Full text of E.5 Choosing a Credit Card : September 17, 1993

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

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E.5 (115)

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••

September 17, 1993
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
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., 2055~.


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E.5 (115)

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

Institution,
credit card plan name
and availability A

Number

ABBOTT BK
HASTERCARD/VISA,

l

July 31, 1993

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricingB lndexc1MarginD1MultipleE Cdays)F
fee
features 6
16.30, V

9

3.00

12.50, V

l

12.00, V

l

25

0.00

2,3,4,5,6,

(800)288-6844

6.00

25

0.00

3,4,6,

(800)473-5252

6.00

25

0.00

4,

(800)365-6464

0.00

N

2

AFBA IND BK
VISA, N

3

AHALGAHATED BK CHICAGO
STANDARD HASTER CARD,

N

•

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

A.

CODE FOR AVAILABILITY OF CARD TO CONSUHERS:
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 CRATE CHANGES WITH THE LEVEL OF OUTSTANDING BALANCE.
THE
l =
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-HONTH TREASURY BILL RATE, 3 = THREE-HONTH TREASURY BILL RATE, 4 = SIX-HONTH TREASURY BILL RATE,
ONE-VEAR TREASURY BILL, 6 = FEDERAL FUNDS RATE,
7 = COST OF FUNDS, 8 = FEDERAL RESERVE DISCOUNT RATE, 9 = OTHER.
NUHBER OF PERCENTAGE POINTS THE INSTITUTION ADDS TO THE INDEX RATE TO CALCULATE THE RATE CHARGED.
NUHBER BY WHICH THE INSTITUTION HULTIPLIES THE INDEX OR THE INDEX PLUS HARGIN TO CALCULATE THE RATE CHARGED.

F.

A GRACE PERIOD INDICATES THAT NO INTEREST WILL BE CHARGED FOR CREDIT EXTENDED ON PURCHASES IF PAVHENT IN FULL IS RECEIVED WITHIN THE STATED NUMBER OF
DAYS AFTER THE END OF THE BILLING PERIOD IN WHICH THE PURCHASE WAS HADE. GENERALLY A GRACE PERIOD ALLOWS CUSTOHERS TO AVOID INTEREST CHARGES ON
PURCHASES IF THEY ALWAYS PAV 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 HONTH IS REPORTED AS 30 DAYS.

G.

THE FOLLOWING CREDIT CARD PLAN ENHANCEHENTS ARE AUTOHATICALLY INCLUDED IN THE CREDIT CARD PLAN WtTHOUT ADDITIONAL CHARGE.
l = REBATES ON PURCHASES; 2 = EXTENSION OF HANFACTURERS WARRANTY; 3 = PURCHASE PROTECTION/SECURITY; 4 = TRAVEL ACCIDENT INSURANCE;
5 = TRAVEL RELATED DISCOUNTS; 6 = AUTOHOBILE RENTAL INSURANCE; 7 = DISCOUNTS ON SELECTED GOODS OR SERVICES (OTHER THAN TRAVEL RELATEDJ;
8 = CREDIT CARD REGISTRATION; 9 = OTHER (NOT SPECIFIED).
N.R. = NOT REPORTED;


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Federal Reserve Bank of St. Louis

... - NOT

APPLICABLE.

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

Institution,
credit card plan name
and availability A

Number

14.25, V

IE 4

AMERICAN EXPRSS CNTRN BK
OPTIHA CARD, R

IE 5

AHERICAN GENERAL FNCL CTR
THE HORE CARD (VISA),

1

8.25

2,3,4,6,9

(800)635-5955

N.R.

(800)828-6673

18.00

4,

<&00)788-7000

25

1S.00

4,

(20S)326-5700

30

o.oo

N.R.

(800)533-5600

25

15.00

N.R.

