Business Credit Card

 

Credit Cards Annual Percentage Rate Key Features
BUSINESS VISA 11.90%
(PRIME RATE + 8.65%)
Fixed rate and may adjust at Anniversary date
  • Same interest rate (Annual Percentage Rate) for Card; Cash Advances & Balance Transfers
  • Online access anytime with FREE online bill pay
  • Accepted Worldwide
  • 100% Fraud Liability Protection
  • Employee Cards with spending limits you control
  • Annual Fee of $29.95

 

Minimum Finance Charge

$1.50

Paying Interest

Your due date is at least to days after the close 01 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 and/or balance transfers on the transaction date.

Balance Transfer Fee

$5.00

Method of Computing the Balance for Purchases

Average Daily Balance Including New Purchases*

Foreign Transaction Fee

3.0%

A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 10 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 10-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 10 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account but excluding any unpaid finance charges.

A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 10 days from the closing date. If the new balance shown on your monthly statement for the prior billing cycle is paid in full within 10 days of the closing date of that statement, no finance charges will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles.

Late Payment Fee

Up to $25.00

Over-the-Credit Limit Fee

Up to $25.00

Temporary Increase Fee

$25.00

Replacement Card Fee

$10.00

Additional Card Fee

$5.00

The information about the costs of the cards described above is accurate as of September 2010. This information is subject to change. To receive the most up to date information. write us at First Florida Bank, PO Box 128, Destin, FL 32540.

 

Returned Checks
Return Fee of up to $25.00 will be charged for any returned checks

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