232 - 121144
Platinum Edition® Visa® Card
T-GULF-2005
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.
PLEASE NOTE: If you apply for a credit card, you may receive a Platinum Edition® Visa® Card, a Visa Signature® Card, or we may decline to open an account for you. Eligibility for card products depends on the information provided in your application and your credit card history. The card you are approved for will determine your Visa benefits.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS) | |
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases | 27.24% when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 27.24% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | 25.49%. 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 21 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.1 |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.75. |
For Credit Card Tips from the Consumer Financial Protection Bureau | |
Fees | |
Set-up and Maintenance Fees
| None None |
Transaction Fees
| Either $10 or 5% of the amount of each transfer, whichever is greater Either $15 or 5% of the amount of each cash advance, whichever is greater Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater 3% of each transaction in U.S. dollars |
Penalty Fees
| Up to $40 Up to $35 |
When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.
1 We will begin charging interest on cash advances and balance transfers on the transaction date.
Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.
Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.
Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.
Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.
your credit report.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying
documents.
Married applicants may apply for separate accounts in their own names.
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
Department of Financial Services: 1-800-342-3736 and “www.dfs.ny.gov”.
The arbitration provision will not apply to you if, at the time your account is opened, you are a covered borrower under the Military Lending Act and U.S. Department of Defense regulations (32 C.F.R. pt. 232). For example, you would generally be a covered borrower if, at the time your account is opened, you are: (1) a member of the U.S. armed forces on active duty under a call or order not specifying a period of 30 days or less; (2) an active Guard or Reserve; or (3) a spouse or dependent of a person who qualifies under (1) or (2).
IMPORTANT REWARDS PROGRAM INFORMATION GULF VISA® CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Gulf Visa® Card Rewards Program (the “Program”). First National Bank of Omaha, is referred to below as “we,” “us,” “our” and “FNBO®”. FNBO is the issuer of the Credit Card account(s) (“Account”) and the sponsor of the Program. The Program is dependent on the participation and cooperation of Gulf Oil Limited Partnership (referred to as “Gulf Oil”).
EARN POINTS | Receive 3% back (3 points) for each $1.00 of Gulf Purchases posted to the Account. Each point is worth $0.01 toward a Gulf Oil gift card (“Gulf Gas Card”). |
Receive 1% back (1 point) for each $1.00 of Net Purchases (excluding Gulf Purchases) posted to the Account. Each point is worth $0.01 toward a Gulf Gas Card. | |
ANNUAL PROGRAM FEE | There is no annual Program fee. However, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly set-up and maintenance fees associated with the Account. |
LIMIT ON POINTS EARNED | There is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions. |
POINT EXPIRATION | Points do not expire. |
POINT FORFEITURE | If the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited. |
AUTOMATIC POINT REDEMPTION | Points are redeemed automatically in 2,000 point increments at the end of each billing cycle. Each 2,000 points equate to a $20 Gulf Gas Card, subject to the Program’s complete Terms and Conditions. |
AUTOMATIC GULF GAS CARD DELIVERY | Gulf Gas Cards will be sent automatically in increments of $20, $40, $60, $80 and $100. If more than $100 in Gulf Gas Cards, any additional Gulf Gas Card(s) will be sent in separate envelope(s). Gulf Gas Cards will be automatically sent to the same address where the Account’s statements are sent (which may take 30-60 days after each respective 2,000 points have been posted to the Account). |
items. Net Purchases do not include: (a) annual fees, finance charges, and other fees or charges posted by us to the Account; (b) cash advances (including, but not limited to, purchases of money orders or other cash equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide; or (e) other transactions that we determine not to be eligible. “Gulf Purchases” are Net Purchases made at any participating Gulf Oil location.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Gulf Purchases, or Net Purchases, and our determinations shall be final.
(which may take 30 to 60 days after the Account has been awarded the respective 2,000 points). Gulf Oil is responsible for honoring the Gulf Gas Cards and may impose additional conditions, restrictions, and limitations on redemption of the Gulf Gas Cards. We are not responsible for Gulf Oil’s products or decisions or their refusal to honor Gulf Gas Cards or to otherwise participate in the Program. Gulf Gas Cards can be redeemed for online and in-store purchases .
We may change or terminate the Program in our discretion at any time with or without prior notice to you except where required by law.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.