National Geographic : 2001 Apr
NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 411 WILMINGTON DE POSTAGE WILL BE PAID BY ADDRESSEE BANKCARD PROCESSING CENTER PO BOX 15201 WILMINGTON DE 19885-5201 I ,,IIIiIIIIIIII,,Ii IIIIII ,IIIII ,, II 11iIII Authorization:Youunderstandthat thisoffer to establisha credit cardaccountwasmadeavailableto you byFirstUSA Bank,NA, locatedinWilmington,Delaware(FirstUSA).If an accountis opened,the lenderon theaccountwillbe FirstUSA.Youunderstandthat theuse of an accountor anycard issuedinconnectionwiththis offerwillconstituteyour acceptanceofand willbesubjectto the termsand conditionsof the FirstUSACardmemberAgreementthat willbe sent withthe card.Youagreeto be responsibleforallchargesincurredaccordingto the CardmemberAgreement.Youunder standthat the termsof youraccountaresubjectto changeas providedin the CardmemberAgreement. Annual Percentage With a balance transfer, an introductory 2.9% fixedAPR on purchases and Rate (APR) balance transfers for the first nine(9) billing cyclesfollowing the opening of your account; after that, a 12.99% fixed APR on purchasesandbalance transfers; without a balance transfer, a 12.99% fixedAPR for purchasesand balance trans fers;the APR for cash advances is 19.99% fixed.* *If payment is receivedlate once during the introductory period, the APR willadjust to 12.99% fixed on purchases and balance transfers. If payment is received late twice in any six-month period, an adjusted APR of 19.99% fixed takes effect on purchases and balance transfers. Grace Periodfor 20-25 days from the date of the periodic statement (provided you paid your Repayment of Balances previous balance in full by the due date). for Purchases Annual Fee None. Minimum Finance $1.00 in any month that a finance charge is payable. Charge Trasaction Finance Purchaseof wire transfers or money orders; purchaseof foreign currency and Charges travelerschecks from other than a bank; and use of Convenience Checks: 2% of the amount of each purchase or check, but not less than $5 nor more than $50. BalanceTransfers: 3% of the amount of each balance transfer, but not less than $5 nor more than $50. Method of Computing Two-Cycle AverageDaily BalanceMethod (including new purchases). the Balancefor Purchases Feefor all cashadvances:2% of the amountofthe advance,but not lessthan $10.00.LatePaymentFee:$29.00. Over-the-Credit-LimitFee:$29.00 .ReturnedPaymentFee:$29.00 .ReturnedConvenienceCheckFee:$29.00 . The graceperioddoesnot applyto cashadvances. STI 28682 Youagreethat wehavethe right toobtain a currentcreditreportin connectionwithour reviewof yourapplication, and subsequentlyinconnectionwitha requestedchangeto youraccount,the renewalof youraccount,or a change in yourcreditline;and thatwe havetheright to reporttoothersour creditexperiencewithyou.Uponyourrequest, wewilltellyou the nameand addressof eachconsumerreportingagencyfrom whichwe obtaineda consumerreport aboutyou.Wewillreviewyourcredithistoryand incometo determineifyou qualifyfor a MasterCardand, if so, yourcreditline.In certaininstances,basedon thisreview,you may receivea Standardcardwith a creditlineof less than $5,000.Theminimumgrossannualincomerequiredfora MasterCardis $14,400. Noticeto MarriedWisconsinResidents:No provisionof any maritalpropertyagreement,unilateralstatementor court decreeadverselyaffectsthe rightsof FirstUSA,unlessa copy ofsuchagreement,statementor courtorder is furnishedto FirstUSAprior to the timecreditisgranted,or FirstUSAhasactualknowledgeof the adverseobliga ion. All obligationson thisaccountwillbeincurredin theinterestof yourmarriageor faily. Youunderstandthat FirstUSAmaybe requiredto givenoticeof thisaccountto yourspouse.MarriedWisconsinresidentsmustfurnish their(the applicant's)nameandsocialsecuritynumberas well as the nameandaddressof theirspouseto First USAat PO. Box 15281,Wlmington, DE 19885-5281. PlatinumservicesareavailableonlytoFirstUSAPlatinumcardmembers.FirstUSAreservesthe rightto changethe benefitfeaturesassociatedwithyourcard at any time. BalanceTransferOption:The Visa,*MasterCard,"Discover,*AmericanExpress*,or any storecard account(s)you indicatewillshow a credit,reducingthe amountyouowe bythe amountyou transferred.The availablecrediton your FirstUSAaccountwillbe reduced,just asif you hadmadea purchase.The balancetransferamount(s)willshowup on yourinitialFirstUSAstatement.Yourother creditcardaccount(s)will not bedosed evenif you transferyour entirebalance(s).If youwant to closean account,pleasecontactthe othercreditcard companydirectlyIt may take up to threeweeksto setup youraccountand post thebalancetransfertransaction(s).Therefore,you may needto makepaymentstoyourother account(s)to keepthem current.Balancetransfersarecontingentuponissuanceof yourFirstUSAaccount.There willbe a transactionfee for eachbalancetransferifone is disclosedin theTermsand Conditionsthat accompanythis offer.FirstUSAreservesthe rightto declinetoprocessanypartial or fullbalance transferrequestandwill not processa balancetransferrequestfromany otheraccountyou may havewith FirstUSA, BankOne or anyone of our relatedbanks. AffiliateInformationSharin FirstUSAis partof BankOneCorporation.FirstUSAandour BankOne affiliatesmayshareinformationaboutyouamongaffiliatesin orderto offerproductsandservicesof interest to you.If youwouldratherwe notshareinformationfrom yourapplication,creditbureausor thirdparties, pleasewriteto us at FrstUSABank,NA., FCRAOpt-Out,PO.Box 182793,Columbus,OH43218-2793. Pleasemake sureto includewith yourrequestyourentirename,full address,andsocialsecuritynumber. FormoreinformationaboutFirstUSA'sinformationhandlingpolicies,visitus on the webat http://www.fistusa.com/go/privacy Omissionofany informationrequestedon theapplicationmay be reasonfor denialof an account.Thisofferis avail ableonlytoapplicantswho residein theUnited Sates ofAmerica.The creditdsclosuresgivenabovewereprintedon theprint date set forthbelowand wereaccurateas of thatdate. Thecreditinformationissubjecttochangeafterthe printingdate.Youshouldcontactus for anychangeafterthe printingdate bycallingus toll-freeat 1-800-537-6954. Alternatively,you may writeto FirstUSABank,NA., PO. Box15201,Wilmington,DE 19850-5201.