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d. Additional card fee-This can be a one-time fee or an annual fee for
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choose to have an additional card).
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1 o e i ac l t o r aa c r d ad o p n a s n f e ea eh d o a l e o r usa d aa c . h eh dh y s a a e
t e ca n
1 )H ww wlc l uaey ub l n eCe ic r c m a i sc nu eo eos v r lm t o st c l u t y uo t t n i gb l n eT em t o t e u ec nm k a
i i r n enh nee t h r e o ’ a . i ufh ad ac l e o r a c :
l n a a
b dee c i t ei t r sc ag sy up yF do tit ec r c l u t sy ub l n e
gf
a. using average
balance or adjusted
balance, b. by
including or
excluding new
purchases .
Depending on the balance you carry over and the timing of
your purchases and payments, you’ll usually have a lower
finance charge with:
a. the adjusted balance method,
b. the average daily balance
method , excluding new
purchases, or c. the previous
balance method.
ri o s f a e c ao t s
Descpti n obal nc cal ul ti nmehod :
dj se aa c eh d e aa esh usa d g aa c th e n n fh i g y e i u m ns n r dis a e ui gh i g
A u t db l n e m t o .Th b l nc i t eo t t n in b l n eat eb gi ni got ebln c cl ,mn spay e t a dce t m d d rn t ebln
ye
c cl .
v r g al aa c eh dn l dn e uc a e . h a c sh u fh usa d a c so v r a nh i y l i l i e uc a e n
a n a n
l en u n
A ea ed iyb l n em t o ,i cu i gn wp r h s sT eb l n ei t es mot eo t t n i gb l n e f re eyd yi t eb gc c ( c d gn wp r h s sa d
e u t a m ns n r d ) i d d yh u b r f a snh i y l
n t v l e
n
d d ci gp y e t a dce isdi e b t en m eod y i t eb gc c .
v r g al aa c eh d x l dn e uc a e . h a c sh u fh usa d a c so v r a nh i y l e c i e uc a e n e u t a m ns n r d )
a n a l e un
n n t
A ea ed iyb l n em t o ,e cu i gn wp r h s sT eb l n ei t es mot eo t t n i gb l n e f re eyd yi t eb gc c ( x l d gn wp r h s sa dd d ci gp y e t a dce is
i d d yh u b r f a snh i y l
v l e
n
d i e b t en m eod y i t eb gc c .
r vo s aa c eh d h a c sh usa d a c th e i i fh i y l
a n a nn n
l e
Pe i u b l n em t o .T eb l n ei t eo t t n i gb l n eat eb g n got eb gc c .
2
1
L
o
s
)P
fR
iA
n
t
r
du
c
y
Ifyourcardhasaspecial,lowerratethatiscalledan“introductoryrate,”thisareawillistthewaysthatyoucanlosethislowerrate.Forthefirstyearafteropeninganaccount,youcanonly
loseanintroductoryrateifyouraccountbecomesmorethan60dayspastdue.