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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.

September 18, 1995 - Image 86

Resource type:
Text
Publication:
The Michigan Daily, 1995-09-18

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

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*Important INFOrmation:

H 9S11

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 August 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 Rate);
less than $500 - 19.8% (Standard Rate) (18% for Standard Rate - 19.8% when the Prime Rate is lower than 10.9% and Prime Rate
residents of ME, NC and WI). * 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% masimum. Failure to
make required payments converts you from Better or Best Rate to Standard Rate.
Annual percentage rate for cash advances; As of August 1, 1995. 19.8%; this rate may vary, i.e., 19.8% when
the Prime Rate is lower Whan 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 mome- 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.
I understand this account is only for personal, family and household purposes. It is not for business or commer-
cial purposes. The applicant, if married, may apply for a separate account. Finance charges will not exceed those
permitted by law.
ALL ACCOUNT TERMS AND CHARGES DISCLOSED HEREIN ARE ACCURATE AS OF AUGUST, 1995, BUT ARE
SUBJECT TO CHANGE. TO FIND OUT WHAT MAY HAVE CHANGED AFTER THE PRINTING DATE, WRITE TO US AT;
P.O. BOX 15410, WILMINGTON, DE 19886-0820.
A consumer credit report may he ordered in connection with this application, or subsequently in connection with
the update, renewal or extension of credit. Upon your request, you will be informed whether or not a consumer
credit report was ordered, and if it was, you will be given the name and address of the consumer reporting
agency that furnished the report. The Discover' Card is issued by Greenwood Trust Company, Member FDIC.

I understand that if I have previously applied for and either have received or am waiting to receive my Discover
Card, I should not reapply at this time,
NEW YORK RESIDENTS: New York Fesidents may contact the New York State Banking
Department to obtain comparative (isting information of credit cards, fees and grace
periods. Call 1-800-518-8866.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally
available 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.
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 fumished with a
copy of the agreement, court order or statement or has actual knowledge of the adverse provision, Married
Wisconsin residents must provide the name and address of their spouse to Discover Card, P.O. Box 15025,
Wilmington, Delaware 198855025.

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