Tioga State Bank Visa Select Rewards Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

17.74

17.74%

20.74%

APR:

20.99% Variable

23.99% Variable

APR Floor:

None

Intro Rate:

0%

0.00%

N/A

Intro Period:

6 billing cycles

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

24 - 30 days

Default/Penalty APR:

Unknown

Default/Penalty Margin:

Unknown

Default/Penalty APR Floor:

Unknown

Maximum Default APR:

Penalty/Default Trigger:

Unknown

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

See Special Notes

Over-the-limit Fee:

Up to $35 max.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

1% unlimited cash back. Earn one point for every net dollar spent. Roundtrip airline ticket at 25,000 points. The richest travel, gift certificates, and merchandise rewards. Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit. Redeem for travel on any airline without frequent flyer program restrictions.

Special Notes:

Applicant must be 18 years of age and have a U.S. address and Social Security number. Foreign Transaction: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The card issuer will not charge you interest on Purchases if you pay your entire balance by the due date each month. Overdraft protection is not available on all products. Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater for the first 6 billing cycles. After that, either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance fee is either $10 or 4% of the advance amount, whichever is greater.

Card Issued By:

Elan Financial Services for Tioga State Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Classic/Standard

Card Category:

Airlines, Balance Transfer, Cash Back, Low Interest, Low Intro Rate, Reward

States Available In:

ALL