Full text of E.5 Choosing a Credit Card : September 17, 1991

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

REPORT ON THE TERMS OF CREDIT CARD PLANS
Every six months the Federal Re~erve System collects and
publishes a report on the tenns of credit card plans offered by
financial institutions. This report includes infonnation 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 tenns, 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 tenns 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 tenn
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
balance computation method. Most of this information is shown by state
if a creditor's tenns 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 tenns 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 issue·rs.
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.


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Federal Reserve Bank of St. Louis

E.5 (115)

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

Institution,
credit card plan name
and avai labi Ii ty A

Number
l

ABBOTT BK
HASTERCARD

July n . 1991

Annual
percentage
For variable rate
plans
Grace
rate and
type of
period Annual
pricingB IndexclMarginDIMultipleE (days)F
fee
16.40, y

•

9

ALTON MERCANTILE BK NA
VISA, R

3

AMALGAMATED T&SB
STANDARD MASTERCARD

17.90. F

,

l't.so. V

l

6.00

0.00

SEE APPENDIX FOR ADDITIONAL INFORMATION ABOUT AVAILABILITY OR DIFFERENT TERMS ACROSS STATES.

A.

CODE FOR AVAILABILITY OF CARO TO CONSU1ERS:
N = NATIONAL• R = ONLY IN SELECTED STATES,

C.
D,
E,

o.oo

(800)999-6977

ZS

zo.oo

(800)755-4070

ZS

0.00

(800)365-6464

N

*

B.

ZS

N

• z

Other
featuresG

Telephone
number
to obtain
application

STATE ABBREVIATION= ONLY IN STATE SPECIFIED

CODE FOR TYPE OF INTEREST RATE PRICING:
F = FIXED, V = VARIABLE.
T = TIERED (RATE CHAN'3ES tollTH THE LEVEL OF OUTSTANDING BALANCE.

THE RATE SHCJtfl APPLIES TO THE LOHEST OF THE BALANCE TIERS)

THE INTEREST RATE ON VARliulLE RATE PLANS IS BASED ON AN INDEX. THE CODE IN THE TABLE INDICATES HHICH OF THE FOLLOHING INDEXES THE PLAN USES.
l = PRINE RATE. Z = ONE-HONTH TREASURY BILL RATE, 3 = THREE-MONTH TREASURY BILL RATE, 4 = SIX-HONTH TREASURY BILL RATE,
5 = ONE-YEAR TREASURY BILL, 6 = FEDERAL FUNDS RATE.
7 = COST OF FUNDS. 8 = FEDERAL RESERVE DISCOUNT RATE• 9 = OTHER.
THE MJHBER OF PERCENTAGE POINTS THE INSTITIJTION ADDS TO THE INDEX RATE TO CALCULATE THE RATE CHARGED.
THE NU-eER BY HHICH THE INSTITIJTION HULTIPLIES THE INDEX OR THE INDEX PLUS MARGIN TO CALCULATE THE RATE CHARGED.

F.

A GRACE PERIOD INDICATES THAT NO INTEREST HILL BE CHARGED FOR CREDIT EXTENDED ON PURCHASES IF PAVHENT IN FULL IS RECEIVED HITHIN THE STATED NUHBER 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 AUTOHATICALLY INCLUDED IN THE CREDIT CARO PLAN HITHOUT ADDITIONAL CHARGE,
1 = REBATES ON PURCHASESJ Z = EXTENSION OF HANFACTURERS HARRANTYJ 3 = PURCHASE PROTECTION/SECURITYJ 4 = TRAVEL ACCIDENT INSURANCEJ
5 = TRAVEL RELATED DISCOUNTSJ 6 = AUTOMOBILE RENTAL INSURANCEJ 7 = DISCOUNTS ON SELECTED GOODS OR SERVICES IOTHER THAN TRAVEL REALTEDIJ
8 = CREDIT CARD REGISTRATIONJ 9 = OTHER INOT SPECIFIED I.
N.R. = NOT REPORTEDJ


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Federal Reserve Bank of St. Louis

••• = NOT APPLICABLE.

Institution,
credit card plan name
and availability A

Number

*

*

4

AMERICAN EXPRSS CENTURION BK
OPTIMA CARD, N

16.25, V

5

AMERICAN GEN FNCL CTR
THE HORE CARD (VISA) ,

6

AMERICAN NB OF NY
VISA INSTANT CREDIT,

6.75

2,3,4,6,9

(800)445-7374

o.oo

N.R.

(800)828-6673

20

69.00

N.R.

