Important Information
Annual Percentage Rate (APR) for Purchases
0% Introductory APR for one year. After that, your APR will be 34.15%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances and Balance Transfers
34.15% This APR will vary with the market based on the Prime Rate
How to Avoid Paying Interest on Purchases
Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay the entire balance by your due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $.50 (fifty cents)
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore
Annual Fee
No Annual Fee for one year, then $25 if your credit limit is less than $1,000 and $55 if your credit limit is equal to or greater than $1,000.
Cash Advance
Either $3 or 3% of the amount of each cash advance, whichever is greater.
Balance Transfer*
Either $3 or 3% of the amount of each transfer, whichever is greater.
We use a method called “average daily balance (including new purchases).”
*Balances transferred from another credit card account up to your available credit limit are treated as a cash advance.
If you have any questions, call Customer Service toll-free: 1-800-733-1732.
Note: In determining if you qualify for an account, we may use the information on the Credit Card Request Form plus information about you from other sources, including credit reports. By responding to this credit card offer, you authorize the Bank to obtain credit reports about you, both now and in the future, for any legitimate business purpose associated with the account or request for an account, including but not limited to reviewing, modifying, renewing or collection on your account.
Patriot Act Notice: Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
MILITARY LENDING ACT TOLL-FREE NUMBER: For a statement of the Military Annual Percentage Rate or MAPR that is applicable to covered borrowers and a description of a covered borrower's payment obligation, please call, toll-free, 1-844-435-1814.
CALIFORNIA RESIDENTS: A married applicant may apply for a separate account.
NEW YORK RESIDENTS: Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports. New York residents may contact the New York State Department of Financial Services to obtain a comparative list of credit card rates, fees and grace periods:
1-877-226-5697 or
www.dfs.ny.gov OHIO RESIDENTS: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS: No agreement, court order, or individual statement applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision.
By submitting a request for a credit card, you acknowledge and agree that 1) you must be at least 18 (or if you are 18 and your residence is in Alabama or Nebraska, you are of sound mind or are not a ward of the state, respectively); 2) your Credit Card Request Form must include your Yearly Income, which is the total amount you receive or reasonably expect to receive each year, including money from Employment, and money received from Interest, Dividends, Benefits, Public Assistance, etc. indicating that you have an independent ability to make the required minimum payments each month; 3) all information you provide is accurate and complete; 4) your initial credit limit may be as low as $150, and you can reduce your credit limit even further to as little as $100 -- or you can request an increase at any time subject to Bank approval. The Bank will also periodically review your credit limit and may increase or decrease it at any time and promptly mail you a written notice of such change. Note, too, that you can always "freeze" your credit limit at any time to a specified level to prevent any increase, or you can just allow the Bank to increase your credit limit automatically, as you demonstrate your ability to handle more credit; 5) your card protects you with Zero Liability for Unauthorized Use -- which means that "if you didn't buy it, you don't pay for it"; 6) when you use your card, it is to your advantage to carefully review your monthly billing statements, and decide, each month, whether to pay your balance in full, or spread your payments over several months, or just pay the "Minimum Payment" necessary to keep your account in good standing by always making your payments in a timely manner and by never exceeding your credit limit, to start building a good credit history.
