Scorecard Rewards VISA®

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	11.95% Standard APR based on your credit worthiness.
APR for Balance Transfers	11.95% Standard APR based on your credit worthiness. This standard annual percentage rate (APR) will vary with the market based on the Prime Rate.
APR for Cash Advances	11.95% Standard APR based on your credit worthiness. This standard annual percentage rate (APR) will vary with the market based on the Prime Rate.
Penalty APR and When It Applies	18.95% This APR may be applied to your account if you: Make a late payment. Go over your credit limit twice in a six month period Make a payment that is returned or Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	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. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.00
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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees
Annual Fee	$30
Transaction Fees
• Balance Transfer	None
• Cash Advances	None
• Foreign Transaction	Up to 1%
Penalty Fees
• Late Payment	$25.00
• Returned Payment	None

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. All contents including rates, fees and premiums are accurate at the time of printing. For changes that may have been made after printing, please call Merchants and Planters Bank at (870) 523-3601.

Issued LocallyAccepted Worldwide

Issued Locally
Accepted Worldwide