(800)333-5221

25

15.00

19.80, F

25

o.oo

AHERICAN SVG BK FA
VISA CLASSIC, CA

18.90, F

25

AHSOUTH BK BIRHINGHAH NA
MASTER CARD, R

19.50, F

8

ASSOCIATES NB DE
HASTERCARD, N

16.40, V

9

BANK IV KS NA
VISA, N

17.76, F

6
IE 7

IE 10

IE 11

12
IE 13

BANK OF AHER NA
VISA CLASSIC,

R

BANK OF AHER NT&SA
VISA CLASSIC, R
BANK OF BALTIHORE
VISA/HASTERCARD AFFINITY,
BANK OF CA NA
STANDARD HASTERCARD,
BANK OF DE
VISA, N

15

BANK OF HI
VISA CLASSIC CARD,

1

9.00

25

0.00

N.R.

(800)243-7762

16.90, V

1

9.00

25

o.oo

N.R.

(800)243-7762

1S.90, F

25

18.00

4,

(800)252-9002

16.80, F

30

15.00

4,

(800)S44-2920

17.90, T

25

18.00

4,5,8,9

(800)762-2273

16.50, F

25

15.00

2,3,4,6,

(808)543-9611

21.00, F

2S

39.00

N.R.

(60S1339-0128

HI

17

BANK OF HONTANA
BANK OF MONTANA BANCARD - MASTERCARD,
BANK OF NY-DE
VISA/MASTERCARD,

11.75, V

1

5.75

25

19.00

N.R.

l800)73S-SS36

11.90, V

1

5.90

30

o.oo

N.R.

(800)942-1977

2S

20.00

N.R.

(216)972-1322

0

25.00

2,3,4,9

(800)962-2427

N

N
19.80, F

BANK ONE AKRON NA
VISA, OH
BANK ONE AZ NA
STANDARD MASTERCARD,


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Federal Reserve Bank of St. Louis

16.90, V

R

BANK OF HOVEN
VISA, N

IE 20

10.4

N

16

19

1

R

14

18

Telephone
number
to obtain
application

19.30, V

R

1

13.3

Institution,
credit card plan name
and availability A

Number

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

Telephone
number
to obtain
application

21

BANK ONE CINCINNATI NA
VISA, OH

19.80, V

1

1S.9

2S

o.oo

N.R.

(S131S76-2386

22

BANK ONE CLEVELAND NA
MASTERCARD, OH

13.90, V

1

7.90

2S

20.00

N.R.

(21613S2-S678

23

BANK ONE COLUMBUS NA
VISA CLASSIC, N

1S.90, V

1

9.90

25

20.00

N.R.

(614)248-3412

24

BANK ONE DAYTON NA
VISA-CLASSIC, N

18.00, F

0

20.00

N.R.

(S13)449-2240

2S

BANK ONE YOUNGSTOWN NA
FLEX-VISA, N

17.70, F

2S

20.00

N.R.

(216)742-SOOS

26

BARNETT BK OF BROWARD CO NA
VISA CLASSIC, FL

18.00, V

1

9.90

2S

21.00

N.R.

(800)323-6178

27

BAYBANK
MASTERCARD CLASSIC,

14.40, V

1

8.40

2S

21.00

2,3,8,

(800)221-3393

1

9.30

2S

20.00

4,

(800)466-6420

2S

1S.00

4,

(800)476-4228

0

o.oo

N.R.

SEE APPENDIX

2S

12.00

4,9

SEE APPENDIX

30

20.00

4,8,

(800)239-S17S

N

II

28

BOATHENS BK OF DE
MASTERCARD, R

1S.30, V

II

29

BRANCH BKG&TC
HASTERCARD,

18.00, F

R

30

BROADWAY NB
VISA, TX

13.92, V

II

31

CENTRAL BK
VISA, R

18.00, F

II

32

CENTRAL BK OF THE SOUTH
NAME OF PLAN: MASTERCARD,

13.00, V

2.00

4

1

7.00

R

33

CENTRAL CAROLINA B&TC
HASTERCARD, N

17 .88, F

2S

18.00

4,6,

(8001672-2S39

34

CENTRAL FIDELITY BK
HASTERCARD, VA

1S.60, F

2S

1S.00

N.R.

