Credit Cards
North Shore Trust and Savings is proud to offer
several different credit cards for you to choose from. One is sure
to fit your needs. It is the only card you need, from the bank you
trust!
|
Preferred Points Card |
Low Rate Card |
| Intro Rate of
2.90% APR* for the first 6 months. |
Intro Rate of
2.90% APR* for the first 6 months. |
| Standard rate after
intro Prime+ 11.99% |
Standard rate after
intro Prime+ 10.24% |
| No Annual Fee |
No Annual Fee |
|
|
Use
your Preferred Points Card to earn points that you can redeem
for rewards. Earn
one point for each dollar spent, up to 10,000 points per month.
Redeem
your rewards points for cash-back awards, retail gift cards,
travel and a wide variety of merchandise
including cameras, mp3 players, home theater systems, portable
DVD players, sporting equipment, jewelry, luggage, electronics,
video game equipment, gift cards and more.
|
25 day Grace Period
for purchases. No grace period for cash advances.
|
25 day Grace Period
for purchases. No grace period for cash advances. |
| Penalty
APR- Up to 21%, see below** |
Penalty
APR- Up to 21%, see below** |
|
Standard Fees for all Programs
Late Fee: $35 Over-Limit Fee: $35 NSF Fee: $35 Pay-By-Phone:
$10 Cash Advance Fee: 3% of the Cash Advance Amount, subject to a
minimum fee of $10.
*After Introductory rate, the Annual
Percentage Rate
(APR) will vary based on changes in the Index, the Prime Rate (the
base rate on corporate loans posted by at least 75% of the
nation's largest banks) published in the Wall Street Journal. The Index will be
adjusted on the 25th day of each month or the business day
preceding the 25th day if that day falls on a weekend or a holiday
recognized by the Board of Governors of the Federal Reserve
System. Changes in the Index will
take effect beginning with the first billing cycle in the month
following a change in the Index. Increases or decreases in the
Index will cause the APR and periodic rate to fluctuate, resulting
in increased or decreased Finance Charges on the Account. As of
April 23, 2010, the Index was 3.25%. The
Account will never have an APR over 21%. **If
you allow your account to become 60 days past due, we may
increase your APR on all balances to a higher rate equal the
Index plus a margin of 15.99%, up to a maximum of 21%. However,
if your APR is increased, your Account may become eligible for a
lower APR if you make timely payments for three consecutive
months.
Accurate as of May 1, 2010 |
|
