Credit Cards

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

14.88%

14.88%

14.28%

APR for Cash Advances

14.88%

14.88%

14.28%

APR for Balance Transfers

14.88%

14.88%

14.28%

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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