Thank you for choosing the
FNBM VisaŽ Gold Credit Card. Below are the account fees, terms and
conditions. Please print these disclosures and keep
them for your records.
Your initial credit
limit will be $250, $400, $600, or $800. You understand that by making all your
payments on time for six (6) months and maintaining your account in good
standing, you will be eligible for a credit limit increase. In addition, by
submitting this request for an Account Activator you certify that you have read, met,
understand, and agree to the account terms and conditions listed below.
If you have questions after reading these disclosures, please call us at
1-616-382-7788. |
| Annual
Percentage Rate (APR) |
19.8% |
| Enrollment Fee:(one time only) |
$109.95.
Add $20 for Joint Card Member. |
| Annual Membership
Fee |
$90 per
year.(*see explanation below) |
| Grace
Period for Repayment of the Balance for Purchases |
25 days
from billing date when the balance is paid in full each month |
| Method
of Computing the Balance for Purchases |
Average
Daily Balance (including new purchases) |
| Cash
Advance Fee |
$3 or
3% of advance, whichever is greater |
| Minimum
Finance Charge |
$.50
for any billing cycle in which a Finance Charge is due |
| Other
Fees: Late Payment and Over Limit |
$29 each
|
| Closed
Account Maintenance Fees |
$3 per
month after account closure, until paid in full
|
*The annual fee will be billed to the credit card account at $7.50 per month.
Security Deposit
(required to open credit card
account) $200
(can be billed to the credit card or submitted with the Account Activator)
Account Terms: This credit card account ("Account") is offered and
credit cards are issued by FNBM (Las Vegas, Nevada). Additional terms and
conditions will be provided with the Account Activator, and a Card Member
Agreement will be furnished to you with your credit card.
Arbitration: You and we agree that either you or we may, without
the other's consent, require that any dispute between you and us, be submitted to mandatory,
binding arbitration. A more detailed description of this arbitration agreement will be part of the Cardholder
Agreement, which will be sent with your card.
Available
Credit: The Savings Account Deposit of $200, the remaining balance due on
the Enrollment Fee ($20.95), and the first installment of the annual fee ($7.50) will
be charged to the credit card account and will reduce your available credit
until they are paid. These fees will appear on your first billing statement, and
may be paid in full by the payment due date or you may pay in monthly
installments. (You have the option of sending the full amount of the Enrollment
Fee and/or the Savings Deposit when you submit your application.)
Security Deposit: This Account is a partially secured account and
a Savings Account deposit as described above is required to open the Account.
Your Savings Account will partially secure any indebtedness incurred under the
Credit Card Account, and you will grant the Bank a security interest in the
Savings Account in accordance with the Security Agreement contained in the
Account Activator, which will be sent to you. You can make additional deposits
to the savings account in $50 increments, up to $2,500, in order to increase
your credit limit.
Cancellation/Refund Policy: You may cancel your Account and receive a full refund of your Enrollment Fee
if: 1) You cancel within 30 days of the date the Bank receives your Enrollment
Fee and 2) You have not used the Account for purchases or cash advances within
the above 30-day period. Once your Credit Card Account has been used for
purchases or cash advance transactions, the Enrollment Fee is not refundable and
any outstanding balance must be paid in accordance with your Cardholder
Agreement.
Information Sharing: Click here for information on FNBM's Privacy and
Security policy.
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