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Credit Card Disclosures

The following disclosure represents important details concerning Your Credit Card. The information about the costs of the Card is accurate as of the effective date of October 1, 2021. 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.

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Interest Rate & Interest Charges

Minimum payment = 1.5% of outstanding balance, or $20 whichever is greater.
Annual Percentage Rate (APR) For Purchases VISA Platinum: 3.99% introductory APR for 12 months.
After that, Your APR will be 8.25% – 16.25% 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.
Annual Percentage Rate For Balance Transfers VISA Platinum: 3.99% introductory APR for 12 months.
After that, Your APR will be 8.25% –16.25% 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
Annual Percentage Rate For Cash Advances VISA Platinum: 3.99% introductory APR for 12 months.
After that, Your APR will be 8.25%–16.25% 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.

Fees

Transaction Fees - Foreign Transaction 1.00% of each transaction in U.S. dollars.
Transaction Fees
  • Returned Payment
  • Late Payment
  • Up to $28.95

 

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