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ADDITIONAL APPLICATION PROVISIONS A~~U~JmtLe'-f!jI!f!__nt@JUh_CLf~Jl9wjmJ_bef()re__!tjgni!1gjhCLA~_~M~~m~_f!_~erjlfj~~j~. You a sap pli ca nt re prese nt t hat you are a permanent u.s. resident at least 18 years of age, that the information supplied in the Acceptance C1?rtificate is complete and accurate, and tl'iat your Account will only be used for personal, family or household purposes. If you respond to this offer after the expiration date noted on the application, or if we determine that you are not the person to whom the offer was intended to be made based on credit information, the offered credit may not be extended. You authorize Chevron Credit Bank, National Association ("we", "us" or "our") to obtain a credit report from credit reporting agencies in considering this offer and for the purpose of an update, renewal, extension of credit, review or collection of your Account. Upon your request, we will inform you of the name and address of each credit reporting agency from which we obtained a credit report relating to you. You agree that there is no agreement between you and us until the first day we extend credit to you on your Account from our offices in Utah, as evidenced by a sales slip or memorandum, or other transaction initiated by you or by an authorized user of your Card or Account.
FEDERAL AND STATE NOTICES Service (finance) charges in amounts or at rates not in excess of those permitted by law will be charged on the outstanding balances from month to month. In making this offer of credit to you, we used credit information about you that we obtained from a consumer reporting agency. Based upon the information contained in a consumer report provided to us by a consumer reporting agency, you satisfied the credit eligibility requirements for the credit product offered in this mailing. You have the right to prevent a credit reporting agency from using information about you in its credit files in connection with transactions that you do not initiate. To exercise this right, notify the following reporting agencies: Equifax, P.O. Box 740123, Atlanta, GA 30374-0123; Experian Credit Marketing, P.O. Box 919, Allen, TX 75013; Trans Union Name Removal Option, P.O. Box 505, Woodlyn, PA 19004 or by calling 1(888) 567-8688. PRESCREEN & OPT-OUT NOTICE -fi17s"pres-cre-er"ied"off'-eroTcreCf,t is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, write to the' consumer reporting agencies noted in the above paragraph or call toll-free 1(888) 567-8688. California residents: Married applicants may apply separately for accounts in each of their own names. Ohio residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil right commission administers compliance with this law. Cards are issued by and credit is extended by Chevron Credit Bank, National Association, Murray, Utah. For information about the Card described in this Application, call 1-801-743-2000.
SUMMARY OF CREDIT TERMS
Annual Percentage Rate (APR) 210/0 for purchases APR for Cash Advances 21% Variable rate Information Your APR may vary. The APR for Purchases and Cash Advances is determined by adding 13.0 percentage points to the Prime Rate, but in no event will be less than 21%. The Prime Rate used to determine the APR is the highest Prime Rate as published in the "Money Rates" section of The Wall Street Journal on the last publication day of the calendar month preceding the calendar month in which the period begins. Grace period for the repayment 20 to 25 days (but when a non-Chevron or a non-Texaco membership of the balance for purchases program cash advance is made in any period, any purchases otherwise eligible for the grace period begin to accrue Finance Charges from the . date of the cash advance).' Method of computing the Average daily balance (including new purchases). balance for purchases Minimum Finance Charge $1. Late payment fee $0-15.2 Over-the-credit-limit fee $0-10.2 Transaction fee for cash advances 3% of the cash advance. Minimum fee $3.
Rates, fees and terms may change: We may change the rates, fees, and terms of your account at any time for any " reason. These reasons may be based on information in your credit report, such as your failure to make payments to another creditor when due, amounts owed to other creditors, the number of credit accounts outstanding, or the number of credit inquiries. These reasons may also include competitive or market-related factors.
1 There is no grace period for repayment of the balance for cash advances (including convenience checks) under non-Chevron or non-Texaco membership programs. Cash advances made under these membership programs have the same grace period for repayment as that for purchases, and these cash advances do not lose the grace period even when a subsequent non-Chevron or non-Texaco membership program cash advance is made. (Cash advances are currently available only by convenience check at promotional intervals that are determined solely by Chevron Credit Bank, N.A.) " 2 Based on ongoing credit evaluation as described in the Retail Instalment Credit Agreement. i The credits for fuel purchases are offered, oJ;Jerated, and administered solely by Chevron U.S.A. Inc. and are not obligations of Chevron Credit Bank, N.A. The credit card is issued by Chevron Credit Bank, N.A. and is not an obligation of Chevron U.S.A. Inc. The fuel credits are limited to electronic transactions only and exclude aviation fuel. The fuel credit incentive offer is not valid for applications received after the expiration date printed on the application.
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