North Shore Trust and Savings is proud to offer
several different credit cards for you to choose from. One is sure
to fit your needs. It is the only card you need, from the bank you
trust!
|
Consumer Credit Card Programs
|
|
VISA Classic |
VISA Platinum |
MasterCard Gold |
Flex Miles / Platinum VISA |
Open For all
qualifying
applicants. |
Minimum Annual
Income
of $35,000 with Minimum
Credit Line of $5,000 |
Minimum Annual
Income of $35,000 with Minimum Credit Line of $5,000 |
Qualifications equal
current Platinum requirements |
| Intro Rate of 5.99%
for the first 6 months. |
Intro Rate of 5.99%
for the first 6 months. |
Intro Rate of 5.99%
for the first 6 months. |
Intro Rate of 5.99%
for the first 6 months. |
| Standard rate after
intro Prime + 7.9% |
Standard rate after
intro Prime + 7.9% |
Standard rate after
intro Prime + 7.9% |
Platinum Rate* after
Intro:
Prime + 3.9%
Classic Rate* after intro:
Prime + 5.9% |
| No Annual Fee |
No Annual Fee |
No Annual Fee |
$35 Annual Fee. |
25 day Grace Period
for purchases. No grace period for cash advances.
|
25 day Grace Period
for purchases. No grace period for cash advances. |
25 day Grace Period
for purchases. No grace period for cash advances. |
25 day Grace Period
for purchases. No grace period for cash advances. |
VISA Classic Benefits
of rental car insurance. |
VISA Platinum Benefits
of rental car insurance. |
MasterCard Gold
Benefits of rental car and travel insurance. |
Earn one point for
each dollar spent up to 10,000 per month. Only 18,000 needed to
redeem.
|
If
the applicant does not qualify for Platinum we will review for
Classic.
Standard Fees for all Programs
Late Fee: $29 Over-Limit Fee: $29 NSF Fee: $29 Pay-By-Phone:
$10 Cash Advance Fee: 2% of the Cash Advance Amount, subject to a
minimum fee of $2.
After Introductory rate, the Annual Rate
(APR) will vary based on changes in the Index (the National Prime
Rate published in the Wall Street Journal). The Index will be
adjusted on the 25th day of each month or the business day
preceding the 25th day if that day falls on a weekend or a holiday
recognized by the Federal Reserve Bank. Changes in the Index will
take effect beginning with the first billing cycle in the month
following a change in the Index. Increases or decreases in the
Index will cause the APR and periodic rate to fluctuate, resulting
in increased or decreased Finance Charges on the Account. The
Account will never have an APR over 21% |
