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| Bank of America EfectivaTM Platinum Plus® Visa® | |||||
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Issuer:Card issued by FIA Card Services, NA. Credit requirement:Good credit required Card issued by FIA Card Services, NA. No annual fee Customer communications are sent in Spanish and English 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Total Security Protection Various Internet account related services. Auto rental insurance. Various travel and emergency assistance services. Free Year-End Summary Statement Lost luggage recovery. No liability for unauthorized Internet transactions. Discounts on auto rentals. Optional Mini Card. See website for additional benefits. Optional Purchase Guard *See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99% APR (Balance Transfers): Intro Rate - 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99% APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%) Finance Configuration: Average Daily Balance (including new purchases)* Annual Fee: None Additional Cardholders: $0 Grace Period: 20 Days (Min.) Minimum Credit Limit: $500 Maximum Credit Limit: $25,000 Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000 Over-The-Limit Fee: $35 Cash Advance Fee: 3%, $10 minimum Balance Transfer Fee: None Reward Program Details
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions Apply for Bank of America Efectiva Platinum Plus Visa |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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