Effective 7/11/2017
WebBank Gettington Credit Account Key Credit Terms

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases 25.90%

This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest Your due date is at least 24 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 each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50
For 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

Penalty Fees
• Late Payment:
• Returned Payment:

• Up to $38.00
• Up to $38.00


How We Will Calculate Your Balance: We use a method called average daily balance including new purchases. See below for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below.