There are lots of threads on MyFico about Comenity closing accounts for no reason (usual excuse is inquiries, but thats nonsense especially on established accounts with no lates or high utility). GE/Sync has also been a bit strange lately closing accounts demanding tax information, etc.Īs mentioned by others, store cards are "contracted" with various lenders, especially Citi, Cap-1, Barclays (banks), Comenity and GE/Sync (private label lenders), I'd always take a bank over the store-card specialists. Cap-1 is going to be taking over Cabella's Visa cards which I have with a $15k CL and I'm not the least bit worried about it - had that account gone to Comenity, I'd close it the day it transferred. Mint, or (iii) buy cash convertible items.Although I'm not a big fan of Cap-1 Credit Cards (other than the GM Card, which I know is not popular on these forums), I'd welcome 100% doing business with Cap-1 over Comenity for any store card. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks Balance Transfers Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets) interest charges and fees credit insurance premiums and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. ![]() Net Purchases are Purchases minus credits and returns. Points are earned on eligible Net Purchases. This offer may not be combined with any other bonus offer. Bank Altitude Go Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. Use of the Card is subject to terms and conditions of the U.S. The bonus is not available to Cardmembers who currently have, or had, a U.S. Please allow 6-8 weeks for your bonus Points to be credited to your Account. Upon approval, see your Cardmember Agreement for details. Mint, or (iii) buy cash convertible items. Net Purchases are purchases minus credits and returns. Bank Altitude Go Visa Signature Card and eligible Net Purchases totaling $1,000 or more are made to your Account within 90 days after Account opening. One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Bank ExtendPay ® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay ® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. Bank ExtendPay ® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. There is a $1 minimum interest charge where interest is due. Balance Transfer fee: 3% of each transfer amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. ![]() Cash Advance fee: 5% of each advance amount, $10 minimum. The variable APR for Cash Advances is 29.99%. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The introductory rate does not apply to cash advances. ![]() The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. * The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles.
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