Pet Rewards™ Platinum Plus Visa® Credit Card 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%.The Promotional Period will end sooner if your payment is late or the account balance is over the credit limit. 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 or the account balance is over the credit limit. 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 or the account balance is over the credit limit. See 1,2 and 3 below for explanation. The Standard Variable APR for Bank and ATM Cash Advances is: 24.24%. 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. Default APR : Up to 29.99% for all Purchase, Balance Transfer, and Cash Advance balances if late or overlimit. 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%; the margin for the Standard 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 9.99% and 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%; 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 None.
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 of each such cash advance (minimum $0 ). See 4 below for explanation. Transaction fee for Bank and ATM Cash Advances and online Direct Deposits: 3% of each such cash advance (minimum $10 ). 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: 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 Each time your minimum payment is late ( i.e. , not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over-the-credit-limit, we may increase each of your account's Variable APRs up to the Default APR. The Default APR may 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, or online Direct Deposits. When a Promotional Period ends, the Standard Variable APR is calculated using the Variable-Rate Information and is applied to new and outstanding balances (consisting of Purchases, Balance Transfers, non-online Direct Deposits, and Check Cash Advances). If your payment is late or the account balance is over the credit limit, either the Standard Variable APR or the Default APR will 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 Standard Variable APR for Purchases and Balance Transfers is 18.24%. The current 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%. The current Standard Variable 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 24.24%. These rates may vary. We reserve the right to change the APRs in out discretion, including, for example, margins. ■ 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 of age 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 your 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 with other 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 accept that on a periodic basis an 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. Preferred card benefits differ from Platinum Plus benefits (e.g. , coverage amounts vary and some benefits are not available).***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 Hill's Pet Nutrition, Inc. to share information about you with each other. PetRewards Program Rules These Program Terms and Conditions describe the rules that will apply to the rewards feature of your PetRewards Visa credit card. In these Program Terms and Conditions, "we," "us," and Bank of America shall mean Bank of America, N.A. (USA), the issuer of the PetRewards Visa Credit Card ("Rewards Card") and administrator of this rewards program. "You" shall mean the primary cardholder of the PetRewards Visa credit card account ("Account"). You will automatically earn points toward rewards by using your PetRewards Visa Card ("Program") as described here. Your participation in the Program is subject to the terms and conditions of these Program Terms and Conditions ("Rules"). By using your PetRewards Visa Account you agree to the terms of this Program. Hill’s Pet Nutrition, Inc. is the provider of the PetRewards Redemption Rewards. Please read and retain these Rules. Rewards Program Points. Under the Program, you will earn two (2) PetRewards Points for each dollar you spend in net retail purchases (purchases less credits, returns, and adjustments) at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores and one (1) PetRewards Point for each dollar you spend in net retail purchases using your PetRewards Card, including charges for Bank of America’s optional Cardholder Security Plan®. The maximum number of PetRewards Points that can be earned in a calendar year is 100,000; however, there is no limit to the number of PetRewards Points that can be redeemed within a year. From time to time, we may offer special rewards opportunities for limited time periods. Additional terms and conditions may apply to such programs. We will communicate special promotions on your monthly statement, at www.petrewards.bankofamerica.com, www.hillspet.com and/or via other communication vehicles. The PetRewards Points you earn will accrue monthly and appear on your monthly Account billing statement in the billing cycle in which they were earned. Your purchase amounts will be rounded up to the nearest whole dollar when we calculate the PetRewards Points earned. PetRewards Points will expire 36 cycles from the original billing period. PetRewards Points will be redeemed on a first in first out basis. PetRewards Points are not the property of the cardholder and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter). PetRewards Points are not transferable or redeemable for cash and cannot be offset against any amount owed on your Account. PetRewards Points from multiple accounts cannot be combined. Bank of America reserves the right to increase or decrease, without notice, the points required for individual items; this right includes corrections due to printing errors. PetRewards Points are deducted for any purchase of goods or services which is returned (or otherwise the subject of a credit). PetRewards Points are deducted for any purchase of goods or services which becomes the subject of a dispute unless and until final resolution of the dispute results in a debit to your Account. No PetRewards Points will be earned, or points previously earned will be deducted, with respect to transactions made with lost, canceled, stolen or fraudulent Bank of America credit cards, draft checks, or accounts. In the event that an adjustment to your PetRewards Points total means that you received a reward that you were not otherwise entitled to under the Program, you agree to forfeit all future PetRewards Points earnings until such time as sufficient PetRewards Points are accrued to cover the reward. We have the right to change, suspend or terminate any or all rules or offers of this Program at any time. We also have the right to add, eliminate or modify any specific PetRewards Point award rates or levels. PetRewards Points will be forfeited if your account is in one of the following statuses: charged off, bankrupt, credit counseling, credit revoked or closed. PetRewards Point discrepancies must be brought to Bank of America’s attention promptly but in no event later than 60 days from the date of the transaction for which an adjustment is sought. Otherwise, PetRewards Points earned will be deemed accurate and you will have waived all claims for adjustment. PetRewards Point discrepancies do not constitute billing errors on your Account and payments on your Account are due as provided in your Cardholder Agreement.
