The following disclosure represents important details concerning Your Credit Card. The information about costs of the Cards is accurate as of the effective date of May 1, 2020. You can call us at the telephone number shown herein or write us at 423 Lynch Street, St. Louis, MO 63118 to inquire if any changes have occurred since the effective date.
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Annual Percentage Rate (APR) for Purchases and Balance Transfers |
Platinum Points VISA: 8.90% - 18.90% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. VISA Signature: 0.00% introductory APR for 12 months. After that, your APR will be 11.25% - 21.25% based on your creditworthiness at the time your established your account. After that, your APR will vary with the market based on the Prime Rate. Platinum VISA: 11.90% - 21.90% when you open your account, based on your creditworthiness. |
Annual Percentage Rate (APR) for Cash Advances |
Platinum Points VISA: 10.90% - 22.90% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. VISA Signature: 13.25% - 25.00% when you open your account based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Platinum VISA: 13.90% - 25.00% when you open your account, based on your creditworthiness. |
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Transaction Fees |
Foreign Transaction: Cash Advance: |
Penalty Fees |
Late Payment: Up to $25 5/20 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.