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You choose to bank with us, so carry our card!

As your financial institution, we have a
credit card that is right for you, including Visa, MasterCard
Gold, Platinum Visa and the Flex Miles Card that rewards you
with free airline tickets.
These cards are accepted worldwide at
businesses, financial institutions and ATMs displaying the
CIRRUS logo.
There’s no easier way to apply. Just complete
this application and mail it back. Please complete the
Visa® &
MasterCard® application and mail to the address below. To
view this pdf document you will need Adobe Acrobat Reader, which
can be downloaded free of charge from Adobe by clicking on the
Get Acrobat Reader icon below.

We’ll quickly process your application so you
can start using your card right away.
Mail To:
Union State Bank #3450
Card Service Center
P. O. Box 569130
Dallas, TX 75356-8905
Enjoy the benefits of
FLEX MILES!
When you choose one of our Flex Miles cards,
in addition to a Preferred Rate on your card purchases you will
receive the following travel benefits:
-
1,000 Bonus Miles just for opening your
account
-
For every dollar you spend in purchases on
your enrolled card you’ll earn a matching Flex Miles point
toward free air travel!
-
Travel can be redeemed for as little as
18,000 points for a round-trip ticket up to a $360 value. You
can also accumulate miles toward greater rewards.
-
There are no blackout dates and no seat
restrictions. We make it easy for you to get to your
destination of your choice. After all, it’s YOUR VACATION!
-
Pre-Trip Assistance
-
Emergency Ticket Replacement
Use your Flex Miles card instead of cash or
checks for all those everyday purchases you’re already making –
everything from gasoline and groceries to car repairs and home
furnishings – and watch your Flex Miles add up fast!
| |
Platinum Flex Miles |
Classic Flex Miles |
Non
Mileage Card* |
| ANNUAL
% RATE FOR PURCHASES |
5.9%
until the end of 6 billing cycles from the date the
account is opened. After that
9 .15% |
5.9%
until the end of 6 billing cycles from the date the
account is opened. After that
11.15% |
5.9%
until the end of 6 billing cycles from the date the
account is opened. After that
13.15% |
|
Introductory Periodic Rate |
.492% |
.492% |
.492% |
|
Variable Rate Information |
Your
APR for purchases my vary. The rate is determined
monthly by adding a margin of 3.9% to the Prime Rate.
See explanation below.** |
Your
APR for purchases my vary. The rate is determined
monthly by adding a margin of 5.9% to the Prime Rate.
See explanation below.** |
Your
APR for purchases my vary. The rate is determined
monthly by adding a margin of 7.9% to the Prime Rate.
See explanation below.** |
|
Regular Periodic Rate |
.763% |
.929% |
1.096% |
| Penalty
APR |
Up to
21%. See explanation below*** |
Up to
21%. See explanation below*** |
Up to
21%. See explanation below*** |
| Annual
Fee |
$35
per card |
$35
per card |
none |
| Grace
Periods |
25 days
for purchases. No grace period for Cash Advances. |
25 days
for purchases. No grace period for Cash Advances. |
25 days
for purchases. No grace period for Cash Advances. |
| Method
of Computing Balances for Purchases and Cash Advances |
Average
daily balances (including New Purchases and Cash
Advances) |
Average
daily balances (including New Purchases and Cash
Advances) |
Average
daily balances (including New Purchases and Cash
Advances) |
| Cash
Advance Fee |
2% of
the amount of Cash Advance with a minimum of $2
|
2% of
the amount of Cash Advance with a minimum of $2
|
2% of
the amount of Cash Advance with a minimum of $2
|
|
Additional Fees |
Late
payment: $29
Over-the-limit: $29
NSF: $29
Pay-by-Phone: Up to $10 |
Late
payment: $29
Over-the-limit: $29
NSF: $29
Pay-by-Phone: Up to $10 |
Late
payment: $29
Over-the-limit: $29
NSF: $29
Pay-by-Phone: Up to $10 |
|
*Non Mileage card includes VISA Platinum, VISA
Classic and Gold MasterCard+
**After the introductory rate, the Annual
Percentage Rate (APR) will vary based on changes in the Index
(the National Prime Rate published in the Wall Street Journal).
The Index will be adjusted on the 25th day of each month or the
business day preceding the 25th day if that day falls on a
weekend or a holiday recognized by the Federal Reserve Bank.
Changes in the Index will take effect beginning with the first
billing cycle in the Month following a change in the Index.
Increases or decreases in the Index will cause the APR and
periodic rate to fluctuate, resulting in increased or decreased
Finance Charges on the account. As of December 24, 2004,
the index was 5.25%. The account will never have an APR
over 21%
***If you allow your account to become 60 days
past due, we may increase your Annual Percentage Rate on all
balances to a higher rate equal to the Index plus a margin of
10.9% up to a maximum of 21%. However, if your Rate is
increased, your account may become eligible for a lower Annual
Percentage Rate if you make timely payments for three
consecutive months.
+If you do not qualify for a Platinum Flex
Miles Card, you will automatically be offered a Classic Flex
Miles Card.
|
The information about the
cost of the Card described in this Table is accurate as of
January1, 2005. This information may change after that
date. To find out what may have changed, call us at
800-367-7576 or write:
Bank Card Center, P. O. Box 569120, Dallas, Texas 75356-9120 |
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