CARDHOLDER AGREEMENT                                                WCS CFPB 07/13 

The person (Cardholder) whose name appears on the face of the Visa Card (Card) by retaining, using or 
permitting others to use such Card and the account represented by the Card, accepts the same subject 
to the following terms and agrees with Wheatland Card Solutions (Issuer).  

1. USING YOUR ACCOUNT: You, the Cardholder, authorize Issuer to pay for your Card account, all items 
reflecting purchases and cash advances made or obtained through the use of your Card account upon 
presentment to Issuer, and you promise to pay for all such purchases and cash advances, together with 
all applicable INTEREST and fees, as hereafter set forth. You acknowledge that this account will not be 
used for business purposes.  

2. PAYMENT: 
2.1 Issuer will furnish you with a monthly statement for purchases and cash advances made on your 
account and you agree to pay Issuer in not less than 25 days from the closing date shown on the 
statement, either (a) the New balance, or (b) a minimum payment of 1% of all balances plus billed 
interest plus all past due amounts, or $25, whichever is greater.  

2.2 Any credits posted to your account will not affect the minimum monthly payment. Your failure to 
pay the minimum payment each month by the payment due date will cause your account to be 
delinquent. Application of payments will be at our discretion. If different APRs apply to different 
balances, we will allocate any amount you pay in excess of the required minimum payment due first to 
the balance with the highest APR and any remaining portion to the other balances in APR descending 
order. Each monthly statement will be considered a correct statement unless you establish a billing 
error under the provisions of the Federal Truth in Lending Act.  

2.3 Issuer may accept letters, checks or other types of payment showing “payment in full” or other 
language indicating satisfaction of your debt, without waiving any of Issuer’s rights to receive full 
payment under this Agreement. You must send this communication to the address in the Billing Rights 
Summary on your statement. Satisfaction of your debt for less than the full amount due requires a 
written agreement, signed by an authorized Issuer associate.  

2.4 Payments must be made by check, money order or electronically and payable in U.S. dollars. If you 
request a payment by phone, a fee will apply and we may ask for security information, for your 
protection. Same day payments by phone cannot be edited or cancelled. We are not obligated to accept 
any payment that is not drawn on the U.S. Post Office or a financial institution located in the United 
States.  

2.5 When you provide a check as payment, you authorize us either to use information from your check 
to make a one-time electronic fund transfer from your account or to process the payment as a check 
transaction. When we use information from your check to make an electronic fund transfer, funds may 
be withdrawn from your account as soon as the same day we receive your payment. The statements are 
proof of payment and copies of your checks are available for up to 2 years.  

2.6 Without prior notice to you, we may refuse to accept or may accept in good faith, any check 
presented as a payment on your account which is more than six (6) months old. We may process the 
payment before the date shown on the check unless you have given us three (3) business days or more 
advance written notice that a postdated check will be presented as payment. You must send the 
advance notice communication to the address in the Billing Rights Summary on your statement.  

 
 
 
 
 
 
 
 
 
3. GRACE PERIOD: See the Paying Interest section in the Table of Charges.  

4. BALANCE SUBJECT TO INTEREST: We use an average daily balance method (including new 
transactions) to calculate periodic INTEREST. We do this separately with each of your different balances. 
These balances include, for example, purchases, balance transfers, cash advances, and different 
promotional balances. We figure the periodic INTEREST by multiplying the daily balance for each of the 
balance categories by the daily periodic rate for each of those categories. Each daily periodic rate is 
calculated by dividing its corresponding APR by 365. We do this for each day in the billing period. To get 
a daily balance, we start with the balance as of the end of the previous day. We add any new 
transactions, fees, other charges, and debit adjustments that apply to that category. We then subtract 
from that balance any payments, credits, or credit adjustments that apply to that balance category and 
that are credited as of that day. We treat a credit balance as a balance of zero. For each balance 
category, the balance subject to INTEREST is the average of the daily balances during the billing period. 
If you multiply this figure for each balance category by its daily periodic rate and by the number of days 
in the billing period, the result is the daily periodic INTEREST for each of your different balance 
categories. We add up all the daily periodic INTEREST for the balance categories and the sum of which is 
the total periodic INTEREST for the billing period. Rounding may cause minor variations.  

