Full text of E.5 Choosing a Credit Card : March 15, 1994
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. ... 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