February 5, 2012
Legends Bank MasterCard® and Visa®
At a Glance
Legends Bank's MasterCard® and Visa® credit cards are low rate, no annual fee cards issued and serviced right here in Mid-Missouri. Have a question or problem - call and talk to someone you know, not some automated telephone system on the coast.
To report a LOST or STOLEN CREDIT CARD (after hours)
call 1-800-423-7503 immediately.
Features
- No annual fee or transaction fee for purchases.
- Low annual percentage rate of 11.75% Variable Rate*.
- 25 day grace period for repayment of the balance for purchases.
Legends Bank offers Travel Advantage - a package of free services and benefits provided just for you, our valued cardholder. These benefits are not included with most other cards, but we provide them to you at no additional charge. We hope you enjoy the Advantages of our card.
The benefits and services included in Travel Advantage are related to health care, travel, security, and insurance. See www.cardenhancements.com/travel/home.htm which describes each of the services to which you are entitled just for being our cardholder.
View your Credit Card Information on the web - for current account information on your Legends Bank Credit Card, see www.mycardstatement.com. ( Includes account balance, available credit, minimum payment, payment due date, last payment, and transactions posted since last statement.)
Annual Percentage Rate (APR) for Purchases and Cash Advances |
11.75% Variable Rate |
Variable Rate Information |
Your rate may vary. The rate is determined by adding the Prime Rate* and 8.50% for purchases and cash advances. |
How to Avoid Paying Interest on Purchases |
Your due date is at least 25 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 $.50. |
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 |
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Transaction Fees
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Penalty Fees
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Lesser of 5% of amount due or $25 $15.00 |
* The prime rate used to determine your APR for the billing period is the prime rate published in the Wall Street Journal on the 10th day of the prior month. |
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Merchant Services
Legends Bank offers a complete line of merchant services. We can handle all your credit card processing needs including MasterCard®, Visa®, Discover® and American Express®. Additionally, we can process all debit card applications.
We provide all of the equipment to meet your processing needs. If your business is considering using merchant services, stop by any of our locations or give us a call!
