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Consumer Action 2008 Credit Card Survey
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Short Description: Visa Signature card, generally given to people with excellent credit and higher in- .... he 2008 Credit Card Survey was conducted from Feb. 26-April 9, ...
Content Inside: Consumer Action 2008 Credit Card Survey Note: You are prohibited from using Consumer Action's name or any reference to its surveys in advertising or for any other commercial purpose. Definitions: Notes: · Survey was conducted between Feb. 26-April 9, 2008 Key: Annual Percentage Rate (APR): The yearly interest by Sheree Jones and Selwyn Cooper, students at the APR: Annual Percentage Rate rate. The APRs listed are for purchases--cash ad- Virginia Institute of Technology, and Linda Sherry of V: Variable interest rate vances often carry a higher APR. Consumer Action. F: Fixed interest rate · Survey does not include introductory or promotional * (Asterisk): See note in Grace Period: The number of days after the close (teaser) rates. Additional Information column. of the last billing cycle in which you can pay off new · For variable rates, the APR may not reflect recent Min.: minimum fee bills without being charged interest--if there is no changes in the index, such as the Prime, Federal Max.: maximum fee prior balance. Unless otherwise noted, cards have a Discount rates or LIBOR. (The Prime Rate varied 25-day grace period. (7.25%>5.25%) during the survey period. Bankrate.com lists all current index rates.) Card Issuer Annual Phone/Web Site Fee APR Additional Information Addison Avenue FCU None 7.99%-16.99% V Grace period: 25 days. No cash advance fee. Late fee: $15. Over limit fee: $20. (877) 233-4766 APR is Prime + 1.99%-10.99%. Rate based on applicant's credit history. www.addisonavenue.com Visa Cash Back Rewards American Airlines FCU None 9.99%-15.99% V Grace period: 20 days. No cash advance fee. Late fee: $25. Over limit fee: $25. (817) 963-6000 APR is Prime + 3.99-9.99%. applications: (817) 931-2345 www.aacreditunion.org Visa Platinum Reward American Express None 12.24%, 14.24% or Grace period: 20 days. Cash advance fee: 3%/$5 min./no max. Late fee: (800) 600-2583 or (800) 528-4800 17.24% V $19<$400; $38>$400. Over limit fee: $35. APR is Prime + 4.99%, 6.99% or 9.90%. www.americanexpress.com Blue Cash Clear None 13.24%, 15.24% or Grace period: 28-31 days. No cash advance fee. No late fee. No over limit fee. 17.24% V APR is Prime + 5.99%, 7.99% or 9.90%. Consumer Action 2008 Credit Card Survey · Page of 6
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