(914)833-0560

25

15.00

19.80, F

25

19.80, F

1

R

Telephone
number
to obtain
application

N

7

AMERICAN SVG FS&LA
VISA CLASSIC, CA

18. 90, F

25

18.00

4,

(800)788-7000

8

AHERITRUST CO NA
VISA CLASSIC ,

18.00, F

25

20.00

4,5,8,9

(800)422-2442
EXT: 3000

19.50, F

25

1s.oo

4,

(800)365-5700

16.7S, F

2S

lS.00

1,4,5,6,8,
9

I 800 J992-29S9

19.80, F

2S

18.00

N.R.

(800)282-7541

N

9

AHSOUTH BK BIRHINGHAM NA
MASTERCARD CLASSIC, R

10

APPLE BK FOR SVG
VISA IAFT AFFINITY CARD)

11

*

Annual
For variable rate
percentage
plans
rate and
Grace
type of
Other
period Annual
featuresG
pricing 8 IndexclMargin°IMultipleE Cdays)F
fee

BANCOHIO NB
MASTERCARD CLASSIC

•

•

N

N

12

BAN< IV NICHITA NA
VISA, N

17.76, F

25

12.00

N.R.

(800)333-5221

13

BANK OF AMERICA NT&SA
VISA CLASSIC, N

19.80, F

ZS

18.00

N.R.

(800)227-5458

14

BAN< OF BALTIMORE
VISA/HASTERCARD

18.90, F

30

12.00

4,

(800)252-5002

17.90, F

ZS

18.00

4,5,8,9

(800)762-2273

16.SO, F

25

15.00

Z,3,4,6,

(808)543-9611

30

25.00

2,3,4,6,8,
9

(800)942-1977

•

15

BAN< OF DELAMARE
VISA, DE

16

BAN< OF HANAII
VISA CLASSIC CARD

R

•

N

17

BANK OF NEH YORK - DELAHARE
GOLD MASTERCARD, N

16.40, V

18

BAN< ONE CLEVELAND NA
VISA CLASSIC CARD,

19.80, F

ZS

zo.oo

N.R.

OH

(800)223-5805
EXT: S668

BANK ONE COLut'BUS NA
VISA CLASSIC CARD,

19.80, F

ZS

zo.oo

N.R.

(800)442-4141

N
18.00, F

0

20.00

N.R.

I 5131449-1471

19

zo

BANK ONE DAYTON NA
VISA CLASSIC, N


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Federal Reserve Bank of St. Louis

1

7.90

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricingB lndexclMargin°IMultipleE Cdays)F
fee
features 6

Institution,
creuit card plan name
and aval labi li ty A

Number

Telephone
number
to obtain
application

21

BANK ONE LAFAYETTE NA
VISA, IN

19.80, F

30

15.00

4,7,8,

(800)395-2555

22

BANK ONE NA
MASTERCARD

19.80, F

25

20.00

4,

1800)456-6976

BARNETT CARD SERV CORP
VISA CLASSIC, R

18.00, F

25

21.00

4,9

(800)342-8472

24

BAYBANK HIDDLESEX
HASTERCARD, N

17.46, F

25

21.00

4,8,9

(800)221-3393

• 25

BOATHENS BK OF DE
MASTERCARD, R

17.80, F

25

20.00

4,9

(800)426-6420

*

26

BRANCH BKG&TC
MASTERCARD,

18.00, F

25

15.00

4,

(800)476--4228

*

27

CENTRAL BK
VISA, R

18.00, F

25

12.00

4,9

*

28

CENTRAL BK OF THE SOUTH
HASTERCARD, R

15.SO, V

30

20.00

4,6,8,

(800)239-5175

29

CENTRAL CAROLINA B&TC
HASTERCARD, N

17.88, F

0

D.00

1,2,4,6,

1800)672-2539

30

CENTRAL FIDELITY BK
HASTERCARD • N

18.00, F

25

15.00

2,3,

(800)388-5634

CENTRAL TC NA
VISA, R

18.90, F

25

18.00

4,5,6,8,

(800)762-2273

CHASE MANHATTAN BK USA
VISA/MASTERCARD, N

19.80, F

30

20.00

2,3,4,6,7,

(800)441-7681

33

CHEMICAL BK DELAHARE
HASTERCARD, N

18.40, V

34

CHEMICAL BK NJ NA
HASTERCARD, NJ

35

*

• 23

• 31

32

*

,

R

R

1

7.00

9

25

o.oo

19.80, F

25

CHEVY CHASE SVG BK FSB
VISA CARD , N

17.90, F

36

CITIBANK MARYLAND NA
VISA, N

37

CITIBANK SOUTH DAKOTA NA
CITIBANK CLASSIC VISA ANO HASTERCARD ,


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Federal Reserve Bank of St. Louis

SEE APPENDIX

N

N.R.

