BB&T Associate Retail Credit Card Disclosure 

Interest Rates and Interest Charges 
Annual Percentage Rate(APR) for 

Purchases 

APR for Balance Transfers 

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 Fees 
Transaction Fees 
· Purchases
· Balance Transfers
· Cash Advances
· Foreign Transactions

Penalty Fees 
· Late Payment
· Over-the-Credit Limit
· Returned Payment

0.00% introductory APR for twelve months.
After that, your APR will be 6.40%. This APR will vary with the market based
on the Prime Rate* 

0.00% introductory APR for twelve months.
After that, your APR will be 6.40%. This APR will vary with the market based
on the Prime Rate* 
8.40% This APR will vary with the market based on the Prime Rate**
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 
website of the Consumer Financial Protection Bureau 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. 

Up to $37*** 
None 
None 

How We Will Calculate your Balance: We use a method called “average daily balance (including new purchases).” See 
your Cardholder Agreement for more details. 
Other:*The rate for Purchases and Balance Transfers is determined monthly by adding 1.9% to Prime Rate. 
**The rate for Cash Advances is determined by adding 3.9% to Prime Rate.  ***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 $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 WSJ Prime Rate is currently 4.50% 
as of December 13, 2017; 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. 
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. If you do reject the account, you are not responsible 
for any fees or charges. 
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