Regular Rates (in effect at the issuance of the card unless a promotional rate applies).
Promotional Rate For Balance Transfers and Cash Advances A promotional rate of 3.9% is available for the first 6 billing cycles (subject to a separate credit approval). The card could be issued without the promotional rate. At the end of the promotional period, the interest rates indicated in the table above will apply to balance transfers and cash advances on your next statement.
Increased Rates The annual interest rates will increase when the minimum payment is not made by the due date indicated on the monthly statement: (i) for 2 consecutive months; or (ii) 3 times during any 12-month period. Any missed payment during a 12-month period is counted, even if the missed payment has already been counted to increase the rates in the past or has occurred during such a period.
The annual interest rates will be increased to 24.99% for purchases and to 27.99% for balance transfers and cash advances. These increased rates will take effect on the 3rd statement period following the default that caused the rate to increase. These increased rates will apply to your account balance until you make the minimum payment no later than on the due date indicated on your monthly statement for a period of 6 consecutive months. Subsequently, the regular rates will apply, regardless of whether a promotional or reduced rate was in effect prior to the rate increase.
Posted to your account on the day of the transaction: