| As required by law, the rates, fees and other costs of this credit offer are disclosed below. The Cardholder Agreement and Disclosure Statement ("Agreement") sets forth all Account terms and will be sent with the card. Account terms may change. We have the right to change your APRs, fees, and other terms at any time, for any reason including, but not limited to, any change in your credit history, credit obligations, account performance, use of your credit lines with us or any creditor, or our financial return. Any change will be in accordance with the Agreement and applicable law. |
*IMPORTANT INFORMATION
| Annual Percentage Rate (APR) for Purchases |
The Standard Rate is 24.9%. |
| Other APRS |
Default : Rate: 28.9%† |
| Grace Period for Repayment of Balance for Purchases |
No finance charges are assessed on new purchases if the balance is paid in full each month within 25 days after the billing date. |
| Method of Computing the Balance for Purchases |
Two Cycle Average Daily Balance (including new purchases) |
| Annual Fees |
NONE |
| Minimum Finance Charge |
$2.00 |
| Transaction Fee for Purchases |
NONE |
Late payment fee: $10 for combined account balance of $100 or less; $29 for combined account balance from $100.01-$1000; $35 for combined account balance of $1,000.01 or more.
Overlimit fee: $0
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† If you fail to make two consecutive Total Minimum Payments Due and are 30 days past due, you will no longer be eligible for the Standard Rate and all existing Promotional Credit Plans will terminate, and your entire Account balance will be subject to the Default Rate.
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PRESCREEN & OPT-OUT NOTICE: This "preapproved" offer of credit or insurance is based on information contained in your credit report obtained from a credit reporting agency which was used in connection with selecting you for this offer. You received this offer because you satisfied our criteria of creditworthiness. If you accept this offer, we may refuse to extend credit if you no longer meet these criteria or applicable criteria bearing on your creditworthiness. If you do not want to receive preapproved offers of credit or insurance from this and other companies, you do have the right to prohibit information contained in your file maintained by the credit reporting agencies from being used in a credit or insurance transaction not initiated by you by calling toll free 1-888-567-8688 or writing such agencies at Trans Union, LLC's Name Removal Option, P.O. Box 505 Woodlyn, PA 19094-0505; Options, Equifax, Inc., P.O. Box 740123, Atlanta GA 30374-0123; and Experian Marketing, P.O. Box 919, Allen TX 75013-0919.
*Notice Regarding Pre-Approved Status
In responding to this offer, you are requesting a David's Bridal credit card from HSBC Bank Nevada, N.A. (hereinafter "HSBC Bank", "we", "our", or "us"). You received this offer because you satisfied our criteria of creditworthiness. If you accept this offer, we may refuse to extend credit if you no longer meet these criteria or applicable criteria bearing on your creditworthiness. You agree that HSBC Bank or our affiliates may check credit information on you from whatever source we choose, including obtaining a current credit bureau on you in connection with our review of your Acceptance Certificate. This offer is void if you currently have a David's Bridal credit card. This offer is non-transferable. Only the individual named on this form is authorized to sign this certificate. Your current name and mailing address must match the name and address printed on the Acceptance Certificate. This certificate must be complete to be processed. You further understand that by signing this Acceptance Certificate, you agree that purchases on your Account will be subject to the terms and conditions in the Cardholder Agreement (which contains an arbitration provision). You acknowledge that you have read and received a copy of the Cardholder Agreement and Disclosure Statement before making any purchases under this account. You must be at least the age of majority to be eligible and the issuance of a credit card is subject to verification of all information you have supplied. Two forms of ID are required to process your application. The first form of ID must be a driver's license, State ID or active Military ID. The second form of ID must be a major credit card or US Passport. You must respond by the expiration date set forth on the Acceptance Certificate. Any response or pre-approved Acceptance Certificate received after the expiration date will be processed as a non-pre-approved application.
Except as limited by applicable law, you agree that we may share information we receive about your creditworthiness ("Credit Information") and/or information relating to our transactions and experiences with you ("Experience Information") with persons related to us by common ownership or affiliated with us by corporate control ("Affiliates"), and our Affiliates may use this information to determine if you qualify for additional offers of credit. You may prohibit the sharing of Credit Information with our Affiliates by writing to us at HSBC, P.O. Box 280, Wood Dale, IL 60191-0280 and including the name, address, social security number, signature, and account number (if applicable) for each person making the election. Your request will not apply to the sharing of Experience Information.
NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit reporting agency. If you are married, you may apply for credit in your own name. NOTICE FOR NEW YORK RESIDENTS: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application. Upon your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. New York residents may contact the New York state banking department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department: 1-800-522-3330. NOTICE FOR 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. NOTICE FOR VERMONT RESIDENTS: Offer not valid in Vermont. NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement (including a Statutory Terminable Marital Property Classification Agreement under Sec. 766.588 Wis. Stats., or a Statutory Terminable Individual Property Classification Agreement under 766.70) adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
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 information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
** On your David's Bridal credit card, subject to credit
approval. This is a Same As Cash offer. If balance on these
purchases is paid in full before the expiration of the
promotional period and your Account is kept current, accrued
Finance Charges will not be imposed on these purchases. If
balance on these purchases is not paid in full, Finance Charges
will be assessed from the purchase date at the Standard Rate of
24.9% APR. For Accounts not kept current, the promotion will be
cancelled, and the Default Rate of 28.9% APR and regular Minimum
Monthly Payments will apply. Minimum Finance Charge: $2.00.
Certain rules apply to the allocation of payments and credit
card. Please call 1.888.367.4310 or review your cardholder
agreement for information.
We have the right to change your APRs, fees, and other terms at any time, for any reason including, but not limited to, any change in your credit history, credit obligations, account performance, use of your credit lines with us or any creditor, or our financial return. Any changes will be in accordance with your Cardholder Agreement and Disclosure Statement and applicable law.
David's Bridal credit card is issued by HSBC Bank Nevada, N.A.
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