(8001388-S634

3S

CHASE HNHTTN BK USA
VISA/HASTERCARD,

19.80, F

30

20.00

2,3,4,7,9

(800)441-7681

17.80, F

2S

20.00

3,4,9

(800)648-335S

16.90, F

30

40.00

1,4,

(800)937-S0OO

36
37

CHEHICAL BK
HASTERCARD,

N

N

CHEVY CHASE SVG BK FSB
VISA GOLD, N


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Federal Reserve Bank of St. Louis

Institution,
credit card plan name
and availability A

Number
38

1t

39
40

1t

41

42

1t

1t

43
44

CITIBANK SOUTH DAKOTA NA
CLASSIC VISA AND MASTERCARD,
CITIZENS TC
CITIZENS VISA CLASSIC
COLORADO NB
VISA GOLD,

15.40, V

9.40

COLUMBUS BK CO
VISA CLASSIC,

Telephone
number
to obtain
application

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

(800)950-5114

N.R.

(800)922-9999

12.00

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

(303)893-3425

25

12.00

N.R.

(800)282-1205

25

15.00

4,

(800)841-0012

25

20.00

14.50, F

0

0.00

18.60, F

25

18.00, F
16.75, F

1

N

R

N
R

COMERICA BK-DETROIT
COMERICA CLASSIC CARD,

N

COMMERCE BK OF KANSAS CITY NA
SPECIAL CONNECTIONS VISA/MASTERCARD,

R

COMMERCE BK OF OMAHA NA
SPECIAL CONNECT~ONS VISA/MASTERCARD,

R

1t

45

CORESTATES BK OF DE
VISA, R

1t

46

CRESTAR BK
VISA CLASSIC,

47

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

NA

16.50, V

1

7.40

25

0.00

4,9

(800)645-2103

16.50, V

1

7.40

25

0.00

4 9

(800)645-2103

17.80, V

l

8.80

25

20.00

N.R.

(800)833-3010

15.90, F

25

20.00

4,9

(800)368-7700

19.80, F

25

20.00

N.R.

(605)336-3933

R

DIAL BK
MASTERCARD/VISA,

N

1t

48

EQUITY BK FOR SVG FA
VISA, R

17.90, F

30

15.00

N.R.

(800)456-2273

1t

49

EUROPEAN AMERICAN BK
MASTERCARD, R

16.75, F

25

20.00

4,

(516)296-6028

50

FCC NB
VISA,

19.80, V

25

20.00

4,9

(800)368-4535

25

20.00

9

(800)753-2900

2,3,4,5,6,
8,

(800)323-5353

51

1t

1t

1

9.90

N

FIDELITY NB
VISA CONSUMERSCARD,

15.90, F

N

52

FIDELITY US DEPOSITORY TC
MASTERCARD GOLD, N

15.90, V

l

9.90

25

o.oo

53

FIFTH THIRD BK
SELECT VISA,

11.90, V

l

5.90

30

18.00

N.R.

(513)744-8573

25

15.00

N.R.

(800)828-0893

54

R

FIRST ALABAMA BK
MASTERCARD CLASSIC,


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Federal Reserve Bank of St. Louis

