You've earned cash back rewards only when they're processed, which may be after the transaction date. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.Ĭashback Match: Only from Discover, as of April 2023. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Variable APRs will vary with the market based on the Prime Rate. Standard purchase APR: x% - x% variable, based on your creditworthiness. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Presently, the GST rate for banking and financial services is at 18%.Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. The Goods and Service Tax or GST is applicable on all Credit Card transactions. If you spend beyond the threshold limit, your Bank will charge an Over-the-Limit Fee which can be around 2.50% on the over-limit amount. You are assigned a credit limit based on the type of Credit Card. It is usually around 3.50% and is charged as a percentage of the transaction amount. In case you fail to pay the minimum amount, a late payment fee is charged.Īlthough some Credit Cards are accepted globally, you will still have to incur an extra transaction fee if you are swiping in a foreign country. If you are unable to pay the outstanding amount, the Bank will notify you to pay the minimum amount. Interest Charges are levied on all new transactions and on outstanding dues, due to non-payment by the due date. It is usually followed by an Annual Charge. It varies from bank to bank and on the type of card you apply for. The Joining Fee is an initial cost to own the Card. Are you familiar with the charges applicable on your Credit Card transactions? Let’s find out more about the six common types of Credit Card charges:
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