The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
March 16, 1992
For immediate release
Do you think the interest rate on your credit card
borrowings is too high?
If you would like to shop for a credit
card with a lower rate.and.better.credit terms, the Federal
Reserve Board may be able to.help you out.
Every six months, the Federal Reserve System collects
data and publishes a report on the terms of credit card plans
from some of the largest card issuers in the country.
The two-
part report includes such credit information as the annual
percentage rate (APR), annual fee and length of any grace period,
applicable to each creditor's largest credit card plan.
To further assist the consumer, the report indicates
whether the credit card plan is available throughout the country
or only in certain states.
The credit card issuers have been
listed alphabetically and most information is broken out by
state.
If you find tha_t the terms listed are more attractive
than your current card, the table includes a telephone number
that may be used to contact the creditor to obtain an
application.
For a subscription to the report, please send a
check for five dollars payable to BGFRS, to Publications
Services, Stop 138, Board of Governors of the Federal Reserve
System, Washington, DC 20551.
Consumers who want more detailed information about the
issuers' credit card terms can contact the Board's Freedom of
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Information Office, Room B-1122 at (202) 452-3684.
This
information includes such items as late payment a~d minimum
finance charges, transaction fees for cash advances and
purchases, any over-the-limit charge and the name of the balance
computation method used by the issuer.
A copy of the Board's ·report is attached.
-oAttachment
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
. ·······
.
--------------------- --------------: 7
f.~ ~
FEDERAL RESERVE statistical release
..
March 16, 1992
E.5 (115)
........ ..
• • f GO\,: ••
-----------------------------------·
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 teais 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 tei:m
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 fnr cash
advances and purchases, any over-the-limit charge and.the name of the
balance 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
..
-1
·-
..
..
----------------------------------------------------:.
FEDERAL RESERVE statistical release
~~
----------------------------------------------------··
.
.··~co~· ..
.
~-.---!~
• • Or-
•
...• "I' • •
..----
......
• • •· • .ql fl£.r,': • •
E.5 (115)
Terms of Credit Card Plans
Part I: Summary of Key Terms
Institution,
credit card plan name
and availabi Ii ty A
Number
ABBOTT BK
HASTERCARD AND VISA
1
If
,
January 31, 1992
Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricing 8 IndexCIMarginDIMultipleE Cdays)F
fee
features 8
16.30, V
9
ALTON fERCANTILE BK NA
HASTERCARD, R
17,90, F
3
AHALGAHATED BK
HASTERCARD,
12.so, v
1
6,00
o.oo
N
•
SEE APPENDIX FOR ADDITIONAL INFORMATION ABOUT AVAILABILITY OR DIFFERENT TERl1S ACROSS STATES,
A.
CODE FOR AVAILABILITY OF CARD TO CONSU1ERS:
N = NATIONAL, R • ONLY IN SELECTED STATES, STATE ABBREVIATION= ONLY IN STATE SPECIFIED
B.
CODE FOR TYPE OF INTEREST RATE PRICING:
F = FIXED, V = VARIABLE,
T = TIERED CRATE CHANGES HITH THE LEVEL OF OUTSTANDING BALANCE.
C.
D.
E,
2S
o.oo
1800 )999-6977
ZS
20.00
1800)7SS-4070
21
o.oo
N
2
THE RATE
SlfOHN
Telephone
number
to obtain
application
N.R.
1800t36S-6464
APPLIES TO THE LOHEST OF THE BALANCE TIERS)
THE INTEREST RATE ON VARIABLE RATE PLANS IS BASED ON AN INDEX. THE CODE IN THE TABLE INDICATES HHICH OF THE FOLLOHING INDEXES THE PLAN USES,
1 = PRIHE RATE, 2 = ONE-HONTH TREASURY BILL RATE, 3 = THREE-HDNTH TREASURY BILL RATE, 4 = SIX-HONTH TREASURY BILL RATE,
5 = OHE-YEAR TREASURY BILL, 6 = FEDERAL FUNDS RATE,
7 = COST OF FUNDS, 8 = FEDERAL RESERVE DISCOUNT RATE, 9 = OTHER,
THE NU-tBER OF PERCENTAGE POINTS THE INSTITUTION ADDS TO THE INDEX RATE TO CALCULATE THE RATE CHARGED.
THE NUtlBER BY HHICH THE INSTITUTION HULTIPLIES THE INDEX OR THE INDEX PLUS HARGIN TO CALCULATE THE RATE CHARGED,
F.
GRACE PERIOD INDICATES THAT NO INTEREST HILL BE CHARGED FOR CREDIT EXTENDED ON PURCHASES IF PAYHENT IN FULL IS RECEIVED HITHIN THE STATED NU-mER OF
DAYS AFTER THE END OF THE BILLING PERIOD IN HHICH THE PURCHASE HAS HADE. GENERALLY A GRACE PERIOD ALLOHS CUSTOHERS TO AVOID INTEREST CHARGES ON
PURCHASES IF THEY ALHAYS PAV THEIR CREDIT CARD BILL IN FULL BY THE DUE DATE OF THE BILL. GRACE PERIODS USUALLY DO NOT APPLY TO CASH ADVANCES HHICH
BEGIN ACCRUING INTEREST FROH THE DAY OF THE TRANSACTION. IN THIS REPORT A GRACE PERIOD OF ONE HONTH IS REPORTED AS 30 DAYS.
