View original document

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

. ... f·co~·-. .
--------------------------------------:
·. -

FEDERAL RESERVE statistical release
f~
--------------------------------------:

••

s!l..1iiii;IB;Jif"

••

E.5 (115)

......
L II:

f:-:

••

March 15. 1994
REPORT ON THE TERMS OF CREDIT CARD PLANS

Every six months the Federal Reserve System collects and
publishes a report on the terms of credit card plans offered by
financial institutions. This report includes information from the
largest card issuers in the country. as well as any other financial
institution that has indicated to the Federal Reserve System that it
would like to participate in the report.
This report has two parts.
Part one includes the attached
summary table that displays selected credit terms. such as the annual
percentage rate, annual fee and length of any grace period, applicable
to each creditor's largest credit card plan. The table includes
information about whether the credit card plan is available throughout
the country or only in certain states. The terms shown in the
summary table for a particular credit card issuer are those that pertain
to the greatest number of states.
If a creditor's terms vary across
states the differences are shown in the Appendix to the table. Also
shown in the summary table are the telephone number or mailing address
that may be used to obtain an application for the credit card. The card
issuers are listed alphabetically.
Part two of the report contains more complete credit term
information about each issuer's largest credit card plan.
In addition
to the items provided in Part one, it includes information regarding
late payment and minimum finance charges, transaction fees for cash
advances and purchases, any over-the-limit charge and the name of the
b.qlance computation method. Most of this information is shown by state
if a creditor's terms differ across the country. This table also
includes a mailing address and telephone number that may be used to
contact the creditor to obtain a credit card application.
Part two of
this report may be obtained upon request from the Freedom of Information
Office, Board of Governors of the Federal Reserve System, Room B-1122
Washington, D.C .. 20551.
The credit terms listed in this report are as of the date
listed and are subject to change. Consequently. users of the report
should contact the credit card issuer to check on current rates and
terms.
This report does not include information about the credit
standards established by card issuers.
Questions about the construction of this report or about how a
card issuer may participate should be directed to the Federal Reserve
Bank in your local area.
If you desire an annual subscription to Part one of the
semiannual Report on the Terms of Credit Card Plans, please send a check
for five dollars payable to the Board of Governors of the Federal
Reserve System, to Publications Services, Stop 138, Board of Governors
of the Federal Reserve System, Washington, D.C., 20551.


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

•· • i: co·i: ·..
..
..
---------------------------------------------------------:.
. ·.----FEDERAL RESERVE statistical release
::
r.
---------------------------------------------------------:
~:----.•
.
·. --~~~~~ .. ·
~~~Ji:~

E.5 (115)

Terms of Credit Card Plans
Part I: Summary of Key Terms

Institution,
credit card plan name
and availability A

Number
1

January 31, 1994

ABBOTT BK
VISA/MASTERCARD STANDARD,

2

AFBA IND BK
VISA, N

3

AttALGANATED BK CHICAGO
STANDARD ttASTERCARD.

I

Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricingB IndexclMarginDIMultipleE Cdays)F
featuresG
fee
16.30, V

9

3.00

12 . .50, V

1

12.00, V

1

2.5

0.00

2,3,4,6,

(800)288-6844

6.00

2.5

0.00

N.R.

(800)473-52.52

6.00

2.5

0.00

3,4,

(312)822-3130

0.00

N

N

•

SEE APPENDIX FOR ADDITIONAL INFORNATION ABOUT AVAILABILITY OR DIFFERENT TERNS ACROSS STATES.

A.

CODE FOR AVAILABILITY OF CARD TO CONSUNERS:
N = NATIONAL, R = ONLY IN SELECTED STATES,

B.

C.
D.
E.

STATE ABBREVIATION= ONLY IN STATE SPECIFIED

CODE FOR TYPE OF INTEREST RATE PRICING:
F = FIXED, V = VARIABLE,
T = TIERED (RATE CHANGES WITH THE LEVEL OF OUTSTANDING BALANCE.
THE
1 =
.5 =
THE
THE

Telephone
number
to obtain
application

THE RATE SHOWN APPLIES TO THE LOWEST OF THE BALANCE TIERS)

INTEREST RATE ON VARIABLE RATE PLANS IS BASED ON AN INDEX. THE CODE IN THE TABLE INDICATES WHICH OF THE FOLLOWING INDEXES THE PLAN USES.
PRINE RATE, 2 = ONE~MONTH TREASURY BILL RATE, 3 = THREE-MONTH TREASURY BILL RATE, 4 = SIX-MONTH TREASURY BILL RATE,
ONE-YEAR TREASURY BILL, 6 = FEDERAL FUNDS RATE,
7 = COST OF FUNDS, 8 = FEDERAL RESERVE DISCOUNT RATE, 9 = OTHER.
NUMBER OF PERCENTAGE POINTS THE INSTITUTION ADDS TO THE INDEX RATE TO CALCULATE THE RATE CHARGED.
NUNBER BY WHICH THE INSTITUTION MULTIPLIES THE INDEX OR THE INDEX PLUS MARGIN TO CALCULATE THE RATE CHARGED.

F.

