Int Finance Essay

2476 Words Dec 15th, 2013 10 Pages
10/3/13

Secure Credit Card Application - Barclaycard

Legal Terms and Conditions
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

22.99%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

22.99% This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

25.24% This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 27.24%, based on your creditworthiness. This APR may be applied to your account if you make a late payment. This APR will vary with the market based on the Prime Rate. How Long Will the
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If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”. Terms and Conditions Continued: Fees that Vary by State: Late Payment Fee: Up to $35 (Up to $15 for residents of Iowa at time of account opening). Returned Payment: Up to $35 (Up to $15 for residents of Iowa at time of account opening). The Annual Percentage Rate (APR) For Your Initial Apple Purchase(s) 1. If your total Apple purchases made within the first 30 days equal less than $499.00**: Qualifying Apple purchases that post to your account for less than $499 (a “Deferred Financing Purchase”) will receive a 180 day (approximately 6 months) no https://www.barclaycardus.com/apply/Application.action 1/3

10/3/13

Secure Credit Card Application - Barclaycard

interest /deferred financing promotion for which interest will be deferred for 180 days provided that timely payments are made on the account and the Deferred Financing Purchase is paid in full on or before the 180th

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