Qualifying Purchases. Unless we specify otherwise, you will NOT earn PetRewards Points on: cash advances, convenience checks, balance transfers, finance charges, fees (including late-payment fees, over-limit fees, annual maintenance fees and returned check fees), payments, money order purchases, traveler’s cheques, over draft protection transactions, insurance charges , unauthorized charges, quasi-cash and ATM transactions. Any questions as to what constitutes an eligible charge shall be resolved at the sole discretion of Bank of America. You will NOT earn PetRewards Points on credits or returns to your Account and the PetRewards Points balance on your Account will be reduced by the amount of any credit or return. Participation in Program. If for 60 or more days your Account is delinquent, past due or over its credit limit, you will not earn additional PetRewards Points until your Account becomes current and in good standing. You will NOT receive retroactive PetRewards Points for charges on your Account that were made during such delinquent, past due or over limit period. Also, you will NOT earn PetRewards Points if you are in default of your Cardholder Agreement for any other reason, such as bankruptcy, charge-off, litigation involving your account, credit counseling, or your account is suspended for fraud or security reasons. Points Redemption. PetRewards Points may be redeemed by the primary cardholder for rewards via the online PetRewards site www.petrewards.bankofamerica.com or via telephone 1.800.746.8747 to the PetRewards Redemption Center. PetRewards Points will accrue as merchant transactions post to the Account. PetRewards Points will be available for redemption after the close of the billing cycle in which the purchases were made. In order to redeem PetRewards Points, your Account must be open and in good standing. This means we have not cancelled or closed your Account for any reason, you are not in default of your Cardholder Agreement and your Account is not 60 or more days delinquent, past due or over the credit limit. If any of these conditions exist, and your Account is later re-opened and in good standing, you may once again redeem any accrued PetRewards points. If you close your Account, you forfeit any previously accrued unused PetRewards Points on your Account the day your Account is closed. You may redeem only the available PetRewards Points that are displayed in the PetRewards Points Summary section of your most recent monthly Account billing statement. Award redemptions can be made through the PetRewards Redemption Center at 1.800.746.8747 Monday - Friday from 7am to 8pm CST and on Saturday from 9am to 5pm CST. Redemptions for merchandise and certificates can also be made online at www.petrewards.bankofamerica.com. Program Rewards. We reserve the right to substitute rewards with comparable rewards of equal or greater value and to discontinue any reward without advance notice. PetRewards and offers are void where prohibited by law. Information in the PetRewards website is accurate, to the best of our knowledge. Bank of America is not affiliated with any of the animal shelters, neighborhood pet specialty stores, farm and feed stores, or veterinary clinics. By redeeming PetRewards Points for any reward, you agree that Bank of America is not responsible for rewards provided by third parties and agree to release Bank of America, participating Program service providers, partners, sponsors and contributors, and each of the foregoing entities’ respective affiliates, subsidiaries and advertising and promotional agencies from any and all liability for injury, accident, loss, expense or damages sustained in connection with the receipt, ownership or use of any reward. Redeemed rewards cannot be returned, refunded, exchanged, or replaced for cash, points, or other rewards. By accepting any reward, you agree to permit Bank of America and/or Hill’s to use your name and a description of the reward for promotional or advertising purposes without further compensation to you. Redeemed rewards have no cash value. Rewards are not refundable or exchangeable. If a reward is to be mailed to the cardholder, the address on our billing records will be used. Please allow up to three weeks from the time you place your order for delivery of any reward, such as food discount coupons, veterinary rebate checks, and veterinary rebate forms. Upon request to redeem PetRewards Points for a reward, your account will be reviewed to verify that the PetRewards Point earnings are valid and that there are sufficient PetRewards Points for the requested reward. In the event of a credit or other adjustment that results in insufficient PetRewards Points for that reward, the reward will not be filled. If the reward order is fulfilled and Bank of America later discovers that the Cardholders did not have sufficient PetRewards Points for that reward, the Cardholders will forfeit all future PetRewards Points earnings until such time as sufficient PetRewards Points are accrued to cover the reward. Rewards printed from the PetRewards redemption website may not be reproduced. Bank of America reserves the right to disqualify any person and/or account from participation in the Program, refuse to award PetRewards Points, or close your Account if, in its sole judgment, you have or any other person using your Account has violated any of the terms, conditions, and/or purpose of the Account and/or Program, including that a reward (e.g., rebate) has been reproduced. Rewards are subject to terms and conditions of use. Rewards, once received by cardholders, will not be replaced if stolen, lost, destroyed or expired. Rewards may not be returned for refund of PetRewards Points. Refer to Reward for expiration dates. Rewards cannot be used in conjunction with any other offer, be applied as payment to any account, or be applied to any previous purchases. 5.1. Discount (Checks/Rebates) on Veterinary Services. PetRewards Points may be redeemed for veterinary rebates. A valid original veterinary visit receipt is required as proof of purchase when submitting the Veterinary Rebate redemption form. Once approved, a rebate check will be mailed to You. Your rebate should arrive within three weeks from the date the PetRewards redemption center receives your completed form and valid veterinary receipt. Veterinary rebates can not be combined with any other offer. 