Credit Card
Building a successful financial plan takes the right resources. That’s why we work hard to provide you with quality financial services and products, like our convenient, flexible MasterCard® Credit Card. It’s accepted at thousands of locations worldwide for just about any type of purchase you can dream up. And, unlike those big out-of-town institutions, our card comes with the personal, friendly service you’ve come to expect from us. So, whatever your plans, choose the credit card that gives you all the vale and buying power you need to get your projects off the drawing board.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
12.00% Fixed
APR for Balance Transfers
None
APR for Cash Advances
12.00% Fixed
Penalty APR and When It Applies
None
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on retail purchases and/or cash advances on the transaction date.
Minimum Interest Charge
None
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 web site of the consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
None
Transaction Fees
Balance Transfer
None
Cash Advances
None
Foreign Transaction
Up to 1.0% Currency Conversion/0.90% Non-Currency
Penalty Fees
Late Payment
Up to $25.00
Over-the-Credit Limit
Up to $25.00
Returned Payment
Up to $18.00
Other Fees
None
How we will calculate your balance: We use a method called “average daily balance” (excluding new purchases). An explanation of this method is provided in your account agreement.
For more information about Bank of Pensacola credit cards, contact our Customer Service Representatives at 1-800-874-3121.