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IVA Information Debt IVA UMBRELLA COMPANIES |
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| MilesEdge® Platinum Visa® Card | |||||
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Issuer:Card issued by FIA Card Services, NA. Credit requirement:Good credit required Card issued by FIA Card Services, NA. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Extended warranty protection. Various travel and emergency assistance services. Medical referral services. Legal referral services. Lost luggage recovery. Emergency airline ticket replacement. No liability for unauthorized Internet transactions. Optional personal photo on card. Discounts on auto rentals. Optional Mini Card. See website for additional benefits. *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 variable risk based rate between Prime + 4.99% and Prime + 12.99% APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 4.99% and Prime + 12.99% APR (Cash Advances): 21.99% Variable* minimum 19.99%. (P+15.99) Finance Configuration: Average Daily Balance (including new purchases)* Annual Fee: $19 Additional Cardholders: $0 Grace Period: 20 Days (Min.) Minimum Credit Limit: $500 Maximum Credit Limit: N/A 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: Points per Dollar in net purchases: 1 Point Bonus Miles: 1,000 upon first use Miles Expiration: Up to 5 years (points expire on the last day of your Billing Cycle that closes in December of the fourth calendar year in which they were earned). Yearly Limit on miles you can earn: 75,000 points *See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions Apply for MilesEdge Platinum Visa Card |
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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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