There is a one-time sign-up fee to activate your credit line and a 1% finance charge each time you withdraw. You are only charged interest on the credit you use (15% APR with Auto-Pay enabled or 17.99% APR with Auto-Pay disabled). Late payments incur fees (5% of the minimum payment due or $5, whichever is less). There is a monthly or annual service fee. See your Credit Agreement for further details.