FR 2572 Report of Terms of Credit Card Plans

REPORT OF TERMS OF CREDIT CARD PLANS

As of:

mmddyyyy

This report is required by law [15 U.S.C. § 1646(b)].

1. Name of credit card plan:

Name of contact:

(Limit to 36 characters)

Title of contact:

2. Availability of credit card plan (enter code):

1

Phone number of contact:

(enter 10 digits, no formatting)

Institution Name

1 = National 2 = Regional 3 = One State

2

E-Mail of contact:

3

3

Credit Card Plan Information By State:

PLEASE READ INSTRUCTIONS BEFORE COMPLETING FORM

State

APR

Balance Range

TERMS FOR SECOND TIER

TERMS FOR THIRD TIER

TERMS FOR FOURTH TIER

VARIABLE RATE

Annual Fee

Grace Period

Transaction Fee for Purchases

Minimum Finance Charge

From

To

APR

Balance Range

APR

Balance Range

APR

Balance Range

Index

Margin

Multiple

From

To

From

To

From

To

Percent

Dollars

Dollars

Percent

Dollars

Dollars

Percent

Dollars

Dollars

Percent

Dollars

Dollars

(Code)*

Percent

Number

Dollars

(Days)

Dollars

Percent

Dollars

Percent

A

B

C

D

E

F

G

H

I

J

K

L

M

N

O

P

Q

R

S

T

U

3

National

4

Regional

5

AL

6

AK

7

AZ

8

AR

9

CA

10

CO

11

CT

12

DE

13

DC

14

FL

15

GA

16

HI

17

ID

18

IL

19

IN

20

IA

21

KS

22

KY

23

LA

24

ME

25

MD

* Variable rate index codes: 1 = Prime, 2 = One-month T-bill, 3 = Three-month T-bill, 4 = Six-month T-bill, 5 = One-year T-bill, 6 = Fed Funds, 7 = Cost of Funds, 8 = Federal Reserve Discount Rate, 9 = Other.

State

APR

Balance Range

TERMS FOR SECOND TIER

TERMS FOR THIRD TIER

TERMS FOR FOURTH TIER

VARIABLE RATE

Annual Fee

Grace Period

Transaction Fee for Purchases

Minimum Finance Charge

From

To

APR

Balance Range

APR

Balance Range

APR

Balance Range

Index

Margin

Multiple

From

To

From

To

From

To

Percent

Dollars

Dollars

Percent

Dollars

Dollars

Percent

Dollars

Dollars

Percent

Dollars

Dollars

(Code)*

Percent

Number

Dollars

(Days)

Dollars

Percent

Dollars

Percent

A

B

C

D

E

F

G

H

I

J

K

L

M

N

O

P

Q

R

S

T

U

26

MA

27

MI

28

MN

29

MS

30

MO

31

MT

32

NE

33

NV

34

NH

35

NJ

36

NM

37

NY

38

NC

39

ND

40

OH

41

OK

42

OR

43

PA

44

RI

45

SC

46

SD

47

TN

48

TX

49

UT

50

VT

51

VA

52

WA

53

WV

54

WI

55

WY

* Variable rate index codes: 1 = Prime, 2 = One-month T-bill, 3 = Three-month T-bill, 4 = Six-month T-bill, 5 = One-year T-bill, 6 = Fed Funds, 7 = Cost of Funds, 8 = Federal Reserve Discount Rate, 9 = Other.

56

Transaction fee for cash advances:

Dollars

Percent

58

Over the credit limit fee:

Dollars

Percent

If fee is uniform over the plan's region, identify amount:

If fee is uniform over the plan's region, identify amount:

Amount

A.

B.

Amount

A.

B.

Or if fee varies over the plan's region, identify range:

Or if fee varies over the plan's region, identify range:

Minimum amount

C.

D.

Minimum amount

C.

D.

Maximum amount

E.

F.

Maximum amount

E.

F.

57

Late Payment fee:

1

If fee is uniform over the plan's region, indicate amount:

2

Amount

A.

B.

3

Or if fee varies over the plan's region, identify range:

4

Minimum amount

C.

D.

5

Maximum amount

E.

F.

6

7

59

Balance computation method (enter code):

1 = Average daily balance including new purchases;

2 = Average daily balance excluding new purchases;

3 = Two-cycle average daily balance including new purchases;

4 = Two-cycle average daily balance including new purchases;

5 = Adjusted balance;

6 = Previous balance;

7 = Other - please describe (limit to 752 characters).

60

Credit card plan enhancements automatically included in the credit card plan (enter an "X" next to each enhancement offered). (The reporting of this is optional):

1

rebates on purchases;

2

extension of manufacturer's warranty;

3

purchase protection/security;

4

travel accident insurance;

5

travel related discounts;

6

automobile rental insurance;

7

discounts on the purchases of goods and services

8

credit card registration;

9

reduced introductory interest rate available;

(other than travel related);

10

other (do not specify).

61

Name and address to obtain credit card application (limit to 288 characters):

62

Telephone number for consumers with questions about credit card rates and terms (limit to 16 characters):

A toll free number is requested if available:

(enter ten digits, no formatting)