Zero Fraud Liability
|Purchase APR||Annual Fees|
|7.25% (4.0% + prime)†||$0†|
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
Important Information: As required by law, rates, fees and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including fees and the APRs for new transactions, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason. You should thoroughly review so that you are fully informed about your credit card loan.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||7.25%
This APR will vary with the market based on the Prime Rate*
|APR for Cash Advances||7.25%
This APR will vary with the market based on the Prime Rate.*
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $1.00|
|Transaction Fee for Cash Advances||3.00% of the amount of each transfer ($5.00 minimum).|
|• Late Payment||$45.00|
|• Over-the-Credit Limit||$50.00|
|• Returned Payment||$25.00|
*The Prime Rate used to determine your APR is the rate published in the Wall Street Journal.
How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." *An explanation of this method is provided in your account agreement.
Credit Disclosures are accurate as of April 30, 2020 and are subject to change. This information may have changed after that date. To ﬁnd out what may have changed, call us at (518) 370-7200, write us at 1st National Bank of Scotia, 201 Mohawk Avenue, Scotia NY 12302, or visit us at www.ﬁrstscotia.com.
You may contact the New York State Banking Department at 1-877-226-5697 or visit www.dfs.ny.gov to obtain a comparative listing of all credit card rates, fees and interest-free periods.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.