5. BALANCE TRANSFERS: Balance transfer transactions are purchase transactions, but do not receive a 
grace period. INTEREST accrues from the date of posting. A fee will apply to the amount of each balance 
transfer. Balance transfers do not earn reward program points. You cannot transfer: any existing 
balances on any Issuer accounts; any business debt; any debt that is not owed by you; or any balances 
owed to creditors outside the United States. Issuer reserves the right to refuse any balance transfer 
request for any reason, including for revolving debt that Issuer believes excessive. See the Table of 
Charges for the fee amount.  

6. CASH ADVANCE TRANSACTIONS: A cash advance fee will be charged to your account for each cash 
advance transaction. Cash advance transactions are non-purchase transactions which include, but are 
not limited to, ATM transactions, teller transactions, convenience checks, quasi cash advance 
transactions, and overdraft cash advance transactions. Quasi cash advance transactions are cash 
advance transactions which include, but are not limited to, wire transfers, foreign currency, traveler’s 
checks, money orders, wagering, and remote stored value. Overdraft cash advance transactions are cash 
advance transactions resulting from a Issuer checking account in overdraft status. See the Table of 
Charges for each fee amount.  

7. MINIMUM INTEREST: If your Card is charged INTEREST, the charge will be no less than $1.50. This 
amount will appear as a fee on your statement.  

8. ANNUAL FEE: None.  

9. LATE PAYMENT FEE: A late payment fee will be debited to your account as a purchase if your 
payment is not received by the payment due date. For your first instance of a late payment, the fee will 
not exceed $25. If the second instance occurs within six (6) months of the first instance, the fee will not 
exceed $35. These fees are listed in the Table of Charges.  

10. LIABILITY FOR UNAUTHORIZED USE OF YOUR CARD AND LOSS OF CARD: You may be liable for the 
unauthorized use of your Card if, based on substantial evidence, you were grossly negligent in the 
handling of the account or Card. Please immediately notify Issuer in writing at P.O. Box 2235, Wichita, KS 

 
 
 
 
 
 
 
 
67201, or orally by calling 888-521-8529, of loss, theft or possible unauthorized use of your Card or 
convenience checks.  

11. LIABILITY AND AUTHORIZED USERS: If more than one Card is issued on the account, all Cardholders 
holding Cards with the same account number shall be jointly and severally liable on the account. You 
may allow authorized users on your account in the following ways: (1) by notifying us that you want 
someone added to your account as an authorized user; (2) by lending your Card or account number to 
another; or (3) by any other way in which you would be legally considered to have allowed another to 
use your account or to be legally prevented from denying that you did so. Carefully consider allowing 
anyone to become an authorized user because you authorize the person to use your account to the 
same extent that you can, including but not limited to, making purchases, cash advances, balance 
transfers and allowing others to use your account. Your account does not permit you to limit the nature 
or amount of authority you give to any authorized user and you will not attempt to do so. An authorized 
user’s authority will continue until you both notify Issuer that you are terminating that authority and 
you physically retrieve the Card. If you cannot retrieve the Card, you will remain liable for any 
transactions that we cannot prevent after you notify us.  

12. LEGAL TRANSACTIONS: 
12.1 You will only use your Card for transactions that are legal where you reside. Display of a Visa logo 
by an online merchant does not mean that an Internet transaction is legal where you live. Issuer will not 
be liable if you engage in an illegal transaction.  

12.2 Issuer complies with the Unlawful Internet Gambling Enforcement Act of 2006. This Act requires us 
to establish policies and procedures to identify and block, or otherwise prevent or prohibit, unlawful 
Internet gambling transactions. For example, Internet gambling transactions may be illegal in your state.  

