Start Banking Conveniently From Your Smartphone by Simply Downloading Our Mobile Banking App Below.
Business Visa Credit Disclosure
This APR will vary with the market based on the Prime Rate*
This APR may be applied to your account if you:
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.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date.
If you are charged interest, the charge will be no less than $1.00
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
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.
How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
These disclosures are accurate as of October 17, 2019 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 430 N. Hamilton Road, Whitehall, Ohio 43213.
Making the switch has never been so easy! Come on over to Heartland...