G.
THE FOLLOHING CREDIT CARD PLAN ENHANCEMENTS ARE AUTONATICALLV INCLUDED IN THE CREDIT CARD PLAN HITHOUT ADDITIONAL CHARGE.
1 = REBATES ON PURCHASESt 2 • EXTENSION OF HANFACTURERS HARRANTYt 3 = PURCHASE PROTECTION/SECURITYt 4 = TRAVEL ACCIDENT INSURANCEt
S • TRAVEL RELATED DISCOUNTSt 6 • AUTOHOBILE RENTAL INSURANCES 7 • DISCOUNTS ON SELECTED GOODS OR SERVICES IOTHER THAN TRAVEL RELATED)t
8 • CREDIT CARD REGISTRATIONt 9 • OTHER INOT SPECIFIEDt.
A
N.R. • NOT REPORTED,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
•••=NOT APPLICABLE,
-Institution,
credit card plan naffle
and availabilityA
Nu■ ber
4
.. s
16.ZS, V
EXPRSS CENTURION BK
OPTIMA CARD , N
AHERICAN
AHERICAN GEN FNCL CTR
THE HORE CARO I VISA )
•
Annual
percentage
For variable rate
plans
Grace
rate and
type of
period Annual
Other
featuresG
fee
pricing 8 lndexclHargin°IHultiPleE (davs)F
2,3,4,6,9
I 800 )445-7374
0.00
N.R.
1800 M74-H7"
25
15.00
19.80, F
t5
1
7.75
Telephone
number
to obtain
aP01ication
A
'
AttERICAN SVG BK FA
VISA CLASSIC, CA
US.90, F
30
18.00
N.R.
1800)788-7000
7
MERITRUST CO NA
VISA CUSSIC ,
14.90, F
0
z.s.oo
4,8,9
I 216 )UZ-Z44Z
EXT1 3000
19.50, F
ZS
15.00
"·
1800)361-5700
14.90, F
ZS
15.00
1,4,s,,.a,
1800199Z-Z9S9
• 8
9
N
AHSOUTH BK BIRHINGHAH NA
ttASTtR'CARD , R
APPLE BK FOR SW
VISA IA" AFFINITY CARD)
10
ASSOCUTtS te I DE )
11ASTERCARO , N
11
IAHCOHIO te
NASTERCARD CLASSIC
•
•
N
N
9
21.00. F
ZS
zo.oo
"·
1800)533-5600
19.80, F
ZS
18.00
N.R.
I 800 )Z8~- 75':
lZ
IW« IV KS NA
VISA , N
17.
1,. F
ZS
15.00
N.R.
1800)333-SZZl
1J
IW« OF AHERICA NT&SA
VISA CLASSIC , N
19.80, F
ZS
18.00
N.R.
18001ZZ7-5458
14
IW« OF BALTINORE
VISWNASTERCARD AFFINITY
15.90, F
ZS
18.00
1800 )25t-900Z
1a.,o • F
30
11.00
"·
"·
17.90, F
ZS
18.00
4,S,8,9
I 800 )76Z-ZZ73
OF HAHAII
VISA CLASSIC CARD • HI
16.50, F
ZS
15.00
Z,:S,4,6,
I 808 )54:S-9611
OF HEH YORK - DELAMARE
GOLD HASTERCARD, N
15.90, V
:so
25.00
Z,3,4,6,8,
9
1800)942-1977
CLEVELAND NA
VISA CLASSIC CARD ,
19.80, F
ZS
zo.oo
N.R.
1800 IZZ:S-5805
Z0.00
N.R.
• 15
IN« OF CALIFORNIA NA
STANDARD NASTfRCARD,
1,
BANK Of DELAMARE
VISA , DE
17
8At«
18
BANK
19
BANK ONE
zo
8»1( ONE
VISA ,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
COLlHWS NA
N
•
N
A
1
7.90
EXT1 5668
OH
19.80, F
ZS
18001544-Z9ZO
C800 1945-2004
Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricingB lndexC I MarginD IMul tipleE ( days)'
fee
featuresG
Institution,
credit card plan name
and availability A
Nu111ber
Telephone
number
to obtain
application
Zl
BANK ONE DAYTON NA
VISA CLASSIC , N
18.00,
,
0
zo.oo
N,A,
1513 )449-llt71
Z2
BANK ONE LAFAYETTE NA
BANK ONE VISA , IN
19.80, F
ZS
15.00
N,A,
1800)395-ZUS
•H
BARNETT CARD SEAY CORP
VISA CLASSIC , R
18,00, F
30
Zl,00
4,9
1800)323-6Z7'
16,98, F
ZS
Zl,00
4,8,9
1800 )ZZl-3393
M
BAYBANK NIDDLESEX
HASTERCARD CLASSIC
•
N
• ZS
BOATHENS 8K OF DE
HASTEACARD, A
17.80, F
ZS
zo.oo
It,
I 800 JltZ6-61tZO
• Z6
BRANCH 8KG&TC
HASTERCARO ,
18.00, F
ZS
15,00
4,
1800 J476-ltZZ8
Z!»