5.2. Animal Shelter Donations. Shelter donations can be made to participating shelters. You may access a list of participating shelters at www.petrewards.bankofamerica.com or by contacting the PetRewards Redemption Center at 1.800.746.8747 Monday - Friday from 7am to 8pm CST and on Saturday from 9am to 5pm CST. Shelter donations will be made on your behalf in the form of cash, pet food or other preferred goods and services as preferred by the shelter to the approved shelter of your choice. You will receive confirmation of your donation once the donation has been made to the shelter. Donations are not tax deductible. 5.3. Discounts on Pet Food. Only one coupon is allowed per purchase of Hill's Science Diet® or Prescription Diet® brand pet foods. Pet food coupons can not be combined with any other offer. Coupons may not be reproduced. ANY PRODUCT, SERVICE, OR REWARDS OBTAINED THROUGH THE PROGRAM IS PROVIDED "AS IS", WITHOUT REPRESENTATION OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BANK OF AMERICA, HILL'S PET NUTRITION, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, SUPPLIERS, ADVERTISERS AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY OR COMPLETENESS OF ANY INFORMATION PROVIDED AS IT RELATES TO THE PROGRAM. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES OR DAMAGES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. BANK OF AMERICA AND ITS AFFILIATES, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF ANY REWARDS SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. Taxes. We make no promises or representations as to the current or future tax consequences related to the Program, including earning or redeeming points. Earning PetRewards Points and redemption of PetRewards Points for rewards may be subject to income or other taxes. Any tax obligations related to the Program are the responsibility of the cardholder. Please consult your tax advisor concerning any income or other tax consequences related to participation in the Program. Audits/Disqualification. Bank of America reserves the right to audit your Account for compliance with the Rules. In the event an audit reveals any point or other discrepancies, the awarding of points and the redemption of points for rewards may be delayed until such discrepancies are resolved. Bank of America reserves the right to disqualify any person and/or account from participation in the Program, refuse to award or redeem points, or close your Account if, in its sole judgment, your Account is not in good standing, you have provided false information or you or any other person using your Account has violated any of the terms, conditions, and/or purpose of the Account and/or the Program, including but not limited to fraud, excessive transactions, or other abuse. Such disqualification may be temporary or permanent and result in the forfeiture of any accumulated points. Bank of America reserves the sole discretion to interpret and apply the policies and procedures communicated in these Rules. All determinations by Bank of America shall be final. Changes/Termination. Bank of America may, in its sole discretion, change or limit any aspect of the Program and its Rules, or modify, suspend or terminate the Program, in whole or in part, at any time, for any reason with or without notice to you. The Program and/or any of its individual elements are void where prohibited by law. Changes may affect outstanding transactions and points, and may include, but are not limited to, the number of PetRewards Points required to earn rewards, the type of transactions which qualify for points, the type and/or value of rewards, or the availability of rewards. If any provision of these Rules is unenforceable, such finding will not make any other provision unenforceable. Bank of America reserves the right, in its sole discretion, to disqualify any cardholder from participation in the Program and to invalidate all PetRewards Points in cases of actual or suspected abuse, fraud, or any violation of the Program Terms and Conditions. You may view a current copy of these program rules at www.petrewards.bankofamerica.com. All rules governing the number of Points required to earn Rewards, the availability of Rewards and/or type or value or Rewards, shall be established by Bank of America and set forth by them in the rules which govern the PetRewards program. Governing Law. All aspects of the Program and participation therein are governed by the laws of the State of Delaware, without reference to its choice of law provisions. Liability. Neither Bank of America nor Hill's Pet Nutrition, Inc. the maker of Science Diet® and Prescription Diet® brand pet foods or any of their respective affiliates or agents will be liable to you for any action any of them take or fail to take in connection with the Rewards Program or any changes in or termination of the Program. BANK OF AMERICA AND HILL’S PET NUTRITION, INC. AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY DAMAGES (INCLUDING DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE) WITH RESPECT TO PARTICIPATION IN THE PROGRAM AND THE TYPE, QUALITY, OR FITNESS OF GOODS, SERVICES, OR REWARDS PROVIDED THROUGH THE PROGRAM. Hill's, Science Diet and Prescription Diet are registered trademarks owned by Hill's Pet Nutrition, Inc. Photo Expressions® Terms and Conditions Bank of America reserves the exclusive right to determine whether to use any submitted photo on the Photo Expressions card. Upon submitting your photo to Bank of America, you represent and certify that you have sole rights to use the photo and have obtained any necessary consent to allow Bank of America to alter, copy, print, distribute, prepare and to use the photo or derivative works of the photo on the Photo Expressions card. You agree to return the Photo Expressions card to Bank of America immediately upon the request by Bank of America. There is no charge to add Photo Expressions to your card nor is there a charge to request a different photo be added to your 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 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
Pet Rewards™ Platinum Plus Visa® Credit Card Application
Pet Rewards™ Platinum Plus Visa® Credit Card Review
|
