Assuming this applies to everyone....effective January 3, 2016.

Cash Advance APR from Prime Rate + 15.99% (currently 19.24%) to Prime Rate + 21.74% (currently 24.99%).

Overdraft Advance APR from 13.99% to Prime Rate + 21.74% (currently 24.99%)

Balance Transfers Fee from (greater of) $5 or 3% to (greater of) $5 or 5%.

Cash Advances Transaction Fee from (greater of) $10 or 3% to (greater of) $10 or 5%.

Late Payment Fee (depending on balance) $15/$25/$35 to (depending on balance) $15/$27/$37.

Return Payment Fee from $25/$35 (first/second time in 6 months) to $27/$37 (first/second time in 6 months).


(No mention of changes to interest on carried balances.)