|
CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum
of $5 and no maximum.
LATE FEES: $15 on balances up to $500, and $39 on balances over $500.
OVERLIMIT FEE: $15 on balances up to $500, and $39 on balances over
$500.
BALANCE TRANSFER FEE: 3% for each balance transfer made under this
offer, with a minimum of $10 and a maximum of $75.
* If you are late making a payment, we may increase your APRs to the Default
Rate. Your Default Rates are determined based on factors such as your current
purchase APR, your payment history with us and your general credit history. See
Cardmember Agreement for details.
**You agree that if your application for a Discover Card with a minimum credit
limit of $5,000 and the APRs shown above is not approved, your application will
also constitute your request for a Discover Card with the higher APRs shown
above and a lower credit limit.
† The Prime Rate used is the highest prime rate listed in The
Wall Street Journal on the last business day of the month. Actual
amount will be based on our evaluation of your credit and will be disclosed
with your card.
INTRODUCTORY/SPECIAL APR OFFERS: If you are approved for an account, you
will be able to make balance transfers under this offer until September 1,
2007. If you request balance transfers after this date, we will not make the
balance transfers. Please allow up to 4 weeks before payments to your other
accounts are made. Accordingly, you should continue to make all required
payments until you confirm that the balance transfers were made. Balance
transfers may not be used to pay any Discover accounts. Balance transfer
requests will be processed from the lowest to highest dollar amount. If a
balance transfer transaction would cause you to exceed your account credit
limit, you authorize us to process your balance transfers for an amount less
than the full amount requested. Making additional transactions may still cause
you to exceed your account credit limit. You may only make balance transfers to
accounts that list you as an accountholder. There is no grace period on balance
transfers. Any introductory/special rates will terminate if you are
late making a payment or your account is overlimit as discussed in the Default
Rate section above and in the Cardmember Agreement.
PAYMENT ALLOCATION: We apply payments and credits to balances with low
introductory/special APRs (such as special balance transfer and purchase APRs)
prior to balances with standard APRs. Therefore, your savings will be reduced
by making additional transactions or having balances that are subject to
standard APRs. In addition, the length of time the introductory/special APRs
will apply to your account may be reduced by the amount of your payments.
APPLICATION INFORMATION: Federal law requires that we obtain certain
information about you such as your date of birth and street address in order to
verify your identity. You authorize us to obtain a consumer report from
consumer reporting agencies in considering this application. Upon your request,
we will inform you of the name and address of each consumer reporting agency
from which we obtained a consumer report relating to you. Offer only available
to U.S. citizens and permanent residents 18 and older. To apply with a joint
applicant, write to us at PO Box 30943, Salt Lake City, UT 84130-0943. Every
applicant, including a spouse, may apply for a separate account. THIS OFFER
SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees and
calculation of variable rates, are accurate as of April 2007 and may change
after that date. To find out what may have changed after that date write to us
at PO Box 15410, Wilmington, DE 19886-0820.
CARDMEMBER AGREEMENT: You agree to be bound by the terms of the
Cardmember Agreement, which will be sent with the Card. You also agree that the
Cardmember Agreement and the account are governed by Delaware and federal law.
EXCEPT FOR ANY INTRODUCTORY/SPECIAL OFFERS, the terms of your account,
including rates and fees, are subject to change.
ARBITRATION: The Cardmember Agreement includes an arbitration provision
that allows either of us to choose to resolve a claim or dispute relating to
your Account by binding arbitration, in which case, neither of us will have the
right to have that claim resolved by a judge or jury. You will have the right
to reject the arbitration provision with respect to your new Account within 30
days after receiving your Card. For restrictions and additional information,
see the Cardmember Agreement or write to us at PO Box 15192, Wilmington, DE
19886-1020.
OHIO RESIDENTS: The Ohio laws against discrimination require that all
creditors make credit equally available to all creditworthy customers, and that
credit reporting agencies maintain separate credit histories on each individual
upon request. The Ohio Civil Rights Commission administers compliance with this
law. NEW YORK RESIDENTS: Call the New York State Banking Department at
(800) 518-8866 for a comparative list of credit card rates, fees and grace
periods. WISCONSIN RESIDENTS: No agreement, court order or individual
statement applying to marital property will adversely affect a creditor's
interests unless prior to the time credit is granted the creditor is furnished
with a copy of the agreement, court order or statement, or has actual knowledge
of the adverse provision. Married Wisconsin residents must furnish the name and
address of their spouse to: The Miles Card from Discover Card at PO Box 15410,
Wilmington, DE 19886-0820.
REWARDS: Earn unlimited rewards on all purchases. Earn 2 Miles for each
dollar you spend on your first $3,000 in annual travel and restaurant
purchases. In addition, earn 1 Mile for each dollar you spend on all other
purchases, including combined annual travel and restaurant purchases in excess
of $3,000. Travel purchases are those made on airline tickets, hotel rooms, car
rentals, cruises, tour operators and vacation packages purchased through travel
agents, including online purchases. Restaurant purchases are those made at
merchants classified as full-service restaurants, cafes, cafeterias and fast
food locations. Miles have no expiration date; however, certain circumstances,
such as account closure and inactivity for more than 36 months, will result in
forfeiture of your Miles. Full terms and conditions, including redemption
information, will be sent with your Card.
Terms of 12,000 BONUS MILES OFFER: Earn, 1,000 Bonus Miles each calendar
month you make a purchase for 12 months from the date your account is opened,
with a cap of 12,000 Bonus Miles. Bonus Miles will be applied within 8 weeks.
We are not responsible for merchant delays in processing transactions. This
promotional offer is in addition to the Standard Miles earned on purchases.
Promotional Miles will be applied within 8 weeks.
|
