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One Hundred Dollar Bill with Credit Card and Bank Check.

Credit Card Application

Credit Card Application

Credit Card Application

Important Information About Procedures For Opening A New Account and USA PATRIOT Act:
To help the government fight terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account such as your name, address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying documents.
I/We intend to apply for:(Required)
Selected Card:(Required)

Applicant Information

First Name and Last Name(Required)
MI and Suffix
MM slash DD slash YYYY
Physical Address (No P.O. Box)(Required)
Mailing Address (if different)(Required)
Resident Status(Required)
Employer Name(Required)
Citizenship(Required)
Bank Email Used For Communications With You
creditcard@callawaybank.com

Co-Application Information

First Name and Last Name(Required)
MI and Suffix
MM slash DD slash YYYY
Physical Address (No P.O. Box)(Required)
Mailing Address (if different)(Required)
Resident Status(Required)
Employer Name(Required)
Citizenship(Required)
I/We (hereinafter referred to as I) certify that all information provided in this application is true. I am 21 years of age or older. I authorize The Callaway Bank to obtain a credit report in connection with this application and from time to time after the Account is established, to verify that I continue to qualify for the account. The Callaway Bank may verify my credit, employment history and other information relating to me, and provide information to credit bureaus about the bank’s experience with me. I understand that credit approval is contingent upon income and creditworthiness. I will be liable for all account balances. Authorized users will have no financial responsibility for the account. For Authorized users, this account may be reported to the credit reporting agencies as an authorized user’s account. All correspondence including statements and notifications will be sent to the address listed on the account. I understand that the terms of my account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardholder Agreement. Please see Additional Disclosures continued on the opposite side of this page. I have read and agree to all terms, conditions, authorizations and disclosures provided within this credit application.
Clear Signature
MM slash DD slash YYYY
Clear Signature
MM slash DD slash YYYY

Advantage, Cash Back & Rewards:

Interest Rates and Charges

Account FeatureDetails
Account Feature
Annual Percentage Rate (APR) for Purchases and Balance Transfers
Details
Prime Rate +5.99% to Prime Rate +12.99% for Advantage Card
Prime Rate +8.99% to Prime Rate +15.99% for Reward Card
Prime Rate +8.99% to Prime Rate +15.99% for Cash Back Card
The APR (and the margin added to the Prime Rate to determine the APR) will be based on your creditworthiness and other factors as determined at the time of account opening. The APR will vary with the market based on the Prime Rate*
Account Feature
APR for Cash Advances
Details
Prime Rate plus 19.99% for Advantage, Rewards, and Cash Back cards. The APR will vary with the market based on Prime Rate*
Account Feature
Penalty APR
Details
None
Account Feature
Paying Interest
Details
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases or 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. You cannot avoid paying interest on cash advances.
Account Feature
Minimum Interest Charge
Details
None
Account Feature
For Credit Card Tips from the Consumer Financial Protection Bureau
Details
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

Annual FeeNone
Annual Fee
Transaction Fees
None

no

Annual Fee
Balance Transfer
None
Either $10 or 3% of the amount of each Balance Transfer, whichever is greater
Annual Fee
Cash Advance
None
Either $10 or 3% of the amount of each Cash Advance, whichever is greater
Annual Fee
Foreign Transaction
None
3% of the U.S. dollar amount of each transaction made in foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
Annual Fee
Penalty Fees
Annual Fee
Late Payment
None
Up to $25 assessed 1 day after payment due date
Annual Fee
Returned Payment
None
Up to $25

Credit Card Builder

Interest Rates and Charges

Account FeaturesDetails
Account Features
Annual Percentage Rate (APR) for Purchases and Balance Transfers
Details
Prime Rate +8.99% for Credit Builder Card
The APR (and the margin added to the Prime Rate to determine the APR) will be based on your creditworthiness and other factors as determined at the time of account opening. The APR will vary with the market based on the Prime Rate*
Account Features
APR for Cash Advances
Details
Prime Rate plus 19.99% for the Credit Builder Card. The APR will vary with the market based on Prime Rate*
Account Features
Penalty APR
Details
None
Account Features
Paying Interest
Details
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases or 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. You cannot avoid paying interest on cash advances.
Account Features
Minimum Interest Charge
Details
None
Account Features
For Credit Card Tips from the Consumer Financial Protection Bureau
Details
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

Account FeatureDetails
Account Feature
Annual Fee
Details
None
Account Feature
Transaction Fees
Details

no

Account Feature
Balance Transfer
Details
None
Account Feature
Cash Advance
Details
None
Account Feature
Foreign Transaction
Details
None
Account Feature
Penalty Fees
Account Feature
Late Payment
Details
Up to $5 assessed 1 day after payment due date
Account Feature
Returned Payment
Details
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 details.

Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

*Variable Rate Information: The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal as of the last day of the month (“Index”). In the event the Index is not published on the last day of the month, the Index published most recently prior to that date will be the Index used. We add a margin to the Index to get the APR that will apply to that category of transaction. Index changes will then take effect on the first day of your next billing cycle after the 15th day of the month. An increase in the Index will result in an increase to the APR’s, Interest Charges, and may result in an increase of the required Minimum Payment Due. Any change to the APR as a result of a change in the Index will apply to all outstanding balances for the category of transaction to which the variable rate applies. There is no limit to which the annual percentage rate may increase. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index.

Email Use: We will use your email address to send you servicing messages about your accounts with us and other product information. You will be able to opt out of receiving those messages, for example by clicking on a link that will be included in the e-mail. We won’t send nonpublic personal information about your accounts to this email address.

Cardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be provided with the Card. The Cardholder Agreement and the Account will be governed by Missouri and applicable federal law. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, upon notice to cardholder and subject to the provisions of applicable law.

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