(302)421-1300

15.00

4,

(800)452-5741

25

40.00

N.R.

(800)937-5000

16.90, T

25

20.00

9

(800)638-4767

19.80, F

25

20.00

2,3,4,5,7,
8,9

1800)843-0777

1

9.90

Institution,
credit card plan name
and avai labi Ii ty A

Number

*

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

Telephone
nu,nber
to obtain
application

N.R.

(401)456-7614

2,3,4,S,6,

(303)620-7329

16.90, F

25

20.00

COLORADO NB OF DENVER
VISA GOLD, N

18.60, F

25

12.00

18.00, F

25

12.00

N.R.

1800)282-1205

18.00, F

30

20.00

4,

1800)841-0012

17.50, F

25

0.00

N.R.

1800)645-2103

25

20.00

4,5,9

(800)833-3010

38

CITIZENS TC
CITIZENS VISA CLASSICS,

39

R
8,9

*

40

COLUMBUS BK CO
VISA CLASSIC,

*

41

COHERICA BK
18X MASTERCARD

*

42

COHHERCE BK OF OHAHA NA
SPECIAL CONNECTIONS VISA &MASTERCARD,

R

•

R
R

43

CORESTATES BK OF DEL NA
VISA, N

17.80, V

*

44

CRESTAR BK
VISA CLASSIC ,

15.90, F

25

20.00

4,9

(800)368-7700

*

45

DIAL BK
VISA/MASTERCARD

19.80, F

25

20.00

3,4,6,

(605)336-3933

l

8.80

R

•

N

46

DOLLAR DRY DOCK BK
VISA, N

16.80, F

25

25.00

N.R.

I 914 )397-2000

47

DOHINION BK NA
VISA, R

17.39, F

25

18.00

4,

I 800 )955-4670

• 48

EQUITY BK SVG FA
VISA, R

17.90, F

30

15.00

N.R.

(800)456-2273

*

49

EUROPEAN AMERICAN BK
HASTERCARD • R

19.68, F

25

20.00

N.R.

(516)296-6028

so

FCC NB
VISA,

19.80, V

l

9.90

25

20.00

4,7,9

(800)368-4535

14.20, V

l

5.70

25

20.00

9

1800)753-2900

19.80, F

25

18.00

N.R.

(800)972-3030

21.00, T

25

15.00

N.R.

I 800 1828-0893

25

20.00

1,2,3,4,

I 800 >572-4004

*

51

*
*

52
53
54

N

FIDELITY NB
VISA CONSl.ttERSCARD,
FIFTH THIRD BK
VISA CARD CLASSIC,

N
R

FIRST ALABAHA BK
HASTERCARD CLASSIC,

R

FIRST AHERICAN BK OF VA
FIRST PERCENT VISA,

N


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Federal Reserve Bank of St. Louis

14.00, V

l

5.50

Institution,
credit card plan name
and availabilityA

Number

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

*

55

FIRST BK SOUTH DAKOTA NA
FIRST BANKS VISA• R

19.80,

F

ZS

15.00

*

56

FIRST DEPOSIT
VISA, R

21.90.

F

0

o.oo

*

57

FIRST FIDELITY BK NA NJ
FIRST FIDELITY VISA,

18.80.

T

25

*

58

FIRST FINANCIAL BK FSB
FIRST FINANCIAL VISA,

17.80,

F

59

FIRST HAHAIIAN BK
MASTERCARD, HI

16.50.

60

FIRST INTERSTATE BANCARD NA
VISA, N

61

*

Telephone
number
to obtain
application

4,

I 800 )343-1577

1,2•3•4•6•
9

(800)227-6886

15.00

4,5,

(800)338-0644

ZS

15.00

1,Z.3,4,5,
6.8.9

(800)472-7708

F

27

15.00

4.

C808)5Z5-8794

21.00.

F

ZS

20.00

N.R.

1800)955-5050

FIRST INTERSTATE BK AZ. NA
VISA• N

18.oo.

F

ZS

zo.oo

4.s.6,8.

(800)365-7043

62

FIRST INTERSTATE BK CA
MASTERCARD • CA

17.90. y

9

ZS

25,00

N.R.

(800)955-5050

63

FIRST INTERSTATE BK NY NA
MASTERCARD• NY

21.60.

V

9

25

15.00

N.R.

(800)955-5050

64

FIRST INTERSTATE BK OR NA
VISA CLASSIC CARD, OR

1,.so.

