Visa/MasterCard Credit Card Application (Choose one of the following)
Visa Classic MasterCard Standard Gold MasterCard Visa Platinum Rewards Please Initial:
No Annual Fee* No Annual Fee* with Cash Back2 No Annual Fee* ______ I wish to apply for an individual
Variable Rate Variable Rate No Annual Fee* Variable Rate account in my own name and am relying
0% Introductory Rate 0% Introductory Rate Variable Rate 0% Introductory Rate solely on my own income, assets and
0% Introductory Rate credit information.
Please Note: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who ______ & ______ We wish to apply for a joint
account and joint applicant is supplying
opens an account. Therefore, we will ask for your name, address, date of birth, and other information which allows us to identify you.
the information on this application.
Application Information
Last Name First Name: Middle Initial:
Street Address: City: State: Zip Code:
Social Security Number (required): Date of Birth: Home Phone:
Name of Employer/Business: Position: Length of Employment:
Gross Monthly Income: Business Phone:
Co-Applicant Information
If applying with a co-applicant please complete the following information and sign below:
Last Name First Name: Middle Initial:
Street Address: City: State: Zip Code:
Social Security Number (required): Date of Birth: Home Phone:
Name of Employer/Business: Position: Length of Employment:
Gross Monthly Income: Business Phone:
REQUIRED SIGNATURES FOR CREDIT CARD: This application is submitted to open the account(s) and to obtain the credit requested. I/we certify that all the information herein is true and complete and authorize Quad City Bank
and Trust “Bank” to check my/our credit, employment history, and deposit accounts before offering the credit applied for in this application to the undersigned and thereafter for future evaluations of approved credit lines and any
modifications or renewals of credit terms. The Bank is also authorized to exchange credit information with consumer reporting agencies and other financial institutions and, if requested, will provide their names and addresses to
the applicant(s). I acknowledge that I will be individually liable (or, for joint accounts, individually and jointly liable) for all authorized charges and fees as referred to in the most recent Cardholder Disclosure.
X X
Signature of Applicant Date Signature of Co-Applicant Date
Summary of Card Account Terms
Classic Visa Standard MasterCard Visa Platinum Rewards MasterCard Gold Cash Back2
Introductory Rate
The introductory rate will be 0%
Annual Percentage Rate (APR) for first 120 days
after account opening for purchases and balance transfers3.
Annual Fee* None the first year and every year thereafter if at least four purchases per year are made. Otherwise, $20.
Annual Percentage Rate (APR) A variable rate of: A variable rate of: A variable rate of: A variable rate of:
for Purchases
14.20% 14.20% 15.20% 16.20%
Variable Rate Your Rate May Vary. Your Rate May Vary. Your Rate May Vary. Your Rate May Vary.
Information The rate is a Prime Rate1 The rate is a Prime Rate1 The rate is a Prime Rate1 The rate is a Prime Rate1
+ 5.95%., adjusted quarterly + 5.95%., adjusted quarterly + 6.95%., adjusted quarterly + 7.95%., adjusted quarterly
Other APRs Cash advances receive a Prime Rate1 + 11.95% (currently 20.20%)
Grace Period for Cash Advances None None None None
Grace Period No finance charge will be assessed on purchases if payment is received in full within 25 days of the prior billing period closing date.
Method for Computing Average daily balance method (including new purchases).
Balances for Purchases
Minimum or Fixed $0.50 Minimum Finance Charge.
Finance Charge
Other Fees • Returned Check Fee: $15 • Late Payment Fee: $15 • Overlimit Fee: $15
1
The Prime rate used to determine your APR is a variable rate adjusted quarterly based on the highest prime rate as published in the Wall Street Journal, Midwest Edition, on the 2nd Tuesday of March, June, September, and December, with the rate change taking effect the following month.
2
Cash rebate is calculated and paid in February of each year. Certain details and exclusions may apply. Details will be provided when you become a card member.
3
Transferring of balances from your existing MasterCard or Visa processor does not close the pre-existing account. To close any existing MasterCard or Visa accounts, you must contact the provider.
State laws require the following notices: California Residents: Married applicants may apply for separate credit. New York Residents: May contact the New York State Banking Department at 1-800-522-3330 to obtain a comparative listing of credit card rates, fees and grace periods. Ohio Residents: The Ohio law against discrimination
requires that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: No provision of any marital property
agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. In addition, you must send us the name and address
of your spouse within 15 days to Bancard Center, P.O. Box 870, Moline, IL 61266.
Residents of Illinois may contact the Illinois Commissioner of Banks and Trust Companies for comparative information on interest rates, charges, fees and grace periods. Telephone 1-800-643-5452. Address: State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791.
The information described in this Statement of Terms is accurate as of 4/1/2007 and may change after that date. To find out what may have changed, contact us at 877-954-0190 or P.O. Box 870, Moline, IL 61266.