Hancock Whitney Bank, Member FDIC, Equal Housing Lender. Normal credit criteria apply.          REV 03/21/22 
All Hancock Whitney Visa� Cards are issued by Hancock Whitney Bank . 
Visa� Platinum 
Annual  Percentage  Rate  
(APR) for Purchases 0.00%  introductory APR for 7 billing cycles following the  opening of your account.
After that, your APR will be  13.24 % to 18.24 % based on your creditworthiness  
when you  open your account. 
This AP R will vary w ith the market b ased  on the Prime  Rate. 
APR for Balance  
Transfers 0.00% introductory APR for 7 billing cycles following the  opening of your account. After 
that, your APR will be 13.24 % to 18.24 % based  on your creditworthiness when you 
open y our a ccount. 
This AP R will vary w ith the market b ased  on the Prime  Rate. 
APR for Cash  Advances  25.24 % 
This AP R will vary w ith the market b ased  on the Prime  Rate. 
Penalty  APR and When  It 
Applies None  
Paying  Interest  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 the entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. We will begin charging interest on balance transfers on the posting date.  
Minimum  Interest  Charge  None  
For Credit  Card  Tips from  
the Consumer Financial Protection Bureau To learn more about factors to consider when applying f or or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at  
consumerfinance.gov/learnmore  
Annual Fee  None  
Transaction Fees  
�Balance Transfer�
Cash Advance 3% of the amount of each transfer.  5% of the amount of each cash advance. 
Penalty Fees  
�Late Payment
�Returned PaymentUp to $25 Up to $25 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)�.  Refer to the corresponding account agreement for more details.  
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in  your account agreement. 
Cash Advances: We may make only part of your Credit Limit available for cash advances (known as Cash Credit Limit on your monthly billing statement). The Credit Limit and Cash Credit Limit are shown on your monthly billing statement. Daily and ATM cash limits may also apply.
 
MILITARY LENDING ACT � ADDITIONAL DISCLOSURES FOR ACTIVE DUTY SERVICE  MEMBERS AND  DEPENDENTS :  
The following additional disclosures apply to the Credit Card Account Agreement and your Account if one or more Cardmembers is a �covered borrower�, as that term is defined in the Military Lendin g Act, 10 U.S.C. 987, and related regulations of the U.S. Dept. of Defense. Please read the following additional disclosures.  Military Annual Percentage Rate: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).  Payment Obligation: Generally, your minimum monthly payment under your account shall be the greater of (i ) $10.00 or (ii
)
2% of the New Balance on your billing statement or (iii) the total of any interest charge and all outstanding charges andfees. If the New Balance is less than $10.00, your minimum payment due will be the amount of the New Balance. Pleaserefer to your Credit Card Account Agreement for more detailed information. Please call (800) 448 -8812 to receive an oral Statement of the Military Annual Percentage Rate and a description of your payment obligation.
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 inform ation that will allow us to identify you. We may also ask to see your driver�s license or other identifying documents.