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CASH BACK REWARDS CREDIT CARD APPLICATION
Initial here if you are applying with a Co-Applicant, I intend to apply for joint credit __________________
APPLICANT
Initials
First Name Middle Initial Last name
Current Street Address Apt/Unit Number City State Zip Code
Mailing Address (if different from current address) Apt/Unit Number City State Zip Code
Rent
Own
$ $
Social Security Number Date of Birth Total Monthly Income
1
Monthly Housing Payment (If none, put $0)
Employer Occupation/Title Number of Years
E-mail Address Home Phone Cell Phone Work Phone
□ $0‒$4,999 $10,000‒$24,999 □ $50,000‒$99,999 □ More than $250,000
Value of your financial assets (retirement accounts, investments, etc.)
□ $5,000‒$9,999 □ $25,000‒$49,999 □ $100,000‒$249,999
Initial here if you are applying with an Applicant, I intend to apply for joint credit _______________
CO-APPLICANT
Initials
First Name Middle Initial Last name Relationship to Applicant
Current Street Address Apt/Unit Number City State Zip Code
Mailing Address (if different from current address) Apt/Unit Number City State Zip Code
Home Phone Cell Phone Work Phone
Rent
$
Own
Social Security Number Date of Birth Total Monthly Income
1
Monthly Housing Payment (If none, put $0)
Employer Occupation/Title Number of Years
Email Address
$
$0‒$4,999 $10,000‒$24,999 □ $50,000‒$99,999 □ More than $250,000
Value of your financial assets (retirement accounts, investments, etc.)
□ $5,000‒$9,999 □ $25,000‒$49,999 □ $100,000‒$249,999
1
Alimony, child support or separate maintenance income need not be provided if you do not wish it to be considered as a basis for repaying this obligation.
MARITAL STATUS
Complete only if you
are a Wisconsin resident.
_________________________________________________________________
Name Relationship to Applicant
Applicant is responsible for charges made by the authorized user on the account.
AUTHORIZED USER
Applicant Married Unmarried Separated
Co-Applicant Married Unmarried Separated
_________________________________________________________________
Account Number Name of Creditor
_________________________________________________________________
Payment Address City State Zip
_________________________________________________________________
Amount of Transfer
$
BALANCE TRANSFER
IMPORTANT APPLICANT 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 will allow us to identify you. We may
also ask to see your driver’s license or other identifying documents.
All applicants must sign. Please read carefully before signing. I/We certify that everything I/we have stated in this application and on any attachments is correct. You may keep this application whether or not it is
approved. By signing below I/we authorize you to check my/our credit and employment history and to answer questions others may ask you about my/our credit record with you. I/We understand that I/we must update
credit information at your request if my/our financial condition changes. I/We acknowledge that I/we read and agree to the terms and conditions described in the enclosed IMPORTANT DISCLOSURES. Notice of
negative information: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults may be reflected in your credit report.
X _____________________________________________________________________ X _____________________________________________________________________
Applicant Signature Date Co-Applicant Signature Date
click to sign
signature
click to edit
click to sign
signature
click to edit
Visa
®
CASH BACK REWARDS Credit Card Terms and Conditions IMPORTANT DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchase
Transactions and Balance
Transfer Transactions
0%
Intro APR for the first 12 months from the date of account opening.
After first 12 months, 12.75% APR.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advance
Transactions and
Convenience Check
Transactions
22.75%
This APR will vary with the market based on the Prime Rate.
Penalty APR
None
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you
interest on Purchase Transactions and Balance Transfer Transactions if you pay your entire
balance by the due date each month.
We will begin charging interest on Cash Advance Transactions and Convenience Checks
Transactions on the posting date.
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
None
Transaction Fees
Cash Advance
Convenience Check
Balance Transfer
International Transaction
Either $5.00 or 3% of the amount of each Cash Advance Transaction, whichever is greater.
Either $5.00 or 3% of the amount of each Convenience Check you write, whichever is greater.
Either $5.00 or 3% of the amount of each Balance Transfer, whichever is greater.
3% of each transaction in U.S. Dollars
Penalty Fees
Late Payment
Returned Payment
Up to $35.00
Up to $35.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
In these Terms and Conditions,you or your” refers to each applicant submitting an application to open a Consumer Credit Card Account (“Account”) and
“we, us and our refers to New Mexico Bank & Trust, d/b/a HTLF Card Services. By submitting this application, you are requesting us to open an Account in
your name and to issue Card(s) as you direct. Please allow 30 days for us to process your application. If you omit any information on the application, we
may deny your request for an Account. After approval, each applicant will have the right to use credit up to the credit limit and will be liable for amounts
extended. If this is a joint application, both applicants will be jointly and severally liable for any and all credit extended from time to time.