19.50, F

R

Institution,
credit card plan name
and availability A

Number
55

,;!,_

FIRST AHERICAN BK OF VA
1ST PERCENT VISA CLASSIC,

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

Telephone
number
to obtain
application

14.00, V

1

7.50

25

20.00

1,2,3,4,8,

(800)572-4004

14.90, V

1

8.90

25

20.00

4,5,

(800)285-8585

18.90, V

1

7.50

30

20.00

2,3,4,

(800)234-3262

N

56

FIRST BK SOUTH DAKOTA NA
VISA, N

57

FIRST CONSUHERS NB
FIRST CONSUHERS NATIONAL BANK,

N

1t

58

FIRST DEPOSIT NAT CREDIT CARD
VISA GOLD I R

19.80, F

0

0.00

1,2,3,4,6,
9

(800)227-6886

1t

59

FIRST DEPOSIT NB
VISA GOLD, R

19.80, F

0

0.00

1,2,3,4,6,
9

(800)227-6886

1t

60

FIRST FIDELITY BK NA NJ
VISA, R

18.80, T

25

15.00

4,5,

(800)388-0644

1t

61

FIRST FNCL BK FSB
FIRST FINANCIAL BANK-VISA,

17.80, F

25

15.00

1,2,3,4,5,
6,7,8,9

(800)345-7708

16.50, F

25

15.00

4,6,7,

(808)844-3188

17.90, F

25

20.00

4,

(800)955-5050

17.90, F

25

20.00

N.R.

(800)955-5050

17.90, F

25

15. 00

4,

(800)955-5050

25

25.00

4,5,

(800)955-5050

25

18.00

4,

(805)955-5050

62
63

1t

1t

FIRST HI BK
HASTERCARD,

N

HI

FIRST INTRST BK AZ NA
VISA STANDARD CARD,

N

64

FIRST INTRST BK CA
HASTERCARD, CA

65

FIRST INTRST BK NV NA
NASTERCARD STANDARD CARD,

N

66

FIRST INTRST BK OF OR NA
VISA CI.ASSIC CARD, OR

19.50, V

67

FIRST INTRST BK OF WA NA
VISA, WA

17.90, F

68

FIRST NB IN ALBUQUERQUE
HASTERCARD, R

15.50, V

1

9.50

25

0.00

4,

(800)727-7927

69

FIRST NB OF ATLNT
VISA, N

8.90, V

1

2.90

25

39.00

4,

(800)842-3262

70

FIRST NB OF COMMERCE
VISA, R

19.80, V

1

8.40

25

12.00

N.R.

(800)826-3390

71

FIRST NB Of OHAHA
VISA, N

19.75, V

q

13.0

0

0.00

4,5,9

(800 H,88-7070


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Federal Reserve Bank of St. Louis

1

9.90

Institution,
credit card plan name
and availability A

Number
• 72
73
74

FIRST NH BK
NASTERCARD,

Annual
percentage
For variable rate
plans
rate and
Grace
type of
period Annual
Other
pricingB IndexclMargin°IMultipleE (days)F
featuresG
fee
14.90, V

Telephone
number
to obtain
application

25

20.00

4,

(603)634-6812

18.00, F

25

20.00

N.R.

(616)376-4018

19.44, F

25

18.00

N.R.

(800)441-8026

1

8-.40

R

FIRST OF AHER BK-HI NA
CLASSIC VISA/MASTERCARD,
FIRST OMNI BK NA
VISA/MASTERCARD,

HI

N

FIRST SECURITY BK OF UT NA
VISA, UT

14.90, V

1

8.90

25

20.00

4,5,6,

(800)445-1278

FIRST TENNESSEE BK NA HHPHS
VISA CLASSIC, N

15.40, V

1

9.40

25

18.00

N.R.

(800)234-2848

FIRST UNION NB OF GEORGIA
STANDARD VISA, H

18.00, F

25

20.00

4,

(800)359-3862

• 78

FIRST UNION NB OF VA
DOHINION VISA, R

17.39, F

25

18.00

4,

(800)955-4670

• 79

FIRST USA BANK
VISA, R

12.90, V

25

o.oo

N.R.

(800)955-9900

• 80

FIRST VA BK
VISA, R

16.98, F

25

15.00

4,8,

(800)634-8803

81

FIRST-CITIZENS B&TC
MASTERCARD, NC

18.00, F

25

15.00

4,

(919)779-8540

82

FIRST-CITIZENS B&TC OF SC
MASTERCARD/VISA, SC

14.88, F

25

20.00

4,

(803)733-2051

18.00, F

25

15.00

4,

(414)765-4357

18.00, F

25

18.00

4,

(800)432-3209

75

• 76
77

• 83

FIRSTAR BK HILWAUKEE NA
ELAN HASTERCARD & VISA,

• 84

FIRSTIER BK NA LINCOLN
VISA, R

• 85

FLEET BK OF HA NA
HASTERCARD & VISA,

86

• 87
• 88

14.40, V

1

8.40

25

25.00

4,

(800)537-3777

14.40, V

l

8.40

25

20.00

4,

(800)537-3777

14.40, V

1

8.40

25

25.00

4,

(800)S37-3777

17.80, V

l

11.8

25

20.00

2,3,9

(800)382-3334

R

FLEET NB
CLASSIC VISA & HASTERCARD


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Federal Reserve Bank of St. Louis

