Seattle Bank Spirit of 12 Credit Card Details:

The creditor, issuer and service provider of your Credit Card is Elan Financial Services. 0.00% Introductory APR for the first 6 billing cycles. After that, your APR for Purchases and Balance Transfers will be 9.99%- 20.99% (depending on your credit history). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 4%, $10 minimum, Cash Equivalent fee: 4%, $20 minimum. Balance Transfer fee of 5%, $3 minimum for first 6 billing cycles, after that 10%, $4 minimum . There is a $2 minimum finance charge where interest is due. There is no annual fee. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Penalty Fees: Up to $35 for Late and Returned Payment. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. This information is accurate as of 01/2011 and is subject to change after this date. For current information, please contact Elan Financial Services at P.O. Box 6354 Fargo, ND 58125-6354 or call us at 1-866-234-4691 (TDD 1-888-352-6455) for any changes.