THIS OFFER SUPERSEDES ALL PRIOR OFFERS. This offer is only available to U.S. residents that are 18 and older. Credit disclosures contained on this
application were printed on
Such terms and credit disclosures are accurate as of that date and are subject to change. Please contact us for any change in the credit disclosures above
since the application was printed by calling [1-866-260-8708] Toll Free.
Federal law requires us to establish procedures to obtain, verify, and record information that identifies each person who
opens an Account such as your
name, address, date of birth,
and other information that will allow us to identify you. We may also ask for other identifying documents.
You promise that the information you provide on this application is accurate and complete. You authorize us to verify this information and to obtain reports
from consumer reporting agencies. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtained a
consumer report relating to you. You agree that inquiries may be made to verify information and that credit references or verification may be given based
on inquiries from other parties. This offer is subject to the credit policies of this institution.
Notice of Negative Information: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report.
By providing your phone numbers, you agree that we or companies working on our behalf to service your account may call you at these numbers. If this is a
cell phone number, you agree that we may contact you using automatic dialer, including pre-recorded messages and/or text messages, even if your cell
phone provider may charge you for calls according to your current plan. You may contact us anytime to change these preferences. You authorize us and
our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law.
Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interest and/or
rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement or statement or
decree or have actual knowledge of the adverse provision. You agree that any credit granted will be used in the interest of your marriage or family. If your
application is approved, you will notify us if you have a spouse who needs to receive notification that credit has been extended to you.
New York Residents: You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information
on comparative credit card rates, fees and grace periods.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit
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August 13, 2020
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reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law
California Residents: If married, you may apply for a separate account.
Card Program: If an Account is opened, you will receive either a Signature or Platinum card based on your approved credit limit. If approved for a credit limit
of $5,000 or more, you will receive a Signature card. If you are approved for a credit limit less than $5,000, you will receive a Platinum card. You will receive
a Cardholder Agreement and approval letter with the details about your card costs and terms. The Cardholder Agreement and the Account are governed by
New Mexico and federal law. The terms of your account are subject to change, to the extent permitted by law and in accordance with the Cardholder
Agreement. You agree to the terms of the Cardholder Agreement by: using the Account or any Card, authorizing their use, or making any payment on the
Account.
Rewards Program: The Rewards Program is subject to the current Rewards Program Terms and Conditions that can be viewed online at
www.Savvy-
Rewards.com.
Card Benefits. Certain restrictions apply to each benefit. Card benefits for Visa® Platinum Cards differ from card benefits for Visa® Signature Cards
(differences may include but are not limited to variances in coverage amounts and availability of certain benefits). W hen your Account is opened, details
regarding your Card benefits will be sent to you along with your Card.
Balance Transfers: Total balance transfers may not exceed the credit limit assigned. Balance transfers do not qualify for the Rewards Program. You may
not transfer an existing balance on any account issued by HTLF Card Services or any of its affiliates.
ARBITRATION: The Cardholder Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in
court or resolved by a jury, and to participate in a class action or similar proceeding. You may opt out of the arbitration provision within 60 days after the
Cardholder Agreement is provided to you. Arbitration provisions do not apply to members of the Armed Forces and their dependents.
SECURITY INTEREST: By agreeing to the terms of the Cardholder Agreement, you hereby grant to us and our affiliates to whom we may transfer the
receivables associated with your Account a consensual security interest in all individual and joint accounts you have now and in the future may have with us
or affiliates that have an interest in the receivables associated with your Account, to secure repayment of credit extensions made under the Cardholder
Agreement. You understand the granting of this security interest is a condition for the issuance of any Card associated with the Account used to obtain
extensions of credit under the Cardholder Agreement. Shares and deposits in Individual Retirement Accounts or any other account that would lose special
tax treatment under state or federal law if given as security are not subject to the security interest the undersigned are granting.
IMPORTANT INFORMATION ABOUT ADDING AN AUTHORIZED USER
: You must pay us for all charges made or allowed by the authorized user. Authorized users
are able to get account information and copies of statements. Before adding him/her to your account you must let the authorized user know that we may report account
performance to the credit reporting agencies in the authorized user’s name. You also need the authorized user’s permission to give us any information about him/her
that we request and to allow us to share information about him/her.
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