A GRACE PERIOD INDICATES THAT NO INTEREST WILL BE CHARGED FOR CREDIT EXTENDED ON PURCHASES IF PAYMENT IN FULL IS RECEIVED WITHIN THE STATED NUMBER OF
DAYS AFTER THE END OF THE BILLING PERIOD IN WHICH THE PURCHASE WAS MADE. GENERALLY A GRACE PERIOD ALLOWS CUSTOMERS TO AVOID INTEREST CHARGES ON
PURCHASES IF THEY ALWAYS PAY THEIR CREDIT CARD BILL IN FULL BY THE DUE DATE Of THE BILL. GRACE PERIODS USUALLY DO NOT APPLY TO CASH ADVANCES WHICH
BEGIN ACCRUING INTEREST FRON THE DAY OF THE TRANSACTION. IN THIS REPORT A GRACE PERIOD Of ONE MONTH IS REPORTED AS 30 DAYS.

G.

THE
1 =
5 =
8 =

FOLLOWING CREDIT CARD PLAN ENHANCEMENTS ARE AUTOMATICALLY INCLUDED IN THE CREDIT CARD PLAN WITHOUT ADDITIONAL CHARGE.
REBATES ON PURCHASES; 2 = EXTENSION OF MANFACTURERS WARRANTY; 3 = PURCHASE PROTECTION/SECURITY; 4 = TRAVEL ACCIDENT INSURANCE;
TRAVEL RELATED DISCOUNTS; 6 = AUTOMOBILE RENTAL INSURANCE; 7 = DISCOUNTS ON SELECTED GOODS OR SERVICES (OTHER THAN TRAVEL RELATED);
CREDIT CARD REGISTRATION; 9 = OTHER (NOT SPECIFIED).

N.R. = NOT REPORTED;

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

= NOT APPLICABLE.

Annual
percentage
Telephone
For variable rate
rate and
Grace
nUfllber
plans
type of
period Annual
to obtain
Other
pricingB lndexclMarginDIMultipleE Cdays)F
fee
features 6 .application

Institution,
credit card plan name
and availability A

Number
I(

4

ANERICAN EXPRESS CENTURION BK
OPTIHA CARD, R

14.25, V

I(

5

AHERICAN GEN FNCL CTR
THE.HORE CARD VISA,

I(

I(

I(

25

25.00

19.80, F

25

0.00

1

8.25

2,3,4,6,9

(800)635-5955

N.R.

(812)828-6673

R

6

AHERICAN SVG BK FA
VISA CLASSIC, CA

18.90, F

25

18.00

4,

(8001788-7000

7

AHSOUTH BK BIRNINGHAH NA
HASTER CARD, R

19.50, F

25

15.00

4,

(205)326-5700

8

ASSOCiATES NB DE
NASTERCARD, N

16.40, V

30

0.00

N.R.

(800)533-5600

9

BANK IV KS NA
VIS,A , N

17.76, F

25

15.00

N.R.

(800)333-5221

10

BANK Of ANER NA
VISA CLASSIC,

1

10.4

16.90, V

1

9.00

25

18.00

N.R.

(800)243-7762

1

9.00

25

18.00

N.R.

(800)243-7762

R

11

BANK OF AHER NT&SA
VISA CLASSIC, R

16.90, V

12

BANK OF BALTIHORE
VISA, N

15.90, F

25

15.00

4,

(8001252-9002

16.80, F

30

15.00

4,

(800)544-2920

17.90, T

25

18.00

4,5,8,9

(800)762-2273

16.50, F

25

15.00

2,3,4,b,

(808)543-9611

21.00, F

25

39.00

N.R.

(605)339-0128

• 13

BANK OF CA NA
STANDARD MASTERCARD,

14

BANK OF DE
VISA, N

15

BANK OF HI
VISA CLASSIC CARD,

16
17
18
19

• 20

BANK OF HOVEN
BANK OF HOVEN VISA,

R

HI
N

BANK OF HONTANA
BANK OF HONTANA BANCARD - HASTERCARD,
BANK OF NY DE
HASTERCARD,

1

5.75

25

19.00

N.R.

(800)735-5536

11. 00, V

1

5.00

0

0.00

N.R.

(800)942-1977

15.90, V

1

9.90

25

o.oo

N.R.

C2lbl972-1322

17.45, V

1

9.45

25

20.00

2,3,4,9

(800)862-2427

N

BANK ONE AKRON NA
VISA, OH
BANK ONE AZ NA
STANDARD HASTERCARD /VISA,


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

11.75, V

N

R

Number

Institution,
credit card plan name
and availabilityA

21

BANK ONE CINCINNATI
VISA, N

22

Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricing 8 IndexclMarginDIMultipleE Cdays)F
fee
features 6

Telephone
number
to obtain
application

19.80,

V

l

9.90

25

20.00

N.R.

(513)985-5706

BANK ONE CLEVELAND NA
NASTERCARD, OH

13.90,

V

l

7.90

25

20.00

N.R.

l2161352-S993

23

BANK ONE COLuttBUS NA
VISA CLASSIC, N

15.90,

V

l

9.90

25

20.00

N.R.

