Name of the Organization : Capital Bank
Type of Facility : Apply for Opensky credit Card
State : Ohio
Country : United States of America
Website : https://www.openskycc.com/Applet.aspx
Apply for Opensky Credit Card :
** A secured Visa® credit card that helps you build your credit quickly
** Credit line as low as $200 up to $3000, linked to your fully refundable security deposit
** No credit history required to apply
Related : M&T Bank Apply for Credit Card United States of America : www.statusin.org/23850.html
** No credit check and no checking account necessary
** No fees for application and processing
** Accepted everywhere you see the Visa logo
|
Interest Rates and Interest Charges |
|
| Annual Percentage Rate (APR) for Purchases | 17.64%
This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 17.64%
This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 21.75%
This APR will vary with the market based on the Prime Rate.
This APR will apply to your Account if you make a late payment.
How Long Will the Penalty APR Apply: If your APR is increased for a payment that is late, the Penalty APR will apply indefinitely unless you make six consecutive payments on time following the rate increase. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.00. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | 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
Consumerfinance.gov/learnmore. |
|
Fees |
|
| Annual Fee | $35 annually. |
| Transaction Fees
· Cash Advance · Foreign Transaction |
$6 or 5% of the amount of each Cash Advance; whichever is greater. 3% of each Transaction in U.S. dollars |
| Penalty Fees
· Late Payment · Returned Payment |
Up to $27 Up to $25 |
How We Will Calculate Your Balance :
** We use a method called “average daily balance (including new purchases).” See the Cardholder Agreement for more details.
Billing Rights :
** Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement that will be provided to you before you can begin using your new card.**
I am applying to Capital Bank, N.A. for the OpenSky Secured Credit Card.
I understand to be eligible for the offer :
** I must be at least 18 years of age and have a valid Social Security Number or Individual Taxpayer Identification Number.
** I need to be a United States citizen or permanent resident of the United States.
** My monthly income must be greater than my monthly expenses and I have the ability to repay the estimated monthly payment you require for this card.
** I have not applied for a Capital Bank credit card 4 or more times in the last 60 days.
** I do not have 2 or more open credit card accounts with Capital Bank.
** My account history on any current or previous relationship with Capital Bank must be in good standing.
With respect to my application, I acknowledge that :
** If I am approved, I will be required to provide a security deposit in the amount equal to the credit line as collateral to fund my “Pledged Deposit Account”.
** Interest will not be paid on my Pledge Deposit Account.
** My deposit is fully refundable and will be returned after my credit card balance is paid in full.
** I will need to make monthly payments toward any balance I accrue, as with any other credit card.
** By providing my phone numbers, I agree that Capital Bank, and its authorized agents, may call me at these numbers. If the number is a cell phone number I agree that you may contact me using an automatic dialer, including pre-recorded messages and/or text messages.
** I will receive the OpenSky Cardholder Agreement, which includes the Pledge Deposit Account Agreement, and I am bound by its terms and future revisions.
** Everything that I have stated in this application is correct to the best of my knowledge.