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$25 bonus - Bank of America : PNC World Points credit card; Exp. - 12/31/04

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#1 markber


    1 billion bucks

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  • 15,048 posts

Posted 05 December 2004 - 03:04 AM


Terms of bonus:

§§ To be eligible for the one-time $25 Statement Credit offer, respond to this online offer matching the source code "HVYB". Your new PNC WorldPoints account must be opened on or before December 31, 2004, and then used for a cash advance (includes balance transfers) or retail purchase transaction within 90 days of the date the account is opened by IBS (transaction fee may apply). Statement credit posts to the account within 8 to 12 weeks of the qualifying use. Limit one statement credit per account. Account must be open and have active charging privileges to receive the statement credit. Offer void where prohibited.

More info about the card:

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law.

Annual fee None.
Annual Percentage Rate (APR) for purchases 9.9%.
†Other APRs 2.9% Introductory APR for Balance Transfers and Cash Advance Checks through your first six statement Closing Dates, or earlier if your payment is late; after that, 9.9%.
See explanation below.
APR for Bank and ATM Cash Advances:19.99%.

Grace period for repayment of balance for purchases At least 25 days from the statement Closing Date (provided you have paid in full the New Balance Total from the previous statement by its Payment Due Date).
Method of computing the balance for purchases Average Daily Balance (including new transactions).
Transaction fees for cash advances and fees for paying late or exceeding the credit limit Transaction fee for Bank and ATM Cash Advances: 3% of each cash advance (minimum $5).
Transaction fee for Balance Transfers and Cash Advance Checks: 3% of each cash advance (minimum $10, maximum $75). Transaction fee for overdraft protection Bank Cash Advances: $5 for each overdraft transaction posted to your account.
Late-payment fee: Based on your balance on the business day after the Payment Due Date - $15 if $100 or less; $29 if between $100.01 and $1000; $39 if over $1000.

Over-the-credit-limit fee: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000.

Transaction fee for purchases Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, and casino gaming chips: 3% of each such purchase (minimum $5).

The Introductory APR is effective upon the opening of your account and is not applicable to Bank and ATM Cash Advances. When your minimum monthly payment is late (i.e., not received by 2 p.m., ET, on its Payment Due Date), or when the Introductory APR expires, the non-introductory APR is applied to new and outstanding balances (consisting of Balance Transfers and Cash Advance Checks). If your payment is late, the non-introductory APR is applied to those balances as of the first day of the billing cycle in which the payment was late or not received. The non-introductory APRs for your account may change. MBNA allocates your payments to balances (including new transactions) with lower APRs before balances with higher APRs.

I have read the terms and pricing disclosures for this account and by electronically transmitting this application, I indicate my agreement with each of the terms and conditions. I understand that I will be bound by each of the terms of the Credit Card Agreement, including arbitration.

I have read this application, and everything I have stated is true. I am at least 18 years of age and either a United States citizen or a permanent resident of the U.S., or I am at least 21 years of age and a permanent resident of Puerto Rico. I authorize MBNA America Bank, N.A. ("MBNA") to review my credit and employment histories and any other information in order to approve or decline this application, service my account and manage its relationship with me. I consent to MBNA's sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize MBNA to share with others, to the extent permitted by law, such information and its credit experience with me. In addition, I may as a Customer later indicate a preference to exempt my account from some of the information-sharing with other companies ("opt-out"). If I accept or use an account, I do so subject to the terms of this application and the Credit Card Agreement as it may be amended; I also agree to pay all charges incurred under such terms. I understand that if this application is approved for an account with credit line of less than $2,000, I will receive a Preferred card. I accept that on a periodic basis an account may be considered for automatic upgrade at MBNA's discretion. I consent to and authorize MBNA, any of its affiliates, or marketing associates to monitor and/or record any of my phone conversations with their representatives. MBNA may consider this application a duplicate if another MBNA credit application has been received from me within the past 90 days. The MBNA Privacy Notice is available online and accompanies the credit card.

