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Vinton County National Bank

Credit Cards

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VISA BUSINESS CREDIT DISCLOSURE
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 12.9%
Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 12.9%
Annual Percentage Rate (APR) for Cash Advances 19.9%, after six month introductory APR of 4.99%
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 and balance transfers if you pay your entire balance 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 $0.50.
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 http://www.consumerfinance.gov/learnmore
Fees
Transaction Fees  
     • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater
     • Balance Transfer None
     • Expedited Payment $10.00
Penalty Fees  
     • Late Payment Minimum payment due or $25, whichever is less, assessed on day of next statement billing
     • Returned Payment Minimum payment due or $25, whichever is less
VISA BUSINESS CREDIT DISCLOSURE
Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases
4.99% introductory APR for the first six months. After that, your APR will be 12.9%

Annual Percentage Rate (APR) for Balance Transfers
4.99% introductory APR for the first six months. After that, your APR will be 15.9%

Annual Percentage Rate (APR) for Cash Advances
19.9%, after six month introductory APR of 4.99%

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 and balance transfers if you pay your entire balance 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 $0.50.

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 http://www.consumerfinance.gov/learnmore

Fees
Transaction Fees

     • Cash Advance
Either $5 or 3% of the amount of each cash advance, whichever is greater

     • Balance Transfer
None

     • Expedited Payment
$10.00

Penalty Fees

     • Late Payment
Minimum payment due or $25, whichever is less, assessed on day of next statement billing

     • Returned Payment
Minimum payment due or $25, whichever is less

Balance Calculation

We use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account terms and conditions.

For more information and to learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.

 

Lost or Stolen Cards

To report a lost or stolen Vinton County National Bank Favor Credit Card, call  1.844.334.3875.

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