F

25

zo.oo

4.s.a,

(800)955-5050

65

FIRST INTERSTATE BK HA NA
VISA• HA

17.90.

F

25

18.00

4.

1805)955-5050

66

FIRST NATIONNIDE BK FSB
VISA CLASSIC• R

17.90.

F

25

12.00

4,

(800)654-2320

67

FIRST NB ATLANTA
VISA• N

14.98.

F

25

ZS.00

4.s.

(800JZ41-7990

68

FIRST NB IN HICHITA
REGULAR MASTERCARD AND VISA

18.00.

F

25

18.00

4.8,

(316)383-1354

25

10.00

4.

1800)727-7927

25

12.00

N.R.

(800J826-3390

0

0.00

4,5.9

(800)688-7070

NB

R

N

•

N

*

69

FIRST NB OF ALBUQUERQUE
AAA VISA • R

1a.oo.

V

*

70

FIRST NB OF CotflERCE
VISA CLASSIC • R

18.oo.

F

71

FIRST NB OF OHAHA
VISA • N

19.80,

V


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Federal Reserve Bank of St. Louis

1

9

7.00

13

l'l!:>titution,
credit :;ard plan name
and availabilityA

Nu~~~

*

72

FIRST NH BK
MASTERCARD,

Annual
percentage
For variable rate
Grace
rate and
plans
type of
period Annual
Other
featuresG
pricing 8 lndexclMarginDIMultipleE Cdays)F
fee

Telephone
number
to obtain
application

17.50, V

1

1.00

25

18.00

Z,3,4,

(800)852-3719

R

73

FIRST otflI BK NA
VISA, N

19.80,

V

4

10

ZS

18.00

4,

(800)441-8026

74

FIRST SECURITY BK OF UTAH NA
VISA, UT

16.88,

V

5

10

ZS

zo.oo

4,5,6,

(800)445-1278

*

75

FIRST SIGNATURE B&TC
VISA CARO, R

17.33, V

3

11.8

ZS

o.oo

4,8,

(800)552-1776

*

76

FIRST TENN BK NA
VISA CLASSIC ,

17.90, T

ZS

18.00

N.R.

I 800 JZ34-Z840

N

• 77

FIRST UNION NB Of GEORGIA
MASTERCARD, R

18.00,

F

ZS

zo.oo

N.R.

(800)359-3862

*

78

FIRST USA BK
MASTERCARD,

17.90, F

ZS

o.oo

N.R.

(800)955-9900

*

79

FIRST VIRGINIA BK
VISA, R

ZS

15.00

4,8,

(800)634-8803

*

80

FIRST HISCONSIN NB
ELAN MASTERCARD,

18.00, F

ZS

15.00

4,8,

(414)765-4357

R
18.00, V

1

z.oo

R

81

FIRST-CITIZENS B&TC
MASTERCARD, SC

Zl.96, T

0

0.00

4,

I 803 )733-ZOSO

*

8Z

FIRSTIER BK NA
VISA, R

18.00, F

ZS

18.00

4,

1800)43Z-3Z09

*

83

FLEET NB
MASTERCARD

16.70, F

ZS

25.00

4,

(800)537-3777

*

84

GARY-HHEATON BK NA
VISA, R

19.80, F

30

0.00

3,4,5,6,

1800)8ZZ-847Z

*

85

GLENDALE FED BK FSB
VISA CLASSIC, R

14.95, F

0

17.00

4,

(800)733-8383

*

86

GREAT HESTERN BK FSB
VISA CLASSIC, R

18.00, F

ZS

20.00

2,3,

(800)382-3334

*

87

GREENHOOO TC
DISCOVER CARO,

19.80, F

25

o.oo

1,4,7,

(800)347-2683

19.80, F

30

0.00

N.R.

1708 JSZ0-6550

88

•

HARRIS T&SB
MASTER/VISA,


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Federal Reserve Bank of St. Louis

N

N
N

Institution,
credit card plan name
and availabilityA

Number

*

*

89

HOHE SVG OF AMERICA FA
VISA, R

90

HOUSEHOLD BK NA
VISA CARD REGULAR

91

HUNTINGTON te
MASTERCARD,

92

Ite te
VISA CARD,

,

25

18.00

4,

(800)826-5098

21.00, F

25

o.oo

4,

(800)477-6000

F

25

18.00

N.R.

( 800 )821-3408

19.80, F

30

15.00

4,

(800)344-1140

19.50, F

30

15.00

N.R.

(800)247-4714

25

20.00

4,

(800)666-1897

30

20.00

N.R.

