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March 2009 Credit Card Survey

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Please select the letter to link to the alphabetical listing of credit card issuers:
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T

Target Visa® Credit Card

PO Box 1581 Minneapolis, MN 55440

  • Card issued by : Target Financial Services
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : Prime + 7.99 - 16.99%
  • Purchase APR : 11.24-20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $29 - $39 depending on balance
  • Late Payment Fee : $15 - $35 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Applies if two times in any 12-month period we do not receive at least the Minimum Payment Due by the Payment Due Date, or if at any time all or a portion of two Minimum Payments Due are late.
  • Maximum Default APR :None
  • Universal Default Clause : Unknown
  • 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
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    Unknown
    N/A
    Unknown
    Unknown    		 23.24%
    N/A
    None
    N/A
    3.00%
    $5.00
    None
  • Rebate Description: Earn discounts off certain shopping days at Target and Target.com.
  • Special Notes: None

Teachers FCU No Frills Visa Classic

PO Box 9029 Farmingville, NY 11738

  • Card issued by : Teachers FCU
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Rate
  • Margin Index :
  • Purchase APR : 09.84%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $0.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : None
  • Penalty/Default Trigger : N/A
  • Maximum Default APR :N/A
  • 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
    2.00%
    N/A
    None
    None    		 09.84%
    N/A
    None
    N/A
    2.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to members only.

Teachers FCU Platinum Visa

PO Box 9029 Farmingville, NY 11738

  • Card issued by : Teachers FCU
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 09.48%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $0.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : None
  • Penalty/Default Trigger : N/A
  • Maximum Default APR :N/A
  • 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
    02.00%
    N/A
    None
    None    		 09.96%
    N/A
    None
    N/A
    02.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to members only.

Teachers FCU Student No Frills Option

PO Box 9029 Farmingville, NY 11738

  • Card issued by : Teachers FCU
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Student
  • Margin Index : N/A
  • Purchase APR : 09.36%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $0.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : None
  • Penalty/Default Trigger : N/A
  • Maximum Default APR :N/A
  • 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
    00.00%
    N/A
    None
    None    		 09.84% F
    N/A
    None
    N/A
    00.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to members only.

Teachers FCU Visa Cash Back Classic

PO Box 9029 Farmingville, NY 11738

  • Card issued by : Teachers FCU
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Cash Back
  • Margin Index :
  • Purchase APR : 12.36%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $0.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : None
  • Penalty/Default Trigger : N/A
  • Maximum Default APR :N/A
  • 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
    2.00%
    N/A
    None
    None    		 12.84% F
    N/A
    None
    N/A
    2.00%
    None
    None
  • Rebate Description: Earn up to 1% cash back on all purchases.
  • Special Notes: Available to members only.

Teachers FCU Visa Secured Classic

PO Box 9029 Farmingville, NY 11738

  • Card issued by : Teachers FCU
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Low Interest,Poor/No Credit
  • Margin Index :
  • Purchase APR : 7.20%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $0.00 depending on balance
  • Late Payment Fee : $10.00 depending on balance
  • Penalty/Default APR : None
  • Penalty/Default Trigger : N/A
  • Maximum Default APR :N/A
  • 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
    0.00%
    N/A
    None
    None    		 07.20% F
    N/A
    None
    N/A
    0.00%
    None
    None
  • Rebate Description: N/A
  • Special Notes: Available to members only.

Tompkins Trust College Rewards Visa Card

The Commons Ithaca, NY 14850

  • Card issued by : Tompkins Trust Company
  • Card Type : Visa
  • 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 : $0 - $20
  • Over-the-Limit Fee : $39.00 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 30 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • 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
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3.00%
    N/A
    $5.00
    None    		 20.99% V
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: Earn one point for every net purchase dollar. Redeem rewards with as few as 1500 points. Select from a wide variety of reward options on travel, cash, gift certificates, merchandise or through our exclusive Choose Your Own Rewards program, you can redeem points for any card purchase.
  • Special Notes: None

Tompkins Trust Visa Secured

The Commons Ithaca, NY 14850

  • Card issued by : Tompkins Trust Company
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : Prime + 14.99%
  • Purchase APR : 18.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $300
  • Maximum Credit Limit : $5,000
  • 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 : Past due by 15 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • 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
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    3.00%
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: N/A
  • Special Notes: None

Tompkins Trust Visa Signature Card

The Commons Ithaca, NY 14850

  • Card issued by : Tompkins Trust Company
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 7.24 -20.24%
  • Finance Calculation Method : Average Daily Balance
  • 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 : Past due by 30 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • 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
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3% after 6 Months
    N/A
    $5.00
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10.00
    None
  • Rebate Description: N/A
  • Special Notes: None

TompkinsTrust Visa Platinum Card

The Commons Ithaca, NY 14850

  • Card issued by : Tompkins Trust Company
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : Prime + 3.99 - 16.99%
  • Purchase APR : 7.24 -20.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0 - $40
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $19 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Past due by 30 days once or over 5 days past due twice in 12 months or overlimit 2 times in 12 months.
  • 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
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    3% after 6 Months
    N/A
    $5
    None    		 20.99%
    N/A
    None
    N/A
    4.00%
    $10
    None
  • Rebate Description: N/A
  • Special Notes: None

Total Rewards® Platinum Plus® Visa® Card

PO Box 15020 Wilmington, DE 19850

  • Card issued by : Bank of America
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : N/A
  • Purchase APR : 11.99 - 15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $39 depending on the acct balance on the fee assessment date. 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 : 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
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    12 months
    None
    04.00%
    N/A
    $10.00
    None    		 24.24% F
    N/A
    None
    N/A
    04.00%
    $10.00
    None
  • Rebate Description: Earn 1 Bonus Reward Credit for every $1 you charge in net retail purchases anywhere (purchases less credits, returns and adjustments). These Reward Credits will be added to your Total Rewards account balance, which can also be filled by your gaming play at any Harrah's Operating Company casinos. Use your card at least once every 6 months to ensure Reward Credits will not expire. Redeem Reward Credits for rewards such as show tickets, gourmet meals, exclusive vacations, and more. Cash advances, purchases of cash equivalents, and unauthorized or fraudulent transactions are ineligible for Reward Credits. Each month, you may earn up to 40,000 Reward Credits with the Credit Card.
  • 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.

Trust Co Bank Maximum Rewards Platinum Edition® Visa®

320 State Street Schenectady, NY 12305

  • Card issued by : TrustCo Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : Prime + 7.99 - 10.99%
  • Purchase APR : 12.99 - 15.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $35 - $39 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Late Payment, exceed credit line, dishonor pmnts
  • 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
    		N/A

    20 days
    N/A
    N/A
    N/A
    N/A    		 N/a

    None
    None
    N/A
    $10
    N/A    		 20.99%
    N/A
    None
    N/A
    3.00%
    $15
    None
  • Rebate Description: 1,000 bonus points when you apply; 1 point for every $1 in purchases; free flights on major U.S. airlines; free merchandise from brand names like Sony and Ping.
  • Special Notes: None

TrustCo Bank Platinum Edition® Visa®

320 State Street Schenectady, NY 12305

  • Card issued by : TrustCo Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Intro Rate
  • Margin Index : Prime + 3.99 - 10.99%
  • Purchase APR : 08.99-13.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : Unknown
  • Maximum Credit Limit : Unknown
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $35 - $39 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Late Payment, exceed credit line, dishonor pmnts
  • 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
    		0.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    None
    N/A
    $10
    N/A    		 20.99%
    N/A
    None
    N/A
    3.00%
    $15
    None
  • Rebate Description: N/A
  • Special Notes: None
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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.