A quick response will be appreciated Over-the-limit fee: $40Bounced-check fee: $40NotesIntroductory rate: Eligibility for the introductory rate is subject to yourmaintaining good credit. The rate indicated in this offer is subject to change toreflect changes in the prime rate (see below) at the time of your application.Default rate: All your APRS may increase if you default under any Card Agreementthat you have with us, because you fail to make a payment to us when due, youexceed your credit limit, or you make a payment to us that is not honored. Factorsconsidered when determining your default rate may include the length of time youraccount with us has been open; the existence, seriousness, and timing of defaultsunder any Card Agreement you have with us; or other indications of account usageand performance on this or any other account you have with us.Prime rate: The prime rate (currently 4%) used to determine your APRS for eachbilling period is the U.S. prime rate published in the Wall Street Journal twobusiness days prior to the billing date for that billing period.This credit account carries a temporary low introductory rate (teaser rate) of%. This teaser APR applies to purchases made within the firstmonths that the account is open. After this introductory period, the APR for purchases reverts to a higher variable APR. This regular APRfor purchases is calculated by adding| % to the U.S. prime rate (assumed to be 4% in the disclosure). Therefore, if the U.S. prime rateremains at 4%, then the regular APR for purchases is%.| %. But after the introductory period, the APR for balance transfers reverts to the| % to the prime rate (assumed to be 4%).For balance transfers, the introductory (teaser) APR ishigher APR of%. The regular APR for balance transfers is calculated by addingThis account does not have an introductory (teaser) APR for cash advances. For cash advances, the APR is calculated by adding% to theU.S. prime rate (cited at 4% in the disclosure). Therefore, variable APR for cash advances is at least%.These introductory and regular rates apply as long as you have not defaulted on any terms of the account. To receive these rates, you must make nolate payments, you must not exceed your credit limit, and your payment checks must not bounce. If you fail to meet any of these terms, then you willbe charged at the much higher default rate. According to the disclosure, the default rate is calculated by adding% to the U.S. prime rate(cited at 4% in the disclosure). Therefore, if you assume a prime rate of 4%, then the variable default rate is%. Interest Rates and FeesAs required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the CreditCard Agreement sent with the card. Account terms are not guaranteed for any period of time; all terms, including the APRS and fees,may change in accordance with the Agreement and applicable law.Annual Percentage Rate (APR) forThe introductory rate (see notes below) is 3.99% until the first billing after thepurchasessix-month anniversary of opening the account.After that, your rate will be 10.99% (variable rate).Other APRS (all other APRS are variable)Balance transfers: The introductory rate is 0% until the first billing after the six-month anniversary of the opening of the account.After that, your rate will be 10.99%.Cash advances: 18.99%Default rate: 28.99% (see notes below)Variable-rate informationYour APRS may vary during each billing period. The rate for purchases andbalance transfers is determined by adding 6.99% to the prime rate (see notesbelow). The rate for cash advances is determined by adding 14.99% to the primerate, but such a rate will never be below 18.99%. The default is determined byadding no more than 24.99% to the prime rate.Grace period for repayment of purchases Not less than 14 days if you pay your total new balance in full each billing periodby the due date. Payment must be received by 5:00 PM on the due date. There isno grace period for balance transfers and cash advances.Method of computing the balanceAverage daily balance (including new purchases)Annual fee$50Minimum finance charge$0.50Miscellaneous feesTransaction fee for cash advances: 2% of the amount of the transaction butnot less than $25Transaction fee for balance transfers: 2% of the amount of the transfer but notless than $30. There is no balance transfer fee during the six-month introductoryperiod.Late fee: $10 on balances up to $500; $40 on balances over $500Over-the-limit fee: $40

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The introductory rate is 3.99%
This rate applies within the…