The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 13.74, 17.74 or 21.74 percentage points. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. We will determine your margin and APR based upon our review of your application and your credit history.
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Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.ģ As of. Rates can vary based on our review of your application and credit history. Each balance transfer check will have a fee of either $10 or 3% of the amount of each transfer, whichever is greater. Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.Ģ 0% introductory APR is for your first 18 billing cycles after that you will be charged your standard variable APR for purchases. Each balance transfer check will have a fee of either $10 or 4% of the amount of each transfer, whichever is greater. Credit cards are issued by Citizens Bank, N.A.ġ 0% introductory APR is for your first 15 billing cycles after that you will be charged your standard variable APR for purchases. Mastercard is a registered trademark, the circles design is a trademark of Mastercard International Incorporated. Wireless carrier, text and/or data charges may apply. You should do your own research and/or contact your own legal or tax advisor for assistance with questions you may have on the information contained herein.Īll accounts are subject to individual credit approval.Ĭertain conditions, restrictions and exclusions apply.įull terms and conditions will be sent when you become a card member. The information contained herein is for informational purposes only as a service to the public, and is not legal advice or a substitute for legal counsel, nor does it constitute advertising or a solicitation. Disclaimer: Views expressed may not necessarily reflect those of Citizens.
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