Best Place to Work
Firstmark has been named a Best Place to Work for five years in a row!
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- Routing / Transit Number : 314088556
| ANNUAL PERCENTAGE RATE (APR) for Purchases |
12.24 to 16.24 when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| Other APRs | Balance Transfer APR: 18% fixed Cash Advance APR: 18% fixed Penalty APR: 18% fixed¹ This APR may be applied to the entire balance on your account if you make a late payment |
| Variable Rate Information | APRs will vary. The APR for purchases will equal U.S. Prime Rate² plus a margin of either 5.99% or 9.99%, based on credit and other conditions. The maximum APR that can apply is 18% or the maximum permitted by law, whichever is greater. However, the APR will not go below 8% or 9.99% depending on credit qualification. |
| Grace Period for Repayment of Balances for Purchases | 25 days if total balance is paid in full by the payment due date on the billing statement; otherwise none. |
| Grace Period for Repayment of Balances for Cash Advances and Balance Transfers | None |
| Method of Computing the Balance for Purchases |
Average daily balance (including new purchases) |
| Annual Fee | $35 |
| Minimum Financial Charge | None |
| Balance Transfer Fee | $0 |
| Cash Advance Fee | 2% of each Cash Advance |
| Over-limit Fee | $15 when account balance exceeds the established credit limit by 10% or more. |
| Late Payment Fee | $25, when the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date. |
| Returned Check Fee | $28 |
| Card Replacement Fee | $5 |
| International Purchase, Credit Voucher and Cash Disbursement Fee | 1% per transaction |
| Pay-by-Phone Fee | $5 |
| To Report Lost or Stolen Cards 24/7, call (800) 449-7728. | |
Firstmark has been named a Best Place to Work for five years in a row!
