Carroll County State Bank Consumer Credit Cards
Carroll County State Bank is committed to being your
"Hometown Bank". We are proud to serve the community of Carroll and the surrounding area. We are especially proud to offer a
truly unique "Hometown" credit card, a first of its kind for the
Carroll area. Please see the product details below and choose
your method to apply for one of these exclusive Carroll County State Bank credit cards.
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Product
Offering |
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Platinum Card
■ 0%
introductory rate for the first 12 months
**
■ No
annual or balance transfer fees
■ Zero
liability on unauthorized purchases *
■ Generous
credit line
■ Online
account access at
www.managemycreditcard.com
■ Platinum
benefits: travel accident insurance, auto rental collision
damage waiver, etc.
Platinum Rewards Program
■ Earn 1
point for every $1 in net purchases
■ Redeem
points for merchandise, gift certificates or travel
■ Ability
to "build your own rewards"
■ Track
points at
managemyrew.com
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Cash Rewards Card
■ 0%
introductory rate for the first 12 months ***
■ No
annual or balance transfer fees
■ Zero
liability on unauthorized purchases*
■ Generous
credit line
■ Online
account access at
www.managemycreditcard.com
Automatic Cash Back Rewards
■ No
additional fee for Cash Back Rewards
■ Earn 1%
cash back for every $1 in net purchases
■ Automatically
receive a $50 check after every $5,000 in net purchases
■ No
maximum
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Intro Rate |
0% for first 12 months on purchases
and balance transfers |
0% for first 12 months on purchases
and balance transfers |
| Purchase
APR |
Prime + 1.99%
Prime +
3.99%
Prime +
6.99%
Prime +
8.99%
Prime +
12.99% |
Prime + 8.99% |
|
Cash APR |
Prime + 10.99%
Floor of 19.99% |
Prime + 10.99%
Floor of 19.99% |
| Cash Fee |
3.5% or $5.00 |
3.5% or $5.00 |
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Nuisance Fees - Late, Overlimit, NSF |
$35 |
$35 |
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Additional Benefits |
■
$1,000,000 Travel accident insurance
■ Car rental insurance
■Optional Rewards Program - $19 one time enrollment fee
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■ Automatic 1%
Cash Reward; $50 check for $5000 purchases
■ Annual limit $1000
■ No Annual Fee
■ Car Rental Insurance
■ $1,000,000 travel accident insurance
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2 ways to apply -
- Paper application to fill out and mail:
Please stop in at one of the CCSB branches for a
application
Mail to:
Card Center
387 Fountain Square Plaza
Cincinnati, OH 45273-9276
or fax 513-358-3485
- Phone - Call 866-274-2328
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| 1.* Cardholder must meet these 3
conditions: 1. The cardholder must have exercised
reasonable care in safeguarding his or her card from
risk of loss or theft; 2. The cardholder must not have
reported two or more incidents of unauthorized use
within the preceding 12 months; 3. The account must be
in good standing.
2.** Platinum:
Upon qualification. Introductory rate is for the first
12 billing cycles and applies to purchases and balance
transfers. After the introductory period, the APR will
be variable. The APR for Purchases and Cash Advances is
based on the WSJ Prime Rate plus a margin, and the rate
is calculated monthly by adding the margin applicable to
the account to the WSJ Prime Rate. As of 06/09, the WSJ
Prime Rate is 3.25%. APRs are competitive and range from
7.24% to 16.24%. Variable APR is determined based on a
review of the cardholder's application and credit
history. Not everyone will qualify for the lowest rate.
Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99%
APR as of 06/09. Delinquency APR: 23.99%. Minimum
finance charge: $1.00. Cash advance fee: $5.00 or 3.50%
of the total dollar amount, whichever is greater.
3.*** Cash Rewards:
Upon qualification. Introductory rate is for the first
12 billing cycles and applies to purchases and balance
transfers. After the introductory period, the APR will
be variable. The APR for Purchases and Cash Advances is
based on the WSJ Prime Rate plus a margin, and the rate
is calculated monthly by adding the margin applicable to
the account to the WSJ Prime Rate. As of 06/09, the WSJ
Prime Rate is 3.25%. APR is a competitive 12.24%. Cash
Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR
as of 06/09. Delinquency APR: 23.99%. Minimum finance
charge: $1.00. Cash advance fee: $5.00 or 3.50% of the
total dollar amount, whichever is greater.
Foreign currency transaction fee: 3% of the U.S. dollar
amount of each Foreign Transaction that posts to your
account. See application for details.
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