(614)248-9412

24

BANK ONE DAYTON NA
VISA-CLASSIC, N

18.00,

F

0

20.00

N.R.

(513)449-1471

25

BANK ONE YOUNGSTOWN NA
VISA, N

15.90,

V

l

9.90

25

20.00

N.R.

(216)743-8024

26

BARNETT BK OF BROWARD CO NA
CLASSIC VISA, FL

15.90,

V

l

9.90

25

o.oo

4,9

(880)323-6276

27

BARNETT BK OF TAMPA
CLASSIC VISA, FL

15.90,

V

l

9.90

25

o.oo

4,9

(800)323-6276

28

BAYBANK
MASTERCARD CLASSIC

14.90,

V

l

8.90

25

21.00

3,4,8,

(800)221-3393

l

9.30

25

o.oo

N.R.

(800)466-6420

25

15.00

4,9

(800)476-4228

0

0.00

N.R.

SEE APPENDIX

25

12.00

4,9

SEE APPENDIX

25

20.00

4,6,9

(800)334-1073

NA

,

N

• 29

BOATNENS BK OF DE
NASTERCARD, R

15.30,

V

• 30

BRANCH'BKG&TC
NASTERCARD,

18.00,

F

R

31

BROADWAY NB
VISA, TX

13.92,

V

• 32

CENTRAL'BK
VISA. , R

18.00,

F

9.00,

V

15.60,

F

25

15.00

N.R.

(800)388-5634

19.80,

F

30

20.00

2,3,4,7,9

l800)441-768l

17.80,

F

25

20.00

3,4,9

(800)648-3355

15.90,

V

25

40.00

1,4,9

(800)937-5000

33

CENTRAL CAROLINA B&TC
HASTERCARD GOLD, N

34

CENTRAL 'FIDELITY NB
NASTERCARD, VA

35

CHASE HNHTTN BK USA
VISA/NASTERCARD,

36
37

CHENICAL BK
MASTERCARD,

l

2.00

1.50

N

N

CHEVY CHASE SVG BK FSB
VISA GOLD, N


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

4

l

9.90

Institution,
credit card plan name
and availability A

Number
38

39

40

• 41
42

43

• 44

• 45

• 4o
• 47

1t

CITIBANK SOUTH DAKOTA NA
CITIBANK CLASSIC MASTERCARD & VISA,
CITIZENS TC
CITIZENS VISA CLASSIC,

20

o.oo

N.R.

(800)950-5114

0

o.oo

N.R.

(800)922-9999

25

o.oo

N.R.

(800)492-2500

25

12.00

N.R.

(800)933-4433

15.90, F

25

12.00

9

(800)543-8227

lo.75, F

25

15.00

4,

(800)841-0012

15.40, V

1

9.40

14.50, F

N
17.95, V

1

9.95

COLORADO NB
VISA., R

14.90, V

1

8.90

COLUMBUS BK CO
VISA ,.CLASSIC ,

1.00

N

CONERICA. BK-DETROIT
CO~fRICA CLASSIC CARD.

I

N

COMMERCE ~K OF KANSAS CITY NA
SPECIAL CONNECTIONS VISA/MASTERCARD,

R

COMMERCE BK OF OMAHA NA
SPECIAL CONNECTIONS VISA/MASTERCARD,

R

COHHERCE BK OF SPRINGFIELD NA
SPECIAL CONNECTION MASTERCARD,
COMPASS BK
MASTERCARD,

Other
features 6

Telephone
number
to obtain
application

N

COLONIA.L NB USA
VIS-A , N

lo.50, V

1

7 .40

25

o.oo

4,9

(800)045-2103

lo.SO, V

1

7.40

25

0.00

4,9

(800)045-2103

lo.SO, V

1

7.40

25

o.oo

4,9

(800)045-2103

12.90, V

1

o.9o

25

2.0.00

N.R.

(800)239-5175

17.80, V

1

8.80

25

20.00

N.R.

(800)833-3010

15.90, F

25

20.00

4,9

l800)3o8-7700

19.80, F

25

20.00

N.R.

(005)336-3933

R
9.90

R

48

CORESTATES BK OF DE
VISA, R

49

CRESTAR BK
VISA CLASSIC,

50

Annual
percentage
For variable rate
rate and
Grace
plans
type of
period Annual
pricing B IndexclMarginDIMultipleE (days)F
fee

NA

N

DIAL BK
DIAL BANK MASTERCARD/VISA,

N

1t

51

EQUITY BK FOR SVG FA
VISA, R

17.90, F

30

15.00

N.R.

(800)450-2273

1t

52

EUROPEAN AMERICAN BK
MASTERCARD, R

16.75, F

25

20.00

N.R.

