PERSONAL BANKING

CREDIT CARDS


The BSV Visa or MasterCard has low annual fees and competitive interest rates. Variable or fixed rate and revolving lines of credit are available. It is accepted at millions of locations worldwide and allows you to withdraw cash from ATMs and financial institutions worldwide.

Available Card Types

  • BSV Fixed Rate Visa or MasterCard
  • BSV Variable Rate Visa or MasterCard
  • BSV Visa or MasterCard Gold Cards

The annual fee is waived for these relationship products:


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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

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.

APR for Balance Transfers

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.

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.

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.

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

Fees

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

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.

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.