( 716 )633-2590

0

o.oo

N.R.

(302)366-8478

19.80, F

25

20.00

3,4,9

(800)648-3355

7

9.00

N
18.90,

N

JC PE~Y te
YISA/ttASTERCARD,

94

KEY BK NY NA
MASTERCARD,

• 96

16.33, V

Telephone
number
to obtain
application

R

93

95

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
featuresG
pricing 8 lndexclMargin°IMultipleE ( days)F
fee

N
17.90, V

1

5.00

NY

HAl'a.lFACTURERS & TRADERS TC
VISA, NY

19.80, F

HANUFACTURERS BK NILHINGTON
MASTERCARD, R

15.80, V

4

10

97

HAl'a.lFACTURERS HANOVER TC
MASTERCARD - STANDARD

98

HAl'a.lFACT\JRERS te
MASTER CARD, HI

18.00, F

25

16.00

N.R.

(800)346-1300

• 99

NARINE NIDLAND BK NA
MASTERCARD, N

19.80,

F

25

20.00

4,5,

1800)624-6600

• 100

MASSACHUSETTS CO
MASTERCARD, R

17.90, F

25

o.oo

2,3,4,5,6,

1800)842-1813

101

N8NA AMERICA BK NA
ttASTERCARD, N

19.80, F

25

20.00

N.R.

1800)847-7378

NELLON BK DELAMARE NA
YISA/HASTERCARD, R

18.60, F

25

18.00

4,5,8,

1800)753-7011

17.80, F

25

15.00

4,

1317 )267-6161

19.80, F

30

10.00

N.R.

1800)544-5232

21.96, T

0

0.00

4,

18031775-1236

• 102
103
• 104
105

MERCHANTS te&TC OF
MASTERCARD CLASSIC,
to«lGRAN BK USA
VISA CLASSIC - AHES,
NATIONAL BK OF SC
MASTERCARD, SC


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

,

N

8,9

IN
N

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
pricingB lndexclMargin°IMultipleE ( days )f
fee

Institution,
credit card plan name
and availability A

Number

Other
featuresG

Telephone
number
to obtain
application

106

NATIONAL CITY BK
HASTERCARD, OH

17.90, F

25

lB.00

N.R.

(800)622-8100

tt

107

NATIONAL HESTMINSTER BK NJ
HASTERCARD, R

19.80, F

25

15.00

4,

(800)527-0086

tt

108

NATIONAL HESTMINSTER BK USA
VISA CARD, R

19.80, F

25

20.00

4,6,

15161420-1122

109

NATIONSBAN< NA

17.90, F

25

18.00

4,

( 800 )759-6262

16.80, F

25

36.00

2,3,4,5,6,
9

1800 )766-4623

18.00, F

25

18.00

4,9

1800 )766-4623

17.90, F

25

20.00

4,

(800)537-3777

17.90, F

25

20.00

N.R.

1800)468-4551

19.80, F

25

18.00

N.R.

1800)247-8101

19.80, F

25

18.00

N.R.

(800)247-8101

19.80, F

25

18.00

N.R.

1800)247-8101

19.80, F

25

18.00

N.R.

1800)247-8101

16.80, F

25

0.00

2,3,4,6,9

18001666-1011

14.75, F

25

25.00

4,

1800)356-1445

18.00, F

25

20.00

4,8,

(800)245-5353

13.90, F

25

25.00

2,3,4,6,

(800)423-3273

17.99, F

25

18.00

4,5,8,9

(800)762-2373

VISA,
110
tt

111
112

tBD BK NA
GOLD HASTERCARD
tBD DELAHARE BK
HASTERCARD,

R

NORSTAR BK NA
HASTERCARD,

N

HI

•

113

NORSTAR BK OF UPSTATE NY
HASTERCARD, NY

114

NORHEST BK IOHA NA
NORHEST CARD SERVICES HASTERCARD,

N

NORHEST BK tlil NA
NORHEST CARD SERVICES HASTERCARD,

N

115

tt

N

116

NORHEST BK NEBRASKA NA
HASTERCARD , N

117

NORHEST BK SD NA
NORHEST CARD SERVICES HASTERCARD

118
119
120
121
122

OAK BROOK BK
GOLD HASTERCARD,
OHIO SA
VISA CARD ,

PEOPLES BK
PEOPLES BANK VISA


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

N

R

N

OLD KENT B&TC
HASTERCARD/YISA,

PNC NB
VISA,

•

N

N

•

N

Institution,
credit card plan name
and availability A

Number

*

*

*

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricing 8 IndexclMarginDIMultipl~E Cdays)F
fee
featuresG

123

PRIHERICA BK
GOLD HASTERCARD,

124

PRUDENTIAL BITC
VISA CLASSIC,

R

125

PUGET ~D NB
VISA CLASSIC ,

HA

126

REPl8LIC NB
VISA, R

127

ROCKLAND TC
MASTERCARD

17.25, V

8.75

25

o.oo

30

2,3,4,6,9

C800 J 772- 7775

19.00

2,3,9

(800)322-2369

25

18.00

4,5,

1800)882-2265
EXT: 3870

25

20.00

N.R.

