Security
EssentialsVisa Classic & VISA Gold Credit Cards
Credit Disclosures |
Classic Card
4.9% fixed for 6 months then 14.13%* thereafter
Gold Card
2.9% fixed for 6 months then 11.90%* thereafter
Classic Card: The APR is adjusted monthly and is determined by adding 8.88% to the Wall Street Journal Prime Rate.
Gold Card: The APR is adjusted monthly and is determined by adding 6.65% to the Wall Street Journal Prime Rate.
The Wall Street Journal Prime Rate published on the last business day of each month is used to calculate the rate.
• Cash/Advances: 18% fixed rate (includes Quasi Cash Advances**)
• Penalty APR: 18% fixed if twice delinquent in any 6 month period or on closed accounts***
25 days grace period on purchases on average after card statement date
Average Daily Balance (including new purchases)
$1 only in statement cycles when interest is due
3% of the advance ($5 min. and $30 max., includes Quasi Cash Advances**)
$0 for the first year and every year that you charge at least one purchase to the account. Otherwise; $5.00 for each month of inactivity.
Late Fee: $30
Over Limit Fee: $30 per occurrence
Return Check Fee: $30
Foreign Exchange Factor: 2% of the transaction amount in a foreign currency.
None
*The information listed above is correct as of 10-26-07 and is subject to change at anytime without prior notice. Advance Notice will be provided to current customers as required by law.
To receive the most recent information past this date, please contact CoreFirst Bank & Trust in Topeka, Kansas at (785) 267-8900 or write us at PO Box 5049, Topeka Ks., 66605-9902.
**"Quasi Cash Advance" transactions are monetary transactions posting to your account which are not "purchase" transactions and include but are not limited to wire transfers, foreign currency, traveler's checks, money orders, remote stored value, and purchase of gaming chips.
***Penalty APR applied if delinquent twice in any 6-month period or if account is closed with an outstanding balance.
Services & Benefits |
• No Annual Fee
With CoreFirst Bank & Trust VISA, VISA Gold cards.
Secured cards require an annual fee.
• Use Everywhere VISA Credit Cards are Accepted
CoreFirst Bank & Trust credit cards can be used at millions of VISA credit card merchants.
• Emercency Cash Disbursement & Card Replacement
Anywhere in the world, you can receive emergency replacement cards and/or cash, 24 hours a day, 365 days a year.
If your card is lost or stolen, we'll arrange direct delivery of a new card or emergency cash as soon as the
next business day.
• Auto Rental Insurance*
Save on car rentals that may include collision coverage.
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Available Worldwide.
Coverage for vehicle damage up to the full value of most cars rented using your VISA Card.
At no cost to customer.
• 24-Hour Cash Advance
Receive a credit card advance any time, day or night wherever you travel worldwide through "Telly,"
CIRRUS, Interlink, Star and VISA automated teller machine networks.
• 25-Day, No-Interest-Charge Grace Period on New Purchases
You pay no finance charges on your purchases, if you pay your balance in full by the due date.
• In-House Credit Card Department
CoreFirst Bank & Trust has our own "in-house" Credit Card Department. "In-house" means your account
remains in Topeka and is serviced by CoreFirst Bank & Trust.
• $150,000 Travel Accident Insurance Benefit*
$300 Baggage Delay Benefit.
At no cost to customer.
• Easy Payment
You make your CoreFirst Credit Card payments at any CoreFirst Teller window, any "Telly" location, by mail, through CBIL,
by Internet Banking, or by an automatic transfer from your checking account. Whichever is the most convenient for you.
• Zero Liability
With VISA's Zero Liability policy,** cardholders have no liability for unauthorized use of
their cards or account information.
**U.S.-issued cards only. VISA's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by VISA. See Cardholder Agreement for more details.