|Interest Rates, Interest Charges and Monthly Cash Rebate|
|Annual Percentage Rate (APR) for Purchases||Introductory Fixed APR for the first 6 Billing Cyles1; after that, a regular APR of Prime + 4.9%, Currently|
|Other APRs||Cash Advance APR: 18.0%, Default APR: 18.0%2|
|Variable Rate Information||Your APR for Purchases may vary. The regular APR for Purchases is determined for each Billing Cycle by adding a Margin of 4.9% to the Prime Rate3 (which corresponds respectively to the APRs shown above2)|
|Grace Period for Repayment of Purchase Balances||You have a month to repay your balance before a finance charge on new Purchases will be imposed.|
|Method of Computing the Balance for Purchases||Average Daily Balance (including new Purchases)|
|Minimum Finance Charge||$0.50|
|Transaction Fee for Purchases||None|
|Balance Transfer Fee||Either $10 or 3% of the amount of each transfer, whichever is greater.|
|Late Payment Fee||$35|
|Over Limit Fee||$35|
|Returned Payment Fee||$30|
|Monthly Cash Rebate||You will receive a 0.50% Cash Rebate on your net purchases from the previous billing cycle. We may, from time to time and in our sole discretion, change or limit any aspect of the Cash Rebate and its rules, restrictions, benefits, or features, in whole or in part, including, but not limited to, suspending, or terminating all or part of the Cash Rebate, with or without prior notice to you (except where required by law). We also reserve the right to add any Program membership or other fees, or fee increases, if any. Our decisions regarding the program are final.|
1 If we fail to receive your Minimum Payment by the Payment Due Date during the Introductory Period, your Introductory Rate will terminate, and the applicable Regular Rate will apply, beginning on the first day of the first Billing Cycle which begins following such failure.
2 Beginning on the first day of your first Billing Cycle which begins following your account becoming 30 days past due for two consecutive Billing Cycles.
3 The Prime Rate used is the highest “Prime Rate” as published in The Wall Street Journal on the last day of the month in which the Billing Cycle began or, if not published that day, on the next day published. The information about the costs of the cards described in this application is accurate as of April 2023. This information may have changed after that date. To find out what might have changed, please call us at 1.800.844.2300 or write to us at: Credit Card Center, P. O. Box 114, Jackson, MS 39205-0114.
Rev. 5/19/23 WSJ Prime Rate 8.25%