Annual Percentage Rate (APR)
for Purchases
APR for Cash Advances
How to Avoid Paying Interest 
on Transactions

29.9%
29.9%
Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you interest on transactions if you pay your entire balance by the due date 

BLCLR-D-0120(AFTI)

Bureau

  Annual Fee
  Authorized User Fee

Transaction Fees
  Cash Advance
Penalty Fees

Late Payment

  Returned Payment

initial available credit will be only about $275 (or about $255 if you choose to have 
an authorized user).

$75
$20 annually (an optional fee if you add an additional cardholder to your account)

2% of each cash advance

Up to $25
Up to $25

How We Will Calculate Your Balance: 
Account by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash 
advances and fees) and deducting payments and credits made during the billing cycle.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph 
15 of this Contract.

Terms and Conditions

Blaze Mastercard® Credit Card Important Information: Please take the time to read and save. 

PRESCREEN & OPT-OUT NOTICE:

name, address, date of birth and other information that will allow us to identify you.

Qualify For Future Unsecured Credit: Initially, you will be issued a Mastercard with at least a $350 credit limit, up to a 
maximum of $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in 

Privacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to 

business. We do not share your personal information except as permitted by law to process your transactions, maintain your 

to you. We will provide a complete privacy notice when your account is approved. If you would like a copy of our privacy 
notice, you may obtain one by visiting our website at www.blazecc.com.

Electronic Communication: By providing your email address, you are authorizing us to communicate with you at this email 
address.

Authorization / Notices:
provide to us is true and correct.

Credit Reports:
and in the future, for any legitimate business purpose associated with the account or request for an account, including but 
not limited to reviewing, modifying, renewing or collecting on your account. We may report information about your account to 

You and each authorized user agree that we may report account information to credit reporting agencies in the names of 
both you and the authorized user(s).

car rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may 
request cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls, 

PREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved. 
© 2020, CAPITAL Enhancement Services, LLC.

Please read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms 
of  this  contract  when  you  sign  your application.  In  the contract,  “bank,” “we,” “our”  and  “us” refer  to First  Savings  Bank 
(Beresford, SD) and we are the creditor named in the application you signed. “You,” “your” and “applicant” are the person(s) 
who applied to us for the account. “Contract” means the terms and conditions outlined in this contract. “Account” means the 
credit card account we open for you to use to access the credit we extend to you. “Credit limit” means the maximum account 
balance you can have at any time.

 You are responsible for the balance on the account and you agree to pay 
the balance under the terms of this contract. You need to sign the back of the card. You need to protect and control 
the card by not letting any other person use it. If you let another person use it, you agree to be responsible for any 
charges they make. We may let you add an authorized user to your account. An authorized user is any person you 
give permission to use the card or your account. If you add an authorized user, you agree to pay for any charges they 
make as well as any related fees or interest. If you do not pay for the charges made by the authorized user, we may 
choose to collect directly from them. If you want to remove an authorized user from your account, you need to get the 
card from them and notify us. If you cannot get the card, contact us immediately and we will close the account to try to 

stop further charges. The cards remain our property and you agree to return them at our request or we have the right 
to have a merchant keep the card and return it to us. If your card is lost or stolen or you suspect unauthorized use of 
your account, you agree to notify us immediately.

2.  Usin

 You can use the card and your account to make charges. We can close or 
suspend the account at any time for any reason including if the activity on your account appears suspicious, if we 
are concerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of 

request a PIN to use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account 
cannot be used for illegal charges. You may not use your card in connection with any gambling transaction.

. 

 The credit limit is included in the information sent with your card and on your statements. You may 
not go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over 
your credit limit immediately. 

.  Monthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. 

It will also show your minimum payment and payment due date.

5.  Payments: Payments should be sent to the address on the payment coupon with your billing statement. If you send 
a payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights 
to collect the full balance if we accept late payments, partial payments or checks or money orders marked “payment in 
full” or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive 
them and will not be liable for any fees that may result. We will post payments when received but we may restrict your 
ability to make new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid 
from your bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can 
get a copy of it at your request. 

Minimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must 

(25) days from the closing date. The closing date is the last day of the billing cycle.
Monthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than 
$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the 
current late fee and interest. 
Minimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly 
payment plus any amount over your credit limit.

7.  Applying your Payments: In general, the payment will be applied in the following order: Unpaid interest, unpaid fees 

at the highest annual percentage rate (APR) and then to balances at lower APRs.

United States. Do not send cash through the mail. 

9.  When Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment 
due date. We will charge interest on the ending balance. Ending balance means the balance on your account at the 
end of any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum 
of the previous balance (the ending balance on your last statement) less payments and credits, plus new purchases 
and new cash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending 
balance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate 
of 29.9% by 12 (months). The monthly periodic rate is 2.4917%. 

