Application
DETAILS OF RATE, FEE, FEE, AND OTHER COST INFORMATION As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.
†Annual Percentage Rate (APR) for Purchases 0% Introductory APR applies to Purchases through your first six statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard Variable APR is 18.24% for Visa Signature, Platinum Plus, and Preferred accounts.The Promotional Period will end sooner if your payment is late. See explanation 1 below for Default APR, 2 for Variable-Rate Information, and 3 for Introductory APR information.
Other APRs Balance Transfers : 0% Introductory APR applies to Balance Transfers through your first six statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard Variable APR for Balance Transfers is 18.24%. The Promotional Period will end sooner if your payment is late. See 1,2 and 3 below for explanation. Cash Advances : 0% Introductory APR applies to Direct Deposits that are not processed online (non-online Direct Deposits) and Check Cash Advances through your first six statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard Variable APR for non-online Direct Deposits and Check Cash Advances posted to your account either during the Promotional Period or before August 11, 2007 is 18.24%. Non-online Direct Deposits and Check Cash Advances posted to your account on or after August 11th, 2007 and after the end of the Promotional Period will be subject to the Standard Variable APR for Direct Deposits and Check Cash Advances of 24.24%. The Promotional Period will end sooner if your payment is late. See 1,2 and 3 below for explanation. The Standard Variable APR for Bank and ATM Cash Advances and for online Direct Deposits is 24.24%. See 1 and 2 below for explanation. Non-Promotional Cash Equivalents posted to your account on or after August 11, 2007, will be Cash Advances subject to the Standard Variable APR for Bank and ATM Cash Advances. Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of August 11, 2007, will include fines and bail bonds. See 1 below for explanation.
Variable-Rate Information Your APRs may vary. For each billing cycle, we determine each APR by adding a margin to the prevailing U.S. Prime Rate. The margin for the Standard APR for Purchases and Balance Transfers is 9.99% for Visa Signature accounts, Platinum Plus accounts and Preferred accounts; the margin for the Standard APR for non-online Direct Deposit and Check Cash Advances posted to your account either during the Promotional Period or before August 11, 2007 is 9.99% for Visa Signature accounts, Platinum Plus accounts and Preferred accounts the margin for the Standard APR for non-online Direct Deposits and Check Cash Advances posted to your account on or after August 11, 2007 and after the end of the Promotional Period is 15.99% for both Visa Signature accounts, Platinum Plus accounts and Preferred accounts; the margin for the Standard APR for Bank, ATM, and any other Cash Advances is 15.99%. See 2 below for explanation.
Grace Period for repayment of balance for Purchases At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). See ■ below for explanation.
Annual Fee $90 for Visa Signature and Platinum Plus,$50 for Preferred
Method of computing the balance for Purchases Average Daily Balance (including new transactions).
Transaction fee for Purchases Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted either during the Promotional Period for Purchases or before August 11, 2007: 3% of each such purchase (minimum $10). Non-promotional Cash Equivalents posted to your account on or after August 11, 2007 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted below.
Foreign Transactions Transaction fee for any transaction made in a foreign currency: 3% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee.
Transaction fee for Balance Transfers and Check Cash Advances: None. Transaction fee for Bank and ATM Cash Advances and online Direct Deposits: 3% of each such cash advance (minimum $10 . See 4 below for explanation. Transaction fee for Overdraft Protection Bank Cash Advances (if enrolled): 3% of each such cash advance (minimum $10). Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10). Late-payment fee: Based on your balance as of the day the fee is assessed- $15 if $100 or less; $29 if between $100.01 and $250; $39 if over $250. Over the credit limit fee: For Visa Signature accounts only: None.For Platinum Plus and Preferred accounts: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000. 1 For Visa Signature accounts only : Each time your minimum payment is late (i.e. not received by 5 p.m., ET, on its Payment Due Date), we may increase each of your accounts Variable APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances with Variable APRs then below the Default APR. If a Default APR is applied to your account, then all APRs, including APRs then at or above the Default APR, will no longer vary. For Platinum Plus and Preferred accounts : Each time your minimum payment is late, or the account balance is over the credit limit, we may increase each of your accounts Variable APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances with Variable APRs then below the Default APR. If a Default APR is applied to your account, then all APRs, including APRs then at or above the Default APR, will no longer vary. 2 The U.S. Prime Rate used to determine your APRs for each billing cycle is the highest rate appearing in The Wall Street Journal on the last publication date of the calendar month that ends within that billing cycle. On March 30, 2007, the U.S. Prime Rate was 8.25%.If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off. 3 The Introductory APR is effective upon the opening of your account and does not apply to Bank and ATM Cash Advances. When the Introductory APR expires, the Variable (non-introductory) APR is calculated using the Variable-Rate Information and is applied to new and outstanding balances (consisting of Purchases, Balance Transfers and Cash Advance Checks). If your payment is late or the account balance is over the credit limit, either the Variable APR or the Default APR may be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. The current Variable APR for Purchases, Balance Transfers and Cash Advance Checks is 18.24%. This rate may vary. We reserve the right to change the APRs in our discretion, including, for example, the margins. REMINDER: The 0% APR does not apply to Bank and ATM Cash Advances. ■ The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one Billing Cycle to another. 4 We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the billing statement on which Fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.
