Application And Credit Card Account Agreement (Page 3 of 10) in pdf

Application And Credit Card Account Agreement Page 3

GE CAPITAL RETAIL BANK

Keep For Your Records

SECTION I: RATES AND FEES TABLE

CARECREDIT CREDIT CARD ACCOUNT AGREEMENT

Interest Rates and Interest Charges

Annual Percentage Rate (APR)

26.99%

for Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you

Paying Interest

any interest on non-promotional purchases if you pay your entire balance by the due date each

month. We will begin charging interest on promotional purchases on the purchase date.

If you are charged interest, the charge will be no less than $2.

Minimum Interest Charge

For Credit Card Tips from

To learn more about factors to consider when applying for or using a credit card, visit

the Consumer Financial

the website of the Consumer Financial Protection Bureau at

Protection Bureau

Fees

Penalty Fees

• Late Payment

Up to $35

• Returned Payment

Up to $35

How We Will Calculate Your Balance: We use a method called “daily balance”. See your credit card account agreement for more

details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card

account agreement.

Please read the following disclosure if you have received a pre-approval for a credit card

You can choose to stop receiving “prescreened” offers of credit from this and other companies by

calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about

prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you

meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of

credit from this and other companies, call the consumer reporting agencies toll-free, at 1-888-567-8688, write to: TransUnion LLC,

Attn: Marketing Opt-Out, P.O. Box 505, Woodlyn, PA 19094-0505; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; or

Experian Opt-Out, P.O. Box 919, Allen, TX 75013.

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Application And Credit Card Account Agreement Page 3