U.S. Bank Visa
Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 1749
Location: Illinois
Posted: Sun Nov 16, 2003 6:32 pm
usbank.com/
U.S. Bank Visa®
Annual Percentage Rate for Purchases: 0%* for the first 6 months. Thereafter: Classic: 9.99 to 18.99% Platinum: 7.99% to 16.99%
Other APRs: Balance Transfers: 0%* for the first 6 months.
Thereafter: Classic: 9.99% to 18.99%
Platinum: 7.99% to 16.99%
Cash Advances: Classic: 19.99%
Platinum: 19.99%
Delinquent Balances:**
Classic: 23.99% fixed
Platinum: 23.99% fixed
*Account must remain open and current (no minimum payment past due) to receive introductory rate.
**The increased APR will apply to all balances in the event the account is 30 days past due once or 5 days past due twice in any twelve month period.
Variable Rate Information: Your annual percentage rate may vary monthly. The rate is determined by adding a margin to the Prime Rate.***
The margin used is as follows:
Purchases and Balance Transfers:
Classic: 5.99% to 14.99%
Platinum: 3.99% to 12.99%
Cash Advances:
Classic: 14.99%
Platinum: 14.99% (subject to a minimum APR of 19.99%)
***The Prime Rate used to determine your APR is the highest Prime Rate published on the last business day of the three most recent calendar months in the Money Rates column of The Wall Street Journal ("WSJ").
Grace Period: 20-25 days for purchases only
Method Of Computing The Balance For Purchases:
Average Daily Balance Method (including new purchases).
Annual Fee: $0 the first year and every year that you charge at least one purchase to the account.
Otherwise Classic: $20
Platinum: $40
Minimum or Fixed Finance Charge $2.00 only in statement periods when interest is due.
There is a fee of $2.50 per month if a voluntarily closed account carries a balance.
Other Fees: Teller and ATM Cash Advance Fee: 4% or $5 minimum
Overdraft Protection Advance Fee: 3% or $5 minimum
Convenience Check Cash Advance Fee: 3% or $5 minimum
Balance Transfer Fee: 3% or $5 minimum
Cash Equivalent Fee: 4% or $10 minimum
Late Payment Fee: $29 or $38****
Overlimit Fee: $35 ****
The fee is determined by the number of occurrences in any period of twelve (12) consecutive months.
This information is accurate as of 11/01/03 . Please contact U.S. Bank National Association ND at P.O. Box 6345, Fargo, ND 58125-6345 or call us at 1-800-285-8585 (TDD 1-800-846-2580) for any changes.
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Forum Moderator
Joined: 07 Nov 2003
Posts: 1749
Location: Illinois
Posted: Sun Nov 16, 2003 6:32 pm
usbank.com/
U.S. Bank Visa®
Annual Percentage Rate for Purchases: 0%* for the first 6 months. Thereafter: Classic: 9.99 to 18.99% Platinum: 7.99% to 16.99%
Other APRs: Balance Transfers: 0%* for the first 6 months.
Thereafter: Classic: 9.99% to 18.99%
Platinum: 7.99% to 16.99%
Cash Advances: Classic: 19.99%
Platinum: 19.99%
Delinquent Balances:**
Classic: 23.99% fixed
Platinum: 23.99% fixed
*Account must remain open and current (no minimum payment past due) to receive introductory rate.
**The increased APR will apply to all balances in the event the account is 30 days past due once or 5 days past due twice in any twelve month period.
Variable Rate Information: Your annual percentage rate may vary monthly. The rate is determined by adding a margin to the Prime Rate.***
The margin used is as follows:
Purchases and Balance Transfers:
Classic: 5.99% to 14.99%
Platinum: 3.99% to 12.99%
Cash Advances:
Classic: 14.99%
Platinum: 14.99% (subject to a minimum APR of 19.99%)
***The Prime Rate used to determine your APR is the highest Prime Rate published on the last business day of the three most recent calendar months in the Money Rates column of The Wall Street Journal ("WSJ").
Grace Period: 20-25 days for purchases only
Method Of Computing The Balance For Purchases:
Average Daily Balance Method (including new purchases).
Annual Fee: $0 the first year and every year that you charge at least one purchase to the account.
Otherwise Classic: $20
Platinum: $40
Minimum or Fixed Finance Charge $2.00 only in statement periods when interest is due.
There is a fee of $2.50 per month if a voluntarily closed account carries a balance.
Other Fees: Teller and ATM Cash Advance Fee: 4% or $5 minimum
Overdraft Protection Advance Fee: 3% or $5 minimum
Convenience Check Cash Advance Fee: 3% or $5 minimum
Balance Transfer Fee: 3% or $5 minimum
Cash Equivalent Fee: 4% or $10 minimum
Late Payment Fee: $29 or $38****
Overlimit Fee: $35 ****
The fee is determined by the number of occurrences in any period of twelve (12) consecutive months.
This information is accurate as of 11/01/03 . Please contact U.S. Bank National Association ND at P.O. Box 6345, Fargo, ND 58125-6345 or call us at 1-800-285-8585 (TDD 1-800-846-2580) for any changes.
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posted by CardRatings.com at 10:49 AM
1 Comments:
Author: Guest
Posted: Tue Nov 25, 2003 1:53 pm
Their minimum finance charge, $2, is outrageous. Banks are raising minimum finance charges and lowering grace period.
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