The information contained in this advertisement was accurate as of 12/1/2004. The information may have changed after that date. To find out what may have changed you may contact MBNA America Bank, N.A., for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850. TTY users, please call 1-800-833-6262.

You received this offer because, according to the prequalifying report provided to PNC Bank by one of the credit reporting agencies listed below, you satisfied the criteria established by MBNA America for this offer. Receipt of a credit card and the maximum credit line is contingent upon an adequate level of income and creditworthiness. A Preferred Card with a credit line of at least $200 will be issued to those who meet the minimum criteria, except that, if we have received your response to any preapproved or preselected offer from MBNA within the past 90 days, we will consider this application a duplicate request for credit. If, upon evaluation of your completed application and information provided by others to us, we find you do not meet the criteria, credit may not be extended. You have the right to prohibit certain uses of the information in your files as maintained by any credit reporting agency. To assert this right you may call or write to the appropriate agency: Experian Consumer Opt Out, Experian Target Marketing Services, 701 Experian Parkway, Allen, TX 75002, phone: 1-800-353-0809; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, phone 1-888-567-8688; Trans union Corporation Marketing Opt Out, P.O. Box 97328, Jackson, MS 39288-7393. When writing, please include your name, address, social security number and signature.

¥ Optional Overdraft Protection: Upon approval of this credit card application, I authorize PNC Bank N.A. ("PNC Bank") with which I have a checking account and MBNA America Bank N.A. ("MBNA") to establish this credit card account as an overdraft protection account for my PNC Bank checking account. I authorize PNC Bank and MBNA to share whatever information is necessary to process this request and subsequent overdraft transactions. I understand that it may take approximately 10 days after my credit card account is opened for this request to be processed. I have read and agree to the terms of the Important Optional Overdraft Protection Information.

Important Optional Overdraft Protection Information: Overdraft transfers requested by PNC Bank will be Bank cash advances under your Credit Card Agreement and will be subject to the terms of both your Credit Card Agreement and the account agreement(s) governing your PNC Bank checking account. By authorizing PNC Bank to obtain a Bank cash advance on your PNC Bank credit card when your PNC Bank checking account is overdrawn, each day's total overdraft protection transactions will be transferred in an amount sufficient to cover the overdrawn amount, with a minimum transfer amount of $50, up to your available credit balance, regardless of who initiated the debit(s) that caused the overdraft condition. Transfers to your checking account from your credit card account are processed after the close of business Monday through Friday and the amount of available credit on your credit card account must be sufficient to cover all checks and other items creating an overdraft status received by PNC Bank that day; otherwise, one or more of the overdraft protection transactions for that day may be rejected. Transfers will be made for a minimum amount of $50; amounts over $50 will be rounded to the next highest whole dollar and will not include any applicable Bank cash advance transaction fee. For example, you have a balance of $25 in your checking account, and two checks for $35.25 and $205 are presented for payment, a Bank cash advance of $216 will post to your credit card account. You will also be assessed a Bank cash advance transaction fee of $5. This is in addition to any enrollment, insufficient funds or other fee that may be charged by PNC Bank to your checking account. MBNA reserves the right to accept or deny any overdraft protection request that would cause you to exceed your credit limit, and you may be assessed an overlimit fee during the billing cycle in which such transfer occurs. The overdraft feature will be automatically canceled if your credit card account is closed by either you or us at anytime.

§§ To be eligible for the one-time $25 Statement Credit offer, respond to this online offer matching the source code "HVYB". Your new PNC WorldPoints account must be opened on or before December 31, 2004, and then used for a cash advance (includes balance transfers) or retail purchase transaction within 90 days of the date the account is opened by IBS (transaction fee may apply). Statement credit posts to the account within 8 to 12 weeks of the qualifying use. Limit one statement credit per account. Account must be open and have active charging privileges to receive the statement credit. Offer void where prohibited.

