AllCom Visa Credit Card Terms & Conditions

INTEREST RATES AND INTEREST CHARGES

Purchase Annual Percentage Rate (APR) 10.90%
Balance Transfer APR 10.90%
Cash Advance APR 10.90%
Penalty APR and When It Applies None.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire statement balance by your billing due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

 

FEES

Annual Fee None.
Additional Card Fee None.
Transaction Fees
Balance Transfers None.
Cash Advances None.
Foreign Transactions Up to 1% of each transaction in U.S. dollars
Penalty Fees
Late Payment The lesser of $10.00 or 10% of the unpaid payment will be assessed, but only if the loan payment is $5.00 or more.
Return Payment Up to $20.00
Over-the-Credit Limit None.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” (See cardholder agreement for complete details.)

Effective Date: The information about the costs of the card described is accurate as of December 1, 2018. This information may have changed after that date. To find out what may have changed, write to us at 36 Park Avenue, Worcester, MA 01609 or call us at 888-754-9980.