(516)296-6028

53

FCC NB
VISA,

19.80, V

25

20.00

4,9

(800)368-4535

25

20.00

9

(800)753-2900

54

FIDELITY NB
VISA CONSUMERS CARD,


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

1

9.90

N
15.90, F
N

Number
55

Institution,
credit card plan name
and availability A
FIDELITY TC
ttASTERCARD /VISA,

Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricingB IndexclMarginDIMultipleE Cdays)F
fee
features 6
15,90, V

l

9.90

25

o.oo

N

2,3,4,5,6,

Telephone
number
to obtain
application
(800)323-5353

8,

30

18.00

N.R.

(513)744-8573

25

15.00

N.R.

(800)828-6893

25

20.00

lt,5,

(800)285-8585

18.00, F

25

15.00

4,

(919)779-8540

FIRST CITIZENS B&TC OF SC
HASTERCARD/VISA, SC

14.88, F

25

20.00

4,

(803)733-2050

FIRST CONSUHERS NB
HASTERCARD, N

18.90, V

l

7.50

30

20.00

2,3,4,

(800)876-3262

• 62

FIRST DEPOSIT NAT CREDT CRD BK
VISAGOLD, R

13.90, V

l

7.90

25

0.00

1,2,3,4,6,
9

(800)227-6886

• 63

FIRST DEPOSIT NB
VISA GOLD, R

16.90, V

l

10.9

0

o.oo

1,2,3,4,6,
9

(800)227-6886

• 64

FIRST FIDELITY BK NA
VISA, R

14.80, V

l

8.80

25

15.00

1,

(800)338-0644

• 65

FIRST FNCL BK FSB
FIRST FINANCIAL VISA. ,

17.80, F

25

15.00

1,2,3,4,5,
6,9

(800)472-4684

16.50, F

25

15.00

4,6,7,

(800)843-8411

17.90, F

25

20.00

4,

(800)955-5050

25

20.00

4,5,7,

(800)955-5050

25

15.00

4,

(800)955-5050

25

25.00

4,

(805)955-5050

25

18.00

4,5,

(800)955-5050

• 56

FIFTH THIRD BK
SELECT VISA,

• 57

FIRST ALABANA BK
HASTERCARD, R

19.50, F

58

FIRST BK SOUTH DAKOTA NA
FIRST BANK VISA, N

l't,90, V

59

FIRST CITIZENS B&TC
ttASTERCARD, NC

60
61

66
67
68

69

FIRST HI BK
HASTERCARD,

11.90, V

5.90

l

8.90

N

HI

FIRST INTRST BK OF AZ NA
VISA/ STANDARD CARD,
FIRST INTRST BK OF CA
VISA STANDARD CARD,

N
15.90, V

l

9.90

CA

FIRST INTRST BK OF NV NA
HASTERCARD / STANDARD CARD,

17.90, F
N

70

FIRST INTRST BK OF OR NA
VISA CLASSIC, OR

19.50, V

71

FIRST INTRST BK OF WA NA
VISA/ MASTERCARD, WA

14.90 1 F


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

l

R

l

9.90

Number

1t

1t

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricingB IndexclMarginDIMultipleE (days)F
fee
features 6

Institution,
credit card plan name
and availability A

72

FIRST NB OF ATLNT
VISA, N

73

FIRST NB Of COHMERCE
VISA/ MASTERCARD,

74

FIRST NB OF OMAHA
VISA, N

75

FIRST NH BK
MASTERCARD,

Telephone
number
to obtain
application

8.90, V

l

2.90

25

39.00

4,5,

(800)842-3262

19.80, V

l

8.40

25

12.00

N.R.

(800)826-3390

19.75, V

9

13.0

0

o.oo

4,5,9

(800)688-7070

14,90, V

l

8.40

25

20.00

4,

((,03)634-6802

18.00, F

25

20.00

N.R.

(800)423-3883

19.44, F

25

18.00

N.R.

(800)441-8026

R

R

76

FIRST Of AHER BK-HI NA
CLASSIC FIXED RATE MASTERCARD/VISA.

77

FIRST OHNI BK NA
VISA/MASTERCARD,

, HI

N

78

FIRST SECURITY BK ID NA
VISA, ID

14.90, V

l

8.90

25

o.oo

4,5,6,

(800)445-2689

79

FIRST SECURITY BK OF NH NA
MASTERCARD, R

15.50, V

l

6.00

25

o.oo

4,

(800)727-7927

80

FIRST SECURITY BK OF UT NA
VISA, UT

14.90, V

l

8.90

25

0.00

4,5,6,

(8'00)445-2689

81

FIRST TENNESSEE BK NA ·HHPHS
VISA CLASSIC, R

15.40, V

l

9.40

25

18.00

N.R.