6.90

R

FLEET BK OF NY
VISA, N

GREAT WESTERN BK FSB
VISA CLASSIC, R

1

,

H

Institution,
credit card plan name
and availability A

Number
89
90

1t

1t

1

8.90

25

0.00

1,9

(800)347-2683

HARRIS T&SB
NASTERCARD/VISA CLASSIC,

19.80, V

1

9.90

30

0.00

N.R.

(708)520-6550

N
13.10, V

7

9.00

25

18.00

4,5,8,9

(800)826-5098

92

HOUSEHOLD BK CA NA
REGULAR VISA, N

15.40, V

1

9.40

25

25. 00

4,9

(800)477-6000

93

HUNTINGTON NB
NASTERCARD,

18.90, F

25

18.00

N.R.

(614)480-2719

95

R

IDAHO FIRST BK
CLASSIC VISA,

INTRUST BK NA
REGULAR NASTERCARD/VISA,
JC PENNEY NB
VISA, N

98

KEY BK OF NY
t1ASTER CARD,

14.34, V

5

11.0

25

20.00

3,4,5,6,8,

(208)387-3640

14.90, V

3

8.00

25

15.00

2,3,4,6,

(412)644-6123

16.80, F

25

12.00

4,8,

(316)383-1354

19.50, F

25

15.00

N.R.

(800)247-4714

17.40, F

25

25.00

2,3,4,9

25

18.00

4,9

(800)444-4539

N

INTEGRA BK PITTSBURGH
INTEGRA CARD SERVICES,

97

99

*

14.90, V

N

HONE SVG OF ANER FSB
VISA, R

96

1t

Telephone
number
to obtain
application

91

94

1t

GREENWOOD TC
DISCOVER CARD,

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

R

N

SEE APPENDIX

NY

KEY BK OF WA
VISA CLASSIC VARIABLE RATE,

14.90, V

1

8.90

WA

100

LEADER FED BK FOR SVG
VISA CLASSIC, TN

15.90, F

25

20.00

4,

(901)578-2090

101

LIBERTY NB&TC
NASTERCARD,

18.00, F

30

20.00

4,

(502).589-3111

25

25.00

4,6,

(800)724-3222

N

NANUFACTURERS
VISA, NY

103

NARINE HIDLAND BANK NA
NASTERCARD, N

19.80, F

25

20.00

4,5,9

(800)962-7463

104

NBNA AHERICA BK NA
MASTERCARD, N

17.90, F

25

40.00

N.R.

(800)847-7378

105

NELLON BK DELAWARE NA
HASTERCARD, R

13.90, V

25

35.00

4,5,8,

(800)753-7011


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

&

TRADERS TC

13.25, V

102

l

l

7.25

6.90

Institution,
credit card plan name
and availability A

Number

*

106

MERCANTILE BK OF ILLINOIS
MASTERCARD GOLD, R

*

107

NONOGRAN BK USA

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricingB IndexclMargin°1MultipleE (days)f
featuresG
fee

Telephone
number
to obtain
application

16.92,

F

25

35.00

2,3,4,6,

(800)755-4070

19.80,

F

25

10.00

N.R.

(513)677-6736

NATIONAL BK OF COl1HERCE
MASTERCARD, R

19.80,

V

25

15.00

N.R.