12.00
It.
SEE APPENDIX
JO
zo.oo
It., •••
ZS
18,00
,.,, .
C800167Z-ZS59
ZS
15.00
Z,J,
(800)388-5'34
lt,8,9
C800)76Z-ZZ73
Z,J,4,6,7,
(800)441-7681
A
• 27
CENTRAL BK
VISA, R
18.00, F
• 28
CENTRAL 8K OF THE SOllTH
HASTERCARD, A
13.50, V
29
CENTRAL CAROLINA BITC
HASTERCARD, N
17.88, F
JO
CENTRAL FIDELITY BK
ttASTERCAAD , N
18.00, F
CENTRAL TC NA
VISA , A
18.90, F
ZS
18.00
CHASE HANHATTAH BK USA
VISA/HASTERCAAD, N
19.80, F
JO
zo.oo
CHENICAL BK DELAMARE
HASTERCARD, N
17,90, V
34
CHEHICAL BK NJ NA
HASTERCAAD, NJ
35
• 31
3Z
1
7.00
...
1800 )239-5175
9
ZS
20.00
N,A.
1302)453-1300
19.80, F
ZS
15,00
4,
C800 )452-5741
L'.:EVY CHASE S\IG BK FSB
VISA CARD, N
17.90, F
ZS
40,00
N.A.
1800 )93 7-5000
36
CITIBANK HARYLAND NA
CHOICE VISA , N
16.90, T
ZS
20.00
7,9
1800 )638-476 7
37
CITIBANK SOUTH DAKOTA NA
CITIBANK CLASIC VISA AND HASTERCAAD
19,80, F
ZS
20.00
Z,J,4,5,7,
1800)843-0777
• 33
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
•
N
1
9,90
8,9
Institution,
credit card plan name
and availabilityA
N·Jmber
• 38
CITIZENS TC
CITIZENS VISA CLASSIC
•
16.90, F
25
20.00
18.60, F
25
12.00
Other
featuresG
Telephone
nui:iber
to obtain
application
N.R.
1401)456-7614
2,3,4,S,6,
1301)893-3425
R
3,
COLORADO NB
VISA GOLD,
• 40·
COLUHBUS BK CO
VISA, R
• 41
COHERICA BK
lV. HASTERCARD
*
COttiERCE BK OF ot1AHA NA
SPECIAL CONNECTIONS VISA & HASTERCAR,
4i.'.
Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
pricing 8 IndexclMargin°IMultipleE Cdays)F
fee
N
8,9
18.00, F
2S
12.00
18.00, F
0
17.50, F
N.R.
1800)28:Z-1205
o.oo
4,
(8001841-0012
25
o.oo
4,9
(800)645-2103
25
20.00
4,5,9
1800)833-3010
R
•
R
• 43
CORESTATES BK OF DEL NA
VISA, R
17,80, V
• 44
CRESTAR BK
VISA CLASSIC
15.90, F
25
20.00
4,9
1800)368-7700
*
4.!i
DIAL BK
DIAL VISA/MASTERCARD
19.80, F
ts
20.00
3,4,6,
1605 )336-3933
46
DOLLAR DRY DOCK BK
VISA, N
16.80, F
25
25.00
4,
I 914 )397-2000
17.39, F
25
18.00
4,
( 800 )955-4670
,
l
8.80
R
,
N
•4°1
DOHINION BK NA
DOMINION VISA
* •t8
EQUITY BK SVG FA
VISA, R
17,90, F
30
15.00
N.R.
1800 )456-2273
• 49
EUROPEAN AMERICAN BK
HASTERCARD, R
19.68, F
25
20.00
N.R.
15161296-6028
FCC NB
VISA,
19.80, V
25
20.00
4,7,9
(800)368-4535
25
zo.oo
9
1800)753-2'00
ZS
o.oo
2,3,4,5,6,
8,9
(8001323-5253
19.80, F
ZS
18.00
N.R.
( 800 1972-3030
21.00, T
25
15.00
N.R.
