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Different APRs may apply to different Transactions. See the listing of your APRs on the Fact Sheet. Penalty APR. If you have a Late or a Returned Payment we may apply a penalty APR to your Account. We determine your penalty APR based on your creditworthiness. P enalty APR for new Transactions less than 60 days late. If you make a Late Payment and it s less than 60 days late or you have a Returned Payment the penalty APR only will apply to new determine if any penalty APR should be reduced....
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