(901)529-6259
EXT: 6259

109

NATIONAL BK OF SC
MASTERCARD , SC

16.92,

F

0

0.00

4,

(803)775-1236

110

NATIONAL CITY BK
NASTERCARD CLASSIC,

17.90,

T

25

18.00

9

(216)476-8006

18.90,

F

25

16.00

4,5,

(800)727-8686

* 108

111

VISA CLASSIC-ANES

NATIONAL CITY BK
NASTERCARD,

,

NA

N

1

6.50

OH

N

112

NATIONAL CITY BK COLUNBUS
NASTERCARD CLASSIC, N

19.80,

F

25

18.00

N.R.

(614)863-8729

113

NATIONAL CITY BK INDIANA
HASTERCARD, IN

17.80,

F

25

15.00

4,9

(317)267-6161

*

114

NATIONAL WESTNINSTER BANK NJ
NASTERCARD, R

15.90, V

1

9.90

25

15.00

4,6,

(516)420-1122

*

115

NATIONAL WESTHINSTER BANK USA
VISA, R

15.90,

V

1

9.90

25

20.00

4,6,

(516)420-1122

116

NATIONSBANK OF DE NA
VISA, N

17.90,

F

25

18.00

4,

(800)947-2274

117

NBD BK NA
NASTERCARD,

16.80,

F

25

15.00

4,9

(800)766-4623

118

NORWEST BK IA NA
NORWEST HASTERCARD,

15.00,

V

1

9.00

25

20.00

1,5,

(800)247-8108

N

NORWEST BK NE
NORWEST NASTERCARD,

15.00,

V

1

9.00

25

20.00

1,4,

(800)247-8101

N

12.90,

V

1

4.40

25

0.00

2,3,4,6,7,
9

(800)666-1011

14.75,

F

25

2.5.00

4,

(216)622-4111

18.00,

F

25

20.00

4,8,

(800)245-5353

*

119
120

* 121
122

R

OAK BROOK BK
VARIABLE GOLD MASTERCARD,
OHIO SA
VISA CARD,
OLD KENT B&TC
MASTERCARD


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

N

R
&

VISA,

N

Institution,
credit card plan name
and availability A

Number
123
• 124
125
126
If

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

PEOPLES BANK
VISA, N

11.SO, F

PNC BK OHIO NA
VISA, R

18.90, V

PNC

NB
VISA,

1

6.99

17.99, T

Telephone
number
to obtain
application

25

25.00

2,3,4,6,9

(800)426-1114

25

18.00

4,8,9

(513)6!il-8068

25

18.00

4,S,8,9

(800)762-2273

25

o.oo

2,3,4,6,8,
9

(800)772-7775

2,3,8,9

(800)322-2369

N.R.

(800)473-5252

N

PRINERICA BK
NASTERCARD,

14.75, V

1

8.75

N

127

PRUDENTIAL B&TC
VISA GOLD, R

16.90, F

30

35.00

128

REPUBLIC NB
VISA, SC

18.60, F

25

0.00

129

SACRAMENTO SVG BK
VISA CLASSIC,

15.00, V

1

5.00

25

20.00

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

12.96, V

3

10.0

30

18.00

4,S,7,

(800)356-8085

132

SIGNET BK VA
VISA, N

19.80, F

2.5

18.00

4,.5,6,8,9

(800)9.5.5-7070

133

SINNONS FIRST NB
VISA, AR

8.00, F

25

25.00

4,8,

(SOU.541-1240

130
• 131

CA

SEATTLE-FIRST NB
REGULAR ltASTERCARD,

NA

• 134

SOCIETY NB
VISA, R

12.63, V

4

9 •.50

2.5

20.00

2,3,4,S,6,

(216)689-.5664

• 13.5

SOUTHERN NB OF NC
NASTERCARD, R

11.90, V

l

S.90

25

24.00

4,

(800)289-6404

16.40, V

1

10.4

25

15.00

N.R.

(800)292-6.538

STAR BK NA
VISA, R

14 • .50, V

1

a.so

25

20.00

2,3,9

(.513)762-8836

STATE SVG BK
VISA, OH

14.88, F

30

o.oo

N.R.

