Annual Percentage Rate (APR) for Purchases
13.00% The APR will vary with the market based on the Prime Rate
APR for Balance Transfers
13.00% The APR will vary with the market based on the Prime Rate
APR for Cash Advances
13.00% The APR will vary with the market based on the Prime Rate
Penalty APR
17.00% This APR will vary with the market based on the Prime Rate.
When Penalty APR Applies
This APR will vary with the market based on the Prime Rate. This APR may be applied to you if you make a late payment – 60 days late
How long will the penalty APR apply?
If your APRs are increased for this reason, the penalty APR will apply until you make six consecutive minimum payments when due.
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 interest on purchases if you pay your entire balance by the due date (Grace Period) each month. We begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
There is no minimum interest charge.
For Credit Card Tips form the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the web site of the
Consumer Financial Protection Bureau.
Please see other fees on our Disclosure Information page -
https://www.pennsvillenb.com/rates/disclosure-information