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Int Finance

In: Business and Management

Submitted By john3838
Words 2472
Pages 10
10/3/13

Secure Credit Card Application - Barclaycard

Legal Terms and Conditions
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

22.99%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

22.99% This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

25.24% This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 27.24%, based on your creditworthiness. This APR may be applied to your account if you make a late payment. This APR will vary with the market based on the Prime Rate. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00 ($0.50 for residents of Iowa at time of account opening).

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 at http://www.consumerfinance.gov/learnmore.

Fees Annual Fee $0

Transaction Fees:

Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater.

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:

Late Payment

Up to $35 (the amount of the fee varies by state, see below)

Over-­the-­Credit-­Line

$0

Returned Payment

Up to $35 (the amount of the fee varies by state, see below)

How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”. If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”. Terms and Conditions Continued: Fees that Vary by State: Late Payment Fee: Up to $35 (Up to $15 for residents of Iowa at time of account opening). Returned Payment: Up to $35 (Up to $15 for residents of Iowa at time of account opening). The Annual Percentage Rate (APR) For Your Initial Apple Purchase(s) 1. If your total Apple purchases made within the first 30 days equal less than $499.00**: Qualifying Apple purchases that post to your account for less than $499 (a “Deferred Financing Purchase”) will receive a 180 day (approximately 6 months) no https://www.barclaycardus.com/apply/Application.action 1/3

10/3/13

Secure Credit Card Application - Barclaycard

interest /deferred financing promotion for which interest will be deferred for 180 days provided that timely payments are made on the account and the Deferred Financing Purchase is paid in full on or before the 180th day after the applicable purchase date (such end date the “Promotional End Date”). If the Deferred Financing Purchase is not paid in full by the Promotional End Date or if you make a late payment, interest charges will be assessed for the entire promotional period at the then applicable rate for Purchases during the promotional period (currently 22.99%). This APR will vary with the market based on the Prime Rate. 2. If your total Apple purchases made within the first 30 days are greater than or equal to $499.00** but less than $999.00**: Qualifying Apple purchases that post to your account for $499-­$999 (a “Deferred Financing Purchase”) will receive a 365 day (approximately 12 months) no interest /deferred financing promotion for which interest will be deferred for 365 days provided that timely payments are made on the account and the Deferred Financing Purchase is paid in full on or before the 365th day after the applicable purchase date (such end date the “Promotional End Date”). If the Deferred Financing Purchase is not paid in full by the Promotional End Date or if you make a late payment, interest charges will be assessed for the entire promotional period at the then applicable rate for Purchases during the promotional period (currently 22.99%). This APR will vary with the market based on the Prime Rate. 3. If your total Apple purchases made within the first 30 days equal $999.00 or more**: Qualifying Apple purchases that post to your account for $999 or more (a “Deferred Financing Purchase”) will receive a 540 day (approximately 18 months) no interest /deferred financing promotion for which interest will be deferred for 540 days provided that timely payments are made on the account and the Deferred Financing Purchase is paid in full on or before the 540th day after the applicable purchase date (such end date the “Promotional End Date”). If the Deferred Financing Purchase is not paid in full by the Promotional End Date or if you make a late payment, interest charges will be assessed for the entire promotional period at the then applicable rate for Purchases during the promotional period (currently 22.99%). This APR will vary with the market based on the Prime Rate. 4. **What is a Qualifying Apple Purchase: The promotional financing offer applies to purchases made only at the Apple Online Store, Apple Retail Store or 1-­ 800-­MY-­APPLE within the first 30 days of account opening. **IMPORTANT : Purchases made at www.apple.com, Apple Retail Stores or 1-­800-­MY-­APPLE are billed to your account when the merchandise is available and shipped to you. If a partial order that is shipped and billed to your account is an amount that is less than $999 then your account will not initially be given the 18 month promotional deferred interest offer and instead your initial statements will reflect the promotional offer described above for a transaction that is less than $999. Barclaycard will monitor your account and will aggregate the total dollar amount spent at www.apple.com, Apple Retail Stores or 1-­800-­MY-­APPLE within the first 30 days after the opening of your new account. If it is determined that the amount is $999 or more, you will receive the 18 month deferred financing promotional offer on all qualifying Apple purchases. If the total amount is greater than or equal to $499 and less than $999, you will receive the 12 month deferred financing promotional offer on all qualifying Apple purchases. If the total amount is less than $499, you will receive the 6 month deferred financing promotional offer on all qualifying Apple purchases. This adjustment will occur no later than your 2nd or 3rd billing statement. Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement. About This Offer: You must be at least 18 years of age. This offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories, and may not be available if you already have or have had an account with us. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may be unable to open an account for you. About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license. Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account. About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line;; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms. How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 08/01/2013 using a Prime Rate of 3.25%. Important Information About Procedures for Opening a New Account: 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 to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for your country of citizenship. Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-­end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY. Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-­recorded messages or text messages. Standard text messaging and/or calling charges may apply. Balance Transfers. Here's How it Works: To request a balance transfer please enter the 15/16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. If the total amount you request exceeds the assigned credit line on your new account, we may either decline the request or send a partial payment to your creditor(s). The amount of available credit on your new account will be reduced by the amount transferred and the related balance transfer fees. We reserve the right to decline to process any requested balance transfer. We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights. Upon approval of your application we will process the requested balance transfer payment to the account(s) which you have requested on the 10th day after we’ve mailed you your card;; during this 10 day time period you may cancel your balance transfer by contacting us at the number on the back of your card. A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the https://www.barclaycardus.com/apply/Application.action 2/3

10/3/13

Secure Credit Card Application - Barclaycard

other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved. Balance transfers are subject to availability. We may deny your balance transfer requests at any time and for any reason. Paying Interest on Balance Transfers and Cash Advances: We charge interest on balance transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues. Cash Equivalent Purchases: The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see the Cardmember Agreement that will accompany your credit card upon account opening for more details. The information contained in these disclosures is accurate as of 08/01/2013 and may change after this date. Information Sharing: Barclays' Privacy Policy is available online at www.BarclaycardUS.com. In addition, Apple and Barclays may share my name, contact information and experiential and transaction information, as well as information necessary to administer the Barclaycard with iTunes Rewards in conjunction with the Barclaycard with iTunes Rewards Visa Card.

https://www.barclaycardus.com/apply/Application.action

3/3

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