RATE, FEE AND OTHER COST INFORMATION
Annual Percentage Rate (APR) for purchases |
A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that, or if your payment is late during the introductory period, 13.24% variablea or 16.24% variable, depending on our review of your application and credit history. For each qualifying Disney vacation package purchase,b provided your account is not past due on the purchase date: 0% for the first six billing cycles following the purchase date (promotional period). |
Other APRs |
Balance Transfer APR: A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that, or if your payment is late during the introductory period, 13.24% variable or 16.24% variable, depending on our review of your application and credit history. Cash Advance APR: 19.24% variable Late Payment APR: Late twice in any six-month period: 24.24% variable on all balances. Late once during any promotional period: 13.24% variable, 16.24% variable, or 24.24% variable depending on the number of late payments prior to the promotional period. Overdraft Advance APR: 13.99% fixed (not available in some states) |
Variable rate information |
The following APRs may vary monthly based on the Prime Rate:c Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 9.99% or 12.99% for outstanding and new balances, if your payment is late during the introductory period, or after the introductory period. Cash Advance APR: The Prime Rate plus 15.99%. Late Payment APR: The Prime Rate plus 20.99% on all balances if late twice in six months, but not more than 27.99%. |
Grace period for repayment of purchase balances |
At least 20 days. |
Method of computing the balance for purchases |
Average daily balance method (including new purchases). |
Annual fee |
None |
Minimum finance charge |
$1.00 |
| Transaction fee for balance transfers |
3% of the amount of each transaction, but not less than $5.00 nor more than $249.00. |
| Transaction fees for cash advances |
3% of the amount of the transaction, but not less than $5.00. |
| Late Payment fee |
$15.00 if the balance is up to and including $250.00; $39.00 if the balance is over $250.00. |
| Over-the-Credit-Limit fee |
$29.00 |
| International Transaction fee |
3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. |
aRates, fees, and terms may change: We reserve the right to change the account terms (including the APRs) at any time for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account. The APRs for this offer are not guaranteed; APRs may change to higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. Any changes will be in accordance with your account agreement.
bCertain restrictions and exclusions apply. You will receive complete terms and conditions once you become a cardmember.
cThe "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Variable APRs are based on the 3.25% prime rate on 12/22/2008.
TERMS & CONDITIONS
Authorization: When you respond to this credit card offer from Chase Bank USA, N.A. ("Chase", "we", or "us"), you agree to the following:
Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a card with different costs or you may not receive a card.
You must be at least 18 years old to qualify (19 in AL and NE).
We reserve the right to change the benefit features associated with your card at any time.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all customers, and that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of the adverse obligation. All obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse. Married Wisconsin residents must furnish their (the applicant's) name and social security number as well as the name and address of their spouse to Cardmember Service at P.O. Box 15218, Wilmington, DE 19850-5218.
Balance Transfer Option: The Visa,® MasterCard,® Discover,® American Express® or any store card account(s) you list will show a credit, reducing the amount you owe them by the amount you transferred. The available credit on your new account will be reduced, just as if you had made a purchase. The balance transfer amount(s) will show up on your initial statement for your new account. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other credit card company directly. It may take up to three weeks to set up your account and post the balance transfers. Therefore, you may need to make payments to your other account(s) to keep them current. Balance transfers are contingent upon issuance of your new account. There will be a transaction fee for each balance transfer if one is disclosed in the Rate, Fee and Other Cost Information that accompany this offer. We reserve the right to decline to process any partial or full balance transfer request and will not process a balance transfer request from any other account with us or any of our affiliates.
Affiliate Information Sharing: Chase Bank USA, N.A. is part of JPMorgan Chase & Co. We and our JPMorgan Chase & Co. affiliates may share information about you among affiliates in order to offer products and services of interest to you. If you would prefer that we do not share information from your application, credit bureaus or third parties, please call us at 1-888-868-8618. For more information about our information handling policies, visit us on the web at: http://www.chase.com/privacypolicy.
Replying to this offer: If you omit any information on the form, we may deny your request for an account. You must have a valid permanent home address within the 50 United States or the District of Columbia. The information about the costs of the card described in this form is accurate as of 12/22/2008. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.
USA Patriot Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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