Branch Banking and Trust Company 

 ACCOUNT-OPENING DISCLOSURES 

Interest Rates and Interest Charges  
Annual Percentage 
Rate (APR) for 
Purchases  
APR for Balance 
Transfers  

0.00% introductory APR for twelve months. 

After that, your APR will be 15.90%.   

0.00% introductory APR for twelve months. 
After that, your APR will be 15.90%. 

 APR for Cash     
Advances 
Penalty APR  
Paying Interest  

Minimum Interest 
Charge  
For Credit Card Tips 
from the  Consumer 
Financial Protection 
Bureau 

Fees 
Annual Fee 
Transaction Fees 
• 
• 
• 
• 

Purchases 
Balance Transfer 
Cash Advance 
Foreign 
Transaction 

Penalty Fees 
• 
•  Over-the-Credit 

Late Payment 

• 

Limit 
Returned 
Payment 

Other Fees 
• 

• 

Statement Copy 
Fee 
Customer 
Requested 
Expedited 
Service Fee 

15.90%  
None.  
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 and Balance Transfers on the 
transaction date.  
If you are charged Interest, the charge will be no less than $1.00.  

To learn more about factors to consider when applying for or using 
a credit card, visit the Consumer Financial Protection Bureau’s 
website at http://www.consumerfinance.gov/learnmore. 

None. 

None.  
3% of each advance ($10 minimum) 
3% of each advance ($10 minimum) 
3% of the U.S. dollar amount of each transaction made in a 
foreign currency and any transaction made in U.S. dollars that is 
processed outside of the United States. 

Up to $35*   
None.  

None. 

$5 with a $100 maximum per occurrence.  

$25 

*Your account will be charged a late fee of up to $25.00 the first time your Total Minimum 
Payment is not received by the due date.  After that, any late payment during the next six 
billing cycles will result in a late fee of up to $35.00.  No late fee will be more 
than your Total Minimum Payment due. 
% to Prime Rate.                                                                                                                                                                                                                                                                                                                                                      

SEE BACK OF PAGE 
for more important information about your account 

 
 
 
 
By providing a wireless telephone (cell phone) number to us, or by providing such a 
number to us or any of our affiliates or agents at any other time, you give consent to 
receive autodialed and/or prerecorded messages or other calls to that number. 
These may include collection calls and could come from us, our agents, affiliates, or 
a third party debt collector collecting debts on our behalf.   

How We Will Calculate Your Balance: We use a method called “average daily 
balance (including new purchases).” See your Cardholder Agreement for more 
details.  

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

Right to Reject: You may reject this credit card account by calling 1-800-476-4228, 
provided you have not used the account or paid a fee after receiving a billing 
statement
charges.  

. If you do reject the account, you are not responsible for any fees or 

Guidelines for Payments: Payment is due by the date specified on your 
statement. Payments may be made:  

•  At the teller line during normal business hours  
•  Through BB&T Phone24 by 6 pm EST  
•  Through BB&T OnLine by 6 pm EST  
•  By mail – To ensure prompt processing of your payment, please mail to the 
address shown on your statement: Branch Banking and Trust Company, PO 
Box 580435, Charlotte, NC 28258-0435. Payments must be received by the 
due date.  Please allow at least 5 days for mail delivery. In order to receive 
prompt credit, please include the payment coupon with the payment. Only 
checks or money orders will be accepted.  

To obtain information about changes in the above disclosures, contact your 
local BB&T branch office or write: Branch Banking and Trust Company, PO 
Box 698, Wilson, NC 27894-0698, or call 1-800-476-4228.  

Credit cards are issued by Branch Banking and Trust Company, a subsidiary 
of BB&T Corporation. Member FDIC     

Rev. 12/12 

N0004106