Santander Credit Card Agreement

for the first 12 months1 with santander® Ultimate Cash Back® credit card. 2 Santander® Instant Card Hold blocks most types of transactions, including purchases with your card. Please note that certain types of transactions continue to be processed, including recurring debit/credit transactions provided to us by some merchants for a monthly subscription or subscription fee. Download or check your card agreement here: Santander® Ultimate Cash Back® The terms and conditions of credit card agreements. Bravo® Mastercard Sphere Credit Card® Mastercard Santander Credit Card® Ultimate Cash Back® S.A. Credit Card Agreement To ensure that your payment is associated with the correct agreement, please provide your reference number for online payments. 10% annual introductory rate (APR) for 12 settlement cycles within 90 days of opening your account and 0% INTRODUCTION-APR for 12 billing cycles for purchases. After the introductory period, a variable RPA for balance transfers and purchases from 14.69% to 23.82% based on the premium rate and your creditworthiness, with a transaction fee for each account transfer of $10 or 3% of the amount of each transaction, depending on the highest amount. There is no additional time for deferrals of balances, as interest is from the date of booking.

Even if you accept a money transfer offer, it means you pay interest on new purchases from the date you don`t pay all balances, including the share transfer, until the next payment date on your statement if you don`t pay all balances, including stock transfers, in your entirety. Net cash transfers should not be used to repay or refund accounts issued by santander Bank, N.A. Net transfers can be made to other institution`s credit balances or to card balances that accept our electronic payments. Variable APR for purchases from 14.69% to 23.82% based on the premium rate and your creditworthiness when you opened your account. APR cash advance of 25.34%. The loss of an introductory or share price, if it exists, can be attributed to your account for an indeterminate period if you miss or pay a late payment or if you are late. There are no annual fees, cash advances, foreign transactions or restitution. Funding costs continue to be incurred. Each time we do not receive the full minimum payment until the payment due date, we charge you a late fee of $25 for the first late commission over a 6-month period and a $35 fee for each late payment until there are 6 consecutive months without late payment.

However, we never charge late payment fees that exceed the minimum payment due. Prices at the end of 1990 are 1.5% in 19 Prices can change. In the first 12 months after opening the account, you will receive 3% cash back for new net retail purchases (qualifying purchases minus credits, returns and adjustments) until you have issued $20,000 or equivalent. Otherwise, you earn 1.5% cash back on new net retail purchases. Cash can be exchanged for account statement credits, gift cards, electronic certificates or merchandise. Cash payments cannot be obtained with cash transfers, cash advances, purchases of payments and other cash equivalents, purchases made for commercial or commercial purposes, fees, interest charges, unauthorized/fraudulent transactions and certain other commissions.

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