| Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchases | 13.74%, 17.74% or 21.74% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 0% introductory APR for the first six billing cycles after account opening.
After that, your APR will be 13.74%, 17.74% or 21.74% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
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APR for Cash Advances | 21.99% This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | Up to 30.24%, based on your creditworthiness. This APR may be applied to your account if you: - Make a late payment;
- Go over your credit limit;
- Make a payment that is returned; or
- Do any of the above on another account you have with us.
This APR will vary with the market based on the Prime Rate. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will no longer apply to existing balances if you make the next 6 consecutive payments when due. The Penalty APR will apply to other balances indefinitely.
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How to Avoid Paying Interest on Purchases | Your due date is at least 23 days after the close of each billing cycle. We will not charge you 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 $2.00 ($0.50 for residents of Iowa at time of account opening). |
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.federalreserve.gov/creditcard. |
| Fees |
Annual Fee | $0 |
Transaction Fees: | |
| Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $5 or 3% of each transfer, whichever is greater; the maximum fee per transfer: $50, after that no maximum). |
| Either $10 or 3% of the amount of each cash advance, whichever is greater. |
The purchase of a money order, travelers' check, foreign currency, lottery ticket, gambling chips, or wire transfer is a cash advance
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Either $10 or 3% of the amount of each transaction, whichever is greater.
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| 3% of each transaction in U.S. dollars. |
Penalty Fees: | |
| Up to $35 (the amount of the fee varies by state, see below) |
| $0 |
| Up to $35 (the amount of the fee varies by state, see below) |
How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”. If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”.
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.
Terms and Conditions Continued:
Fees that Vary by State:
Late Payment Fee: Up to $35 ($15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 ($15 for residents of Iowa at time of account opening).
Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.
About Your Application and This Offer: Depending on our review of your application and your credit history or if the income you report is insufficient based on your current obligations, we may be unable to open an account for you. You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit. This offer is available only to applicants who are permanent residents of the United States, with the exception of Puerto Rico. This offer may not be available to you if you already have or have had a Credit Card account with us.
About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.
Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.
About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.
How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 06/24/2010 using a Prime Rate of 3.25%.
Important Information About Procedures for Opening a New Account: To help the government fight the funding of 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. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.
The information contained in these disclosures is accurate as of 06/24/2010 and may change after this date.
Information Sharing:
Barclays' Privacy Policy is available online at www.BarclaycardUS.com. Barclays Bank Delaware and Shopko Stores Operating Co., LLC ("Shopko") may share information about me and my account to the extent needed to administer my Shopko rewards™ Visa® program.
my Shopko rewards™ Visa® card Program ("Visa Rewards Program")
Your my Shopko rewards™ Visa® card is issued by Barclays Bank Delaware. Shopko is not a party to the Credit Card Agreement. By accepting this card, you agree that Barclays may share information regarding your account, including the account number and transaction information, with Shopko for the purposes of providing customer service to you for the Visa Rewards Program.
Rewards under the Visa Rewards Program are earned on purchases made with your my Shopko rewards™ Visa® card. Cardmembers do not earn points on balance transfers, convenience checks and cash advances unless specified otherwise. Points are not earned on unauthorized charges or fees of any kind, such as finance charges, late payment fees, annual fees, over limit fees, balance transfer fees, convenience check fees, and cash advance fees. Points may be subtracted for credits posted to the account during the period for returned purchases and/or adjustments. Changes made to the above list are at the sole discretion of Barclays.
Your account must remain open and in good standing to receive rewards offered under the Rewards Program. Good standing means you are not in Default under the Cardmember Agreement.
Earning Points under the Visa Rewards Program
Points will accumulate at 3 (three) points per one dollar ($1.00) spent on purchases at Shopko; 2 (two) points per one dollar ($1.00) spent on all family dining and entertainment purchases; and points for all other purchases will accumulate at 1 (one) point per one dollar ($1.00) spent. Family dining and entertainment purchases means purchases made at retail establishments classified by Visa, as restaurants, cruise lines, fast food restaurants, theatrical producers, membership for country clubs and private golf courses, recreational services, public golf courses, tourist attractions and exhibits, commercial professional sports, motion picture theaters, amusement parks, circuses, carnivals, fortune tellers, video tape rental, sporting and recreation camps, trailer parks and campgrounds, bands, orchestras, and entertainment, video tape distribution, aquariums, bowling alleys, motor home and RV rentals, video amusement game supplies, video game arcades, and billiard and pool establishments.
Point accumulations will be reported monthly on your billing statement. Reward points are not transferable. Each time you accumulate 1000 points, a $10 rewards coupon will be sent on your next month's billing statement. A maximum of eight coupons will be sent on one billing statement; however, points will continue to accumulate. Points are not transferable and will not expire. Coupons sent with your monthly statement will expire after 6 months if not redeemed.
Reward coupons can only be redeemed at participating Shopko locations in the United States, through the expiration date as permitted by law. Reward coupons can not be used as payment on this account. Reward coupons must be surrendered at the redemption and no photocopies will be honored. Reward coupons may not be redeemed for cash, and any unused portion will not be returned as cash unless otherwise noted on the coupon. Reward coupons are not transferable. Use of any reward coupon is subject to any additional restrictions listed on the coupon.
Bonus Points
Cardmembers will, upon first use of the account for a purchase, balance transfer, or cash advance, receive a savings pass worth 10% off a future Shopko purchase. This savings pass will be included in the first statement after you have made your first purchase, balance transfer, or cash advance. The savings pass must be used with my Shopko rewards™ Visa® card and presented at time of purchase. The savings pass cannot be combined, copied, transferred or sold and it is not valid on previous purchases or redeemable for cash. The discount is only good on purchases made at Shopko and it is not valid with any other offers or employee discounts. The discount does not apply to prescriptions, doctor's fees, eye exams, Ray-Ban sunwear, gift cards, disposable baby diapers, baby formula, gasoline and alcoholic beverages. Other restrictions apply. See back of savings pass for more information.
Other Restrictions
Barclays reserves the right to modify or cancel the Visa Rewards Program at any time. Points, rewards, and certificates have no value except as used in accordance with the Terms and Conditions of the Visa Rewards Program.
Determination and payment of tax liability related to participation in the Visa Rewards Program are the sole responsibility of the Cardmember.
The Visa Rewards Program is void where prohibited by federal, state or local law. Fraud or abuse relating to the accrual of points or rewards coupons may result in forfeiture of accrued points as well as cancellation of membership in the Visa Rewards Program.
©2010 Barclays Bank Delaware