13. AUTHORIZATIONS: Some transactions require our prior authorization. Issuer may limit the number 
of authorizations we give in a day. Issuer may deny authorization if you are delinquent, if Issuer suspects 
fraudulent activity or for other reasons. You are liable for any transaction Issuer authorizes, even if 
Issuer should not have authorized it, because you are or would be delinquent as a result of the 
transaction.  

14. ESTABLISHED CREDIT LIMIT: You agree to keep the total balance on your account within the credit 
limit established by Issuer, which has been previously disclosed to you. Issuer may change your credit 
limit at any time. Issuer may, but is not required to, approve transactions that exceed your available 
credit limit. If your account balance exceeds your credit limit and you fail to pay the entire minimum 
monthly payment shown on your next monthly statement, which will include all sums necessary to 
reduce your balance to your credit limit as required in the Payment section of this Agreement, your 
account will be reported as delinquent and past due on your next monthly statement. At Issuer’s 
discretion, you will not be permitted to access the amount of credit in your account equal to the amount 
of any check you send to the Issuer as a payment for a period of 15 days from the date your payment 
was posted to your account.  

15. IMMEDIATE REPAYMENT/TERMINATION OF ACCOUNT: Issuer may declare the entire amount of 
your account immediately due and payable, subject to provisions of law, upon the occurrence of one of 
the following events: (1) your account is delinquent or past due, (2) your account balance exceeds the 
established credit limit, (3) upon your death, bankruptcy or insolvency, (4) the prospect of payment or 
performance is significantly impaired. Issuer may, at its sole discretion, reduce your credit limit, decline 
to make further advances on your account, decline to reissue any Card or convenience checks on your 
account, revoke or close your account. If you do not use your Card at least once in 12 months, Issuer 

 
 
 
 
 
 
 
may, as permitted by applicable law, close your account. If your account is closed, you remain 
responsible for paying any amounts owed on the account according to the terms of this Agreement. If 
you move outside of the United States after your account is opened, your Card may not be reissued at 
its next expiration date.  

16. AMENDMENTS: This Agreement may be amended by Issuer at any time; this may include a change 
to the APR and/or fees.  

17. ACCEPTANCE OF CARD OR CONVENIENCE CHECKS: Issuer is not responsible for the failure of any 
merchant or financial institution to accept or honor your Card or convenience checks. A convenience 
check may be returned unpaid if there is not enough available credit on your account to pay it, if your 
Card or convenience checks have been reported lost or stolen, if the convenience check is post-dated 
(shows a future date) or a credit review indicates a potential problem with your account. If you make a 
purchase on your account, and the merchant discloses a policy such as “no returns,” “no refunds,” “no 
return or credit without receipt,” “as is,” “store credit only,” “all sales final,” or similar statements, you 
will be bound by that policy.  

18. OTHER FEES: 
18.1 Unless a billing error has been disclosed in your monthly statement, your account may be debited 
as a purchase for each copy requested by you of a sale, refund or cash advance slip; or monthly 
statement. See the Table of Charges for the fee amounts. 

18.2 A return check fee will be debited to your account as a purchase for each payment you make on 
your account with an insufficient funds check. For your first instance of a return check, the fee will not 
exceed $25. If the second instance occurs within six (6) months of the first instance, the fee will not 
exceed $35.  

19. FOREIGN TRANSACTION FEE: 
19.1 A foreign transaction fee will be assessed on all transactions where the merchant country differs 
from the country of Issuer.  

19.2 A foreign transaction fee will also be assessed if you make a transaction in a currency other than 
U.S. dollars. In that case, Visa will convert the charge or credit in to a U.S. dollar amount. The exchange 
rate on the processing date may differ from the rate on the date of your transaction. Visa uses an 
exchange rate of either: (1) a rate selected by Visa or from the range of rates available in wholesale 
currency markets for the applicable central processing date, this rate may vary from the rate Visa itself 
receives, or (2) the government-mandated rate in effect for the applicable central processing date. In 
each instance, the exchange rate is increased by an adjustment factor determined by the Issuer.  

