| CREDIT CARDS |
ANNUAL
PERCENTAGE RATE (APR) for Purchases,
Balance Transfers, and Cash Advances |
| CREDIT CARD |
BEACON |
RATE |
| Visa Platinum |
760 & Above |
8.50% |
| |
730 to 759 |
9.50% |
| |
670 to 729 |
11.50% |
| |
620 to 669 |
13.50% |
| |
619 & Below |
16.50% |
| Grace Period |
25 days from statement of closing date for repayment of purchases to avoid finance charges |
| Visa Platinum
Rewards |
760 & Above |
9.50% |
| |
730 to 759 |
11.50% |
| |
670 to 729 |
13.50% |
| |
620 to 669 |
14.50% |
| |
619 & Below |
18.00% |
| Grace Period |
25 days from statement of closing date for repayment of purchases to avoid finance charges |
| MasterCard |
760 & Above |
9.50% |
| |
730 to 759 |
11.50% |
| |
670 to 729 |
13.50% |
| |
620 to 669 |
14.50% |
| |
619 & Below |
18.00% |
| Grace Period |
NONE |
| APPLIES TO ALL CREDIT CARDS |
| Method
of Computing the Balance for Purchases |
Average Daily Balance (including new purchases) |
| Annual
Fee |
NONE |
| Minimum Finance Charge |
NONE |
| Late Payment Fee |
If you fail to pay at least the minimum payment within 2 days after its due date, you will pay a late charge up to $25 |
| Over-the-Credit Limit Fee |
NONE |
| Transaction
Fee for Balance Transfers |
NONE |
| Transaction
Fee for Cash Advances |
3% with minimum of $10 |
