Other Fees: Returned Payment Fee:
$35.00; $5.00 per Periodic Statement copy; $5.00 per Transaction Copy.
International Transaction Fee: Effective for all transactions outside of the
United States or in a foreign currency that post to your Account, we will
assess a finance charge in the form of a transaction fee equal to 3% of the
U.S. dollar amount of each such Foreign Transaction. This fee will be in
addition to any other applicable transaction fees.
This information is accurate as of 2/11 and is subject to change
Call 1-866-274-2328 to find out what may have changed.
*Introductory Rate: The introductory APR for Purchases and Balance
Transfers will remain in effect through the closing date of the sixth billing
cycle after your Account is opened, so long as the Minimum Amount Due on
Account Statements is paid by each Payment Due Date during the promotional
period. If not, the introductory APR will adjust in the billing cycle following
any late payment to the variable APR for Purchases and Balance Transfers then
in effect or the delinquency APR as applicable.
**The WSJ Prime Rate means the highest prime rate published in The Wall Street
Journal on the day the rate is determined (or the previous day on which The
Wall Street Journal was published if the paper is not published on that day).
The date the rate is determined is the third Friday of each month. Any increase
or decrease in the WSJ Prime Rate will result in an increase or decrease in
your daily periodic rate and corresponding APR. These changes will be applied,
as applicable, to your existing account balance and to subsequent transactions
effective as of the first day of the billing cycle immediately following the
month in which we calculate the rate.
***APR for Delinquency: We reserve the right to increase the Annual
Percentage Rate to 23.99% (corresponding Daily Periodic Rate of .06573%) on all
new and outstanding Account balances without giving you additional notice, each
time (i) we do not receive at least the Minimum Amount Due by its Payment Due
Date; or (ii) your total outstanding balance exceeds your
Account Credit Limit on
the closing date of a Billing Cycle. Once you become
subject to this APR for delinquency, we may change your APR back to the
respective APRs for your Account but only if you bring your Account current and
then pay at least the Minimum Amount Due by the Payment Due Date or the payment
due date, as applicable, for six (6) consecutive Billing Cycles. Any other
variable or fixed APR that would otherwise apply to new and outstanding Account
balances will change to this fixed APR for Delinquency.
Notice for California Residents: A married applicant may apply for a
separate account. As required by law, you are hereby notified that a negative
credit report reflecting on your credit record may be submitted to a credit
reporting agency if you fail to fulfill the terms of your credit obligations.
If we take any adverse action as defined by Section 1785.3 of the California
Civil Code and the adverse action is based, in whole or part, on any
information contained in a consumer credit report, you have the right to obtain
within 60 days a free copy of your consumer credit report from the consumer
reporting agency who furnished us your consumer credit report and from any
other consumer credit reporting agency which complies and maintains files on
consumers on a nationwide basis. You have the right as described by Section
1785.16 of the California Civil Code to dispute the accuracy or completeness of
any information in a consumer credit report furnished by the consumer credit
Notice for New York Residents: A consumer report may be requested in
connection with this application. Upon your request, you will be informed
whether or not a consumer report was requested, and if such report was
requested, informed of the name and address of the consumer reporting agency
that furnished the report. Subsequent consumer reports may be requested or
utilized in connection with an update, renewal or extension of the credit for
which application was made. New York residents may contact the New York State
Banking department to obtain a comparative listing of credit card rates, fees
and grace periods. New York State Banking Department 1-800-518-8866.
Notice for Ohio Residents: The Ohio laws against discrimination require
that all creditors make credit equally available to all credit worthy 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 for Rhode Island Residents: A credit report may be requested in
connection with this application.
Notice for Vermont Residents: A consumer credit report may be requested
in connection with this application or in connection with updates, renewals or
extensions of any credit granted as a result of this application. Upon request,
you will be informed whether or not such a report was requested and, if so, the
name and address of the agency that furnished the report.
