Clear Advantage: It's cool, it's clear, and it will evolve with you to meet your changing needs. This online/offline card may be the only card you'll ever need. The VISA with a smart chip can be used worldwide at offline merchants or on the world wide web—wherever VISA is accepted.
Clear Technology: The VISA with a smart chip will provide you with a new level of online security and convenience in the future.
Clear Security: The VISA with a smart chip can help protect your security while preserving your privacy. This card comes with our $0 liability* policy. You never pay a penny for any unauthorized use of your card. You shop worry-free, online or offline.
Clear Choice: VISA is one of the coolest cards you can carry. It's the clearly smart choice! What else would you expect from the card of the future? 0% intro APR for purchases! Visa Cards from Financial Corporation The intro APR applies for two or three billing periods after account opening, depending on account type; scroll down for important terms & conditions. 30-second online credit decision Subject to verification advanced smart chip technology $0 liability for unauthorized use Scroll down for $0 Liability Policy conditions See below for important terms & conditions Important Terms & Conditions When you complete and submit your application, you will be considered for the following four accounts issued by National Bank: GetSmart Visa® Platinum, GetSmart Visa Gold Prestige, GetSmart Visa Gold Preferred and GetSmart Visa Classic. The specific account type you receive, if any, will be based on information you provide and/or information contained in your credit report. To view the terms for each account: either scroll down or click on the links below. GetSmart Visa Platinum GetSmart Visa Gold Prestige GetSmart Visa Gold Preferred GetSmart Visa Classic Application Terms and Conditions GetSmart Visa Platinum Annual percentage rate ("APR") for purchases 0% for the first 3 monthly billing periods that your account is open ("Introductory Period"). After that, 9.99% variable. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 19.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Variable rate information Your APR may vary. The APR is determined by adding 3.24% to the Prime Rate published in The Wall Street Journal on the first business day of the previous calendar month. Grace period for purchases At least 25 days if the New Balance is paid in full. Balance calculation method Average daily balance (including new purchases). Annual fee $0 Minimum finance charge $0 Cash advance fee: 3% of the advance ($5 minimum) Late fee: $29 Overlimit fee: $29 Additional rate information: The APR for balance transfers is 0% for the Introductory Period. After that, the APR for balance transfers may vary and is currently 9.99%. It is determined by adding 3.24% to the Prime Rate published in The Wall Street Journal on the first business day of the previous calendar month. If your minimum payment is received late 2 or more times during any 6-month period, this APR will change to 19.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. An APR of 21.99% will apply to cash advances. Payments will be applied first to purchases, then to balance transfers, and finally to cash advances. Credit line: Your initial credit line will be $5,000. This credit line can be used for purchases, cash advances, and balance transfers. If you transfer balances from other lenders, you may qualify for a higher credit line (maximum $25,000), depending on your credit history, the information you provide, the amount you transfer, and your account balance at the time of the transfer(s). Payment requests: If you request a single payment by phone from your personal checking account to your GetSmart VISA credit card account, your first request each calendar year is free of charge, and a $4.95 fee may apply to each additional request. The information above is accurate as of August 12, 2001 and is subject to change. For information after this date, please return to GetSmart Visa or write to , Attn: GetSmart Visa, P.O. Box 9157, Pleasanton, CA 94566-9157. return to top GetSmart Visa Gold Prestige Annual percentage rate ("APR") for purchases 0% for the first 2 monthly billing periods that your account is open. After that, 16.99% variable. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 25.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Variable rate information Your APR may vary. The APR is determined by adding 10.24% to the Prime Rate published in The Wall Street Journal on the first business day of the previous calendar month. Grace period for purchases At least 25 days if the New Balance is paid in full. Balance calculation method Average daily balance (including new purchases). Annual fee $0 Minimum finance charge $0 Cash advance fee: 3% of the advance ($5 minimum) Late fee: $29 Overlimit fee: $29 Additional rate information: An APR of 21.99% will apply to cash advances. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 25.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Credit lines: Your initial credit line will be $2,000, of which $200 will be available for cash advances. Payments will be applied to purchases before cash advances. Credit line increases: Based on your credit performance and account use, you may earn automatic line increases at no extra cost. Additionally, you may receive offers of more credit for which fees of $49 to $99 may apply. Payment requests: If you request a single payment by phone from your personal checking account to your GetSmart VISA credit card account, your first request each calendar year is free of charge, and a $4.95 fee may apply to each additional request. The information above is accurate as of August 12, 2001 and is subject to change. For information after this date, please return to GetSmart Visa or write to , Attn: GetSmart Visa, P.O. Box 9157, Pleasanton, CA 94566-9157. return to top GetSmart Visa Gold Preferred Annual percentage rate ("APR") for purchases 0% for the first 2 monthly billing periods that your account is open. After that, 19.99% variable. