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P.O. Box 51770 | Bowling Green, KY 42102-6770 | (800) 759-8500 | ABA Routing Number: 283978357

Credit Card Disclosures

 

IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card are accurate as of the effective date of December 1, 2018. You can call Us at (270) 796-8500 or write Us at P.O. Box 51770, Bowling Green, KY 42102-6770 to inquire if any changes have occurred since the effective date.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) For Purchases

VISA Platinum: 3.99% introductory APR for 12 months.
After that, Your APR will be 10.25%19.75% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate.

Annual Percentage Rate For Balance Transfers

VISA Platinum: 3.99% introductory APR for 12 months.
After that, Your APR will be 10.25%19.75% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate.

Annual Percentage Rate For Cash Advances

VISA Platinum: 3.99% introductory APR for 12 months.
After that, Your APR will be 9.25%19.25% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on Purchases

We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.

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 http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees

       Foreign Transaction

1.00% of each transaction in U.S. dollars.

Transaction Fees

       Returned Payment
       Late Payment

Up to $19.75
Up to $19.75 after 1 day.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”