CARD/ISSUER                ANNUAL  ANNUAL   TERMS 
                               PERCENTAGE 
                                  RATE    FEE
      
      PRIME FOR LIFE              8.75%   $88     Designed for consumers who
      Wachovia Bank,         (Prime rate)         carry at least a $1,000 bal-
      800 842-3262                                ance; $98 for gold card
      
      AFBA INDUSTRIAL BANK        11.9%   None    8.5% introductory rate valid
      800 776-2265                                till Jan. 1, 1996; hard to
                                                  qualify for
      
      USAA FEDERAL SAVINGS BANK   12.67%  None    Interest rate pegged to
      800 922-9092                                Treasury-bill index
      
      PRIME VALUE                 12.50%  $18     Six-month teaser rate of 
      PNC Bank, 800 PNC-9901      (Prime          8.9%; $28 for gold card
                                  +3.75%)
      
      FIRST YEAR PRIME            12.65%  $18     First-year rate is 8.75%,
      Wachovia Bank,              (Prime          available nationally
      800 842-3262                + 3.9%)
      
      CONSUMERS' EDGE             14.65%  None    Standard card has no grace
      Bank of New York,           (Prime          period so interest charges
      800 235-3343                +5.9%)          accrue from Day One
      
      CONSUMERS' BEST             14.9%   $29     6.9% fixed rate until April
      Capital One, 800 952-3388                   '96; 14.9% fixed thereafter
      
      DATA: RAM RESEARCH GROUP
      
Before it's here, it's on the Bloomberg Terminal. LEARN MORE