*BALANCE TRANSFERS. Total value of transfer requests cannot exceed your credit line. MBNA sends either full or partial payment to your creditors in the order you list them. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Transfers are processed as cash advances as described in the Credit Card Agreement. Cash advances incur finance charges from the transaction date. If your available credit cannot accommodate any transaction, fee and/or finance charge, the account will be subject to over-the-credit-limit costs. Balance transfers and/or cash advances may not be used to pay off or pay down any MBNA account.

**Certain restrictions apply to each benefit. Details accompany new account materials. Preferred card benefits differ from Platinum Plus benefits (e.g., coverage amounts vary and some benefits are not available).

§ WorldPointsSM Rewards Highlights

These are highlights of the WorldPointsSM Rewards Program Rules: Each Customer receives complete Rules. See Online Rules at www.ibsworldpoints.com (the "Site"). The Rules are not part of the Credit Card Agreement: however, Claims arising from participation in the Program are subject to the Agreement's Arbitration provisions. WorldPoints credit card (the "Card") Customers are automatically enrolled in the WorldPoints Rewards Program ("Program"). Each cardholder, joint cardholder, and authorized user(s), if any, (referred to as "Cardholder(s)," "Participant(s)," "you," or "your") with a Card may earn and use WorldPoints points ("Point(s)") for car rental and hotel rewards in the United States; U.S. and worldwide air travel rewards; a variety of specially selected travel rewards; merchandise, gift card, or gift certificate rewards; cruise-related rewards; or cash rewards (collectively, "Rewards"). View a complete selection of merchandise at the Site: upon request receive a catalog with an abridged selection of merchandise. MBNA America Bank, N.A. ("MBNA") sponsors the Program. Carlson Companies, Inc. ("Carlson") manages the travel and merchandise rewards portions of the Program. All travel rewards must be booked through Carlson.

TRAVEL REWARDS are described in terms of required Points and corresponding maximum dollar value ("MDV"): Miscellaneous costs not included. All Rewards subject to availability.

Air. Point and corresponding MDV requirements: within the 48 continental U.S.: 25,000/$400; 48 states to Alaska, Hawaii, Canada, Mexico, the Caribbean, Puerto Rico, the Bahamas, or Bermuda: 35,000/$600; 48 states to Europe: 50,000/$800; and 48 states to Central or South America, Asia, Africa or South Pacific: 75,000/$1,200. Points and corresponding MDV required for first-class Air Rewards from the 48 states to any location listed above: 100,000/$1,500; 135,000/$2,000; 200,000/$3,000; 265,000/$4,000; 335,000/$5,000: Point and MDV requirements also apply should travel begin in AK, HI, PR, and end at a destination within the 48 states. References to the 48 states also include travel to and from the District of Columbia. MDV includes all taxes and destination fees except the September 11th Security Fee and any airline-imposed surcharges. Round-trip ticketing must be made by Carlson through SABRE on same U.S. carrier, approved by the Airline Reporting Corporation. Unless redeeming Points for first-class travel, ticket will be coach-class and the lowest available fare. Saturday night stay and 21 days' advance notice required. Most international travel: stay at least 7 but no more than 30 days. Check when booking. No stopovers of more than 4 hours; no limit on connections.

Car. Rent any car for any number of days with pickup and return to the same rental location within the U.S. For every 5,000 Points you redeem for an eligible car rental, you will receive a ($50) credit toward the cost of the rental. 5,000 Points = $50 MDV. 7-day advance reservations are required and arrangements are subject to availability. Credit, age and driver requirements apply. Miscellaneous costs are your responsibility. Additional terms may apply.

Hotel. Stay at a participating property in the U.S. in a standard single- or double- occupancy room. For every 5,000 Points you redeem, you will receive a ($50) credit toward the nightly cost of the accommodations. 5,000 Points = $50 MDV. 7-day advance reservations are required and accommodations are subject to availability. No minimum stay requirement. Miscellaneous costs are your responsibility. Additional terms may apply.