18001828-0893
50
51
52
•
R
FIDELITY NB
VISA CONSUHERSCARD
FIDELITY TC
VISA GOLD,
9.90
15.90, F
•
N
17.40, V
1
8.40
N
• 53
FIFTH THIRD BK
VISA CARD CLASSIC,
• 54
FIRST ALABAMA BK
MASTERCARD CLASSIC ,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
l
N
R
R
Institution,
credit card plan name
and availability A
Number
Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricingB lndexclMarginDIMultipleE (days)F
fee
features 9
55
FIRST AHERICAN BK OF YA
FIRST PERCENT VISA, N
14.00, y
56
FIRST BK SOUTH DAKOTA NA
FIRST BANK VISA • N
19.80, F
57
FIRST CONSUMERS NB
MASTERCARD, N
20.50, V
tf
.!i8
FIRST DEPOSIT NAT CR CRD BK
VISA, R
tt
59
FIRST DEPOSIT NB
VISA, R
tt
60
FIRST FIDELITY BK NA NJ
FIRST FIDELITY VISA,
tt
tt
61
FIRST FINANCIAL BK FSB
FIRST FIHANCIAL VISA ,
25
20.00
1,2,3,4,
(8001572-4004
25
20.00
4,5,
(8001285-8585
30
30.00
4,
(8001876-3262
19,80, F
0
o.oo
1,2,3,4,6,
9
.,;,,)012,7,-6866
19,80, F
0
0.00
1,2,3,4,6,
9
( 800 1227-6886
18.80, T
25
15.00
4,5,
(8001338-0644
17.80, F
25
15.00
1,2,3,4,5,
6,£,9
(8001345-7708
1
l
7.50
Telephone
number
to obtain
application
a.so
R
N
62
FIRST HAHAIIAN BK
MASTERCARD , HI
16.50, F
25
15.00
4,
(808)525-8794
63
FIRST INTERSTATE BK AZ. NA
VISA, N
18.00, F
25
io.oo
4,5,6,
(8001365-7043
64
FIRST INTERSTATE BK CA
HASTERCARO, CA
17.50, y
25
25.00
N,R.
(8001955-5050
65
FIRST INTERSTATE BK NY NA
MASTERCARD, N
21.60, F
25
15.00
N.R.
l800J95S-5050
66
FIRST INTERSTATE BK OR HA
VISA CLASSIC CARD, OR
19.50, F
25
20.00
4,5,8,
(8001955-5050
67
FIRST INTERSTATE BK NA NA
VISA, NA
17.90, y
25
18.00
4,·
18051955-50S0
68
FIRST NB ATLANTA
VISA • N
14.98, F
25
25.00
4,5,
(8001241-7990
69
FIRST NB IN HICHITA
REGULAR MASTERCARD AND VISA
18.00, F
25
18.00
4,8,
l 3161383-13!:4
25
10.00
4,
18001727-?927
25
12.00
N.R.
(8001826-3390
70
• 71
•
9
N
FIRST NB OF ALBUQUERQUE
AAA VISA, R
18.00, y
FIRST NB OF CotttERCE
VISA CLASSIC, R
18.00, F
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
9
1
7.00
Institution,
credit card plan name
and availabilityA
Number
7Z
• 73
Annual
percentage
For variable rate
Telephone
rate and
plans
Grace
number
type of
period Annual
Other
to obtain
pricing 8 Index MarainD IMul tipleE Cdays)F
featuresG application
fee
cl
13
0
o.oo
l
1.00
25
FIRST N8 Of OttAHA
VISA , H
19.80, V
9
FIRST NH BK
MASTERCARD
17.50, V
•
4,5,9
I 800 }688-7070
18.00
N.R.
I 8001852-3719
R
74
FIRST Otta BK NA
VISA, H
19.80, V
4
10
25
18.00
4,8,
(8001441-8026
75
FIRST SECURITY BK Of UTAH NA
VISA - HASTERCARD, UT
16.88, V
5
10
25
20.00
4,5,6,8,
(801}350-6304
• 76
FIRST SIGNATURE B&TC
VISA CARD, R
15.66, V
3
11.8
25
o.oo
4,8,9
( 800 )522-1776
• 77
FIRST TEN-I BK NA
VISA CLASSIC,
17.90, T
25
18.00
N.R.
(800)234-2840
*
78
FIRST UNION NB Of GEORGIA
HASTERCARD, R
18.00, f
25
20.00
N.R.
1800)359-3862
*
79
FIRST USA BK
HASTERCARD,
17.90, F
25
o.oo
N.R.
I 800 }955-9900
*
80
FIRST VIRGINIA BK
VISA, R
18.00, F
25
15.00
4,8,
1800)"3't-8803
*
81
FIRST HISCONSIN N8
ELAN HASTERCARD,
18.00, F
25
15.00
4,8,
I 4141765-'t357
8'.?
FIRST-CITIZENS B&TC
HASTERCARD, NC
18.00, F
25
15.00
4,
(919)779-8540
83
FIRST-CITIZENS B&TC
HASTERCARD, SC
21.96, T
0
o.oo
4,
18031733-2050
• 8ft
FIRSTIER BK NA
VISA, R
18.00, F
25
18.00
4,
( 800 }432-3209
*
FLEET NB
CLASSIC VISA & HASTERCARD
17.90, F
25
25.00
4,
18001537-3777
19.80, F
25
o.oo
4,
·~?01822-8472
85
H
R
R
,
N
* 86
GARY-HHEATON BK NA
CLASSIC VISA CARO
*
87
GLENDALE FED BK FSB
VISA CLASSIC, R
14.95, F
0
17.00
4,
1800)733-8383
* 88
GREAT HESTERN BK FSB
VISA CLASSIC, R
18.00, F
ZS
zo.oo
2,3,
1800)382-3334
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
,
R
lnsti tution,
credit card plan name
and availability A
Number
*
N
If
89
GREENHOOD TC
DISCOVER CARD ,
90
HARRIS T&S8
HASTERCARD/VISA
92
HOUSEHOLD BK NA
VISA CARD REGULAR
1,
(8001347-2683
19.80, f
30
o.oo
N.R.
