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*APR=Annual Percentage Rate. Variable APR. Rate adjusts monthly and equals prime rate for previous month plus margin range based on credit worthiness. Applies to Purchases and Balance Transfers. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. This is a firm offer of credit. We selected you based on certain credit criteria. If you do not meet these criteria we may offer you a lower amount not less than $1000, or rescind the offer. Additional terms, conditions and exclusions apply. Please refer to your card’s Guide to Benefits for specific information.