Cruise. Save on the cost of your cabin accommodations and/or shipboard expenses. For every 25,000 Points you redeem, you will receive a ($250) credit toward the cost of your shipboard accommodations. 25,000 Points = $250 MDV. For every ($100) of shipboard credit you request, you must redeem 10,000 Points. 10,000 Points = $100 MDV. All cruise operator booking terms apply, and accommodations are subject to availability. Additional terms may apply.

SPECIAL TRAVEL REWARDS such as cruise and vacation packages may be offered. Special terms may apply, including supplier's cancellation/refund policies. Point levels for these rewards to be based on value of reward

MERCHANDISE & GIFT CARD/CERTIFICATE REWARDS available at the Site or from the catalog. Goods of equal or similar value may be substituted if a Reward is unavailable. Merchant terms and/or restrictions may apply to availability and/or use of some Rewards. Most stock items ship prepaid to a street address within 48 business hours of receipt of order: no P.O. Boxes. Delivery beyond continental U.S. or expedited delivery subject to additional cost, if available. Subject to authorization, returns or exchanges must occur within 10 days of receipt of Reward. See details about shipping, returns and exchanges at the Site and in the catalog. Gift card/certificate expiration dates vary. Each merchant may place restrictions on the use of its gift card/certificate. Additional costs, if applicable, are left to the discretion of the merchant. Gift cards/certificates cannot be replaced if lost or stolen, are not exchangeable, refundable, transferable, redeemable for cash, and are void where prohibited by law.

CASH REWARDS available at the Site or by telephone. Cash reward check values and required Points: $12.50/2,500; $25/5,000; $37.50/7,500; $80/10,000; $120/15,000; $160/20,000; $250/25,000; $350/35,000 and $500/50,000. Check issued only upon request of Customer, is made payable as described in complete Rules, and will be mailed within 14 business days of request. Check expires 90 days after date of issue. No yearly limit: to qualify, account must have active charging privileges. Receipt of check does not affect responsibility to pay Total Minimum Payment.

GENERAL Earn 1 Point per dollar of new net retail purchases charged to the Card each month. Net Purchases are rounded to the nearest dollar. Cash advances, purchases of money orders or other cash equivalents, and unauthorized/fraudulent transactions do not earn Points. There is no limit to the number of Points you can earn. Points have no cash value except as described in connection with Cash Rewards; cannot be used to pay any credit card balance and are valid for 5 years. We may offer Bonus Points: details will accompany each offer. Unless authorized by us, Points and Rewards may not be combined with discounts or programs offered by any entity, including airline or credit card programs, in the U.S. or abroad. We may change the Program at any time. Suppliers of goods/services are neither agents nor employees of MBNA, Visa U.S.A. Inc., MasterCard International Inc., any of their affiliates, or any group endorsing MBNA programs. Travel fulfillment managed by Carlson Travel Group, Inc., an agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington State (6011237430) and other states, as required. Customers release MBNA, Carlson and associated parties from all liability in connection with the Program. Each Customer permits sharing of information necessary to fulfill the terms of the Program. For information about rights and responsibilities regarding the online portion of the Program, see the Site's Terms of Use. Customer is responsible for determining any tax liability arising from participation in the Program. We are not responsible for errors and/or omissions in any Program document. Program void where prohibited by law.

WORLDPOINTS ASSIST is available for personal use of the WorldPoints Customer, his or her spouse, and dependents under 22. Available by phone or online, 24 hours a day. Significant terms and conditions apply. You are responsible for the cost of any items or services arranged on your behalf. Details accompany new account materials. WorldPoints Assist is provided by LesConcierges, Inc.

WorldPoints Assist and WorldPointsSM are service marks of MBNA America Bank, N.A.

PNC and PNC Bank are registered service marks of The PNC Financial Services Group, Inc.

MBNA America, MBNA, MBNA.com, MBNA Net Access and Platinum Plus are service marks of MBNA America Bank, N.A.

Visa is a registered trademark of Visa International Service Association, and is used by MBNA pursuant to license.

MBNA America Bank, N.A., is the issuer and administrator of this credit card program.

©2004 MBNA America Bank, N.A., Member FDIC