknown
    N/A
    N/A
    3%
    N/A
    $5
    N/A    		 19.24%
    N/A
    N/A
    N/A
    4%
    $10
    N/A
  • Rebate Description: Earn up to 1% in a cash rebate that is automatically mailed to your every year - with no minimum spending requirements.
  • Special Notes:

Riverview Community Bank Visa Signature Card

PO Box 350 Aumsville, OR 97325

  • Card issued by : Riverview Community Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Airline/Travel Rewards,Low Interest
  • Margin Index : Prime + 3.99% - 16.99%
  • Purchase APR : 7.24-20.24%
  • Finance Calculation Method : Average Daily Balance Method
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If the account becomes 30 calendar days past due once, or 5 calendar days past due twice in any 12 month period or if the account has 2 overlimit occurrences during any period of 12 consecutive months.
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : Available for members only
  •  
    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
    N/A
    3%
    N/A
    $5
    None    		 19.24%
    N/A
    N/A
    N/A
    4%
    $10
    None
  • Rebate Description: Earn points for purchases.
  • Special Notes:

Riverview Community Bank Young Adult Visa

PO Box 350 Aumsville, OR 97325

  • Card issued by : Riverview Community Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : Prime + 5.99% to 14.99%
  • Purchase APR : 9.24-18.24%
  • Finance Calculation Method : Average Daily Balance Method
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 ($20 if not used in a year)
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : 15 days past due once or 5 days past due twice in any twelve (12) month period, OR may apply if your account is over limit two times in twelve (12) consecutive months.
  • Maximum Default APR :Prime + 23.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : Available for members only
  •  
    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
    N/A
    Not Disclosed
    N/A
    Not Disclosed
    Not Disclosed    		 20.99%
    N/A
    N/A
    N/A
    4%
    $10
    None
  • Rebate Description:
  • Special Notes:
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Last Updated: March 31, 2009 by CardRatings.com. ®1998-2009; U.S. Citizens for Fair Credit Card Terms, Inc. All rights reserved.