I have read this application, and everything I have stated is true. I am at least 18 years old and either a United States citizen or a permanent resident of the U.S., or I am at least 21 years of age and a permanent resident of Puerto Rico. I authorize FIA Card Services, N.A. (hereinafter "you" or "your") to review my credit and employment histories and any other information in order to approve or decline this application, service my account, and manage your relationship with me. I consent to your sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize you to share with others, to the extent permitted by law, such information and its credit experience with me. In addition, I may as a Customer later indicate a preference to exempt my account from some of the information-sharing companies ("opt-out"). If I accept or use an account, I do so subject to the terms of this application, the "Details of Rate, Fee, and Other Cost Information," and the Credit Card Agreement as it may be amended; I also agree to pay all charges incurred under such terms. Any changes I make to the terms of this application will have no effect. I understand that if this application is approved for an account with a credit line of less than $5,000, I will receive a Platinum Plus account. I understand that if this application is approved for an account with a credit line of less than $2,000, I will receive a Preferred account. The benefits for Platinum Plus accounts and Preferred accounts are different from each other and the Visa Signature account. I accept that on a periodic basis my account may be considered for automatic upgrade at your discretion. I consent to and authorize you, any of your affiliates, or your marketing associates to monitor and/or record any of my phone conversations with any of your representatives.
The information contained in this advertisement was accurate as of 4/1/2007. The information may have changed after that date. To find out what may have changed you may contact Bank of America 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. *BALANCE TRANSFERS. If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Transfers are processed as cash advances as described in the Credit Card Agreement. Cash advances incur finance charges from the transaction date. Balance Transfers and Cash Advance Checks are subject to transaction fees in the amount of None of the transaction (minimum $0). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers and/or Cash Advances Checks may not be used to pay off or pay down any account issued by FIA Card Services, N.A. **Certain restrictions apply to each benefit. Details accompany new account materials. Platinum Plus and Preferred card benefits differ from Visa Signature card benefits ( i.e. coverage amounts vary and some benefits are not available.) The MyConcierge sm service is available for personal use of the cardholder, his or her spouse, and dependants under 22. Available by phone or online, 24 hours a day, 7 days a week. Significant terms and conditions apply. You are responsible for the cost of any items or services arranged on your behalf. The MyConcierge service is provided by Les Concierges, Inc. Details accompany new account materials.***Online Banking service is only available in certain states. Total Security Protection claims may be filed against posted and settled transactions subject to dollar limits and verification. Certain exclusions, restrictions, and limitations apply to travel and emergency assistance, automatic auto rental insurance, Purchase Replacement and Purchase Guard. Cash advance fees and finance charges apply to cash advance checks.Authorizations, Terms and Conditions By applying for a credit card with Bank of America, N.A. (USA) ("We", "Us", or "Our"), you agree to the following: 1) You authorize us to obtain credit reports in connection with (a) your request for and our issuance of an account; (b) the collection, review or renewal of your account; and (c) any change to your credit limit or terms of your account. We may report our credit experience with you to others. 2) You are a U.S. Citizen or a permanent resident of the U.S. 3) You will receive a Cardholder Agreement with your credit card(s). The Cardholder Agreement becomes effective and you agree to its terms by either using your account or by not closing your account within three days of receipt of your Cardholder Agreement.
The terms of your account, including the APR, are subject to change. Any such changes will be made in Accordance with the Cardholder Agreement.
