How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.
How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
These disclosures are accurate as of December 15, 2022 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 430 N. Hamilton Rd., Whitehall, Ohio 43213.