(800)234-2840

82

FIRST UNION NB OF GA
STANDARD VISA, N

18.00, F

25

20.00

4,9

(800)359-3862

1t

83

FI~ST USA BANKVISA, R

12.90, V

25

o.oo

N.R.

(800)955-9900

1t

84

FIRST VA BK
VISA, R

16.98; F

25

15.00

4,8,

(800)634-8803

1t

85

FIRSTAR BK MILWAUKEE NA
ELAN MASTERCARD AND VISA.

18.00, F

25

15.00

4,

(800)765-4357

1t

86

FIRSTIER BK NA LINCOLN
VISA, R

18.00, F

25

18.00

4,

(800)432-3209

87

FLEET BK NA
CLASSIC VISA & MASTERCARD,

N

FLEET BK OF HA NA
CLASSIC VISA & MASTERCARD,

N

1t

1t

88


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

, R

l

6.90

14.40, V

l

8.40

25

25.00

4,

(800)537-3777

14.40, V

l

8.40

25

25.00

4,

(800)537-3777

Institution,
credit card plan name
and availability A

Number
89

• 90
• 91
92
93
94

• 95
• 96
• 97
98

FLEET BK OF NY
MASTERCARD,

Telephone
number
to obtain
application

14.40, V

l

8.40

25

20.00

4,

(800)537-3777

14.40, V

l

8.40

25

25.00

4,

(800)537-3777

25

10.00

N.R.

(513)677-6736

N

FLEET NB
CLASSIC VISA & MASTERCARD,

N

GE CAPITAL CONSUMER CARD co
VISA CLASSIC - AMES, N

19.80, F

GREENWOOD TC
DISCOVER CARD,

14.90, V

1

8.90

25

0.00

1,9

(800)347-2683

15.90, V

l

9.90

3

o.oo

N.R.

(708)520-6550

14.40, V

l

8.40

25

15.00

1,4,9

(800)947-1000

25

48.00

N.R.

(614)480-2719'

N

HARRIS T&SB
MASTERCARD OR VISA CLASSIC. ,
HOUSEHOLD BK NV NA
MASTERCARD REGULAR,
HUNTINGTON NB
MASTERCARD,

18.90, F

R

IDAHO FIRST BK
GOLD VISA/ MASTERCARD,
INTEGRA BK PITTSBURGH
INTEGRA CARD SERVICES,
INTRUST BK NA
REGULAR MASTERCARD/VISA,

9.47, V

5

6.00

25

35.00

3,4,5,6,8,

(208)387-3640

14.90, V

3

8.00

25

15.00

2,4,5,

(412)644-7554

16.80, F

25

12.00

4,8,

(316)383-1354

19.50, F

25

15.00

N.R.

(800)247-4714

13.92, F

25

0.00

N.R.

SEE APPENDIX

17.40, F

25

25.00

2,3,4,9

(800)444-4539

R
R

N

JC PENNEY NB
VISA, N

100

KELLY FIELD NB
VISA - KELLY BANK CUSTOMERS,
KEY BK OF NY
MASTERCARD,

N

N

99

101

Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricing B IndexclMarginDIMultipleE Cdays)F
featuresG
fee

TX

NY

102

LEADER FED BK FOR SVG
VISA CLASSIC, TN

15.90, F

25

20.00

4,

( 901) 578-2090

103

LIBERTY NB&TC
HASTERCARD,

18.00, F

30

20.00

4,

(502)589-3111

25

25.00

4,6,

(800)724-3222

25

20.00

4,5,9

(800)962-74f>3

N

104

MANUFACTURERS & TRADERS TC
VISA, NH

13.25, V

105

MARINE MIDLAND BANK
MASTERCARD, N

19.80, F


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

l

7.25

Number

Institution,
credit card plan name
and availability A

Annual
percentage
For variable rate
rate and
Grace
plans
type of
period Annual
Other
pricingB IndexclMarginDIMultipleE (days)F
fee
features 6

NBNA AHERICA BK NA
HASTERCARD, N

16.90, F

• 107

NELLON BK DELAWARE NA
HASTERCARD, R

13.90, V

• 108

HERCANTILE·BK OF IL NA
NASTERCARD GOLD, R

16.92, F

• 109

NATIONAL BK OF CONNERCE
NASTER CARD, R

19.80, V

110

NATIONAL BK OF SC
HASTERCARD, SC

111

NATIONAL CITY BK
HASTERCARD CLASSIC,

106

---- -------

Telephone
number
to obtain
application

25

40.00

N.R.

(800)847-7378

25

35.00

4,5,8,

(8001753-7011

25

35.00

2,3,4,

(800)755-4070

25

15.00

4,

(901)529-6259

16.92, F

0

o.oo

4,

(803)922-0434

17.90, T

25

18.00

9

(216)476-8006

25

16.00

4,5,9

(800)727-8686

25

18.00

N.R.

