BB&T Spectrum Retail Credit Card Disclosure 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0.00% introductory APR for twelve months. 
After that, your APR will be between 10.40% and 19.40%. This APR will vary with 
the market based on the Prime Rate*. The pricing you receive will be determined upon 
review of your application, credit history, and banking relationship. 

APR for Balance Transfers  0.00% introductory APR for twelve months. 

APR for Cash Advances 

Penalty APR 
How to Avoid Paying 
Interest on Purchases 

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 

After that, your APR will be between 10.40% and 19.40%. This APR will vary with the 
market based on the Prime Rate*. The pricing you receive will be determined upon review of 
your application, credit history, and banking relationship. 
22.40%. This APR will vary with the market based on the 
Prime Rate**. The pricing you receive will be determined upon review of your application, 
credit history, and banking relationship. 
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. 
None. 
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% or $10 minimum on transactions greater than $10. 
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. 

Penalty Fees 

  Late Payment 

Up to $37***. 

  Over-the-Credit-Limit 
  Returned Payment 

None. 
None. 

How We Will Calculate your Balance: We use a method called “average daily balance (including new purchases).” See your 
Account Agreement for more details. 
Other:*The rate for Purchases and Balance Transfers is determined monthly by adding between 6.9% and 15.9% to Prime Rate. 
** The rate for Cash Advances is determined monthly by adding 18.9% to Prime Rate. 
***Your account will be charged a late fee of up to $25.00 the first time your Total Minim um 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 $37.00. No late fee will be more than your 
Total Minimum Payment due. 
Other Fees: The Statement Copy Fee is $5 with a $100 maximum per occurrence.  The Customer Requested Expedited Service 
Fee is $25. 
Variable Rate Information: The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in 
the “Money Rates” section of the Eastern edition of The Wall Street Journal as of the last day of the month. In the event a rate is not 
published on the last day of the month, the rate published most recently prior to that date will be the effective rate. Prime Rate changes 
will then take effect on the first day of the next billing cycle. 
The information stated above is accurate as of 03/31/16; however, this information is subject to change. 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. 
Bank Secrecy Act Notice: Important Information About Procedures for Opening a New Account: To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and 
record information that identifies each person who opens an account. What this means for you: When you open an account, we will 
ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your 
driver’s license or other identifying documents. 
FCRA Risk-Based Pricing Notice: The terms offered are set based in whole or in part on information obtained in a report from the 
consumer reporting agency listed below. Effective December 1, 2004, you have a right under the Fair Credit Reporting Act to obtain a 
free copy of the report from the consumer reporting agency: Equifax Information Services, LLC, Mail drop H-13, 1550 Peachtree 
Street, Atlanta, GA 30309, (800) 685-1111. 

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating 
that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive 
prescreened offers of credit from this and other companies, call the Consumer Reporting   Agencies toll free, (888) 567-8688; 
or write Equifax Options, PO Box 740123, Atlanta, GA 30374; Trans Union, Name Removal Option, PO Box 505, Woodlyn, PA 
19094; Experian Credit Marketing Opt-Out, PO Box 919, Allen, TX  75013. 

Notice About Communications: By providing your contact information and wireless telephone (cell phone) number to us, for 
which you have represented that you are the subscriber or for which you are authorized to consent on behalf of the subscriber, or 
by providing such information to us or any of our affiliates or agents at any other time, you give consent to receive autodialed and/or 
prerecorded messages, text message(s), emails or other electronic messages for the purpose of servicing your Account or for other 
purposes related to your Account. These communications may include collection calls and could come from us, our agents, 
affiliates, or a third-party debt collector collecting debts on our behalf.  You agree that we will not charge you for a communication, 
but your service provider may.  You also understand and agree that we may always communicate with you in a manner permissible 
by law.  You agree that we may monitor and record any telephone calls to assure the quality of our service or for other business 
reasons.  You may revoke your consent to receive calls at any time through any manner.     

Credit cards are issued by Branch Banking and Trust Company, a subsidiary of BB&T Corporation. Member FDIC.