Na przykładzie dzisiejszej oferty amazon.com, a w całości najśmieszniejsze jest
ostatnie zdanie :-)))


"Pricing & Terms
RATE, FEE AND OTHER COST INFORMATION
Annual Percentage Rate (APR) for purchases
13.24% variablea for the Signature card or
18.24% variable or
21.24% variable for the Platinum card, depending on our review of your application
and credit history.

Other APRs
Balance Transfer APR
13.24% variable for the Signature card or
18.24% variable or
21.24% variable for the Platinum card, depending on our review of your application
and credit history.
Cash Advance APR:
19.24% variable or, if your purchase APR is
21.24% variable, then
23.24% variable.
Default APR:
Up to
29.99% variable. See explanation below.b
Overdraft Advance APR:
19.24% variable (not available in some states)

Variable rate information
The following APRs may vary monthly based on the Prime Rate:c
Purchase and Balance Transfer APR:
The Prime Rate plus, as applicable
9.99%
14.99%, or
17.99%.
Cash Advance APR:
The Prime Rate plus either
15.99% or, if your purchase APR is
21.24%, then plus
19.99%.

Default APR:
The Prime Rate plus up to 26.99%, but not more than
29.99%.
Overdraft Advance APR:
The Prime Rate plus 15.99%.

Grace period for repayment of purchase balances
At least 20 days.

Method of computing the balance for purchases
Average daily balance method (including new purchases).

Annual fee
None

Minimum finance charge
$1.00

Transaction fee for balance transfers
3% of the amount of each transaction, but not less than $5.00.

Transaction fees for cash advances
3% of the amount of the transaction, but not less than $10.00.

Late Payment fee
$15.00 on balances up to, but not including, $100.00;
$29.00 on balances of $100.00 up to, but not including, $250.00; and
$39.00 on balances of $250.00 and over.

Over-the-Credit-Limit fee
None for Signature;
$39.00 for Platinum.

International Transaction fee
3% of the U.S. dollar amount of the transaction, whether originally made in U.S.
dollars or converted from a foreign currency.

Variable APRs are based on the 3.25% prime rate on 12/22/2008."