Blackhawk Bank & Trust; A Quad Cities' locally owned bank : Personal Credit Cards

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Personal Visa Credit Cards
	When you use the Blackhawk Bank & Trust Visa® Platinum Card for the purchase of goods or services, you can take advantage of Travel Accident Insurance, Auto Rental Insurance, Credit Insurance, ScoreCard Rewards and much more! You can also feel confident that we offer local customer service. In addition, credit card payments are accepted at any Blackhawk Bank & Trust branch.

**Rates for Personal Visa® Credit Cards**
Interest Rates and Interest Charges	Visa® Platinum	Visa® Platinum Rewards
Annual Percentage Rate (APR) for Purchases	8.99% APR, 10.99% APR, 12.99% APR, 14.99% APR, or 16.99% APR depending on how you meet our credit criteria.	9.99% APR, 11.99% APR, 13.99% APR, 15.99% APR, or 17.99% APR depending on how you meet our credit criteria.
APR for Balance Transfers	8.99% APR, 10.99% APR, 12.99% APR, 14.99% APR, or 16.99% APR depending on how you meet our credit criteria.	9.99% APR, 11.99% APR, 13.99% APR, 15.99% APR, or 17.99% APR depending on how you meet our credit criteria.
APR for Cash Advances	19.99%	19.99%
Penalty APR and When it Applies	19.99% This APR may be applied if you are more than 60 days late in paying your bill. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of 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 balance transfers on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50.
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 web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees	Visa® Platinum	Visa® Platinum Rewards
Annual Fee	None	None
Transaction Fees
Balance Transfer	None
Cash Advances	Charge for cash advances in excess of $40.00 obtained through ATM's is 3% of the advance. Charge for cash advances obtained through any other source is 3% of the advance, $10.00 minimum, $50.00 maximum.
Foreign Transaction	1% of each transaction in U.S. Dollars.
Penalty Fees
Late Payment	Up to $25.00
Over-the-Credit-Limit	None
Returned Payment	Up to $25.00
Other Fees
Replacement Card Fee	$2.50
Rush Card Fee	We will charge a rush card fee of $25.00 for express delivery if requested.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These rates are effective and fees are effective as of May 01, 2010. Additional account details will be provided when you apply to become a cardholder.

Apply in Person
Apply in person when you visit any Blackhawk Bank & Trust Branch.

Request an Application
Call our Credit Card Department at (309) 787-9528 to request an application to be mailed to you. You may also call our toll-free number at (800) 559-2265 for a list of approved consumer credit counseling agencies.

Send us an Email
Feel free to contact us at info@choosethechief.com.
Please do not send private, confidential or sensitive information via email.

Lost or Stolen Credit Card
If your card has been lost or stolen, please contact us immediately during business hours at (309) 787-7567 or after regular business hours, call the toll free number at (800) 325-3678.

Commercial Visa Cards
Blackhawk Bank & Trust also offers Business Visa and Business Rewards Visa Cards. Click here to view
details.

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