What is a Penalty APR and how does it work?

A Penalty APR is a higher APR that may apply to your account if we do not receive the total minimum payment due on your account by the payment due date two or more times during any 12 consecutive billing cycles. Once the penalty APR is applied, your APRs will increase and may apply to all new transactions. Your account will be reviewed over time to determine if a lower APR is appropriate.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

What is a Returned Payment Fee and how does it work?

A Returned Payment Fee is a fee that may apply to your account if any form of payment you make is not honored, returned unpaid or cannot be processed for any reason.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

When is interest charged on my account?

The type of transaction you make determines when interest is charged on your account.

If you make a purchase, generally we charge interest from the day you make the purchase until you pay it in full.

• You can avoid interest on new purchases (except some promotional purchases) if you have no balance at the start of your billing cycle or you pay your balance in full each month.
• If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. This interest, plus interest on that interest, will be reflected on your next billing statement.

If your account allows you to make a balance transfer or cash advance, we charge interest from the day you make this type of transaction until you pay that balance in full. You cannot avoid interest on these types of transactions or their related fees.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

What is a Paper Statement Fee and how does it work?

A Paper Statement Fee is a fee that may be charged in any billing cycle you are sent a monthly billing statement in paper form (even if one is also provided to you in electronic form).

You can choose to receive your monthly billing statements through the mail or in electronic form. You can avoid the monthly fee if you are sent your statement only in electronic form.

You can choose your statement preference following these easy steps using the servicing site URL provided on your statement:

Not registered yet?

1. Sign up for online access
2. Select paperless statements.

Already registered?

1. Log in to your online account
2. Click on Statements
3. Follow the instructions on the screen.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

How do I register my account for online servicing?

Go to the online servicing URL that can be found on your statement and click the “Register” link. Enter the account number from your card and follow the on-screen registration instructions to set up your User ID and Password.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

How do I change from paper statement to paperless?

You can choose your statement preference following these easy steps using the servicing site URL provided on your statement:

Not registered yet?

1. Sign up for online access
2. Select paperless statements.

Already registered?

1. Log in to your online account
2. Click on Statements
3. Follow the instructions on the screen.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

I signed up for paperless but also get a paper statement I no longer want to receive. What should I do?

You can choose your statement preference following these easy steps using the servicing site URL provided on your statement:

Not registered yet?

1. Sign up for online access
2. Select paperless statements.

Already registered?

1. Log in to your online account
2. Click on Statements
3. Follow the instructions on the screen.

Please note that if you recently opened your account online, you may receive both paper and paperless statements for the first two billing cycles even if your account is already set up for paperless statements. You will not be charged any otherwise applicable Payment Statement Fee during these two billing cycles.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.

What if I have additional questions?

Login to your online servicing account and click the online chat button or call Customer Service at the number shown on your billing statement or on the back of your card.

Keep in mind this is general information and may not apply to your specific cardholder agreement terms.