(614)863-2729

25

15.00

4,9

(317)267-6161

l

l

6.90

6.50

OH

112

NATIONAL CITY BK
HASTERCARD, N

18.90, F

113

NATIONAL CITY BK COLuttBUS
HASTERCARD CLASSIC, N

19.80, V

114

NATIONAL CITY BK IN
HASTERCARD, , IN

17.80, F

• 115

NATIONAL WESTHINSTER BANK NJ
HASTERCARO, R

15.90, V

l

9.90

25

15.00

4,6,

(516)420-1122

• 116

NATIONAL WESTHINSTER BANK USA
VISA, R

15.90, V

l

9.90

25

20.00

4,6,

(516)420-1122

117

NATIONSBANK OF DE NA
VISA, N

17.90, F

25

18.00

4,

(800)732-9194

• 118

NBD SKOKIE BK NA
HASTERCARD, VISA.

14.40, F

25

0.00

4,9

(800)766-4623

119
120
121

• 122

,

NORWEST BK IA NA
NORWEST HASTERCARD. ,
NORWEST BK NE
NORWEST NASTERCARD,
OAK BROOK BK
HASTERCARD. ,
OHIO SA
VISA CARD,


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

l

7.40

R
15.00, V

l

9.00

25

20.00

1,4,

(800)247-8101

15.00, V

l

9.00

25

20.00

1,4,

(800)247-8101

12.90, V

l

4.40

25

0.00

2,3,4,6,

(800)666-1011

25

25.00

N.R.

(216)622-4111

N
N

N

14.75, F

R

Institution,
credit card plan name
and availability A

Number
123

OLD KENT B&TC
NASTERCARD AND VISA.

Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricing B IndexclMarginDIMultipleE (days)F
featuresG
fee
18.00, V

'

l

5,00

Telephone
number
to obtain
application

25

20.00

4,

(800)245-5353

N

124

ONE VALLEY BK NA
NASTERCARD, WV

14,75, F

0

12.00

N.R.

(800)342-7343

125

PEOPLES BANK
VISA, N

11.50, F

25

25.00

4,

(203)426-1114

• 126

PNC BK OH NA
VISA, R

18.90, V

25

18.00

4,8,

(513)651-8072

PNC NB
VISA,

17.99, T

25

18.00

4,5,8,9

(800)762-2273

25

o.oo

2,3,4,6,8,
9

(800)772-7775

16.90, F

30

35.00

2,3,8,9

(800)322-2369

9.96, F

25

15,00

4,5,9

(412)479-5030

127
128
• 129
130
131

6.99

N

PRINERICA BK
NASTERCARD,

14.75, V

l

8.75

N

PRUDENTIAL B&TC
VISA GOLD, R
S&T BK
VISA,

l

N

SACRANENTO SVG BK
VISA CLASSIC,

15.00, V

l

5.00

25

15,00

4,5,8,

(916)974-3600

18.00, V

4

4.00

21

18.00

4,5,

(800)552-7302

SECURITY NB&TC
VISA, R

13.12, V

3

10,0

30

18.00

1,4,5,6,

(800)356-8085

134

SIGNET BK VA
VISA, N

19,80, F

25

18.00

4,5,6,8,9

(800)955-7070

135

SINNONS FIRST NB
VISA CLASSIC,

132
• 133

CA

SEATTLE-FIRST NB
REGULAR HASTERCARD /VISA,

AR

WA

8.00, V

8

5.00

25

25.00

4,

(800)272-2102

• 136

SOCIETY NB
VISA, R

12.74, V

4

9.50

25

20.00

2,3,4,5,6,

(216)689-7770

• 137

SOUTHERN NB OF NC
NASTERCARD, R

11.90, V

1

5.90

25

24.00

4,

(800)289-6404

• 138

SOUTHTRUST BK OF AL NA
VISA CLASSIC CARD,

16.40, V

l

10.4

25

15.00

5,9

(800)239-2313

14.50, V

l

8.50

25

20.00

2,3,9

• 139

STAR BK NA
VISA, R


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

R

SEE APPENDIX

Institution,
credit card plan name
and availabilityA

Num ber

Annual
percentage
For variable rate
Grace
rate and
plans
type of
period Annual
Other
pricingB IndexclMarginDIMultipleE Cdays)F
fee
features 6
30

o.oo

N.R.

(800)421-9543

8.90

25

26.00

N.R.

(800)432-4932
EXT: 4932

1

9.30

30

20.00

N.R.