I 708 1520-6550
25
18.00
4,5,8,9
1800)826-5098
21.00, f
25
o.oo
4,
(8001477-6000
•
18,90, f
25
18.00
N.R.
(8001842-2900
19.80, f
30
15.00
4,
1800 )344-1140
25
15.00
2,4,
(412)6"-7575
30
15.00
N.R.
(800)247-4714
25
20.00
4,
18001666-1897
7
9.00
N
•
R
N
INTEGRA NB PITTSBURGH
VISA/MASTERCARD, PA
14. 90, V
96
JC PEN-fEY NB
VISA/MASTERCARD,
19.50, F
3
8.00
N
97
KEY BK OF NY NA
MASTERCARD • NY
17.90, V
98
HANUFACTURERS & TRADERS TC
VISA, NY
19,80, f
30
20.00
N.R.
17161639-1000
99
MANUFACTURERS BK NA
HASTER CARD, HI
18.00, F
30
19,00
N.R.
1800 )346-1300
MANUFACTURERS BK HILHINGTON
VISA, R
14.80, V
0
0.00
N.R.
I 800 1635-8350
19.80, F
25
20.00
3,4,9
18001648-3355
101
•f
o.oo
95
• 100
I
25
15.57, V
Ht.t.lTINGTON NB
VISA AND MASTERCARD STANDARD
INB NB
VISA CARD,
19.80, f
N
•
HOH£ SVG Of AMERICA FA
VISA, R
94
Other
features 6
Telephone
number
to obtain
application
N
91
93
Annual
For variable rate
percentage
plans
rate and
Grace
type of
period Annual
fee
pricing 8 lndexclMarginDIMultipleE (days)f
MANUFACT\JRERS HANOVER TC
MASTERCARD - STANDARD
•
l
4
5.00
10
N
102
HARINE HIDLANO BK NA
HASTERCARD , N
19,80, F
25
20.00
4,5,
1800)624-6600
103
HBNA AMERICA BK NA
HASTERCARO, N
18.90, F
25
40.00
N.R.
( 8001847-7378
104
HELLON BK DELAHARE NA
HASTERCARD/VISA, R
18,60, F
25
18.00
4,5,8,
1800 )75:S-7011
105
MERCHANTS NB&TC Of
HASTERCARD, IN
17.80, F
25
15.00
4,9
I 317126 7-6161
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Institution,
credit card plan name
and availabilityA
Number
tt
*
Annual
percentage
For variable rate
plans
rate and
Grace
period Annual
type of
Other
pricing 8 lndexclMarain°IMultiPleE Cdavs)f
featuresG
fee
19.80, F
JO
10.00
NATIONAL BK OF SC
HASTERCARD, SC
16.92, F
0
o.oo
108
NATIONAL CITY BK
HASTERCARD, OH
17.90, F
25
109
NATIONAL HESTHINSTER BK NJ
ttASTERCARD, R
19.80, F
NATIONAL HESTHINSTER BK l,ISA
VISA CARD, R
NATIONS8ANK DE NB
VISA, N
106
HDNOGIWt BK USA
107
• 110
111
ttONOGRAH ANES VISA
,
NATIONSBANK VA NA
VISA - CLASSIC ,
• llJ
NBD BK NA
HASTERCARD,
R
114
HORSTAR BK NA
HASTERCARD,
N
115
NORSTAR BK OF UPSTATE NY
HASTERCARD , NY
116
HORHEST BK IOHA NA
NORHEST HASTERCARD
117
NORHEST BK tfl NA
NORHEST CARO SERVICES HASTERCARD
118
119
• 120
121
122
NORHEST BK SO NA
NORHEST MASTERCARD ,
N
180:S 1775-12:Sf>
18.00
N.R.
18001662-8100
25
15.00
4,
18001527-0086
19.80, F
25
20.00
4,6,
C516 )420-1122
17.90, F
25
18.00
4,
1800)759-6262
18.00, F
25
15.00
4,
1800173'?-91\:
18.00, F
Z&
18.00
,.
18001225-5623
17.90, F
25
20.00
<t ,9
1800 )537-3777
17.90, F
25
20.00
N.R.
1800)435-3383
19.80, F
25
18.00
4,
C800 )247-8101
19.80, F
ZS
18.00
4,
1800 )247-8101
EXT: 8101
19.80, F
25
18.00
<t.
1800 )247-8101
19.80, F
25
18.00
4,
I 8001247-8101
16.80, F
25
0.00
2,3,4,6,9
18001666-1011
'
14.75, F
25
25.00
4,
18001356-1445
18.00, F
25
20.00
4,8,
18001245-5353
.
•
N
R
N
OLD KENT B&TC
MASTERCARD/VISA
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
4,
N
N
OHIO SA
VISA CARD,
18001544-5232
R
HORHEST BK NEBRASKA NA
NORHEST HASTERCARD,
OAK BROOK BK
GOLD HASTERCARD
N.R.
N
• 112
•
Telephone
number
to obtain
application
,
N
Institution,
credit card plan name
and availabilityA
Number
123
PEOPLES BK
PEOPLES BAN{ HASTERCARD
124
127
129
PUGET SOUND
131
• 132
133
2,3,4,6,
18001423-3273
17.99, F
25
18.00
4,5,8,9
18001762-2273
25
0.00
2,3,4,6,8,
9
18001772-7775
30
19.00
2,3,8,9
(8001322-2369
25
18.00
N.R.