(800)473-5252

ZS

22.00

4,

1618)878-6100

21

18.00

4,5,

1800)552-7302

N
17.90, F
15.50, V
18.60,

,

l

Telephone
number
to obtain
application

4

4.00

F

17.52, V

3

18.00, V

4

Z.00

HA

128

SEATTLE-FIRST NB
REGULAR HASTERCARD

129

SECURITY BITC
VISA, N

18.00, F

30

o.oo

N.R.

1313)281-5000

130

SECURITY PACIFIC BK NA
MASTERCARD, R

18.00, F

25

18.00

4,9

1800)243-7762

131

SIGNET BK - VA
MASTERCARD,

19.80,

F

30

18.00

4,5,6,8,9

1800)955-7070

132

SIHHONS FIRST NB
VISA CLASSIC ,

25

25.00

4,

(501)541-1087

133

SKANEATELES SVG BK
VISA CLASSIC , NV

16.50, F

25

18.00

N.R.

C315 '685-3065

134

SOCIETY NB
NASTERCARD,

15.53, V

25

zo.oo

Z,3,4,6,

(800)624-7634

18.90, F

0

o.oo

4,

1803 )771-3939

18.00, F

ZS

21.00

2,4,6,8,9

1800 )654-2273

135
136

,

4.00

N

N
10.50, V

8

5.00

N

4

9.50

N

SOUTH CAROLINA NB
VISA CARD, 18.9% NO FEE NO GRACE
SOUTHEAST BK NA
HASTERCARD GENERIC,

,

SC

N

*

137

SOUTHTRUST BK OF AL NA
VISA CLASSIC, R

21.00, T

25

15.00

N.R.

1800)292-6538

*

138

SOVRAN BK NA
VISA-CLASSIC,

18.00, F

2S

15.00

4,

1800)732-9194

*

139

STAR BK NA
VISA, R

ZS

o.oo

2,3,4,S,

(800)999-0619


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

R
15.50, V

l

7.00

l

Institution,
credit card plan name
and avai labi 1 i ty A

Number
140

STATE SVG BK
VISA, OH

141

SUN BK NA

MASTERCARD,

*

(8001432-4932

30

20.00

4,5,8,9

18001843-9629

0

o.oo

18.00, F

25

18.00

2,3,9

1800 1822-4072

F

25

10.00

8,

(5181381-3603

25

15.00

2,3,4,7,

1619)230-4134

25

TOffl NORTH Nl
HASTERCARD,

14.00, y

N

TRUST CO BK
MASTERCARD,

R

TRUSTCO BK NY
MASTERCARD,

NY

UNION BK
HASTERCARD,

CA

19.80,

19.80, y

4

0.25

9

2.00

4,5,

SEE APPENDIX

147

UNION PLANTERS Nl
HASTERCARD, R

18.00,

F

25

15.00

N.R.

1800)628-8946

148

UNION TC
MASTERCARD, CT

17.80, F

30

20.00

2,3,4,

1800)972-2234

149

UNITED BK OF DENiER ~A
HASTERCARt, R

18.80, F

25

15.00

N.R.

13031861-5200

150

UNITED HISSOURI BK USA
HASTERCARD, N

19.80, F

25

20.00

4,

1800)821-5184

UNITED STATES Nl
CLASSIC VISA,

18.90, F

25

15.00

3,4,9

18001445-9934

152
153
154
• 155

*

2,3,4,9

18.00, T

FL

143

• 151

*

21.00

0.00

17.80, F

146

*

18001421-9543

25

TEXAS COtltERCE BK
VISA, TX

144

Telephone
number
to obtain
application

N.R.

16.80, F

142

145

*

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

156

R

UNIVERSAL BK
UNIVERSAL CARD,
USAA CREDIT CD BK
GOLD MASTERCARD,

VALLEY NB OF ARIZONA
STANDARD MASTERCARD,


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

l

8.90

25

o.oo

2,3,4,6,7,

1800)423-4343

13. 75, y

4

7.00

25

20.00

2,3,4,5,6,
7,8,9

18001531-8050

13.75, y

4

7.00

25

o.oo

N.R.

