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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Advanta Platinum Business Card with Rewards Options | |||||
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Issuer:Advanta Credit requirement:Good credit required. 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter 7.99% Variable APR on Purchases Choice of 5% Cash Back or Travel Rewards No Annual Fee and No Limit on Earnings $0 Fraud Liability Personalized card -- your company name on the top of the card Annual Percentage Rate (APR) for Purchases and Balance Transfers: Prime plus 7.99% ; however, for Balance Transfers only, introductory 0% for the first fifteen billing cycles from the date your account is opened. Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 17.99%. Grace Period for New Purchases: 25 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement. Annual Fee: None when you select any Cash Back reward program. Minimum Finance Charge: If any finance charge is applicable: $1. Transaction Fees: for Cash Advances and Balance Transfers Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers processed during the introductory period: 3% (minimum $5; maximum $50). Other Fees Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $20. Dishonored Convenience Check Fee: $20. Apply for Advanta Platinum Business Card with Rewards Options |
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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 Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit).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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