Notice for Married Wisconsin Residents: Your signature confirms that
this loan obligation is being incurred in the interest of your marriage or
family. No provision of a marital property agreement, a unilateral statement
under Section 766.59 of the Wisconsin Statutes or a court decree under Section
766.60 of the Wisconsin Statutes adversely affects the interests of the
creditor unless the creditor, prior to the time the credit is granted, is
furnished a copy of the agreement, statement or decree or has actual knowledge
of the adverse provision when the obligation to the creditor is incurred. The
creditor may give notice of the opening of any credit account to the
applicant's spouse. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED
UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Arbitration: The Card Agreement includes an arbitration provision that allows
either of us to elect to resolve, among other things, any claim, controversy or
dispute arising from or relating to the Card Agreement and your account
("Claim") by arbitration, in which case neither of us generally will have the
right to participate as a representative or member of any class of claimants
pertaining to any claim, controversy or dispute subject to arbitration. Other
rights that you would have if you went to court may also not be available in
arbitration. For additional information, see the Card Agreement or write to us
at: Card Center, P.O. Box 3676, Evansville, IN 47735-3676.
Balance transfer requests will be processed from the highest to lowest dollar
amount, subject to a minimum of $100 per transfer. If a balance transfer
request is more than any available account credit limit, I acknowledge and
agree that Fifth Third will automatically lower the balance transfer amount to
$200 less than my available credit and complete the transfer. Until my balance
transfer(s) is posted, I acknowledge that I may need to make a payment or
payments to my accounts to keep them current. Balance transfers are not subject
to a grace period, any may take 2 to 4 weeks to process. Balance transfers
cannot be used to pay off other Fifth Third obligations.
Customer Identification Program: In accordance with the USA PATRIOT Act,
federal law requires all financial institutions to obtain, verify and record
information that identifies each individual or entity opening an account. This
includes all personal and commercial accounts including loan and deposit
accounts, as well as trust, brokerage, insurance and investment management
What This Means to Our Customers: When you open an account, you will be asked
for your name, address, social security or tax identification number, date of
birth (if applicable) and other information that will allow Fifth Third to
identify you. You will also be asked to furnish your driver's license or other
identifying documents. We are required to follow this procedure each time an
account is opened, even if you are a current customer of Fifth Third. Thank you
for helping us to follow this federally mandated procedure.
Fair and Accurate Credit Transactions Disclosure - We many report information
about your account(s) to credit bureaus. Late payments, missed payments, or
other defaults on your account may be reflected on your credit report.
Travel Accident Insurance Description of Coverage
Principal Sum: $1,000,000
THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT ONLY POLICY AND DOES NOT PAY
BENEFITS FOR LOSS FROM SICKNESS.
This Description of Coverage is provided to all Platinum MasterCard/Visa
Platinum Cardholders and replaces any and all Descriptions of Coverage
previously issued to the insured with respect to insurance described herein
Eligibility and Period of Coverage
As a Platinum MasterCard/Visa Platinum Cardholder, you are covered beginning on
10/1/02 or the date your credit card is issued, whichever is later.
You and your dependents*("Covered Persons") become covered automatically when
the entire Common Carrier fare is charged to your Platinum MasterCard/Visa
Platinum card. It is not necessary to notify the Financial Institution, the
Insurance Company or Plan Administrator when tickets are purchased. Coverage
ends when the policy is terminated or on the date your Platinum MasterCard/Visa
Platinum card terminates or ceases to be in good standing, whichever occurs
*Your spouse, unmarried dependent child(ren), under age 19 (23 if a full-time
student). No age limit for incapacitated child. Incapacitated child means a
child incapable of self-sustaining employment by reason of mental retardation
or physical handicap, and chiefly dependent on you for support and maintenance.
Dependent children receive 50% of your benefit amount.
Subject to the terms and conditions, if a Covered Person's accidental bodily
Injury occurs while on a Covered Trip and results in any of the following
Losses within one year after the date of accident, the Insurance Company will
pay the following percentage of the Principal Sum for accidental Loss of:
Life - 100%
Both hands or both feet - 100%
Sight of both eyes - 100%
Speech and hearing - 100%
Two or more members - 100%
One hand or one foot - 50%
Sight of one eye - 50%
Speech or hearing - 50%
Thumb & index finger on the same hand - 25%
In no event will multiple charge cards obligate the Insurance Company in excess
of the stated benefit for any one Loss sustained by a Covered Person as a
result of any one accident. The maximum amount payable for all Losses due to
the same accident is the Principal Sum. "Member" means a hand or foot.
Aggregate Limitation means the maximum benefit payable on any one loss
is subject to an aggregate limit of two (2) times the Principal Sum of the
Platinum MasterCard/Visa platinum Cardholder.