(800)421-9.543

25

26.00

2,3,4,

(800)432-4832

If

136

• 137
138
• 139

SOUTHTRUST BK OF AL NA
VISA CLASSIC CARD,

SUNTRUST BANCARD NA
CLASSIC NASTERCARD,


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

R

18.00, V

R

l

8.90

Institution,
credit card plan name
and availability A

Number

II

Annual
percentage
For variable rate
rate and
plans
Grace
type of
period Annual
Other
pricingB lndexclMarginDIMultipleE (days)f
featuresG
fee

140

SUNWEST BK OF ALBUQUERQUE NA
HASTERCARD, N

13.30, V

1

7.30

141

TOWN NORTH NB
HASTERCARD-VISA •

14.00, V

4

0.25

2.00

Telephone
number
to obtain
application

30

20.00

N.R.

(800)552-5356

0

0.00

4,5,

SEE APPENDIX

8,9

(518)381-3603

4,5,6,

(800)872-2659

N

142

TRUSTCO BANK NEW YORK
HASTERCARD • NY

17.90, F

21

12.00

143

US BK NA
AAA VISA•

16,90, F

25

9.50

19.80, F

2.6

1.6.00

1,4,

(800).642-6034

25

15.00

N.R.

(800)628-8946

144

R

UNION BK
HASTERCARD •

CA

145

UNION PLANTERS NB
HASTERCARD I N

18.00, F

146

UNITED HISSOURI BK USA
HASTERCARD • N

15.40, V

1

9.40

25

18.00

N.R.

(800)821-5184

147

UNITED STATES NB
CLASSIC VISA,

15.40, V

1

9.40

25

15.00

4,

(800)445-9934

15.90, V

1

9,90

25

20.00

2,3,4,6,7,

(800)423-4343

12.50, V

4

7.00

25

0.00

N.R.

SEE APPENDIX

9

13.0

0

0.00

4,5,

(800)285-8585

25

18.00

9

(800)642-4720

148
149

OR

UNIVERSAL BK
UNIVERSAL CARD,
USAA FSB
HASTERCARD,

N

N

II

150

VALLEY ST BK
VISA, R

19.80, V

II

151

WELLS FARGO BK NA
HASTERCARD, R

19.80, F

152

WEST ONE BK ID
CLASSIC VISA•

153

WILHINGTON TC
MASTERCARD,


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

14.34, V

5

11.0

25

20.00

3,4,5,6,8,

(208)387-3640

14.75, V

3

11.5

25

18.00

4,5,8,9

(302)652-2378

N
N

AP P E ND I X
TERMS OF CREDIT CARD PLANS
July 31, 1993
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, HULT= MULTIPLE, GP= GRACE PERIOD, AF= ANNUAL FEE

4

AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,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

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,OR,PA,RI,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

28

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

29

NC,SC

30

ADDRESS:

31

AR,LA,TX
ADDRESS:

32

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

39

CT,MA,RI

41

AL,FL,GA,IL,TN

43

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

44

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

45

DC,MD,NJ,PA,VA

46

DC,MD,VA

48

OK,TX

49

CT,NJ,NV


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

VISA CENTER
BROADWAY NATIONAL BANK
P. 0. BOX 17001
SAN ANTONIO, TX 78217
CENTRAL BANK
P. 0. BOX 4928
MONROE, LA. 71211

AP P E ND I X

TERMS OF CREDIT CARD PLANS
CODES FOR APPENDIX:

July 31, 1993

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

53

FL,IN,KV,OH

54

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

58

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,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WV .

