Policies and Terms

What is the balance transfer policy?
Can I increase my credit limit?
Does the Hypercard card use a fixed or variable interest rate?
Can the rate or other terms be negotiated?
Are Hypercard credit cards secured or unsecured?
How many Hypercard credit cards can I have?
How can I access my Cardholder Agreement?
How is my interest rate calculated?
What is the current APR for my account?