18001882-2265
EXT: 3870
0
20.00
N.f;.,
18001473-5252
25
22.00
4,
I 617 )878-6100
21
18.00
4,5,
1800)552-7302
18.00, F
30
o.oo
H.R.
1313 1821-5000
18.00, F
25
18.00
4,9
18001243-7762
19.80, F
30
18.00
4,5,6,8,9
I 000 1955- 7070
8.50, F
25
35.00
4,8,
I 5011541-1240
25
20.00
2,3,4,6,
I 800 1624-7634
18.90, F
0
o.oo
4,
I 8031771-3939
25
15.00
N.R.
(8001292-6538
25
20.00
2,3,4,5,
1800 1999-0619
,;o
0.00
N.R.
I 8061421-'15'~
8. 75
17.90, F
4
4,00
HA
REPUlLIC tit
18.60, F
R
ROCKLAND TC
SECURITY PACIFIC BK NA
HASTERCARD,
R
SIGNET BK - VA
HASTERCARD •
H
Sltl10HS FIRST tit
VISA, N
*
135
SOCIETY NB
HASTERCARD,
3
0.00
18.00, V
4
4.00
2.0D
N
SECURITY B&TC
VISA• N
134
17.52, V
HA
•
SEATTLE-FIRST tit
REGULAR HASTERCARD,
14. 71, V
4
9.50
R
:'...;AJTH CAROLINA NB
VISA CARD, 18.9%, NO FEE, NO GRACE,
SC
*
137
SOUTHTRUST BK OF AL NA
VISA CLASSIC, R
21.00. T
*
138
STAR BK NA
VISA, A
15.00, V
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
1
R
15.50, V
*
Bo
25.00
H
tit
HASTERCARD
130
25
15.25, V
PRUDENTIAL BITC
VISA CLASSIC •
VISA•
13. 90, F
N
PRIHERICA BK
VISA CLASSIC •
• 128
Telephone
nunber
to obt.::iin
application
N
GOLD HASTERCARD •
• 126
•
PNC tit
VISA•
125
Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricingB IndexclMargin°IMultipleE Cdays)f
featuresG
fee
, ,.
nn
.
l
8.50
Institution,
er-edit card plan name
and availabilityA
Number-
Annual
percentage
For- variable rate
Gr-ace
rate and
Plans
type of
period Annual
Otherpr-icing 8 IndexclMar-gin°IMultipleE Cdays)F
fee
features'=
Telephone
numberto obtain
application
18.00, T
25
21.00
2,3,4,9
18001432-4932
TE>CAS COtltERCE BK
VISA, TIC
17.80, F
25
20.00
4,S,8,9
1800)843-9629
lit2
TOMI NORTH NB
NASTERCARD, N
14.00, y
0
o.oo
• 143
TRUST CO BK
NASTERCARD, R
18.00, F
25
18.00
2,3,9
1800)822-4072
TRUSTCO BK NY
HASTERCARD,
19.80, F
25
10.00
8,
1518)381-3603
ZS
15.00
1,2,3,4,S,
6,7,8,
I '19 IH0-4134
25
15.00
N.R.
1800 )628-8~'46
JO
20.00
2,J,4,9
1800)972-2234
18.80, F
25
15.00
N.R.
1aoo J44z-::.n&
UNITED MISSOURI BK USA
HASTERCARD, N
19.80, F
ZS
20.00
N.R.
1800J821-518lt
UNITED STATES NB
CLASSIC VISA,
18.90, F
25
15.00
3,lt,
1800 J44S•9931t
SIN
141
144
,
FL
UNION BK
HASTERCARD, CA
19.80, V
146
UNION PLANTERS NB
NASTERCARD, N
18.00, F
iit7
UNION TC
HASTERCARD, CT
17.80, F
148
UNITED BK OF DENYER NA
UNITED BANK HASTERCARD
* 1SO
151
0.25
2.00
UNIVERSAL BK
HASTERCARD CLASSIC ,
USAA CREDIT CD BK
GOLD HASTERCARD,
153
USAA FSB
1.54
VALLEY te OF AAJZONA
STANDARL1 HASTERCARD
,
9
...
N
16.40, V
1
9.90
ZS
20.00
2,3,it,6,7,
1800 Jlt23·":'.'3
13.75, V
4
7.00
25
20.00
2,3,4,S,6,
7,8,9
(8001531-8050
EXT: 80~0
13.75, V
it
7.00
25
o.oo
N.P.
SEE APPEt':ll ':
25
iu.oo
tl.R.
I 800 1862-:-" : ..
c:,
n.oc,
...
18001688-·
z..,
J. ·. lh~
,· -;,
18001642-
R
MASTERCARD/ VISA, N
,
19.80, F
I<
19.80,
VAL,: EY ST 81:
Vl~-~
I:
l'IC:;.:; Fl.r!(~J c;; PIA
1-1,:;TERCAHll 'VIS.\ ,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
SEE APPENDIX
N
V
,
B
'
"15&
4,
R
152
155
4
NY
14S
149
*
BK NA
NASTERCARD
140
19.80, F
R
..
