Terms of Credit Card Plan Survey

FR 2572
OMB No. 3170-0001
Expiration Date: xx/xx/20xx

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:
(Limit to 36 characters)

Institution Name

2. Availability of credit card plan (enter code):
1 = National
2 = Regional
3 = One State
3

1
2
3

Name of contact:
Title of contact:
Phone number of contact:
E-Mail of contact:

Credit Card Plan Information By State:
PLEASE READ INSTRUCTIONS BEFORE COMPLETING FORM
Balance Range
TERMS FOR SECOND TIER
TERMS FOR THIRD TIER
TERMS FOR FOURTH TIER
VARIABLE RATE
Balance Range
Balance Range
Balance Range
APR
From
To
APR
APR
APR
Index
Margin
Multiple
State
From
To
From
To
From
To
Percent
Dollars
Dollars
Percent
Dollars
Dollars
Percent
Dollars
Dollars
Percent
Dollars
Dollars
(Code)* Percent Number
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
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,

Annual
Fee

Grace
Period

Dollars
P

(Days)
Q

(enter 10 digits, no
formatting)

Transaction Fee for
Purchases
Dollars
R

Percent
S

8 = Federal Reserve Discount Rate,

Minimum Finance
Charge
Dollars
T

9 = Other.

Percent
U

FR 2527
Page 2 of 3

Balance Range
APR
State
Percent
A

From

To

Dollars
B

Dollars
C

TERMS FOR SECOND TIER
Balance Range
APR
From
To
Percent
Dollars
Dollars
D
E
F

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,
56. Transaction fee for cash advances:
If fee is uniform over the plan's region, identify amount:
Amount
A.
Or if fee varies over the plan's region, identify range:
Minimum amount
C.
Maximum amount
E.
57. Late Payment fee:
If fee is uniform over the plan's region, indicate amount:
Amount
A.
Or if fee varies over the plan's region, identify range:
Minimum amount
C.
Maximum amount
E.

TERMS FOR THIRD TIER
Balance Range
APR
From
To
Percent
Dollars
Dollars
G
H
I

TERMS FOR FOURTH TIER
Balance Range
APR
From
To
Percent
Dollars
Dollars
J
K
L

VARIABLE RATE
Index

Margin

Multiple

Annual
Fee

Grace
Period

(Code)*
M

Percent
N

Number
O

Dollars
P

(Days)
Q

Transaction Fee for
Purchases
Dollars
R

Percent
S

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,
58.
Over the credit limit fee:
Dollars
Percent
Dollars
Percent
If fee is uniform over the plan's region, identify amount:
B.
Amount
A.
B.
Or if fee varies over the plan's region, identify range:
D.
Minimum amount
C.
D.
F.
Maximum amount
E.
F.
1
2
B.
3
4
D.
5
F.
6

Minimum Finance
Charge
Dollars
T

9 = Other.

Percent
U

FR 2527
Page 3 of 3

7
59. Balance computation method (enter code):
1 = Average daily balance including new purchases;
4 = Two-cycle average daily balance including new purchases;
7 = Other - please describe (limit to 752 characters).

2 = Average daily balance excluding new purchases;
5 = Adjusted balance;

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

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)