4) You certify that you are of legal contracting age and that you have read all of the terms, authorizations and disclosures contained herein. You understand that the information that you provide is given to obtain credit from Us and represent and warrant that it is true and complete. 5) Delaware law will govern your agreement with Us. Disputes, claims or controversies shall upon election by either you or Us be resolved by binding arbitration. (6) The initial line of credit and your initial margins on purchases will be based on information contained in your current credit report and information you provide on your application. The minimum credit line is $500. 7) You authorize us and US Airways to share information about you with each other.◊ The Visa Signature no preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history and your experience with other creditors. Your minimum payment each month will be the amount by which your balance exceeds your revolving credit access line plus your normally due contractual minimum payment. We reserve the right to decline an authorization request for any transaction at any time for any reason. We also may request additional information from you at any time to evaluate a transaction request or your use of the account generally.US Airways Visa Terms and Conditions US Airways Program Rules (all metal levels) 1) Mileage accumulation is subject to the following limitations: Cardholders may accrue up to a maximum of 50,000 Dividend Miles for the Classic credit card, based on net purchases. There is no limit to the number of miles which may be earned using the Visa Signature or Platinum credit card. Cash advances, balance transfers, traveler's checks, overdraft protection and convenience checks do not accrue Dividend Miles. (2) Signature and Platinum cardholders earn double miles on the purchase price of US Airways goods and services purchased directly from US Airways. Double miles do not apply to US Airways Vacations® purchases. (3) A companion certificate will be sent every calendar year you are a cardholder. Visa Signature and Platinum certificates are redeemable for two $99 companion certificates valid for travel in the Continental U.S. or Canada with a purchase of a US Airways ticket (minimum fare purchase of $250). US Airways Classic certificates are redeemable for one $149 companion certificate valid for travel in the Continental U.S. or Canada with the purchase of a US Airways ticket (minimum fare purchase of $250). Additional taxes and fees may apply. (4) US Airways Club $75 discount for Visa Signature or Platinum cardholders applies to a new annual membership and is not combinable with Chairman's Preferred®, Gold Preferred, or Silver Preferred benefits or any other discount offers. Club memberships are not refundable or transferable. (5) US Airways Club pass expires one year from date of issue. Club pass is valid for a one-time visit. (6) When Signature or Platinum cardholders purchase $25,000 or more each calendar year, 10,000 of those miles earned will be counted as Preferred Miles. Preferred Miles will be awarded 6 to 8 weeks after the purchase requirement has been met. (7) Signature and Platinum cardholders will receive special opportunities via email to travel on Dividend Miles awards to US Airways select destinations for 5,000 miles less than standard award redemption levels. Cardholder may take advantage of offer once each calendar year. (8) Your US Airways Visa Card will be automatically entered in the Dividend Miles Dining program and a Welcome Kit will be sent to you explaining your restaurant dining opportunities. Earn up to 11 miles per dollar spent at select restaurants in the U.S. Miles from Dividend Miles Dining will be reflected on your Dividend Miles statement. (9) Signature cardholders earn 20,000 bonus miles, Platinum cardholders earn 10,000 bonus miles and Classic cardholders earn 5,000 bonus miles after you make your first purchase. (10) No preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit access line will be evaluated based on your account spending and payment history and your experience with other creditors. Your minimum payment each month will be the amount by which your balance exceeds your revolving credit access line plus all periodic rate finance charges and unpaid fees plus a fixed amount of $10. We reserve the right to decline an authorization request for any transaction at any time for any reason. We also may request additional information from you at any time to evaluate a transaction request or your use of the account generally. Current US Airways Visa Classic cardholders who upgrade to Platinum or Visa Signature may be charged a pro-rated annual fee. All cardholder benefits are subject to change with or without prior notice. Dividend Miles is a frequent flyer program offered by US Airways and is not a product or program of Bank of America. US Airways is solely responsible for establishing the terms and conditions of your participation (and subsequent mileage accumulation) in the Dividend Miles program. Please note: benefits are subject to change at any time with or without prior notice. Other Dividend Miles terms and conditions apply, including, but not limited to, the number of miles earned on the card.State Law Disclosures Notice to New York State Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon request, we will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports. Notice to Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Notice to Married Wisconsin Residents: No agreement, individual statement, or court order applying to marital property will adversely affect the creditor's interest unless the creditor prior to the time credit is extended is furnished with a copy of the agreement, statement, or order, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Notice to California Residents: Regardless of your marital status, you may apply for credit in your name alone.Visa Signature is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to a license from Visa U.S.A. Inc.Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc.FIA Card Services, N.A., is the issuer and administrator of this credit card program. ©2007 Bank of America Corporation
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