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Annual Percentage Rate:

• Redicard Preferred: Wall Street Journal + 9.75%

Annual Membership Fee: None
Grace period for Purchases: 25 days
Method of Computing the balance for purchases: Average daily balance including new purchases

Late Payment fee: $25.00
Reset Pin: $2.00
Replace Card: $5.00

#1 The rate for Purchases using Redicard Preferred is determined by adding 9.75% to the Prime Rate as quoted in the Wall Street Journal in effect on the 1st Day of the Month. The Cash Advance rate is calculated by adding 11.75% to the same index.

Because rates and terms are subject to change, you may contact us for the current information by writing to the address shown on the Contact Us link or call (719) 384-5901.

* A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the billing cycle during which such transactions are posted to your account within 25 days from the date of that statement. If you elect not to pay the entire new balance shown on your monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the statement closing date (but not on Credit Purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by subtracting from the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any payments as received and credits posted to your account, but excluding any unpaid finance charges.

A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. If the new balance shown on your monthly statement for the prior billing cycle is paid in full within the 25 days of the closing date of that statement, no finance charges will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles.

** The assigned interest rate will be based upon your credit payment history and a current financial review. A review of your credit and payment history will be performed at least annually. Slow or delinquent payments could result in changes to the rate you are being charged or cancellation of your credit card. At no time will the APR on your card exceed 21.00%. Terms of your revolving loan may be changed whether or not authorized by agreement