Credit Card Disclosures

Review the Rules that Govern Your Credit Card.

Get familiar with the rates, fees and policies of your credit card.

Badlands Visa & MasterCard Credit Card Disclosures

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) for Purchases, Convenience Checks, and Balance Transfers

14.88%

APR for Cash Advances

18%

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases, convenience checks, and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.

If you are charged interest, the charge will be no less than $1.

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.

Payment Information

All payments made on a Business charge card are due when the periodic statement is received.

FEES

Annual Fee

None

Transaction Fees

* Cash Advance

*Foreign Transaction

 

Either $5 or 3% of the amount of each cash advance, whichever is greater.

Up to 1% of each transaction in U.S. Dollars.

Penalty Fees

*Late Payment

*Returned Payment

 

Up to $35

Up to $29

First Platinum Visa Disclosures

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) for Purchases, Convenience Checks, and Balance Transfers

9.99%.

APR for Cash Advances

18.00%

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases, convenience checks, and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1

For Credit Card Tips from the Federal Reserve Board

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

Annual Fee

None

Transaction Fees


*Cash Advance



*Foreign Transaction

 


Either $5 or 3% of the amount of each cash advance, whichever is greater.



Up to 1%of each transaction in U.S. dollars.

Penalty Fees


*Late Payment


*Returned Payment

 

Up to $35



Up to $29

Visa Business Credit Card Disclosures

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) for Purchases and Balance Transfers

9.99%

APR for Cash Advances

18%

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.

For Credit Card Tips from the Federal Reserve Board

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

Annual Fee

$35

Transaction Fees

*Cash Advance

*Foreign Transaction

 

Either $5 or 3% of the amount of each cash advance, whichever is greater.

Up to 1% of each transaction in U.S. dollars.

Penalty Fees

*Late Payment

*Returned Payment

 

Up to $35

Up to $35