Spencer County Bank offers a wide selection of credit card
services and some of the lowest rates in the industry. We offer three types of
accounts. They are as follows:
| Interest Rates and Interest Charges |
Visa Classic
|
MasterCard Classic
|
Visa Gold
|
| Annual Percentage Rate (APR) for Purchases |
|
|
|
| APR for Cash Advances |
|
|
|
| APR for Balance Transfers |
|
|
|
| How to Avoid Paying Interest on Purchases |
Your due date is at least 21days 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. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://federalreserve.gov/creditcard |
| Fees |
Visa Classic |
MasterCard Classic |
Visa Gold |
| Annual Fees |
None |
None |
$20.00 |
| Transaction Fees |
| • International Transaction |
1.0% of each transaction in U.S. Dollars (Transactions made in a foreign currency and transactions made in U.S. Dollars that are processed outside the United States) |
| Penalty Fees
|
| • Late Payment |
$17.50 This amount may change pursuant to Indiana Code 24-4.5-1-106
and 24-4.5-3-203.5 |
| • Returned Payment |
$25.00 |
|
| HOW WE WILL CALCULATE YOUR BALANCE: |
We will use a method called "average daily balance"
(excluding new purchases). |
OTHER FEES: Card Replacement Fee $10.00; Expedited Card Request $25.00 |
We offer Scorecard Cashback on our Visa, Visa Gold, and
Mastercard programs. This program pays you for using your Spencer County
Bank credit card. You can earn up to 1% of your yearly purchases with Scorecard
Cashback!
Download Credit Card Agreement (PDF, 118K)
There are many different ways to access your credit card
information with Spencer County Bank, one of which include secure account access
over the Internet. Once your account is activated, you can visit http://www.MyCardStatement.com
to see payments, charges, payment activity, customer service, and more. You can also make payments at any Spencer County Bank location.
Please call (800) 991-4964 to report a lost or stolen credit card
Phone: 812-937-4433
Fax: 812-937-2979
scbank@spencercountybank.com
http://www.MyCardStatement.com
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