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 25.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Variable rate information Your APR may vary. The APR is determined by adding 13.24% to the Prime Rate published in The Wall Street Journal on the first business day of the previous calendar month. Grace period for purchases At least 25 days if the New Balance is paid in full. Balance calculation method Average daily balance (including new purchases). Annual fee $0 Minimum finance charge $0 Cash advance fee: 3% of the advance ($5 minimum) Late fee: $29 Overlimit fee: $29 Additional rate information: An APR of 21.99% will apply to cash advances. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 25.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Credit line: Your initial credit line will be $1,000, of which $200 will be available for cash advances. Payments will be applied to purchases before cash advances. Credit line increases: Based on your credit performance and account use, you may earn automatic line increases at no extra cost. Additionally, you may receive offers of more credit for which fees of $49 to $99 may apply. Payment requests: If you request a single payment by phone from your personal checking account to your GetSmart VISA credit card account, your first request each calendar year is free of change, and a $4.95 fee may apply to each additional request. The information above is accurate as of August 12, 2001 and is subject to change. For information after this date, please return to GetSmart Visa or write to , Attn: GetSmart Visa, P.O. Box 9157, Pleasanton, CA 94566-9157 return to top GetSmart Visa Classic Annual percentage rate ("APR") for purchases 0% for the first 2 monthly billing periods that your account is open. After that, 23.99%. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 27.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Grace period for purchases At least 25 days if the New Balance is paid in full. Balance calculation method Average daily balance (including new purchases). Fees for issuance and availability One-time processing fee*: $0 or $29 Annual fee*: $0, $59 or $89 (billed on your first statement as part of your balance). Minimum finance charge $0 Cash advance fee: 3% of the advance ($5 minimum) Late fee: $29 Overlimit fee: $29 Visa Cards from Financial Corporation *Determined based on information you provide and/or information contained in your credit report. Additional rate information: The APR for cash advances is 23.99%. If your minimum payment is received late 2 or more times during any 6-month period, this rate will change to 27.99% (but not during the Introductory Period). Your APR will return to the most recent non-introductory rate if you make 12 consecutive timely minimum payments. Credit line: You will have an initial credit line of up to $1,000. Initially, 50% of your total credit line will be available for cash advances. After that, the amount available for cash advances may be adjusted depending on account performance and will be shown on your statement. Payments will be applied to purchases before cash advances. Credit line increases: Based on your credit performance and account use, you may earn automatic line increases at no extra cost. Additionally, you may receive offers of more credit for which fees of $49 to $99 may apply. Payment requests: If you request a single payment by phone from your personal checking account to your GetSmart VISA credit card account, your first request each calendar year is free of charge, and a $4.95 fee may apply to each additional request. The information above is accurate as of August 12, 2001 and is subject to change. For information after this date, please return to GetSmart Visa or write to , Attn: GetSmart Visa, P.O. Box 9157, Pleasanton, CA 94566-9157. return to top Application Terms and Conditions By applying for a GetSmart Visa account, you acknowledge and agree that: (1) you are at least 18 years old; (2) all information you provide is accurate and complete; (3) your account will be used only for personal, family, or household purposes; (4) the issuer of your GetSmart card, National Bank ("we"), may check your credit information you provide; and (5) we may request credit reports in connection with this application and to review your account. Upon request, we will tell you if we obtained credit reports and the name and address of any consumer reporting agencies that provided the reports. You authorize us to furnish information concerning your account to consumer reporting agencies and others who help service your account. When you use the account, you agree to be bound by the Account Agreement. There are additional terms describing the features and benefits of your account which will be sent to you when you become a cardholder. A married applicant may apply for credit in his or her name. An account may not be available to you if you or a member of your household already have a credit account with us. New York residents: New York residents may contact the New York state banking department to obtain a comparative listing of credit card rates, fees and grace periods. Call (800) 518-8866. Ohio residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers, and that credit reporting agencies maintain separate credit histories on each individual request. The Ohio civil rights commission administers compliance with this law. return to top $0 Liability Policy Shop worry-free online and offline. With our $0 liability policy you never pay a penny for unauthorized use of your card. Of course, if you allow someone else to use your card, you may be responsible for all their charges. return to top VISA is clearly smart. Here's why:
Clear Choice: VISA is one of the coolest cards you can carry. It's the clearly smart choice! What else would you expect from the card of the future? © 1999-2001 Financial Corporation. All rights reserved.