Interest Rates and Interest Charges 

ATIRAcredit™ Secured Mastercard® Terms and Conditions 

Annual Percentage Rate 
(APR) for Purchases  

21.99% This APR will vary with the market based on the Prime Rate.   

APR for Cash Advances 

21.99% This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

None  

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
interest on purchases if you pay your entire balance by the due date each month.  

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 
http://www.consumerfinance.gov/learnmore.   

Fees 

Annual Fee 

Transaction Fees 
• 

Cash Advance Fee 

• 

Foreign Transaction 
Fee 
Penalty Fees 
•  Overlimit Fee 

• 

Late Payment Fee 

Up to $29.00. Fees may vary by state; please see additional terms and conditions for more 
information. 

Either $10.00 or 4% of the amount of the cash advance, whichever is greater. Subject to 
applicable state law limitations; please see additional terms and conditions for more information.  

1% of each transaction in U.S. Dollars. 

None 

Up to $25.00. Fees may vary by state; please see additional terms and conditions for more 
information. 

•  Returned  Payment Fee  Up to $25.00. Fees may vary by state; please see additional terms and conditions for more 

information. 

How We Will Calculate Your Balance:  We use a method called “AVERAGE DAILY BALANCE” (including new transactions).  

The information about the costs and benefits of the card described in these Terms and Conditions is accurate as of 09/01/2017. 
This information may have changed. To find out what may have changed please visit www.ATIRAcredit.com for the latest version 
or call 888.4.ATIRA.1 (888.428.4721).  

Credit approval required. If this card is approved, your credit limit will be equal to the deposit amount securing your account. The 
minimum deposit amount is $300. 

Additional Terms and Conditions  

Your APR Can Fluctuate  
Your APR is variable and may increase or decrease monthly. The Purchase APR is determined by adding a margin of 17.74% to the 
Prime Rate. The Cash Advance APR is determined by adding a margin of 17.74% to the Prime Rate. For each billing period, we use 
the Prime Rate published in The Wall Street Journal ten (10) business days prior to your statement closing date. If The Wall Street 
Journal does not publish the Prime Rate, we may substitute a similar published rate. A change in the APR due to a change in the 
Prime Rate takes effect as the first day of the billing period for which we calculate the APR. We apply the applicable APR to any 
existing balances, subject to any promotional rates that may apply. If the Prime Rate increases, it will increase the APR and interest 
charges on your Account, and it may increase your monthly payment. Your APRs may also be subject to applicable state rate caps.  

Terms of Your Account May Change  
We may change the terms of your account as permitted by law. If we change any of these terms, we will notify you in advance as 
required by law.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
You May Receive Future Offers With Different Terms  
At any time in the future, we may extend new offers in connection with this account, including opportunities to transition to an 
unsecured product. These new products and services may have different APRs, fees and other terms. We will provide any different 
terms when we make you the new offer, and you may accept or decline any such offer.  

Minimum Income Requirement For This Card  
To qualify for this card, you must have a minimum of $40.00 in disposable monthly income. 

Annual Fee 
Your Account has an Annual Fee of $29.00, unless a lower state law limit applies, in which case the fee shall be the largest amount 
allowable under state law. This fee will be charged on the first periodic statement you receive. The Annual Fee will then be charged 
on or about the same day every year thereafter. State law limits include, but are not limited to: Up to $12.00 in MS; Up to $20.00 in 
KY and NV; Up to $20.00 in lieu of transaction fees in IL; Up to $24.00 in NC; Up to $25.00 in FL; Up to the lesser of 1% of loan 
amount or $29.00 for NY. 

Late Payment Fee  
We may add a late fee as outlined below to your Account for each billing period you fail to pay the Minimum Amount Due by the 
Payment Due Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past due amount after 7 days for VA; Up to 5% 
of past due payment after 10 days for NY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up to 5% of 
unpaid installment, not to exceed $10.00 after 15 days for ME; Up to 5% of unpaid installment, not to exceed $25.00 after 10 days 
for WV; Up to the lesser of $5.00 or the balance on balances under $100 or $10.00 for balances over $100 after 30 days for NC; Up 
to the greater of $5.00 or 4% of amount of any delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of $7.20 or 
5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up to the greater of $7.80 or 5% of amount of the payment after 10 
days for MN; Up to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of outstanding balance or $10.00 after 15 
days in default for MA; Up to the greater of 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for CO, DC, FL 
and LA; Up to the lesser of 5% of payment due or $15.00 after 10 days for TX; Up to the greater of 5% of minimum required payment 
or $15.00 after 10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00 after 15 days for MO; Up to the 
greater of $15.00 or 5% of amount past due for MI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in 
default after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of $20.00 or 10% of payment after 15 days in PA; Up 
to the greater of $24.50 or 5% of payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA, HI, IL, KS, MD, ND, 
NE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI. 

