Credit Tips: Union Planters Platinum Mastercard / Visa

Posted On: October 1, 2004

Author: NightStar,Credit Expert (100+ Posts)
Joined: 07 Nov 2003
Posts: 1699
Location: Illinois
Posted: Sun Nov 16, 2003 6:22 pm
Post subject: Union Planters:

http://www.unionplanters.com/
WorldPointsSM Rewards Platinum Plus Mastercard / Visa

Annual Fee None Annual Percentage Rate (APR) for Purchases 10.99% †Other APRs The APR for Bank and ATM Cash Advances 10.99% 2.9%

Introductory APR for Balance Transfers and Cash Advance Checks through your first six statement closing dates, or earlier if your payment is late; after that, 10.99%. See explanation below.

Grace period for repayment of balance for Purchases At least 25 days from the statement Closing Date (provided you have paid in full the New Balance Total from the previous statement by its Payment Due Date).

Method of computing the balance for Purchases Average Daily Balance (including new transactions). Transaction fees for Cash Advances and fees for paying late or exceeding the credit limit Transaction fee for Bank and ATM cash advances; 3% of each cash advance (minimum $5).

Transaction fee for cash advance checks and balance transfers: 3% of each cash advance (minimum $10, maximum $75).

Late-payment fee: Based on your balance on the business day after the Payment Due Date - $15 if $100 or less; $29 if between $100.01 and $1000; $39 if over $1000. Over-the-credit-limit fee: Based on your balance as of each statement Closing Date - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000. Transaction fee for Purchases Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, and casino gaming chips: 3% of each such purchase (minimum $5).

The Introductory APR is effective upon the opening of your account. When your minimum monthly payment is late (i.e., not received by 2 p.m., ET, on its Payment Due Date), or when the Introductory APR expires, the non-introductory APR is applied to new and outstanding balances (consisting of balance transfer and cash advance check transactions). If your payment is late, the non-introductory APR is applied to those balances as of the first day of the billing cycle in which the payment was late or not received. The non-introductory APR for your account may change. MBNA allocates your payments to balances (including new transactions) with lower APRs before balances with higher APRs.

**Certain restrictions apply to these and other benefits as described in the benefits brochures sent soon after your account is opened. Preferred card benefits differ from Platinum Plus benefits (e.g., coverage amounts vary and some benefits are not available).

§ WorldPointsSM Rewards Highlights - refer to site for further detail: TRAVEL REWARDS MERCHANDISE & GIFT CARD/CERTIFICATE REWARDS CASH REWARDS GENERAL

The information contained in this advertisement was accurate as of 11/1/2003. The information may have changed after that date. To find out what may have changed you may contact MBNA America Bank, N.A., for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850. TTY users, please call 1-800-833-6262.

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