SEE APPENDIX

25

20.00

N.R.

18001862-2427

0

0.00

4,

( 800 )688- 70 70

R

USAA FSB
MASTERCARD/ VISA,

VALLEY ST BK
VISA, R

17.40, y

N

N
19.80, F

R
19.80, y

9

13

1

Number

Institution,
credit card plan name
and availabilityA

Annual
percentage
For variable rate
Telephone
plans
number
rate and
Grace
type of
period Annual
Other
to obtain
pricing 8 IndexclMargin°IMultipleE (days)f
featuresG application
fee

*

157

HELLS FARGO BK NA
NASTERCARD, R

19.80, F

*

158

HEST ONE BK ID NA
CLASSIC VISA • N

16.96, y

*

159

NILHitGTON TC
NASTERCARD,

18.00, F


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

R

5

11

25

18.00

4,9

1800)642-4720

2S

20.00

4,

1800)338-3494

2S

18.00

4,8,9

(302)652-2378

AP P E NDI X
TERMS OF CREDIT CARD PLANS
July 31, 1991
IDITIONAL INFORMATION ABOUT CREDIT CARD PLANS. IF CREDIT TERMS ARE THE SAME ACROSS STATES WITHIN A REGIONAL PLAN THE STATE
IBREVIATIONS ARE GIVEN. IF CREDIT TERMS DIFFER AMONG STATES WITHIN A REGIONAL OR NATIONAL PLAN THE STATE ABBREVIATION
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

2

AR,IL,IA,KS,MO,NE,OK,TN
KY, APR/P = 17.60/F

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,HA,WV,HY

9

AL,FL,GA,MS,TN

14

DE,IN,MD,OH,PA,VA

22

FL,IL,IN,KY,Ml,MO,OH,PA,TN

23

FL

GA,

AF= 12.00

25

IL,KS,MO,TN

26

NC,SC

27

AK,LA,TX
ADDRESS:

28

AL,FL,GA,KY,MD,MS,TN,TX,VA

31

IN,KY,OH,WV

33

ME,
NC,
WI,

38

CT,MA,RI

40

AL,FL,GA,IL,TN

41

IL,IN,MI,OH,TX

42

AK,IL,IA,KS,KY,MO,OK,TN

44

DC,MD,VA

45

WV,

47

DC,GA,MD,NC,OH,SC,TN,VA

48

OK,TX

CENTRAL BANK
CENTRAL CARD SYSTEMS
P.O. BOX 4928
MONROE, LA 71211

APR/P = 18.00/F,
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

IND= 0,
IND= 0,
IND= 0,

MAR= 0.00,
MAR= 0.00
MAR= 0.00

AF= 12.00

1

AP P E NDI X
July 31, 1991
TERMS OF CREDIT CARD PLANS
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

49

CT,NJ,NY

52

Fl,IN,KY,MI,OH

53

Al
Fl,

55

ID,IA,MN,MO,MT,NE,ND,OR,SD,HA,Hl,WY

56

Al,CA,CO,CT,DE,Fl,GA,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

57

NJ,NY,PA

58

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

APR/P = 18.00/F

APR/P = 17.00/F
APR/P = 10.00/F,
APR/P = 15.00/F,
AF = 0. 00
AF= 12.00
APR/P = 10.00/F,
AF= 12.00
AF= 12.00
AF= 12.00
APR/P = 16.00/F
APR/P = 16.00/F,
APR/P = 16.00/F
AF = 0.00
APR/P = 12.00/F,
AF= 0.00
APR/P = 12.00/F
APR/P = 12.00/F,

GP=
GP=

0,
0,

AF= 12.00
AF= 0.00

GP=

0,

AF=

0.00

GP=

O,

AF=

0.00

GP=

0,

AF=

0.00

GP=

O,

AF=

0.00

66

AZ,CA,CO,Fl,HI,Il,MI,NJ,NY,OH,PA
MO, APR/P = 19.90/T

69

NM,TX

70

NC,RI,SC
Al, APR/P = 19.80/F
Fl, AF= 14.00
GA, AF = 14.00
LA, APR/P = 19.80/F
MS, APR/P = 19.50/F
TN, AF= 14.00
TX, AF= 15.00

72

Al,AK,AZ,AR,CA,CO,CT,DE,DC,Fl,GA,HI,ID,Il,IN,IA,KS,KY,LA,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,WA,WV,WI,WY
ME, APR/P = 17.00/V, AF= 12.00