Returned Payment Fee  
We may add a fee as outlined below to your Account if a payment check or similar instrument is not honored or returned because it 
cannot be processed, or if an automatic debit is returned unpaid. We may assess this fee every time your check or payment is not 
honored, as permitted by law. No fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT, 
FL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA; Up to $25.00 if check remains unpaid for 15 days 
after notice of dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI, 
MN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check 
amount for GA. 

Cash Advance Fee  
If you use your Account or Card to obtain a Cash Advance, we will charge a Cash Advance fee of the greater of 4% of the cash 
advance or $10.00, unless state law limits the amount we can charge, in which case the fee shall be the largest amount allowable 
under state law. State law limits include, but are not limited to: No fee for IL; Up to $0.25 for NV; Up to the lesser of 1.5% of the 
amount of each cash advance or $5.00 for WV; Up to the greater of $2.00 or 2% of advance for TX; Up to the lesser of 2% of amount 
or $10.00 for IN; Up to the greater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA; Up to the greater of 
$10.00 or 4% of each cash advance ($30.00 maximum) for MN. 

Other Fees  
Other fees are identified in the Cardmember Agreement.  

Attestation and Authorizations  
I am applying to TMG Financial Services (TMGFS) for a credit card account. Everything that I have stated on the application is correct 
to the best of my knowledge. I understand that I must be at least 18 years of age and have a valid social security number, unless 
otherwise specified to qualify for this offer.  

I understand that approval is based upon satisfying TMGFS’ credit standards. TMGFS maintains the right not to open my account if: 
(a) the information provided on or with my application is incomplete, inaccurate or unverifiable; (b) I no longer meet TMGFS’ 

 
 
 
 
 
 
 
 
 
 
 
 
standards for creditworthiness; (c) my name and/or mailing address has been altered; (d) deposit funds do not clear. I understand 
that the exact amount of my credit line will be determined after review of my application and my deposit has been received and 
cleared. 

By submitting this application, you authorize us to obtain credit reports in connection with your request for an account. If an account 
is opened, we may obtain credit reports in connection with additional extensions of credit, upgrade of the product or change in 
terms, the renewal, review or collection of your account or in connection with another permissible purpose.  

If an account is opened, you will receive a Cardmember Agreement with your Welcome Letter and account opening disclosures. All 
terms and conditions of your account are contained in your Cardmember Agreement, Welcome Letter and Card Carrier. You agree to 
these terms by using your account or by not closing the account within three (3) business days of receiving the Cardmember 
Agreement.  

You certify that you are of age to legally contract and that you have read and reviewed all terms, conditions and disclosures 
provided. You certify that the information you provide in connection with obtaining this credit card is complete and accurate. You 
understand that omission of information requested may be reason for denial.  

You authorize us to receive and exchange information about you, including from your employer, your financial institution, credit 
bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for 
credit, renewal of credit, and future extensions of credit. By providing your phone numbers, you agree that TMG Financial Services, 
its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an 
automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls 
according to your current plan. Upon your request, we will inform you of the name and address of each consumer reporting agency 
from which we obtained a consumer report relating to you. 

Our agreement with you will be governed by applicable State and Federal laws.  

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of 
terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information 
that identifies each person (individual or business) 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 for your 
driver’s license or other identifying information.  

STATE SPECIFIC INFORMATION  
California Residents:  
A married applicant may apply for a separate account. Applicants: 1) may, after credit approval, use the credit card account up to its 
credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified 
that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the 
terms of your credit obligations.  

Connecticut Residents: 
This is an open-end loan being made pursuant to Connecticut Statutes Sections 36a-555 to 573. 

Florida Residents:  
You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or 
garnished (paid to us by your employer), as provided by Florida and Federal law.  

Missouri Residents:  
Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including 
promises to extend or renew such debt are not enforceable. To protect you (borrower(s)) and us (creditor) from 
misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the 
complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.  

New York Residents:  
We may obtain a credit report in connection with this Account, including for any review, modification, renewal or collections 
associated with this Account. Upon your request, you will be informed whether such report was requested and, if so, the name and 
address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking 
Department at 877.226.5697 to obtain a comparative listing of credit card rates, fees and grace periods.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ohio Residents:  
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that 
credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission 
administers compliance with this law.  

South Dakota Residents:  
If you believe there have been any improprieties in making this loan or in the lender’s loan practices, you may contact the South 
Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.  

Wisconsin Residents:  
If you are married, please contact us immediately upon receipt of this Agreement at 888.4.ATIRA.1 and provide us with the name 
and address of your spouse. We are required to inform your spouse that we have opened a credit account for you.  

ATIRAcredit makes your privacy a priority; please visit www.ATIRAcredit.com for a copy of our privacy pledge.  

The Secured Mastercard is provided by ATIRAcredit. Mastercard and the Mastercard Brand Mark are registered trademarks of 
Mastercard International Incorporated. ©2017, TMG Financial Services, Inc. ATIRA® is a registered service mark and ATIRAcredit™ is 
a service mark of the Members Group, LLC.