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BENEFITS
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 Revolving lines
of credit |
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Low annual fees |
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Annual fee
waived for certain relationship accounts |
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Advantage Checking, Prime
Time Banking, Premier
Plus Checking, Premier
Checking, Regular Checking |
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Worldwide
acceptance at millions of locations |
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Cash access from
ATMs and financial institutions worldwide |
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Variable or
fixed rate products |
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Competitive
Interest Rates |
BSV maintains an in-house Bankcard
Center for your convenience. When you have a problem or a question
about a BSV cardholder or merchant account, call (434) 246-1134 or
(800) 619-5211. The
answer is as close as the nearest phone. For a full disclosure of
credit card terms, rates, fees and charges, call us at the numbers
listed, come in and see us, or e-mail us
for further questions on our Credit Cards.
Available Card Types
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BSV Fixed Rate Visa or MasterCard |
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BSV Variable Rate Visa or MasterCard |
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BSV Visa or MasterCard Gold Cards* |
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*(Includes benefits package featuring Traveler's Assistance, Card Replacement, Insurance Package) |
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IMPORTANT PHONE NUMBERS
To
report your lost or stolen BSV Visa, Visa Gold, Visa Purchasing Card,
MasterCard, or MasterCard Gold card:
During banking hours call the Bankcard
Center:
(434) 246-1134
(434) 246-1139
(800) 619-5211
After banking hours,
on weekends and on holidays:
(800) 556-5678
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RATES
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| Annual Percentage Rate (APR) for Purchases |
Fixed Rate |
15.95% |
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Variable Rate |
19.95% |
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Gold Card |
11.95% |
| The APR for the variable rate and Gold cards will vary with the market based on the Prime Rate. |
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APR for Balance Transfers |
Variable Rate |
15.95% |
| Fixed Rate |
19.95% |
|
Gold Card |
11.95% |
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The APR for the variable rate and Gold cards will vary with the market based on the Prime Rate. |
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APR for Cash Advances |
Variable Rate |
15.95% |
| Fixed Rate |
19.95% |
| Gold Card |
11.95% |
| The APR for the variable rate and Gold cards will vary with the market based on the Prime Rate. |
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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 any interest on purchases if you pay your entire balance by the due date each month. |
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Minimum Interest Charge |
If you are charged interest, the charge will be no less than $1.00. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federal reserve.gov/credit card. |
| Annual Fee |
$18 |
Variable Rate |
| $12 |
Fixed Rate |
| $39 |
Gold |
| Transaction Fees |
Balance Transfer |
$10 or 5% of the amount of each transfer will apply, whichever is greater. |
| Cash Advance |
2% of the amount advanced |
| Foreign Transaction |
2% of each transaction in U.S. dollars |
| Penalty Fees |
Late Payment |
5% of the unpaid portion of the Minimum Payment or $20.00, whichever is greater |
| Over-the Credit Limit |
Up to $20.00 |
| Returned Payment |
$35 |
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
*Variable Rate Information: The Prime Rate used to determine your APR is a variable rate and is the highest (U.S.) Prime Rate published in The Wall
Street Journal on the last day of the quarter. Prime Rate changes will then take effect on the first day of the next billing cycle. |
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All quotes
are accurate as of February, 2012, and are subject to change at any time. To obtain current information,
send your request to the BSV Bankcard Center, PO Box 40,
Carson, Virginia, 23830-0040 or call (434) 246-1134, (434)
246-5211 or (800)
619-5211. |
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