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Trovy Lending Co. dba Trovy (2676733)

Credit card issued by Cross River Bank, Member FDIC pursuant to a license from Mastercard.

Card Disclosures for Trovy HELOC credit card. This document provides important disclosures about the interest rates, interest charges, and other fees for Trovy HELOC cardholders.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 6.74 - 14.89%

This is a variable APR that will vary with the market based on the Prime Rate.
APR for Balance Transfers and Cash Advances 6.74 to 15.39%

The APR will vary with the market based on the Prime Rate. Once you make a draw, the APR for that draw will not change.
Penalty APR and When it Applies There is no penalty APR.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases made with the card if you pay your variable rate balance plus any fixed rate installments by the due date each month. Interest on balance transfers, cash advances, third-party costs, and fees is charged from the date of the transaction.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using credit card, visit the Consumer Financial Protection Bureau’s website at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee $0
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction Fee

2.99% of the amount of each transfer, up to 5% of the Maximum Credit Limit over the life of the loan

2.99% of the amount of each transfer, up to 5% of the Maximum Credit Limit over the life of the loan

$0
Penalty Fees
  • Late Payment
  • Returned Payment
  • Over-the-limit

The lesser of 5% of the past due payment and $25

$15

$0
Other Fees
  • Recording and Notary Costs

Up to $160 for government recording fees and $140 for mobile notary closing costs if a mobile notary is required. The amount of the costs will be added to your account balance in the form of a 12-month installment plan.

How We Will Calculate Your Balance: We use a method called the daily balance method (including new transactions). See your Trovy Home Equity 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 account agreement.