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t was due.) As a reminder, the penalty APR may apply to new transactions if your payment is retumed by your bank. For more information, please see Penally APR for new transactions under the How Rates and Fees Work table of your Cardmember Agreement. When we charge We are changing how you can avoid inter

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ent Due remains unpaid, on each Closing Date after that. • Paying late may also result in a Penalty APR. See Penalty APR for new transactions and Penally APR for existing balances above. In certain circumstances, because of the timing of the late fee charges described above, a billing statement may refle