TRANSFER & SAVE
Move high-rate balances to your Kinecta credit card

This summer, save time and money by moving your higher-rate credit card balances onto your Kinecta credit card.

Kinecta credit cards are variable and the post-promotional APR is based on your creditworthiness. As of 8/9/10, the APR for Kinecta credit cards is between 10.24%-18.00%.

How much can you save with a balance transfer
at 6.99% fixed APR for six months?* 

You could save HUNDREDS
No balance transfer fee!

	Current Rate	Transfer Amount	Rate Difference	Savings** (over 6 months)
Card 1	14%	$3,000	7.01%	$105.15
Card 2	17%	$5,000	10.01%	$250.25
Card 3	20%	$10,000	13.01%	$650.50

** Assumption: Minimum payment made each month.

Transfer a balance today! It’s easy!

• Call 877.881.6024
• Click here
• Or visit a Kinecta member service center

Don’t have a Kinecta credit card?
Click here to apply!

* APR: Annual Percentage Rate. The promotional 6.99% fixed APR does not apply to purchases or cash advances made on your Kinecta credit card. Duration of 6.99% APR will be for 6 months from the date of the balance transfer. After 6 months, your standard purchase APR will be applied to all balances. The promotional 6.99% APR will be applied to balance transfers made during the promotional period, starting on July 1, 2010 and ending on September 30, 2010. Your rate may increase if your account is consistently past due. Kinecta can change the account terms, including fees, at any time for any reason. A 45-day notice will be provided to you before these changes occur, and you have the right to opt out of changes. To the extent your payments exceed the minimum payment due each billing period, we will apply these excess amounts to balances with high APRs prior to balances with low APRs. If you have any authorized users on your account, the authorized user cannot request a transfer. All other terms and conditions for your account remain in full force and effect.
Annual Percentage Rate: 10.24% to 18.00% (rate is determined based on creditworthiness). Cash Advance Fee & Transfer Fee: 3% of the amount of each transfer with a $10.00 minimum, $100.00 maximum, whichever is greater. Foreign Transaction Fee Balance: 1.0% of each foreign transaction, regardless of whether the transaction is in U.S. dollars or foreign currency.

5231-09/10