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Personal Credit Application

Visa Platinum with Rewards

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Applicant


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Co-Applicant


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Credit Information

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Interest Rate and Interest Charges
Annual Percentage Rate(APR) for Purchases 10.75%
APR for Balance Transfers 8.99%
APR for Cash Advances 13.99% (including Convenience Checks)
Penalty APR and When It Applies
13.99%
The Penalty APR is applied if your account becomes delinquent 60 days.
How long will the Penalty APR Apply? The Penalty Annual Percentage Rate will apply until you make six consecutive minimum payments when due.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (excluding Cash Advances and Convenience Checks) if you pay your entire balance by the due date each month.
Minimum Interest Charge NONE
For Credit Card Tips from Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the federal board at http://www.FederalReserve.gov/CreditCard
Fees
Annual Fees NONE
Transaction Fees
• Cash Advances
• Convenience Checks
• Balance Transfers
• Purchases
• International Transaction
 
2% of the amount advanced
2% of the check amount
NONE
NONE
May be subject to applicable currency exchange fees through your Visa carrier
Penalty Fees
• Late Payment Fee
• Returned Payment Fee
• Overlimit Fee
 
Up to $35
Up to $35
Up to $35 (if opted-in)
Other Fees
• Expedited Card Issuance
• Replacement Card Fee
 
$15
$35
How will we calculate your balance? We use a method called “Average Daily Balance” (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Application of Late Fee: You will be charged a late fee if a payment is not received within 10 days of the payment due date. The above disclosures are accurate at the date of printing (April 23, 2014). For changes that may have been made after printing, please call 870-612-3400 or 1-888-780-8391.
Military Lending Act Notice: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please call toll-free at 888-780-8391 to hear this disclosure orally, or for us to provide information describing how minimum payments are calculated.

Signature(s)

PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement is submitted to obtain credit and I / We certify that all information herein is true and complete. I / We agree that inquiries may be made to verify information and that credit references or verification may be given based on inquiries from other parties. This offer is subject to the credit policies of this institution. I / We agree to be bound by the terms and conditions of the bank card agreement, a copy of which will be mailed to the applicant if this application is granted, receipt of such agreement and acceptance of such terms to be conclusively presumed by the applicant’s use. If this is a joint application, the undersigned shall be jointly and severally liable for any and all credit extended from time to time.

Transfer of Balance Request

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* Please attach a copy of your most recent statement(s)

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