.  Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will 

accrue interest.

b.  Late Fee: You will be billed up to $25 if your payment is not received by the payment due date. 
c.  Returned Payment Fee:  You will be billed up to $25 if your payment is returned for any reason. 
d.  Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.
e.  Optional Authorized User:  If you add an authorized user, there is a $20 annual authorized user fee.

If your card is lost, stolen or being used without your permission, call us toll free (866) 205-

not be responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use. 

We  are  not  responsible,  and  have  no  liability  if  your  card  or  account  is  not  accepted  for  a 

mistakes. If your account is over the credit limit or past due, authorization for charges should be declined. 

We will send you a privacy notice annually. Your telephone calls with our representatives may 
be recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone 
calls to contact you at any number you provide to us or that we obtain, including any cellular telephone number. You 
agree that we will not be responsible for the release of information to anyone who has gained possession of a card or 

 
 
 
 
If  you  provide  us  with  your  cellular  phone  number,  you  are 

provided. We may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this 
phone number to contact you for any business purpose about your account and you agree to be responsible for any 

electronic communications that may be received or accessed from your cellular phone and you agree that by enrolling 
in these services, you understand and agree to be responsible for any fees or charges you incur as a result of this 
enrollment.

  This  notice  tells  you  about  your  rights  and  our 

responsibilities under the Fair Credit Billing Act.

If you think there is an error on your statement, write to us 
at: Blaze Mastercard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. In your letter, give us the following 
information: Your name and account number; the dollar amount of the suspected error; a description of the problem. 
If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
You must contact us; 1) Within 60 days after the error appeared on your statement; and, 2) If you have enrolled in 
automatic payment, at least 3 business days before the payment is scheduled if you want to stop payment on the 
amount you think is wrong. You must notify us of any potential errors in writing. You may call us but if you do, we are 
not required to investigate any potential errors and you may have to pay the amount in question.

Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your 
letter, we must either correct the error or explain to you why we believe the bill is correct.

We cannot try to collect the amount in question or 
report you as delinquent on that amount. The charge in question may remain on your statement and we may continue 
to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for 
the remainder of your balance. We can apply any unpaid amount against your credit limit.

If we made a mistake: You will not have to pay 
the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: 
You will have to pay the amount in question along with applicable interest and fees. We will send you a statement of 
the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount 
we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you 
are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must 
let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, 

services that you have purchased with your 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 purchase. To use this right, all of 
the following must be true: 1) The purchase must have been made in your home state or within 100 miles of your 
current mailing address, and the purchase price must have been more than $50. These limitations do not apply if 
your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods 
or services. 2) You must have used your credit card for the purchase. Purchases made with cash advances from an 
ATM or with a check that accesses your credit card account do not qualify. 3) You must not yet have fully paid for the 

Blaze Mastercard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. While we investigate, the same rules apply 

if we think you owe an amount and you do not pay, we may report you as delinquent.

them.

We can delay enforcing or fail to enforce any of our rights under this contract without losing 

You authorize us to obtain credit reports about you for any legitimate business purpose. We may 
obtain a credit report for reviewing, modifying the terms, renewing the account or collection. We may report information 
about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be 

reporting agencies in the names of both you and the authorized user(s).

We may change any term of this contract at any time upon notice to you 
as is required by law. You may have the right to reject the change in terms, depending on the type of change, and if 

This contract is entered in the state of South Dakota where the decision to grant credit 
will be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts, 
and applicable federal law. 

If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not 

You will be in default of this contract if any of the following occur:

a. If you do not make a minimum payment on your account on or before the payment due date; 
b. If you die or become legally incompetent;
c. If you become insolvent or bankrupt;
d. If you exceed or attempt to exceed your credit limit;
e. If you provide us with or have provided us with false or misleading information or signatures at any time;
f.  If you fail to comply with this contract;
g. If you request an excessive number of replacement cards; or
h. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.

If you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. 
We can also require that you pay us the balance on your account.  You agree that you will return the card(s) to us. 

in full. If your account is in default and you try to make charges, we can use any legal means to recover the card(s) 

default situation, we can still declare the same or another default later on your account. 

22.  Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly 
statement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay 
the balance on the account under the terms of this contract. We can suspend your account privileges or cancel your 
account at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will 
have no obligation to notify you prior to suspending your charging privileges or cancelling your account. 

not used your account for any charges, all fees and interest billed to your account will be credited back to your account.

Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe 

25.  Headings: The headings used in this contract are for the convenience of reference only and are not intended in any 

a.  California Residents: A married applicant may apply for a separate account. As required by law, you are hereby 

b. 
c. 

your credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit 
of the account. Each applicant may be liable for amounts extended under the plan to any joint applicant.

 You may pay the unpaid balance of your account in whole or in part at any time.
 Consumer reports may be requested in connection with the processing of the application 
and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer 
reporting  agencies  which  have  provided  us  with  such  reports.  New York  residents  may  contact  the  New York 
Department of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New 
York Department of Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.

d.  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.