(800)426-6420

4

0.25

0

0.00

4,5,

SEE APPENDIX

17.90, F

25

12.00

l&.90, F

25

9.50

19~80, F

25

STATE SVG BK
VISA, OH

14.88, F

SUNTRUST BANCARD NA
CLASSIC CARD, R

14.90, V

1

142

SUNWEST BK OF ALBUQUERQUE NA
MASTERCARD, N

15.30, V

143

TOWN NORTH NB
ttASTERCARD - VISA,

14.00, V

140
• 141

144
• 145
146

TRUSTCO BK NY
ttASTERCARD,

148

UNITED NISSOURI BK USA
MASTERCARD, N

15.40, V

1.51
152
• 153
• 154
15.5
156

4,5,6,

(800)872-2659

15.00

1,4,

(619)230-413"

25

1.5. 00

N.R.

( 90ll 383-6691

25

18.00

4,9

(800)821-.5181t

30

o.oo

9

(800)242-7600

CA
18.00, F

150

(518)381-3603

R

UNION PLANTERS NB
NASTERCARD, N

UNITED NB
VISA ,

8,

NY

147

• 149

2.00

N

US BK NA
AAA VISA/ MASTERCARD,
UNION BK
ttASTERCARD,

1

9.40

9.99, F

R

UNITED STATES NB OF OR
CLASSIC VISA/ MASTERCARD,
UNIVERSAL BK
NASTERCARD CLASSIC,
USAA FSB
ttASTERCARD,

1

9.40

2.5

15.00

4.

(800)1tlt.5-9931t

1.5,90, V

1

9.90

25

20.00

2,3,4,6,

(800)423-43"3

12.50, V

4

7.00

2.5

o.oo

N.R.

SEE APPENDIX

19.80, V

9

13.0

0

o.oo

N.R.

(800)688-7070

25

18.00

9

(800)6"2-4720

N

WELLS FARGO BK NA
NASTERCARD /VISA,

R
19.80, F

R

WEST ONE BK ID
CLASSIC NASTERCARD /VISA,


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

15.40, V

OR

N

VALLEY ST BK
VALLEY STATE BANK VISA,

WILNINGTON TC
NASTERCARD,

Telephone
number
to obtain
application

N

14.47, V

.5

11.0

2.5

20.00

3,4,5,6,8,

(208)387-3640

14.75, V

3

11.5

25

18.00

4,5,8,9

(302)6.52-2378

N

AP P E NDI X
TERMS OF CREDIT CARD PLANS
January 31, 1994
ADDITIONAL INFORMATION ABOUT CREDIT CARD PLANS. IF CREDIT TERMS ARE THE SAME ACROSS STATES WITHIN A REGIONAL PLAN THE STATE
ABBREVIATIONS ARE GIVEN. IF CREDIT TERMS DIFFER AMONG STATES WITHIN A REGIONAL OR NATIONAL PLAN THE STATE ABBREVIATION
IS GIVEN FOLLOWED BY THE APPLICABLE DIFFERING TERMS.
CODES FOR APPENDIX:

INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, MULT = MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE

4

AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,KS,KV,LA,MD,MA,MI,MN,MS,MO,MT,NE
NV,NH,NJ,NM,NV,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WV

5

AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT
NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,OR,PA,Rl,SC,SD,TN,TX,UT,VT,VA,WA,WV,WV

7

AL,FL,GA,MS,TN

10

AZ,CA,HI,NV,NM,OR,TX,UT

11

AZ,CA,HI,NV,NM,OR,TX,UT

13

CA,OR,WA

20

AZ,
NM,
UT,

29

AR,IL,IA,KS,MO,NM,OK,TN,TX

30

NC,SC

31

ADDRESS:

32

AR,LA,TX
ADDRESS:

41

AZ,CA,CO,ID,MI,MN,MT,NV,ND,OR,SD,UT,WA,WY

44

AR,IL,IA,KS,KY,MO,TN

45

AR,IL,IA,KS,KV,MO,TN

46

AR,IL,IA,KS,KV,MO,TN

47

AL,FL,TX

48

DC,MD,NJ,PA,VA

51

OK,TX

52

CT,NJ,NY

APR/P = 19.30/V
APR/P = 19.30/V
APR/P = 19.30/V

BROADWAY NATIONAL BANK
P. 0. BOX 17001 ,
SAN ANTONIO, TEXAS 78217

CENTRAL BANK
CENTRAL CARD SYSTEMS
P. 0. BOX 4928
MONROE, LOUISIANA 71211


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

AP P E NDI X

TERMS OF CREDIT CARD PLANS
CODES FOR APPENDIX:

January 31, 1994

INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TVPE OF PRICING,
MAR= MARGIN, MULT = MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE

56

FL,IN,KV,OH

57

AL,GA,TN
FL, APR/P = 18.00/F

62

AL,AK,AZ,CA,CO,CT,DE,FL,GA,HI,ID,IL,IN,IA,KS,KV,LA,MD,MA,MI,MN,MS,MO,MT,NE,NV
