Access Account
Summary of account information available online.
Annual Fee
A yearly membership fee charged for the use of some credit card products.
Annual Percentage Rate (APR)
The cost of credit expressed as an annual percentage. To determine the monthly periodic rate, divide the APR by 12 months. To determine a daily periodic rate, divide the APR by 365 days.
Automated Teller Machine (ATM)
Allows you to perform banking transactions anywhere and at any time. By using a debit or ATM card at an ATM, you can withdraw cash from a checking or savings account, make a deposit or transfer money from one account to another. You can also get cash advances using your credit card. A transaction fee may apply to withdrawals from both the issuing bank and ATM owner.
Available Cash
The amount of your Cash Advance Limit that can be used for cash advances.
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Cash Advance Limit
A portion (or all) of your Total Credit Line available for cash advances.
Cash Advance
You may use your card to get cash from ATMs or from a financial institution that accepts the card. You can also use your card to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to your account.
Merchant Category
The type of merchant that billed the account.
Balance Transfer Checks
You may use a check to pay for goods or services or to transfer balances to your account, but you cannot transfer balances to your credit card account from other accounts with us or any of our related companies. Balance Transfer Checks are treated as Balance Transfers.
Cash Advance Checks
Provides access to your Cash Advance Line by writing a check. You may use a check to pay for goods or services or to get cash. Cash Advance Checks are treated as Cash Advances.
Credit Card
A type of card used to pay for goods and services that generally has a revolving line of credit with periodic billing statements and monthly payment requirements. Credit cards provide flexibility, allowing you to pay your whole bill at once or over time in increments. If you do not choose to pay your balance in full each month, you will be required to make at least the minimum payment and to pay finance charges on the remaining balance.
Credit Line
The maximum amount of credit available for the purchase of goods and services.
Current Balance / Outstanding Balance
The total outstanding balance on your account at a given point in time. This amount does not include charges that have not yet posted or applicable fees and interest that may be assessed on the next billing statement.
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Daily Periodic Rate
The APR expressed as a daily rate. Divide the Annual Percentage Rate by 365 and round the figure to the fifth decimal place to calculate the Daily Periodic Rate.
Date of Transaction
The date the credit card transaction was made. For check transactions, this is generally the date the check was deposited by the payee.
Debit Cards/ATM Cards
Debit and ATM cards are types of payment cards that provide a convenient and secure alternative to access funds from your checking or savings account other than through the use of cash and checks.
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Interest Charges/Finance Charges
Interest is calculated on the balance subject to the interest rate for each balance type using the applicable daily or monthly periodic rate in effect at the end of each billing cycle. Transaction fees are added to the interest calculation and reflected in the total interest charges on your monthly statement.
Interest Free Period
The period of time in which interest is not assessed on new purchases. If applicable to the terms of your account, you may have at least 21 days to pay the new purchase balance in full without paying interest on that balance. Some balance types have no interest-free period, which means interest is charged from the date of transaction to the date they are posted.
Institutions that provide a credit line to a consumer through a payment card are called issuers. Issuers can include banks, credit unions or savings and loan associations, and retailers such as department stores or gasoline companies.
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Joint Cardmember
A joint cardmember agrees to the terms of the account in the same manner as the primary cardmember.
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Last Payment Received
The amount and date of the last payment received on your account.
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Minimum Payment Due
The amount of your next minimum payment that is due to keep your account in good standing. This amount may include past due amounts and overlimit amounts.
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New Balance
The total ending balance owed as of the statement closing date.
Next Closing Date
The date your next statement will be produced.
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Outstanding Balance
(See Current Balance)
Over the Limit
When the current balance exceeds the established credit line at any time during the billing period, for which an overlimit fee may be assessed.
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Payment Due Date
The date on which at least the Minimum Payment must be received in order to keep your account in good standing. This date is at least 21 days after the statement closing date.
Prior Statement Closing Date
The date your last statement was produced.
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Statement Closing Date
The last date of the billing period as reflected on the monthly billing statement.
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Total Available Credit
The amount of your Total Credit Line that can be used for purchases.
Total Credit Line
The maximum amount of credit available on the account.
The description of the merchant name or transaction information.
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Update Your Address
Update your current billing address online for this account only.
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