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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Asiana Visa® Platinum | |||||
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Issuer:Card issued by FIA Card Services, NA. Credit requirement:Good credit required. Card issued by FIA Card Services, NA. Miles can be used for award travel on Star Alliance member airlines Up to $1,000,000 in travel accident insurance. Toll free, 24 hour customer service** Free Photo Security Option Total Security Protection Pacakge Complimentary 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 - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 6.99% and P + 10.99% APR (Balance Transfers): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 6.99% and P + 10.99% APR (Cash Advances): 21.99% Variable* minimum 19.99%. (P + 15.99%) Finance Configuration: Average Daily Balance (including new purchases)* Annual Fee: $80 Additional Cardholders: $0 Grace Period: 20 Days (Min.) Minimum Credit Limit: $2,000 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 Foreign Currency Conversion Fee: 3% of foreign transaction 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 Asiana Visa Platinum |
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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 Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit).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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