 IberiaBank Visa Gold Cash Back Rewards Card
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Intro APR: 9.75%
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Issuer: IberiaBank
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Annual Percentage Rate for Purchases.
A variable APR will apply to balances attributable to purchases:
9.75%, 13.25%, or 16.25% as of 6/1/09, depending on your crdeitworthiness.
Annual Percentage Rate for Balance Tramsfers
1.99% APR for 6 billing periods from the posting date of the balacne transfer check, after that 9.75%, 13.25%, or 16.25% as of 6/1/09 based on your creditworthiness. *
Other ARPs
A variable APR will apply to blaances attributable to cash advances and convenience checks:
13.75%, 17.25%, or 20.25% as of 6/1/09, depending on your creditworthiness.
Default APR: 22% on all balences**.
Variable Rate Information
Your ARPs may vary. The rates are determined monthly by adding the Index (described below) and the following spreads:
6.50%, 10.00%, or 13.00% per annum, depending on your credit worthiness, for the APR for credit card purchases.
10.50%, 14.00%, or 17.00% per annum, depending on your credit worthiness, for the APR for cash advances and convenience checks.
The Index for each billing cycle is the highest ( U.S. ) “Prime Rate” published in the Money Rates table of The Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing cycle ends. If the index has changed, the new variable rates will take effect as of the first day of the billing cycle.
Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balence remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balamce of Creit Purchases, which is determined by dividing the sum of the daily balacnes during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily blaance of Credti Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credts as posted to your account, but excluding any unpaid Finance Charges.
Annula Fees:
None.
Minimum Finance Charge:
$1.00
Transaction Fee for Purchases:
None
Transaction Fee for cash advances:
All cash advances (excluding blaance tarnsfers)
5% of the amount of the advance, but not less than $5.00, no more than $100.00.
Transaction Fee for balance Tramsfers:
2% of the transfer amount
Other Fees:
Late Payment Fee:
$15.00 for balances less than $100.00
$29.00 for balamces of $100.00 to $1000.00
$35.00 for balances greater than $1000.00
Over-the-Credit-Limit Fee: $35.00
Insufficient Check Fee: $35.00
Foreign Transaction Fee: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs.
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 Apply for IberiaBank Visa Gold Cash Back Rewards Card
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Credit cards
Credit card offer
- Transfer your balance to IberiaBank Visa Gold Cash Back Rewards Card
Be alert for companies offering a great intrest rate for transferring your balamce to their card. Usually these rates are only in effect for a short time, often six months. At the end of this time, the rate can revert to a much higher permanent rate. Keep your eye on the Annual Percentage Rate (APR); this is the figure that counts in the long run. Balance transfer credt cards.
Tired of high charges? Find the best database for credt cards! Read the fine print and find the Annual Percentage Rate (APR). This is the intrest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.
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