75

Al,AZ,AR,CO,CT,DE,DC,Fl,GA,ID,Il,IN,KS,KY,LA,MD,MA,Ml,MN,MS,MO,MT,NE,NH,NJ,NM
NY,ND,OH,OR,RI,SC,TN,TX,UT,VT,VA,WA,WV,WY
CA, APR/P = 17.66/V


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

2

CODES FOR APPENDIX,
76

AR,

77

NC, TN
FL,

GA,
SC,

IND= 1,

AP P E NDI X
TERMS OF CREDIT CARD PLANS
July 31, 1991
INSTITUTION REFERENCE NUMBER, STATE INITIALS, APR/P = ANNUAL PERCENTAGE RATE/TYPE OF PRICING,
MAR= MARGIN, MULT = MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE

MAR= 6.40

AF = 22.00
AF= 18.00
APR/P = 21.96/T,

AF=

0.00

78

AL,CA,DE,DC,FL,GA,IL,MD,NJ,NM,NY,OK,TX,VA

79

DC,MD,VA

80

IL,IA,MI,MN,WI

82

AZ,CO~ID,1A,KS,MN,MO,NE,ND,SD,UT,WY

83

AL,
IL,
LA,
ME,
MS,
NJ,
NC,
PA,

84

'IL, WI

85

CA, FL

86

AZ,WA
CA, APR/P = 19.80/F
FL, AF = 25. 00

87

ME,
NC,
WI,

89

AZ,FL,OH,WA
CA, APR/P = 19.20/F,
IL, APR/P = 16. 50/F,
MO, AF= 0.00
NY, APR/P = 16.90/V
TX, APR/P = 14. 00/F,

91
96
99
100

AF
AF
AF
AF
AF
AF
AF
AF

=
=
=
=
=
=
=
=

15.00
20.00
12.00
12.00
12.00
15.00
20.00
15.JO

APR/P = 18.00/F
APR/P = 18.00/F,
APR/P = 18.00/F,

AF= 15.00
AF= 15.00
IND =
IND =

o, MAR = o.oo,
o, MAR = 0.00

IND =

o,

AF = 20.00

MAR = 0.00

IN,OH,PA
KY, APR/P = 18.00/F
FL,IL,IN,Ml,MN,OH,WI
CA,
NY,

APR/P = 20.90/F
AF = 15.00
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,NM,NY,NC,ND,OH,OK,OR,Rl,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WY


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

AP P E NDI X
July 31, 1991
TERMS OF CREDIT CARD PLANS
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

102

DE,DC,MD,NJ,NY,OH,PA,VA,HV

104

co,

107

NJ,NY,PA

108

CT,NJ,NY

111

FL,IL,IN,MI,OH

118

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,WY

124

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,NM,NY,NC,ND,OH,OK,OR,RI,SC,SD,TN,TX,UT,VT,VA,WA,HV,Wl,WY

126

AL,AZ,CA,FL,GA,ID,IL,KY,NE,NC,ND,OH,OR,SC,SD,TN,TX,VA

130

AZ,WA
CA, APR/P = 18.80/V,
OR, APR/P = 19.50/F,

137

AL,AK,DE,GA,IN,KS,KY,LA,MD,MS,MO,NC,OH,OK,SC,TN,TX,VA,HV

138

DC, MD, VA
FL, AF = 21.00
GA, APR/P = 17.90/F, AF= 12.00
SC, GP= 0, AF= 0.00
TN, APR/P = 18.90/T

139

IN,KY,OH,HV

143

ADDRESS,

144

GA
AL,
FL,
SC,

147

AL,AR,GA,MS,TN

149

CO,MT,ND,SD,WY

151

OR,WA

153

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

ME,
NC,
WI,

=
=
=
=

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

18. 00/F
18. 00/F
18. 00/F
18.00/F

IND= 9
AF= 15.00

TOWN NORTH NATIONAL BANK
4455 LBJ FREEWAY
P.O. BOX 814810
DALLAS, TX 75244

APR/P = 21.00/T, GP=
GP= O, AF= 12.00
GP= 0, AF= 12.00


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

0,

AF=

0.00

4

AP P ENDI X
July 31, 1991
TERMS OF CREDIT CARD PLANS
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

USAA CREDIT CARD CENTER, INC.
P.O. BOX 216S8
TULSA, OK 74121

1S4

ADDRESS1

1S5

AZ,NM,UT

1S6

IA,MN,NE,SD

1S7

AZ,CA,HA

1S8

OR,
UT,
HA,

1S9

DE,MD,NJ,PA

APR/P = 17. 96/V,
APR/P = 17. 96/V,
APR/P = 17. 96/V,


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

5