License and Rates. ACE Elite Plans. Fees may apply to reload your ACE Elite Prepaid Card. 1 To get cash back and avoid paying a higher ATM fee, select "debit" and enter your PIN when making a purchase at a retailer. Purchase transaction fee may apply, depending on which fee plan you selected. This option may not be available at all retail locations where the card is accepted. 2 ATM owner fees may also apply. 3 Calculation based on 5 PIN Purchase Transactions and 5 Signature Purchase Transactions.
4 To be eligible for this optional fee plan, have 500 deposited to the ACE Elite Prepaid Card during one calendar month. See Cardholder Agreement for details.
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It may be just a "representative" rate. In practice lenders often charge different people quite different APRs depending on various factors including the amount borrowed and duration of the loan - so you may actually be charged more than the rate in the advert.
What about other fees charged on top of interest. Some lenders add various extra fees and charges on top of the interest, especially for late repayment. And not all of these are factored into the APR.
Sometimes people only realise too late that they haven't read the small print. Remember to compare lenders' charges as well as their APRs and make sure you fully understand all the charges before you commit to hdfc personal loan top up rules. Especially what will happen if you don't repay on time.
Take your time to look at the small print and don't be afraid to keep asking until they have explained it all clearly, or to walk away.