2. Annual feeNone Finance chargeMinimum of $0.5 Minimum payment Greater than $25 or 1% of your balance plus interest Balance transferNo, with 14-21% APR APR 0% until july 2014; 12-20% variable. Penalty APR = 29.4%, APR on Cash Advance = 24.9% Grace Period25 days on purchases Late payment feeUp to $35 Cash Advance3% fee, minimum fee of $10 Interest-fixed or variableMinimum of $0.5 Credit Limit$3,000 - $20,000 Types of CardLow Interest Visa Credit Rewards Card Other features (rebate) 10,000 bonus miles

3. Annual feeNone Finance chargeMinimum of $0.5 Minimum payment$10 Balance transferNo (fee = $5 – 3%) APR 0% for 18 months then 13-22% on purchases -- depending on credit worthiness ---- 25% on cash advance Grace Period22 days Late payment feeNone Cash Advance13, 18, or 22% APR – 5% fee Interest-fixed or variableMinimum of $0.5 Credit Limit$500- $3,000 Types of Card(Visa) Low interest Credit Card Other features (rebate)$0 fraud liability

4. Annual feeNone Finance chargeMinimum finance charge of $0.5 Minimum payment $35or 2% of the new balance on billing statement Balance transferYes 3% or minimum of $5 fee for each BT APR 0% for 6 months on purchases and for 18 months on balance transfers (11-23% later on) Grace Period25 day grace period Late payment feeNone for first, $35 for the following Cash Advance Either $10 or 5% fee of each cash advance Interest-fixed or variableMinimum of $0.5 Credit LimitAverage of $1500 Types of CardDiscover decision credit reward card Other features (rebate) 1% cash back on all items