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This collection, digitized in collaboration with the Michigan Daily and the Board for Student Publications, contains materials that are protected by copyright law. Access to these materials is provided for non-profit educational and research purposes. If you use an item from this collection, it is your responsibility to consider the work's copyright status and obtain any required permission.

November 14, 1995 - Image 18

Resource type:
Text
Publication:
The Michigan Daily, 1995-11-14

Disclaimer: Computer generated plain text may have errors. Read more about this.

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*Important INFOrmation:

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Grace Period Method Of Minimum
Annual Variable For Payment Computing Annual Periodic
Percentage Rate Rate Of Balances The Balance Fees Finance
For Purchases Information For Purchases For Purchases Charge
As of October 1, 1995, your Annual Percentage Rate is Your Annual Percentage Rate may vary. The rate is determined for each billing 25 days. Two-cycle average daily None $.50
17.65% for first year; for each subsequent year your period by the highest Prime Rate reported in The Wall Street Journal on the last balance (including new
Annual Percentage Rate is determined by total business day of the previous month plus a fixed amount of percentage points as purchases).
purchases in previous year: $1,000 or more - 17.65% follows: Initial year and Best Rate - Prime Rate plus 8.9 percentage points; Better
(Best Rate); $500 to $999.99 - 19.65% (Better Rate); Rate -- Prime Rate plus 10.9 percentage points (but not exceeding Standard
less than $500 - 19.8% (Standard Rate) (18% for Rate); Standard Rate - 19.8% when the Prime Rate is lower than 10.9% and
residents of ME, NC and WI).* Prime Rate plus 8.9 percentage points, when the Prime Rate is 10.9% or more
(18% for residents of ME, NC and WI).*

*Better and Best Rates have a 12.9% minimum, and, for residents of ME, NC and WI, 18% maximum. failure to
make required payments converts you from Better or Best Rate to Standard Rate.
Annual percentage rate for cash advances: As of October 1,1995, 19.8%; this rate may vary, i.e., 19.8% when
the Prime Rate is lower than 10.9%, and Prime Rate plus 8.9 percentage points when the Prime Rate is 10.9% or
more; for residents of ME, NC and WI, 18%. Transaction Fee Finance Charge for each cash advance: $500 or
less - 2.5%; $500.01 to $1000 - 2.0%; $1,000.01 or more - 1.5%, with a minimum of $2.00 and no maximum.
Late payment fee: $15 for payment more than 20 days overdue. Over-the-credit-limit fee: None.
ALL ACCOUNT TERMS AND CHARGES DISCLOSED HEREIN ARE ACCURATE AS OF THE PRINTING DATE, BUT ARE
SUBJECT TO CHANGE. TO FIND OUT WHAT MAY HAVE CHANGED AFTER THE PRINTING DATE OF OCTOBER, 1995,
WRITE TO US AT P.O. BOX 15410, WILMINGTON, DE 19886-0820.
The Discover* Card Is issued by Greenwood Trust Company, Member FDIC.
This account is only for personal, family and household purposes. It is not for business or commercial purposes.
You authorize us to obtain a consumer report from consumer reporting agencies in considering this application,
and for the purpose of an update, renewal, extension of credit, review or collection of your account. Upon your
request, we will inform you of the name and address of each consumer reporting agency from which we obtained
a consumer report relating to you.
After credit approval, each applicant shall have the right to use this account to the extent of any credit limit that we

set, and each applicant may be liable for all amounts of credit extended under this account to any joint appl -
cant. The applicant, if married, may apply for a separate account.
You are permitted to have only one Discover Card Account. Accordingly, if you already have a Discover Card
Account or have recently applied for one and are waiting to receive it, you are not eligible to apply. You
may not close an existing Discover Card Account and apply for a new one to receive the terms contained
in this application.
0H10 RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally avail-
able to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on
each individual upon request. The Ohio civil rights commission administers compliance with this law.
NEW YORK RESIDENTS: New York residents may contact the New York State Banking
Department to obtain a comparative listing of credit card rates, fees and grace periods.
Call 1-800-518-8866.
WISCONSIN RESIDENTS: No agreement, court order or individual statement applying to marital property
will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished
with a copy of the agreement, court order, or statement, or has actual knowledge of the adverse provision.
Married Wisconsin residents must furnish the name and address of their spouse to Discover Card at P.O.
Box 15025, Wilmington, Delaware 19885-5025.

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