|
BENEFITS
| |
 Revolving lines
of credit |
| |
Low annual fees |
| |
Annual fee
waived for certain relationship accounts |
| |
|
Advantage Checking, Prime
Time Banking, Premier
Plus Checking, Premier
Checking, Regular Checking |
| |
Worldwide
acceptance at millions of locations |
| |
Cash access from
ATMs and financial institutions worldwide |
| |
Variable or
fixed rate products |
| |
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
| |
BSV Fixed Rate Visa or MasterCard |
| |
BSV Variable Rate Visa or MasterCard |
| |
BSV Visa or MasterCard Gold Cards* |
| |
*(Includes benefits package featuring Traveler's Assistance, Card Replacement, Insurance Package) |
 TOP |
|
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
TOP
|
|
RATES
|
Annual Percentage Rate |
Fixed Rate |
17.95%
APR on purchases
12%
APR on cash advances
Penalty rate APR: 26.95% |
|
Variable Rate |
BSV Prime*
+4.45%
on purchases and cash advances
Floor
12.95%
Penalty rate APR: BSV
Prime + 13.45% |
|
Gold Card |
BSV Prime*
+2.00%
on purchases and cash advances
Floor
8.95%
Penalty rate APR: BSV
Prime + 11.00% |
|
Annual Fee |
Fixed Rate |
$12.00 |
|
Variable Rate |
$18.00 |
|
Gold Card |
$39.00 |
|
Minimum Finance Charge |
$1.00 |
|
Grace Period for
Purchases |
25 days |
|
Method of
Computing balances For Purchases |
Average Daily Balance
(including new purchases) |
|
*For example, the BSV Prime Rate
on 10/12/06, was 8.50%, so the APR on the BSV Variable Rate Card
was 12.95% (floor) and the APR on the BSV Gold Card was 10.50%. If the BSV Prime Rate rises by one percentage point,
there is a corresponding increases point in the APR to 13.95% and
11.50%, respectively. |
|
All quotes
are accurate as of October 12, 2006, 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. |
TOP |
|
FEES
|
Cash Advance Fee |
2% of amount
advanced |
|
Late Fee |
$20.00 or 5%
of minimum payment, whichever is greater |
|
Overline Fee |
$20.00 |
TOP |
|
