Please take a moment to carefully review the Pricing & Terms below. Rate, Fee and Other Cost Information Annual Percentage Rate (APR) for purchases (purchases include balance transfers) 7.99%Â fixed Other APRs Cash Advance APR: 19.99%Â variable Late Payment APR: Late twice in any six-month period: 19.99%Â variable on all balances. Overdraft Protection APR: 13.99% fixed (overdraft protection APR not available in some states) Variable rate information The cash advance APR and late payment APR vary monthly. They equal the Prime Rate* plus 15.24% for cash advances; and 15.24% on all balances if late twice in six months, but not less than 19.99% and 19.99% respectively. Grace period for repayment of purchase balances At least 20 days, but none for balance transfers or convenience checks. Method of computing the balance for purchases Two-cycle average daily balance method (including new purchases). Annual fee None Minimum finance charge $1.00 Transaction fee for certain purchases Purchase of wire transfers or money orders; purchase of foreign currency and travelers checks from other than a bank; and use of convenience checks: 3% of the amount of each purchase or check, but not less than $5.00 nor more than $50.00. Transaction fee for balance transfers 3% of the amount of each balance transfer, but not less than $5.00 nor more than $35.00. Transaction fees for cash advances ATM cash advances: 3.00% of the amount of the advance, but not less than $10.00. All other cash advances: 3.00% of the amount of the advance, but not less than $15.00. Other fees Late Payment Fee: $29.00Â Â Â Over-the-Credit-Limit Fee: $29.00 *The "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the 22nd day of each month if a business day; if not, on the next business day. Variable APRs are based on the 4.75% prime rate on 01/07/2002. Authorization: When you submit your certificate or application for this credit card offer from First USA Bank, N.A. ("First USA", "we" or "us"), you agree to the following: 1. You authorize us to obtain credit bureau reports in connection with your request for an account. If an account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or collection of your account. If you ask, we will tell you the name and address of each credit bureau from which we obtained a report about you. 2. If an account is opened, you will receive a Cardmember Agreement with your card(s). By using the account or any card, or authorizing their use, you agree to the terms of the Cardmember Agreement. 3. We will allocate payments to the lowest APR first. 4. Claims and disputes are subject to arbitration. 5. The terms of your account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement. We will review your credit history and income to determine if you qualify for a Visa card and, if so, your credit line. In certain instances, based on this review, you may receive a card with a credit line of less than $5,000. The minimum gross annual income required for a Visa card is $14,400. If you omit any information on the form, we may deny your request for an account. Platinum services are available only to Bank One Platinum cardmembers. First USA reserves the right to change the benefit features associated with your card at any time.
SOUNDS GOOD...BUT I CAN'T DO IT!!! They (FIRST USA/BANK ONE) "JACKED" one of our accounts for an UNSPECIFIED reason, SO I "JACKED" THEM (3 accounts $72,000+) DO YOU HAVE A "LINK" IF SOMEBODY IS INTERESTED???
Re: BankOne 7.99% fixed Platinum Vi jaj1701, Sorry, I forgot to put down the link and here it is: http://www.firstusa.com/cgi-bin/web...dir_name=b1_seasons_38613&page=cont&mkid=6N5P Ron.
Re: BankOne 7.99% fixed Platinum Vi They also have 9.9% fixed APR from BankOne and the link is: http://www.firstusa.com/cgi-bin/web...dir_name=b1_seasons_38612&page=cont&mkid=6N5Q Ron.
Re: BankOne 7.99% fixed Platinum Vi Before completing the application, you should be able to answer "Yes" to the following statements by checking the boxes: Yes, My credit history is clear of bankruptcy. Yes, My credit history is clear of seriously delinquent accounts. Yes, I have NOT been denied credit by Bank One or First USA Bank within the last 6 months.
Re: BankOne 7.99% fixed Platinum Vi LOGICAL...exact same application...exact same questions...7.99% and 9.99%... LET ME SEE...I THINK I'LL TAKE THE 9.99%...THE 7.99% IS TOO LOW!?!?!?!?!?!?!
Re: BankOne 7.99% fixed Platinum Vi Ron - Watch out for Bank One (And this is from a former rep). Ex: Payment due on the 20th - If payment is received on the 21st - LATE! And you get a late fee (As well as losing the intro rate) Miss it by one day again and you're at 19.99% Overlimit for one day (Even if you're below the limit when the statement is sent out) - Overlimit fee. Remember 20/20 doing stories on FirstUSA/Banc One holding payments 3 years ago (FirstUSA was accused of holding payments to make accounts late so they can charge fees) Bank One's stock plummeted after they announced "Due to First USA's aggressive late fee policy, we will not post a profit this quarter" I can't vouch for whether or not they've learned their lesson, but from the posts here it sounds like they haven't...
Re: BankOne 7.99% fixed Platinum Vi The rates seem pretty good, but it looks like they use two cycle billing to calculate finance charges like Discover, so you may end up paying a lot more than the 9.9% fixed rate cards that don't use two cycle billing.
Re: BankOne 7.99% fixed Platinum Vi My wife had a LATE FEE show up on her account...I investigated and the check cleared the bank one week before they said they got the check...long story short...they said "SORRY, computer error, we will credit the account within 24 hours"...
Re: BankOne 7.99% fixed Platinum Vi dfwgt, Thanks for the warning. I usually make on-l;ine payment as soon as the billing cycle ends each month. I have 1 First USA Yahoo! Visa Card for over 2 years and Smart Visa for over a year. I didn't have any problem with them so far. They lowered my Yahoo Visa rate from 13.99% to 10.99%. Recently they sent me two pre-select Free Cash Rewards Platinum Visa card offers from them.EARN 2500 points on the card, the choice of $25 or $25 gift certificate. The rate is 11.74%. I'm thinking to apply for one. Ron.