19.3 The foreign transaction fee is subject to change without notice and is currently 3% of the U.S. dollar 
amount of the transaction, of which Issuer receives 2% and Visa receives 1%.  

20. UPDATED FINANCIAL INFORMATION: Issuer may request from consumer reporting agencies from 
time to time new consumer credit reports on you or request new financial information directly from you 
for the purpose of updating Issuer’s records. Issuer may rely on the contents of such reports or other 
empirically derived financial information to close your account and reduce the credit line on your 
account.  

21. NOT SECURED CREDIT: Your account is not secured credit. Issuer retains no security regardless of 
any other agreement you may have with Issuer.  

 
 
 
 
 
 
 
 
 
 
22. COLLECTION COSTS AND ATTORNEY FEE: In the event Issuer must incur collection costs or attorney 
fees in connection with your account, as permitted by applicable law, you agree to pay the reasonable 
costs of collection, including, but not limited to, court costs, attorney fees and collection agency fees in 
an amount not to exceed 15% of the unpaid balance on your account.  

23. SIGNING YOUR CARD: Your Card must be signed by the person whose name is embossed on it in 
order to be valid.  

24. TELEPHONE CONTACT AND MONITORING: Issuer or its agents may contact you at any telephone 
number you provide Issuer. You agree to receive calls and messages, including pre-recorded messages, 
at that number, including calls placed with an automatic telephone dialer (auto-dialer). Issuer may listen 
to and record telephone calls between you and us for the purpose of monitoring and improving the 
quality of service you receive.  

25. ACCOUNT NOTIFICATION: Issuer may contact you from time to time regarding your Card and 
account. Account materials (Cards, statements and other notices) will be sent to the liable party at the 
billing address. That person will be responsible for delivering those materials to the other liable parties 
and authorized users. Notice to any of you will be considered notice to all of you.  

26. GOVERNING LAW/ASSIGNMENT: This Agreement is governed by the laws of Kansas and the 
invalidity of any term of this Agreement shall not affect the validity of any other term or condition. You 
agree that we may assign and transfer your account, this Agreement and our rights and obligations 
hereunder to others. The person(s) to whom we assign this Agreement shall be entitled to all of our 
rights under this Agreement.  

27. BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information 
about your rights and our responsibilities under the Fair Credit Billing Act.  

27.1 Notify Us In Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you 
need more information about a transaction on your bill, write us on a separate sheet at the address 
listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we 
sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will 
not preserve your rights. In your letter, give us the following information:  

Your name and account number. 
The dollar amount of the suspected error. 
Describe the error and explain, if you can, why you believe there is an error. 
If you need more information, describe the item you are not sure about. 

If you have authorized us to pay your credit card bill automatically from your savings or checking 
account, you can stop the payment on any amount you think is wrong. To stop the payment your letter 
must reach us three business days before the automatic payment is scheduled to occur.  

27.2 Your Rights and Our Responsibilities After We Receive Your Written Notice. We must 
acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we 
must either correct the error or explain why we believe the bill was correct. After we receive your letter, 
we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill 
you for the amount you question, including INTEREST, and we can apply any unpaid amount against 
your credit limit. You do not have to pay any questioned amount while we are investigating, but you are 
still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on 

 
 
 
 
 
 
 
 
 
your bill, you will not have to pay any INTEREST related to any questioned amount. If we didn’t make a 
mistake, you may have to pay INTEREST, and you will have to make up any missed payments on the 
questioned amount. In either case, we will send you a statement of the amount you owe and the date 
that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. 
However, if our explanation does not satisfy you and you write to us within ten days telling us that you 
still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, 
we must tell you the name of anyone we reported you to. We must tell anyone we report you to that 
the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect 
the first $50 of the questioned amount, even if your bill was correct.  

27.3 Special Rule for Credit Card Purchases. If you have a problem with the quality of property or 
services that you purchased with a credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount due on the property or 
services. There are two limitations on this right: (a) you must have made the purchase in your home 
state or, if not within your home state, within 100 miles of your current mailing address; and (b) the 
purchase price must have been more than $50. These limitations do not apply if we own or operate the 
merchant, or if we mailed you the advertisement for the property or services.  