NH,NJ,NM,NV,NC,ND,OH,OK,OR,PA,Rl,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WV

63

AL,AK,AZ,CA,CO,CT,DE,FL,GA,Hl,ID,IL,IN,IA,KS,KY,LA,MD,MA,MI,MN,MS,MO,MT,NE,NV
NH,NJ,NM,NV,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WV

64

NJ,NY,PA

65

AK,
AR,
CT,
DE,
GA,
KV,
LA,
ME,
MS,
NE,
NJ,
NV,
ND,
PA,
RI,
TN,
WA,

73

APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P
AF=
APR/P
APR/P

= 17.00/F,
10.00/F,
15.00/F,
15.00/F,
15.00/F,
10.00/F,
10.00/F,
10.00/F,
10.00/F,
= 16.00/F
= 16.00/F,
= 16.00/F
= 16.00/F,
= 12.00/F,
0.00
= 12.00/F
= 12.00/F,
=
=
=
=
=
=
=
=

AL,LA
FL, APR/P = 18.00/V,
GA, APR/P = 18.00/V,
MS, APR/P = 19.50/V
NC, APR/P = 18.00/V
SC, APR/P = 18.00/V
TN, APR/P = 18.00/V,
TX, APR/P = 18.00/V,

GP = o, AF = 12.00
GP = o, AF = 12.00
GP = o, AF = 0.00
AF = 0.00
AF = 12.00
AF = 12.00
AF = 12.00
AF = 12.00
AF = 12.00
GP =

o,

AF =
GP =

0.00

o,

GP

= o,

AF
AF

14.00
= 14.00

AF
AF

= 14.00
= 15.00

AF =

0.00

AF =

0.00

=

0.00

AF

=

75

ME,NH

79

CO,NM,TX

81

TN
AR,

83

AZ,CA,CT,FL,GA,IL,LA,MD,MA,MI,NJ,NV,OH,OK,PA,TX,VA,WA

84

DC,MD,VA

85

IL,IA,MI,MN,VA

86

AZ,CO,ID,IA,KS,MN,MO,NE,ND,SD,UT,WV

APR/P = 12.40/V


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

AP P E ND I X
TERMS OF CREDIT CARD PLANS
January 31, 1994
CODES FOR APPENDIX:

INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TVPE OF PRICING,
MAR= MARGIN, MULT = MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE

90

IL,
KV,
LA,
HE,
HS,
NJ,
NC,
PA,

AF
AF
AF
AF
AF
AF
AF
AF

91

co,
ME,
NC,
WI,

APR/P
APR/P
APR/P
APR/P

95

FL,
IN,
KV,

APR/P = 16.90/F
APR/P = 16.90/F,
GP= 30

AF=

96

OR,
UT,
WA,

APR/P = 10.47/V,
APR/P = 10.47/V,
APR/P = 10.47/V,

MAR = 7.00
MAR = 7.00
MAR = 7.00

97

OH,PA,WV

100

ADDRESS:

107

DE,DC,MD,NJ,NV,OH,PA,VA,WV

108

AR,IL,IA,KS,KV,MO,NE,OK,TN

109

AL,AR,KV,MS,SD

115

NJ,NV ,PA
AK, APR/P =

116

CT ,NJ,NV

118

FL,IL,IN,MI,OH

122

AL,AK,AZ,AR

126

IN
KV,

129

AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KV,LA,ME,MD,MA,MI,MN,MS,MO
MT,NE,NV,NH,NJ,NM,NV,NC,ND,OH,OK,OR,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WV

133

AR,CO,KS,LA,MS,MO,NM,OK,TN,TX

136

CA,
CO,

=
=
=
=
=
=
=
=

20.00
20.00
12.00
12.00
12.00
15.00
20.00
15.00
=
=
=
=

18.00/F
18.00/F
18.00/F
18.00/F
0.00

KELLY FIELD NATIONAL BANK
P. 0. BOX 28010
SAN ANTONIO, TEXAS 78238

0.00/V

APR/P = 17.99/V

APR/P = 14.74/V,
APR/P = 14.74/V,


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

MAR= 11.5
MAR= 11.5

AP P E NDI X
TERMS OF CREDIT CARD PLANS
January 31, 1994
CODES FOR APPENDIX:
IA,

APR/P

=

INSTITUTION REFERENCE NUMBER, STATE-INITiiLS, APR/P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, MULT = MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE

14.74/V

137

NC,SC

138

AL,FL,GA,NC,SC,TN

139

OH,WV
ADDRESS:

141

AL,FL,GA,TN

143

ADDRESS:

145

AZ,CO,HI,ID,MT,NV,OR,SD,UT,WA

149

KV,OH,PA,VA,WV

152

ADDRESS:

153

NE,SD

154

AZ,CA,WA


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

STAR BANK, N.A.
COLLING. MCKENNY, SR. VICE PRESIDENT
P. 0. BOX 956
CINCINNATI, OH. 45201-0956
TOWN NORTH NATIONAL BANK
4455 LBJ FREEWAY
P.O. BOX 814810
DALLAS, TEXAS 75381-4810

USAA CREDIT CARD CENTER INC.
A DIVISION OF USAA FEDERAL SAVINGS BANK
P. 0. BOX 21658
TULSA, OKLAHOMA 74121