Institution,
credit card plan name
and availability A
Number
• 1S7
NEST CH: BK ID NA
CLASSIC VISA ,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Annual
percentage
Telephone
For variable rate
plans
rate and
number
Grace
type of
period Annual
to obtain
Other
pricing 8 IndexclMarain°IMultipleE (days)F
fee
features 6 application
15,15, V
N
s
11
4.15
25
20.00
18001338-34'94
A f' f' f N U 1 JI.
TERMS OF CREDIT CARD PLANS
January 31, 1992
ADDITIONAL INFORMATION ABOUT CREDIT CARD PLANS. IF CREDIT TERMS ARE THE SAME ACROSS STATES HITHIN A REGIONAL PLAN THE STATE
ABBREVIATIONS ARE GIVEN. IF CREDIT TERMS DIFFER AMONG STATES HITHIN A REGIONAL OR NATIONAL PLAN THE STATE ABBREVIATION
IS OIVEN FOLLOWED BY THE APPLICABLE DIFFERING TERMS.
CODES FOR APPENDIX, INSTITUTION REFERE~CE N~MIER, STAT~ IN!TIALS, APR✓ P • ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR• MARGIN, HULT= MULTIPLE, OP= ORACE PERIOD, AF• ANNUAL ~EE
2
AR,Il,IA,KS,KY,HO,NE,OK,TN
5
AL,AK,AZ,AR,CA,CO,CT,DE,DC,Fl,OA,HI,ID,IL,IN,KS,KY,LA,HE,MD,MA,MI,MN,MS,HO,MT
NE,NV,NH,NJ,NH,NY,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VT,VA,HA,HV,HY
8
Al,FL,GA,TN
15
CA,OR
NA, APR/P • 11,00/F
23
Fl
OA,
25
AR,Il,KS,MO,OK,TN
NC,SC
AR,LA,TX
ADDRESS, CENTRAL IANK
CENTRAL CARD SYSTEMS
P.O. BOX 4928
MONROE, LA 71211
Al,Fl,GA,KY,MD,HS,TN,TX,VA
IN,OH
KY, APR✓ P • 17.99/F
HV, APR✓ P • 17.99/F
ME,
IND = 0,
NC,
IND • 0,
IND s 0,
HI,
26
27
28
31
33
38
40
41
42
43
44
45
47
AF• lZ.00
CT,MA,RI
Al,Fl,GA,Il,SC,TN
Il,IN,MI,OH,TX
AK,Il,IA,KS,KY,MO,TN
MD,NJ,PA,VA
DC,MD,VA
HY, APR/P = 18.00/F
DC,OA,KY,MD,NC,OH,SC,TN,VA,HV
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
MAR= 0.00,
MAR• 0.00
HAR= 0 00
AF= 12.00
AP P E NDI X
TERMS OF CREDIT CARD PLANS
January 31, 1992
CODES FOR APPENDIX,
INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, HULT= MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE
48
OIC,TX
49
CT,NJ,NY
53
Fl,IN,KY,Ml,OH
54
Al
Fl,
58
Al,CA,CO,CT,DE,Fl,GA,ID,ll,IN,IA,KS,KY,LA,MD,MA,Ml,MN,MS,MO,MT,NE,NV,NH,NJ,NM
NY,NC,ND,OH,OK,OR,PA,Rl,SC,SD,TN,TX,UT,VT,VA,HA,HV,HY
Al,CA,FL,OA,ID,IL,IN,IA,KS,KY,LA,MD,MA,Ml,MN,MS,MO,MT,NE,NV,NH,NJ,NM,NY,NC,ND
OH,OK,OR,PA,Rl,SC,SD,TN,TX,UT,VT,VA,HA,HV,HY
59
60
61
NJ,NY,PA
AK,
CT,
GA,
KY,
LA,
MS,
NE,
NJ,
NY,
PA,
TN,
HA,
70
71
73
76
77
78
APR/P • 18.00/F
TX
NM,
APR/P • 17.00/F,
APR/P = 15. 00/F
AF= lZ.00
APR/P = 10.00/F,
AF• 12.00
AF= 12.00
APR/P = 16. 00/F
APR/P,. 16.00/F
APR/P = 16.00/F
APR/P • lZ.00/F
APR/P • 12.00/F
APR/P = 12.00/F
AF = 12.00
AF= 12.00
AF= 12.00
Al,
APR/P = 19.80/F
AF= 14.00
GA, AF• 14.00
LA, APR/P • 19.80/F
HS, APR/P • 19.50/F
TN, AF= 14.00
TX, AF = 15.00
Al,AK,AZ,AR,CA,CO,CT,DE,DC,Fl,GA,Hl,ID,ll,IN,IA,KS,KY,LA,MD,MA,MI,MN,MS,MO,HT
NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,OR,PA,Rl,SC,SD,TN,TX,UT,VT,VA,HA,HV,Hl,HY
ME, APR/P • 17.00/V, AF= 12.00
Al,AZ,AR,CA,CO,CT,DE,DC,Fl,GA,ID,Il,IN,KS,KY,LA,HD,MA,Ml,MN,MS,MO,MT,NE,NH,NJ
NM,NY,ND,OH,OR,Rl,SC,TN,TX,UT,VT,VA,HA,HV,HY
Fl,
IND= 1, MAR• 6.40
NC,SC,TN
FL, AF • 22.00
GA, AF • HI no
