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VISA Secured Credit Card

What is a secured credit card?

A secured credit card works like any other credit card, except that it requires a security deposit. Once received, your deposit is placed in an interest-bearing account and held as collateral. If you have had trouble getting approved for an unsecured card, this type of card may be right for you.

A secured credit card gives you the flexibility to make purchases just like any other credit card as well as giving you the option to pay off your balance in full each month or over time. In addition, as a secured cardholder, your account activity will be reported to the three major credit bureaus. By making your payments on time, you will be well on your way to building or re-establishing your credit!

Features:

  • Low Variable Rate tied to Prime
  • Monthly Statements via Mail
  • Account access through the Internet
  • 24 Hour emergency Card/Cash Replacement
  • $150,000 Common Carrier accident Insurance and Baggage Delay Coverage
  • 24 Hour a Day, 7 Day a Week Live Customer Service

Cardholder Agreement



Apply Today!

To apply, visit your local Republic Bank banking center.
If you have any questions, please call us at 502-584-3600 or outside Louisville, call toll-free at 888-584-3600.


Already a Cardholder?

Check your balance, view statement history, make a payment and more.


ScoreCard® Rewards

Earn Free Travel or Merchandise with Republic Bank's ScoreCard Rewards! Track your rewards points or redeem them at www.scorecardrewards.com.



ScoreCard Rewards

Lost or Stolen Card?

To report a lost or stolen Republic Bank VISA Credit Card, please call 1-866-292-0856.

CREDIT DISCLOSURE
Interest Rate and Interest Charges
Annual Percentage Rate
(APR) for Purchases
8.45%
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
APR for Cash Advances 8.45%
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
How to Avoid Paying
Interest on Purchases
Your due date is at least 25 days
after the close of each billing cycle.
We will not charge you any interest
on purchases if you pay your entire
balance by the due date each month.
We will begin charging interest on
cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge
will be no less than $0.50.
For Credit Card Tips from
the Consumer Financial
Protection Bureau
To learn more about factors to consider
when applying for or using a credit card,
visit the website of the Consumer Financial
Protection Bureau at
http://www.consumerfinance.gov/learnmore
Fees
Annual Fee $50

Transaction Fees
• Cash Advance Fee

• International Transaction Fee


Either $3 or 3% of the amount of each cash
advance, whichever is greater.

0.8%
 single currency exchange per
transaction in U.S. Dollars.
1% multi-currency exchange per
transaction in U.S. Dollars.
Penalty Fees
• Late Payment Fee
• Returned Payment Fee

$25
$25
Other Fees
• Expedited Phone Payment

$6

How will we calculate your balance?: We use a method called "average daily balance (including new purchases)". See your Cardholder Account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Account Agreement.

The information about the costs of the card, which is offered by Republic Bank & Trust Company, described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed, write to us at:

Republic Bank
601 West Market Street
Louisville, Kentucky 40202-2700

Rate updates as of 11/3/14

The Annual Percentage Rate ("APR") is a variable rate. The APR shall be based on the highest Prime Rate listed in the Monthly Rate section of the Wall Street Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day) and adding 5.2% to that rate, not to exceed 21%. Any change in the APR will go into effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the Wall Street Journal published Prime Rate change and may result in an increase or decrease in the INTEREST CHARGE imposed on your account.

Ohio Residents Only: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Republicbank.com Information 1-888-782-3333
Taxpayer Assistance 1-866-581-1040
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Member FDIC. Equal Housing Lender. Equal Opportunity Lender.