 
 
 
Interest Rates and Interest Charges 

Table of Charges 

Annual Percentage Rate 
(APR) for Purchases 

11.99%  
This APR may vary with the market based on the Prime Rate*.  

APR for Balance 
Transfers 

4.99% introductory APR for 12 months. 
After that, the APR will be 11.99%. This APR may vary with the 
market based on the Prime Rate*.  

APR for Cash Advances  19.89% 

Penalty APR and  
When it Applies  

Paying Interest 

22.99% 

This APR may be applied if your account goes two billing cycles 
past due. 

How Long Will the Penalty APR Apply? If your APRs are 
increased for the above reason, the Penalty APR will apply until 
you make six (6) consecutive payments when due.  

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. 

If you paid in full the New Balance on your previous statement by 
the Payment Due Date, no interest will be applied to new 
purchases, or any portion of a new purchase, paid by the current 
statement payment due date. 

We will begin charging interest on cash advances and balance 
transfers on the date the transactions post.  

Minimum Interest Fee 

If you are charged interest, the charge will be no less than $1.50.  

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 consumerfinance.gov/learnmore 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 

Annual Fee 

None. 

Transaction Fees  
  Balance Transfer  
  Cash Advance  
  Quasi Cash Advance  
  Foreign Transaction 

3% of the amount of each transfer ($10 minimum, $250 maximum)  
3% of the amount of each advance ($10 minimum)  
3% of the amount of each advance ($20 minimum)  
3% of the U.S. dollar amount of the transaction  

Penalty Fees  

  Late Payment  
  Returned Payment 

Up to $35  
Up to $35 

Other Fees  

  Per copy of 

monthly billing 
statement  
  Per copy of 

merchant sales 
receipt 

  $3  

$5 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)”.  

Loss of Balance Transfer Introductory APR: We may end the introductory balance transfer APR and 
apply the Penalty APR if your account goes two billing cycles past due. 

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

* The APR for purchases is variable and is determined by adding percentage points (the “Margin”) to the 
Prime Rate (the “Index”). If the Prime Rate increases/decreases, it will cause the APR to 
increase/decrease accordingly. We review the Prime Rate published in the Money Rates section of the 
Wall Street Journal on the last business day of each month (the “Change Date”). If a change in the Prime 
Rate causes the APR to change, we put the new APR into effect as of the billing period for which we 
calculate the APR; then we apply the new APR to any existing variable rate balances. An increase in the 
Index may result in an increase in the amount of any INTEREST, minimum payment and outstanding 
balance.  

As of July 1, 2013, the APR for purchases was 3.25% (Index) + 8.74% (Margin) = 11.99%, which 
corresponds to a daily periodic rate of 0.0328%.  

The 4.99% introductory APR is good on all balance transfers completed within 45 days of your account 
opening. Effective on the 13th month after your account is opened, the APR will be the standard 
balance transfer APR. Balance transfers completed after 45 days of your account opening will receive 
the standard balance transfer APR.  

The APR for all cash advance transactions is fixed at 19.89%, which corresponds to a daily periodic rate 
of 0.0545%.  

The APR for Penalty pricing is fixed at 22.99%, which corresponds to a daily periodic rate of 0.0630%.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
We may change the account rate, fees and other cost information at any time in accordance with 
applicable law.  

For additional credit or to inquire about your account:  

  Visit wheatlandcardsolutions.com for online account access. 
  Call 888-521-8529; press “0” to speak to a Customer Service representative. We are available 

Monday through Friday, 7 a.m.- 8 p.m. or Saturday, 8 a.m.- 6 p.m. CT. Spanish services available. 

To report lost or stolen cards: call 888-521-8529, 24-hours a day. 

Wheatland Card Solutions 
105 N. Main 
Wichita, Kansas 67202 

WCS CFPB 07/13