*Reduced APR: Available on qualifying purchases of select products charged to a Citizens Pay Line of Credit Account. Go to to read the full Citizens Pay Line of Credit Agreement. Below is important information regarding rates and fees. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
Standard Purchase APR: 29.99%. Regular account terms apply to non-promo purchases. 0%-29.99% APR from date of purchase until paid in full. Promotional offers based on creditworthiness. Limited time offer. Minimum Purchase: $99.
LINE OF CREDIT ACCOUNT SUMMARY TABLE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
{apr} for non-promotional purchases
How to Avoid Paying Interest on Purchases
Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on your purchase if you pay the entire balance by the payment due date in your first billing statement for that purchase.
For Line of Credit Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a line of credit, visit the website of the Consumer Financial Protection Bureau at
Fees
Annual Fee
None
Penalty Fee
- Late Fee
Up to $38
How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).” See your Line of Credit Agreement for more details.
Billing Rights:
Information on your rights to dispute transactions and how to exercise those rights is provided in your Line of Credit Agreement.
Current Rates on the Account:
The Monthly Periodic Rate will differ based on product purchase and promotional pricing. APR will vary between 0.00% to 29.99%. Promotional pricing may differ per time and/or product. Promotional APRs may be based on creditworthiness. The information about the costs and fees for this Line of Credit described in this application is accurate as of the program’s launch date. This information may have changed after that date. To find out what may have changed, call us toll-free at 1-888-522-9881 or write to us at Citizens Bank PO Box 2360, Omaha, NE 68103.
Military Lending Act Information:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit or debit payment account). To hear the Military Lending Act Information call 1-866-999-6336.
Notice to New York and Vermont Residents:
Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports. New York residents may contact the New York State Department of Financial Services by telephone at 1- 877-226-5697 or visit its website at for free information on comparative credit card rates, fees and grace periods.
Notice to 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.
Notice to Married Wisconsin Residents:
No agreement, court order, or individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or complete information about, the agreement, order, or statement or unless we have actual notice of it.
