We will apply payments at our discretion, including in a manner most favorable or convenient for us. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Variable APRs will vary with the market based on the Prime Rate. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies.
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