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Credit Card Application




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CO-APPLICANT INFORMATION
NOTE: You do not need to fill out this section unless you are applying for a joint application.








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1 A married Wisconsin resident applying for credit in his/her own name must complete the required spousal information in the co-applicant section. The Issuer may give notice of the opening of any credit account to the applicant’s spouse. If you reside in a community property state, such as AZ, CA, ID, LA, NM, NV, TX, WA or WI, the assets of your marital community will be liable in this account even if you apply for a separate account and this application is not signed by your spouse (unless you attach a statement that you wish to apply for a separate account based solely on your separate assets). If you reside in a community property state, credit extended under this account will be incurred for a community benefit.
FINANCIAL INFORMATION

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*You need not list income from alimony, child support or separate maintenance unless you want it considered for purposes of repaying this obligation.
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*To be considered a complete application, you must come into one of our 9 locations and provide our Customer Service Representative a suitable form of photo identification and/or other necessary identification documents as required by the USA Patriot Act. This online application provides our staff initial information so we may prepare your paperwork prior to your arrival to expedite your account opening process.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) on Purchases and Balance Transfers

12.24% when you open your account, based on your creditworthiness.This APR will vary with the market based on the Prime Rate.
 

APR for Cash Advances 19.99%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 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 $1.50.
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
 
Annual Fee None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None

1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Returned Payment

Up to $15
Up to $20

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

THIS INFORMATION IS ACCURATE AS OF AUGUST 25, 2014 AND MAY CHANGE. To find out what may have changed call us at 800-891-9389, or write to us at: Peoples Trust & Savings Bank Attn: Credit Card Processing 116 W State Street, Jefferson, IA 50129.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) on Purchases and Balance Transfers

8.24% to 19.99% when you open your account, based on your creditworthiness.This APR will vary with the market based on the Prime Rate.
 

APR for Cash Advances 19.99%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 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 $1.50.
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
 
Annual Fee None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None

1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Returned Payment

Up to $15
Up to $20

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

THIS INFORMATION IS ACCURATE AS OF AUGUST 25, 2014 AND MAY CHANGE. To find out what may have changed call us at 800-891-9389, or write to us at: Peoples Trust & Savings Bank Attn: Credit Card Processing 116 W State Street, Jefferson, IA 50129.