AR,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
2
AP P E NU1
TERMS OF CREDIT CARD PLANS
CODES FOR APPENDIX,
Al,CA,DE,DC,Fl,GA,Il,MD,NJ,NM,NY,OK,TX,VA
80
DC,HD,VA
81
IL,IA,MI,MN,HI
84
AZ,CO,ID,IA,KS,MN,MO,NE,ND,SD,UT,HY
85
AL,
IL,
LA,
ME,
MS,
NJ,
NC,
PA,
RI,
86
IL,HI
87
CA, Fl
88
AZ,HA
CA, APR/P = 19.80/F
Fl, AF = 25.00
89
ME,
NC,
WI,
91
AZ,FL,OH,OR,HA
CA, APR/P = 18.00/F,
IL, APR/P :c 16.50/F,
MO, AF= 0.00
NY, APR/P = 16.90/F,
TX, APR/P = 14.37/F,
15.00
20.00
12.00
12.00
12.00
15.00
20.00
15.00
APR/P = 16.70/F
=
=
=
=
=
=
=
=
APR/P = 18.00/F
APR/P = 18.00/F,
APR/P = 18.00/F,
AF= 15.00
AF= 15.00
= o, MAR = 0.00,
= o, MAR = 0.00
IND = o. MAR = 0.00
IND = o, MAR = 0.00,
IND
IND
93
IN,OH,PA
Fl, APR/P
KY, APR/P
MI, APR/P
HV, APR/P
100
Fl,Il,IN,MI,MN,OH,HI
102
CA,
NY,
104
DE,DC,MD,NJ,NY,OH,PA,VA,HV
106
co.
ME,
tlC,
=
=
=
=
16.90/f,
18.00/F,
15.90/F
16.90/F
AF= 20.00
AF= 20.00
~PR/P = 20.90/F
AF = 15.00
APR/P = 18. 00/F
APR/P = 18.00/F
APR/P = 18. 00/F
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
January 31, 1992
INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, MULT ~ MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE
79
AF
AF
AF
AF
AF
AF
AF
AF
.ll
AF = 20.00
AF =
0.00
AP P ENDI X
TERMS OF CREDIT CARD PLANS
January 31, 1992
CODES FOR APPENDIX1
HI,
INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, MULT = MULTIPLE, GP= GRACE PERIOD, AF= AIINUAL FEE
APR/P = 18.00/F
·9
NJ,NY,PA
10
CT,NJ,NY
12
DC,MD,VA
FL, AF = 21. 00
GA, APR/P = 17.90/F,
SC, GP = 0
TN, APR/P = 18.90/T
AF= 12.00
ll3
FL,IL,IN,MI,OH
l20
AL,AK,AZ,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT
NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VT,VA,HA,HV,HI,HY
l26
AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,Hl,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO
MT,NE,NV,NH,NJ,NH,NY,NC,ND,OH,OK,OR,Rl,SC,SD,TN,TX,UT,VT,VA,HA,WV,HI,HY
L28
AL,AZ,CA,FL,GA,ID,IL,KY,NE,NC,ND,OH,OR,SC,SD,TN,TX,VA
132
AK,AZ, ID,HA
CA,
NV,
OR,
APR/P = 18.80/F
APR/P = 19.50/F
APR/P = 19.50/F,
134
AR,
AF= 25.00
135
FL,GA,IN,MS,OH,TN
MI, APR/P = 17.90/V
137
AL,AK,DE,GA,IN,KS,KY,LA,MD,MS,MO,NC,OH,OK,SC,TN,TX,VA,HV
L38
IN, KY, OH, WV
142
ADDRESS,
143
GA
AL,
FL,
150
AF= 15.00
TOHN NORTH NATIONAL BANK
4455 LBJ FREEWAY
P.O. BOX 814810
DALLAS, TX 75244
APR/P = 21.00/T, GP=
AF= 12.00
sc. GP= 0, AF= 12.00
CA,OR,HA
0,
AF=
0.00
152
AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO
MT,NE,NV,NH,NJ,NH,NY,NC,ND,OH,OK,OR,RI,SC,SD,TN,TX,UT,VT,VA,HA,HV,HI,HY
1 ~~
ADDRESS,
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
USAA CREDIT CARD CENTER, INC.
n t1nv nii;i;,i
p.
..
CODES FOR APPENDIX,
AZ,CO,NM,UT
155 NE, AF= 0.00
SD, AF = O. 00
156 AZ,CA,HA
157 OR,
UT,
WA,
-··--·· January 31, 1992
TERMS OF CREDIT,.CARD PLANS
INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR✓ P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, HULT= MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE
154
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
MAR•
MAR=
MAR=
12,
12,
12,
AF= 12.00
AF= 12.00
AF= 12.00
