credit card application
Note: This credit card application is for Plains Commerce Bank customers who have a prior established relationship with us other than a credit card.
Customer Service: 1-800-777-7735
Now you can enjoy the world's most respected credit cards and deal with hometown friends you know and trust.
Introducing Plains Commerce Bank Visa/MasterCard. If you have a question, we're here to answer it. If you need a cash advance, we'll take care of it. And best of all, you'll be dealing with a bank you know and trust. Hometown professionals who believe in working together to build a stronger community. Over the years your needs have changed. And we've grown to help meet those needs. We're proud to offer Visa/MasterCard as part of a continuing program designed to meet your growing financial needs.
To apply for your credit card, fill out the following information, select the print button on bottom to print, sign and initial. Then return your application to a Plains Commerce Bank near you or mail to us at PO Box 38, Hoven, SD 57450.
Choose your card: (only one) VISA® Gold VISA® MasterCard®
Check Account Choice: (only one)
Individual Account Joint Account Credit Limit Increase
applicant
Last Name Street Address Previous Address Employer Address Source of additional income * First Name
Note: All sections should be filled out completely. If not, processing of your application may be delayed.
Middle Name City City Self Employed: Yes No
Social Security # State State Zip Zip
Date of Birth Home Telephone Home Telephone Telephone
No. of Dependents How Long (yrs) How Long (yrs) How Long (yrs)
Income-(gross mnthly) City State Amount/Month Zip Own
Mother's Maiden Name (for security purposes) Rent Other Monthly Payment
* You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluating your application.
joint applicant
Last Name Previous Address Street Address Employer Address Source of additional income * First Name
Provide the following information only if joint applicant.
Middle Name City City Self Employed: Yes No
Social Security # State State Zip Zip
Date of Birth Home Telephone Home Telephone Telephone
No. of Dependents How Long (yrs) How Long (yrs) How Long (yrs)
Income-(gross mnthly) City State Amount/Month Zip Own
Mother's Maiden Name (for security purposes) Rent Other Monthly Payment
* You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluating your application.
credit information
Bank Name Checking Account Number
Attach additional sheet if necessary. Loans Street Address City State Zip Branch Name(s) Listed Balance Monthly Payment Open Closed
Name(s) Listed Bank Name & Address
Savings Account Number Name on account Account Number
Automobile Home Mortgage Bank Credit Card Other Other
Member FDIC
|
Equal Housing Lender
credit disclosures
Annual percentage rate (APR) 12% for purchases
Other APR's
Grace period for repayment of balances for purchases
Cash Advance APR 12% 25 days (on average) Average daily balance including new purchases None None Greater of $2 or 2% of cash advance Greater of $20 or 5% of amount past due Greater of $20 or 5% of over-limit amount
Method of computing the balance for purchases Annual fee Minimum finance charge Transaction fee for cash advance Late payment fee Over-the-credit-limit fee
Returned check fee-$20. This fee will be included in your average daily balance and accrues finance charge. Grace period for cash advance - none. At the date this application was printed (shown in lower right-hand corner) the information listed above was accurate. Because rates and terms are subject to change, you may contact us for the current information by writing to Plains Commerce Bank, PO Box 38, Hoven, SD 57450.
important information
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account we will ask for your name, address, date of birth, and other information that allows us to identify you. We may also ask to see your driver's license or other identifying documents.
finance charges
No periodic Finance Charge will be assessed against purchases if you have paid (we receive) the full New Balance shown on your statement by the Payment Date (25 days on average from billing). If we do not receive the entire New Balance by the Payment Due Date, periodic Finance Charges will accrue on all purchases, and other fees and charges from the day they were posted to your account. Finance Charges will accrue on Cash Advances from the transaction date of the Cash Advance or the first day of the billing cycle in which the Cash Advance posts to your account until paid in full. When a Cash Advance is posted to your account there is a one-time Finance Charge for each Cash Advance posted of $2.00 or 2% of the Cash Advance amount, whichever is greater. The Finance Charge is determined by multiplying the “Average Daily Balance” for Purchases and the Cash Advances outstanding during the monthly billing cycle by the monthly “Periodic Rate.” The monthly “Periodic Rate” is 1% which is equivalent to an Annual Percentage Rate of 12%. The “Average Daily Balance” is computed by taking the beginning balance of your account on each day, calculated separately for Purchases and Cash Advances, adding new purchases and/or cash advances and subtracting any payments or credits to get each day's daily balance. The daily balances are then added together and divided by the number of days in the billing cycle to get the “Average Daily Balance.” You may pay all or any portion of your unpaid account balance at any time without incurring any special or extra Finance Charge.
your billing rights
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL.
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Reporting Act. If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us soon as possible. We must hear from you no later then 60 days after we sent you the first bill in which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter give us the following information: · Your name and account number. · The dollar amount of the suspected error. · Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us 3 business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse pay, we must tell anyone we report you to that you a question about your bill. And, we must tell you the name of anyone we report you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can not collect the first $50 of the questioned amount, even if your bill was correct. SPECIAL RULES FOR CREDIT CARD PURCHASES If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.
signature(s)
PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This application is submitted to obtain credit and I/we certify that all information herein is true and complete. I/We authorize Plains Commerce Bank to check my/our credit report from time to time. This offer is subject to the credit policies of this institution. I/We agree to be bound by the terms and conditions of the credit card agreement and the disclosures provided to me/us on the card carrier upon receipt of my/our credit card. Receipt of such agreement and acceptance of such terms to be conclusively presumed by the applicant's or joint applicant's use of the card. I/We agree not to use this card for any unlawful purpose, including the purchase of goods or services, prohibited by local law applicable in my/our jurisdiction. If this is a joint application, we shall be jointly and severally liable for any and all credit extended from time to time.
x
Applicant Signature
Date
x x
Joint Applicant Signature
Date
If applying for a joint account, complete all sections providing information about the joint applicant and initial below. We intend to apply for joint credit. for internal use only
VISA Account Number date approved number of cards credit line pro. code approved by MasterCard Account Number date approved number of cards credit line pro. code approved by 1/06
x
Applicant Initials
Joint Applicant Initials
Print Form