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Credit Cards Rates & Terms:
Current Rates for: 09/01/2009
Rates are subject to change at anytime without notice.

 
VISA® Platinum
VISA® Platinum Rewards
ANNUAL PERCENTAGE RATE (APR) for Purchases and Balance Transfers
As low as 9.24% variable (1)
As low as 10.24% variable (1)
OTHER APRs Cash Advance APR: 18.00% variable
Non-performance APR: 18.00% variable (2)
Grace Period At least 25 days for purchases and balance transfers if you pay your new balance for puchases and balance transfers in full each billing period before the due date. There is no grace period for cash advances.
Method of Computing the Balance for Purchases & Cash Advances Average daily balance (including new transactions)
Annual Fees None
Minimum Finance Charge None

APR = Annual Percentage Rate

(1) Your APR for purchases and balance transfers will equal the sum of the Prime Rate as listed in the Money Rates Section of the Eastern edition of The Wall Street Journal on the last business day of each month, plus a margin based upon your cumulative credit history. Changes in the Prime Rate will cause changes in the APR. Changes in the APR as the result of changes in the Prime Rate will be effective on the first day of the next month following one full billing cycle after any change in the Prime Rate. In addition, a margin based upon your cumulative credit history will be added to the Prime Rate for the purpose of determining you APR.

The information about the costs of the card(s) described in this page is accurate as of 09/01/2009. Refer to the Service Charge Schedule for a list of additional fees. To find out what may have changed, call us at 407.277.5045 or write us at 3075 N. Alafaya Trail, Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR.

(2) Non-Performance (Penalty) APR: If your Account becomes thirty (30) or more days past due two (2) or more times in a six (6) month period, OR your account becomes sixty (60) days past due, FINANCE CHARGES on your entire balance will be calculated at the Non-Performance (Penalty) APR of the Prime Rate plus 17.99%, subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law. When you have made six (6) consecutive monthly payments of not less than the required Minimum Payment on or before your monthly due date, your APR will revert to your current available variable APR.

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