Loss means actual severance through or above the wrist or ankle joints
with regard to hands and feet; entire and irrevocable loss of sight, speech or
hearing; actual severance through or above the metacarpophalangeal joints with
regard to thumb and index fingers. The life benefit provides coverage in the
event of a Covered Person's death. If a Covered Person's body has not been
found within one year of disappearance, stranding, sinking, or wreckage of any
Common Carrier in which the Covered Person was covered as a passenger, then it
shall be presumed, subject to all other provisions and conditions of this
coverage, the Covered Person suffered loss of life.
Injury means bodily injury resulting directly and independently of all
other causes from an accident which occurs while the Covered Person is covered
under this policy.
Covered Trip means a trip a) while the Covered Person is riding on a
Common Carrier as a passenger and not as a pilot, operator or crew member and
b) charged to your Platinum MasterCard/Visa Platinum card; and c) that begins
and ends at the places designated on the ticket purchased for the trip. Covered
Trip will also include travel on a Common Carrier (excluding aircraft),
directly to, from or at any Common Carrier terminal, which travel immediately
precedes departure to or follows arrival at the destination designated on the
ticket purchased for the Covered Trip.
Common Carrier means any scheduled airline, land or water conveyance
licensed for transportation of passengers for hire. Common Carrier does not
include a conveyance operated for sport, recreation, and/or sightseeing
activities or for any travel in any aircraft device for aerial navigation
except as expressly provided in the policy.
Exclusions: No payment will be made for any Loss that occurs in
connection with, or is the result of: (a) suicide, attempted suicide or
intentionally self-inflicted injury; (b) committing or attempting to commit a
felony; (c) any sickness or disease; (d) travel or flight on any kind of
aircraft or Common Carrier except as a fare-paying passenger in an aircraft or
on a Common Carrier operated on a regular schedule for passenger service over
an established route; (e) war or act of war, whether declared or undeclared.
Beneficiary: Benefit for Loss of life is payable to your estate, or to
the beneficiary designated in writing by you. All other benefits are payable to
Notice of Claim: Written notice of claim, including your name and policy
number (VTA00001) should be mailed to the Plan Administrator within 20 days of
a covered Loss or as soon as reasonably possible. The Plan Administrator will
send the claimant forms for filing proof of loss.
The Cost: This travel insurance is provided at no additional cost to you
by your Financial Institution.
Description of Coverage: This description of coverage details material
facts about a Travel Accident Insurance Policy, which has been established for
you and is underwritten by Virginia Surety Company, Inc. Please read this
description carefully. All provisions of the plan are in the master policy,
VTA00001, issued to the Specialty Products Trust, which is effective 2/28/00.
Any difference between the policy and this description will be settled
according to the provisions of the policy.
Questions: Answers to specific questions can be obtained by writing to the
CBSI Enhancement Services
550 Mamaroneck Ave.
Harrison, NY 10528
Virginia Surety Company, Inc.
1000 Milwaukee Avenue
Glenview, IL 60025
General Program Provisions, Travel Accident Insurance:
Travel Accident Insurance is provided under a master policy of insurance issued
by Virginia Surety Company, Inc. (herein referred to as Company). We reserve
the right to change the benefits and features of all these programs.
The Financial Institution or the Company can cancel or choose not to renew the
Insurance coverages for all Insureds. If this happens, the Financial
Institution will notify the accountholder at least 30 days in advance of the
expiration of the policy. Such notices need not be given if substantially
similar replacement coverage takes effect without interruption and is provided
by the same insurer. Insurance benefits will still apply to Covered Trips
commenced prior to the date of such cancellation or non-renewal, provided all
other terms and conditions of coverage are met. Travel Accident Insurance does
not apply if Your MasterCard/Visa card privileges have been
suspended or cancelled. However, insurance benefits will still apply to Covered
Trips commenced prior to the date that Your account is suspended or cancelled
provided all other terms and conditions of coverage are met.
Coverage will be void if, at any time, the accountholder has concealed or
misrepresented any material fact or circumstance concerning this coverage or
the subject thereof or the accountholder's interest herein, or in the case of
any fraud or false swearing by the Insured relating thereto. No person or
entity other than the accountholder shall have any legal or equitable right,
remedy, or claim for insurance proceeds and/or damages under or arising out of
No action at law or in equity shall be brought to recover on this coverage
prior to the expiration of 60 days after proof of loss has been furnished in
accordance with the requirements of this Description of Coverage.
The Company, at its expense, has the right to have you examined as often as
reasonably necessary while a claim is pending. The Company may also have an
autopsy made unless prohibited by law.