CARDHOLDER AGREEMENT 

FRB 
04/11 

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 INTRUST Bank, N.A. (Bank).  

1. USING YOUR ACCOUNT: You, the Cardholder, authorize Bank 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 Bank, 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 Bank will furnish you with a monthly statement for purchases and cash advances made on your 
account and you agree to pay Bank 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 purchases 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 Bank 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 Bank’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 Bank associate.  

2.4 Payments must be made by check, money order or electronically and payable in U.S. dollars. 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. We may pay a check written on your account before the date shown on the 
check unless you have given us advance notice that a post-dated check will be presented for payment.  

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.  

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 periodic 
INTEREST on the previous day’s balance. (This results in daily compounding of INTEREST.) 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. If applicable, fees from balance transfers, cash 
advances, quasi cash advances, or overdraft cash advances, are included in the INTEREST. 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 Bank accounts; any business debt; any debt that is not owed by you; or any balances 
owed to creditors outside the United States. Bank reserves the right to refuse any balance transfer 
request for any reason, including for revolving debt that Bank 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 as INTEREST 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 Bank checking account in overdraft status. See the Table of 
Charges for the fee amount.  

7. MINIMUM INTEREST: There will be a minimum INTEREST amount when INTEREST is imposed. See the 
Table of Charges for the minimum INTEREST amount.  

8. OVERDRAFT PROTECTION FOR INTRUST CHECKING ACCOUNT: If you have overdraft protection, you 
authorize Bank to advance funds automatically to your designated INTRUST checking account in 
increments of $50 for any item or transaction drawn against your checking account in excess of the 
balance in the account. No transfer will be made from your Card account: (1) which would cause the 
outstanding Card account balance to exceed the approved credit limit, or (2) any time your Card account 
is not current. Any transfer from your Card account shall constitute a cash advance and you will be 
charged an overdraft cash advance fee, which is additional INTEREST. See the Table of Charges for the 
fee amount. All transfer requests from your Card account are subject to prior authorization and this 
special feature may be revoked at any time with a notice mailed to you at the address of your checking 
account. In the event you have designated different “Transfer Accounts” for overdraft protection at 
different times, the earlier designations are revoked and the most recent designation will control and 
supersede all prior designations. Bank shall not be responsible for your checks being returned by reason 
of Bank’s failure to make a transfer(s) of funds. You agree to indemnify and hold Bank harmless for all 
transfers of funds, whether or not collected.  

9. ANNUAL FEE: None.  

 
 
 
 
 
10. 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 
be $25. If the second instance occurs within six (6) months of the first instance, the fee will not exceed 
$35. 

11. 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 Bank in writing at P.O. Box 2235, Wichita, KS 
67201, or orally by calling 800-222-7458, of loss, theft or possible unauthorized use of your Card or 
convenience checks.  

12. 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 Bank 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.  

13. LEGAL TRANSACTIONS: 
13.1 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. Bank will not 
be liable if you engage in an illegal transaction.  

13.2 Bank 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.  

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

15. ESTABLISHED CREDIT LIMIT: You agree to keep the total balance on your account within the credit 
limit established by Bank, which has been previously disclosed to you. Bank may change your credit limit 
at any time. Bank 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 Bank’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 Bank as a payment for a period of 15 days from the date your payment was posted to your 
account.  

 
 
 
 
 
 
 
 
16. IMMEDIATE REPAYMENT/TERMINATION OF ACCOUNT: Bank 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. Bank 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, or change the APR and/or fees. If 
you do not use your Card at least once in 12 months, Bank 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.  

17. AMENDMENTS: This Agreement may be amended by Bank at any time.  

18. ACCEPTANCE OF CARD OR CONVENIENCE CHECKS: Bank 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.  

19. OTHER FEES: 
19.1 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. 

19.2 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 be 
$25. If the second instance occurs within six (6) months of the first instance, the fee will not exceed $35.  

20. FOREIGN TRANSACTION FEE: 
20.1 A foreign transaction fee will be assessed on all transactions where the merchant country differs 
from the country of the card issuer.  

20.2 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 Bank.  

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

21. UPDATED FINANCIAL INFORMATION: Bank 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 Bank’s records. Bank 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.  

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

23. COLLECTION COSTS AND ATTORNEY FEE: In the event Bank 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.  

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

25. 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.  

26. ACCOUNT NOTIFICATION: Bank 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.  

27. 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.  

28. 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.  

28.1 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.  
28.2 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 finance charges, 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 finance charges related to any questioned amount. If 
we didn’t make a mistake, you may have to pay finance charges, 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.  

28.3 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 

APR for Balance Transfers 

9.99% - 11.99% for Platinum Account 
14.99% for Student Account 
These APRs may vary with the market based on the Prime Rate*.  

9.99% - 11.99% Platinum Account 
14.99% Student Account 
These APRs may vary with the market based on the Prime Rate*.  

APR for Cash Advances 

Penalty APR and  
When it Applies  

19.89% 

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. 

Paying Interest  

 
 
 
 
 
 
 
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 Charge 

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

For Credit Card Tips from the 
Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Federal Reserve Board at 
www.federalreserve.gov/creditcard 

Fees 

Annual Fee 

Transaction Fees  

None 

  Balance Transfer 
  Cash Advance 
  Quasi Cash Advance 
  Overdraft Cash 

  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)  
  $10 for each monetary transfer made to your INTRUST Bank deposit account  

Advance 

  Foreign Transaction 

  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 

$3 

$5 

sales receipt 

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

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

*The Prime Rate (called the “Index”) is the rate published in the Money Rates section of the Wall Street 
Journal as of the last business day of each month. The APR for purchases is variable and is determined 
by adding percentage points (the Margin) to the Index. The Index is reviewed on the last business day of 
each month (the Change Date) and any change in the Index from the previous Change Date will cause 
the APR to be adjusted on the first day of the following month. An increase in the Index may result in an 
increase in the amount of INTEREST, minimum payment and outstanding balance.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Platinum Account: As of April 1, 2011, the APR for purchases was 3.25% (Index) + 8.74% (Margin) = 
11.99%, which corresponds to a daily periodic rate of 0.0328%.  

Student Account: As of April 1, 2011, the APR for purchases was 3.25% (Index) + 11.74% (Margin) = 
14.99%, which corresponds to a daily periodic rate of 0.0411%.  

All Accounts: 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.  

INTRUST Bank appreciates your business. 

For additional credit or to inquire about your account: 
Call (316) 383-1354 in Wichita, Kansas, or 800-222-7458. Have your credit card number handy. 
If you need to talk directly to Customer Service, press “0” and our representatives will be happy to 
answer your questions from 8 a.m. - 6 p.m., CT, Monday through Friday. Spanish speaking services 
available.  

To report lost or stolen cards: call 800-222-7458, 24-hours a day. 

INTRUST Bank 
105 N. Main 
Wichita, Kansas 67202 

FRB 
04/11