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Voice Credit Card Terms and Conditions 

THE VOICE CREDIT CARD CARDHOLDER AGREEMENT (WHICH WILL BE INCLUDED IN THE CARD PACKAGE IF YOU ARE 
APPROVED) INCLUDES AN ARBITRATION PROVISION AND A JURY TRIAL WAIVER. IF A DISPUTE BETWEEN YOU AND US 
IS ARBITRATED, THE ARBITRATION PROVISION, UNLESS REJECTED BY YOU WILL SUBSTANTIALLY AFFECT YOUR 
RIGHTS, INCLUDING YOUR RIGHT TO HAVE A COURT OR JURY TRIAL OR TO BRING, JOIN IN OR PARTICIPATE IN CLASS 
PROCEEDINGS. IF THE DISPUTE IS NOT ARBITRATED, THE JURY TRIAL WAIVER WILL ELIMINATE YOUR RIGHT TO A 
TRIAL BY JURY IN COURT. HOWEVER, THE ARBITRATION PROVISION AND JURY TRIAL WAIVER WILL NOT APPLY TO THE 
EXTENT THAT YOU ARE A “COVERED BORROWER” PROTECTED BY THE MILITARY LENDING ACT. 

Interest Rates and Interest Charges 

Rewards Option 

Lower Rate Option 

Annual Percentage Rate (APR) for 
Purchases 

12.74 % - 26.74 %
Based on your creditworthiness. 

10.74 % - 24.74 %
Based on your creditworthiness. 

APR for Balance Transfers 

These APRs will vary with the market based on the Prime Rate.¹ 

0.00% Introductory APR for the first 
12 billing cycles following account 
opening on any balance transfer made 
within the first 90 days following 
account opening². After that, your 
APR will be at or between: 

0.00% Introductory APR for the first 
12 billing cycles following account 
opening on any balance transfer made 
within the first 90 days following 
account opening². After that, your 
APR will be at or between: 

12.74 % - 26.74 %
Based on your creditworthiness. 

10.74 % - 24.74 %
Based on your creditworthiness. 

These APRs will vary with the market based on the Prime Rate.¹ 

APR for Cash Advances 

24.74 % - 29.74 %³ 

How to Avoid Paying Interest on 
Purchases 

These APRs are based on your creditworthiness and will vary with the market 
based on the Prime Rate. 

Your due date is at least 21 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. We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00 

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  .

Annual Fee 

Transaction Fees 

"
"

Balance Transfer 
Cash Advance 

Penalty Fees 

"

Late Payment 

Fees 

None 

The greater of  $10.00  or  3%  of the amount of each Balance Transfer. 
The greater of  $10.00  or  3%  of the amount of each Cash Advance 

Up to  $40 

FORM: RRCARDSCHUMERBOXCUSTSTAT ( 05/22 )

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How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)." See your  
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. 

¹ For the Rewards Option, we add a margin of between  8.74 % and 22.74 % to the Prime Rate to determine the  

Purchase/Balance Transfer APR. 
For the Lower Rate Option, we add a margin of between  6.74 % and 20.74 % to the Prime Rate to determine the  
Purchase/Balance Transfer APR. 

² Loss of Introductory Rate:  We may end your introductory APR and apply the post-introductory Purchase/Balance  

Transfer APR if all or part of your required minimum monthly payment is more than 60 days late. 

³ We add a margin of between  20.74 % and 25.74 % to the Prime Rate to determine the Cash Advance APR. 

If you transfer a balance at the introductory rate, any purchases you make with your card will be charged interest unless  
you pay the entire balance (including any transferred balances) in full each month, by the payment due date. 

This information is accurate as of  05/2022  and is subject to change after this date. For current information please contact  
Huntington National Bank at PO Box 1558, Columbus, OH 43272 or call us at (800) 480-BANK for any changes. 

Variable APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (<Prime Rate=), the APR will equal the Prime Rate  
plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate  
decreases, it will cause the APR to decrease. For each billing period we use the Prime Rate published in The Wall Street  
Journal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new  
APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any  
existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime  
Rate, we will use a similar published rate. 

Changes:  We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage Rate  
and other significant changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the  
effective date of the change. Notice may also include a statement of your right to cancel the Account prior to the effective  
date of the change. 

Application Terms:  You hereby request a Huntington Credit Card. This application is subject to the approval of, and any  
credit will be extended by, The Huntington National Bank (referred to as "we", "us", "our") 41 South High Street, Columbus,  
Ohio. You certify that you have answered the questions in this application fully and truthfully, and that you have not  
omitted any material information. 

Obtaining Consumer Reports and Sharing Information:   We may obtain credit or other consumer reports on you, check  
your credit and verify with others information you provide in connection with this application. We may report our credit and  
other experience with you to consumer reporting agencies and others who we determine have a legitimate need for the  
information. 

Voice Consumer Credit Card Rewards Program 
The Voice Consumer Credit Card Rewards Terms and Conditions govern the Voice Consumer Credit Card Rewards program  
and are available at  https://www.huntington.com/account-disclosures .

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. 

Notice to Married Wisconsin Residents:  No provision of any marital property agreement, unilateral statement or court  
decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant  
you credit, or we have actual knowledge of the adverse obligation. All obligations on this account will be incurred in the  
interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse.  
If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive  
notification that credit has been extended to you. 

New York Residents:  New York residents may contact the New York State Department of Financial Services at 
(800) 342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods. 

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Member FDIC.  

 ®, Huntington ®,  

 Huntington and Voice Credit Card ® are federally registered service marks of Huntington Bancshares  

Incorporated. Voice SM  is a service mark of Huntington Bancshares Incorporated. 
©2022  Huntington Bancshares Incorporated. 

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