Home Credit Card Application

Credit Card Application

 
 


  • * = Required Field


  • $
  • Individual Credit - relying solely on my income or assets
    Joint Credit - We intend to apply for joint credit


Applicant Information

  • Married Legally Separated Unmarried (For Wisconsin Residents Only)


  • Own Rent Other
  • Employment Information

    • Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Request For Automatic Payments (Optional)

I would like to have monthly payments on this credit card account automatically paid from my checking or savings account listed below. I authorize you to initiate an automatic monthly payment on the payment Due Date shown on each monthly statement for the following amount (check one)


Terms and Conditions

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases 0.00% introductory APR for six months. After that your APR will be 9.90-17.90% based on your credit worthiness and other factors. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% introductory APR for six months. After that your APR will be 9.90-17.90% based on your credit worthiness and other factors. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 0.00% when you open your account. After that your APR will be 9.90-17.90% based on your credit worthiness and other factors. This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 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. We will begin charging interest on cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Board Website To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

 

Fees  
Annual Fee None
Transaction Fees
  • Cash Advances
  • Lender’s ATM Fees
  • Balance Transfer Fees
  • Foreign Transactions
     
  • Either $0.00 or 2.00% of the amount of each cash advance, whichever is greater
  • $2.00
  • None
  • 1% of each transaction in U.S. dollars
Penalty Fees
  • Late Payments
  • Return Payments
  • Up to $15.00
  • Up to $15.00

 

 

How Will We Calculate Your Balance:
We use a method called "Average Daily Balance (including new purchases)".
Loss of Introductory APR
We may end your introductory APR if you make a late payment.
The information in this table was printed and is accurate as of 08-01-2016 and is subject to change after this date. Contact your community banker to learn of any change in the information since it was printed by mailing your request to Raccoon Valley Bank, 1009 Court St, Adel, Iowa 50003.
NOTICE:
You agree that we may obtain and use consumer credit reports and exchange credit information in connection with this offer and any update, renewal or extension of credit we may extend to you. If you request, we will inform you whether any credit report was requested and, if so, the name and address of the consumer reporting agency which furnished the report. As permitted by law, we may share account and other information as well as information contained in your Application in any credit report on you, with any Raccoon Valley Bank affiliates and others. Complete details regarding your rights to share information will be provided to you after an account is established. You agree that we will consider this an Application for  a Visa or Visa Gold account. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. You must be at least 18 years old to qualify (19 in AL and NE; 21 in MS). Married applicants may apply for separate credit.
Anti-Terrorism:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. To process the Application, we must have your name, street address, date of birth and other identifying information, and we may ask for identifying documents from you as well.
State Laws Require the Following Notices:
California Residents: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account to the extent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing of credit card rates, fees and grace periods. Ohio Residents: The 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. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor's interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision.
Applicable Law:
The above rates and fees are governed, as are your Cardholder Agreement and Account, by the laws and regulations of the State of Iowa, as well as the applicable laws and regulations of the United States of America.

Signature(s)

I certify that everything I have stated in this application and on any attachments is correct. Lender may keep this application whether or not it is approved. By signing below, I authorize Lender to check my credit, employment history and to answer questions others may ask Lender about my credit record with Lender. I understand that I must update credit information at Lender's request if my financial condition changes.

We certify that everything we have stated in this application and on any attachments is correct. Lender may keep this application whether or not it is approved. By signing below, we authorize Lender to check our credit, employment history and to answer questions others may ask Lender about our credit record with Lender. We understand that we must update credit information at Lender's request if our financial condition changes.