59

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,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WV

60

NJ,NV,PA

61

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

APR/P
APR/P
APR/P
GP =
APR/P
GP =
GP =
GP =
APR/P
APR/P
APR/P
APR/P
APR/P
APR/P

= 17 .00/F,

GP
GP
= 15.00/F, GP
o, AF = 12.00
= 10.00/F, GP
0, AF = 12.00
o, AF = 12.00
0, AF = 12.00
= 16.00/F, GP
= 16.00/F, GP
= 16.00/F, GP
= 12.00/F, GP
= 12.00/F, GP
= 12.00/F, GP
= 10.00/F,

68

CO,NM,TX

70

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,

=

=

0,
0,
0,

AF = 12.00
AF = 12.00
AF = 0.00

=

0,

AF

=

0.00

=
=
=
=

0,
0,
0,
0,
0,
0,

AF =
AF =
AF =
AF =
AF =
AF =

0.00
0.00
0.00
0.00
0.00
0.00

=

=
=

AF = 14.00
AF = 14.00
AF
AF

= 14.00
= 15.00

72

ME,NH

76

AR,

78

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

79

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

80

DC,MD,VA

83

IL,IA,MI,MN,WI

84

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

85

CT,MA,NH,RI,VT

APR/P


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

= 12.40/V

AP P E NDI X
TERMS OF CREDIT CARD PLANS
July 31, 1993
CODES FOR APPENDIX:
ME,

AF = 12.00

87

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

AF
AF
AF
AF
AF
AF
AF
AF

88

CA,FL

91

AZ,FL,OH,OR,WA
CA, APR/P = 18.00/F,
IL, APR/P = 16.50/F,
MO, AF = 0.00
NY, APR/P = 16.90/F,
TX, APR/P = 14.00/F,

=
=
=
=
=
=
=
=

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

20.00
20.00
12.00
12.00
12.00
15.00
20.00
15.00

o,
o,

MAR = 0.00,
MAR = 0.00

AF= 20.00

IND = 0,
TND = o,

MAR = 0.00
MAR = 0.00,

AF=

IND =
IND =

93

FL,
KY,
WV,

95

OH,PA,WV

98

ADDRESS:

103

NY,

105

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

106

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

107

co,

108

AR,GA,KY,MS

114

NJ,NV,PA

115

CT ,NJ,NY

117

FL,IL,IN,MI,OH

121

AL,AZ,AR,CO

124

KV,
WV,

ME,
NC,
WI,

APR/P = 16.90/F
GP= 30, AF= 20.00
APR/P = 16.90/F
KEV BANK OF NEW YORK
P.O. BOX 1897
ALBANY, NY 12207

AF= 15.00

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

= 18.00/F
= 18.00/F
= 18.00/F
= 18.00/F

APR/P = 17.99/V
APR/P = 17.99/V


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

0.00

.,._,

AP P E NDI X
July 31, 1993
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

127

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,NY,NC,ND,OH,OK,OR,Rl,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WV

131

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

134

CA,

co,

IA,
KS,
ME,
MD,
MA,
MN,
MO,
NJ,
NV,
WV,
WI,
WV,

MAR ::: 11. 5
MAR = 11.5
MAR = 11. 5
MAR ::: 11. 5
MAR ::: 11.5,
MAR = 11. 5
MAR ::: 11.5
MAR = 11. 5
MAR ::: 11.5
MAR = 11. 5
MAR = 11.5
MAR == 11. 5
MAR = 11. 5
MAR ::: 11. 5

AF

:::

12.00

135

NC,SC

136

AL,FL,GA,NC,SC,TN

137

IN,KV

139

GA
FL,
TN,

141

ADDRESS:

143

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

149

ADDRESS:

150

NE,SD

151

AZ,CA,WA

AF = 21.00
AF = 20.00
TOWN NORTH NATIONAL BANK

4455 LBJ FREEWAY
P. 0. BOX 814810
DALLAS, TEXAS 75381-4810

USAA CREDIT CARD CENTER INC.
P. 0. BOX 21658
TULSA, OK 74121


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Federal Reserve Bank of St. Louis

4

Board of Governors of the
Federal Reserve System
Washington, D. C. 20551

POSTAGE A.'110 FEES PAID
Board of Governors
of the Federal Reserve System

622

,~

-

U .S MAIL

OFFICIAL BUSINESS
Penalty for Private Use. S300


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Federal Reserve Bank of St. Louis

First Class

...