Personal Credit Card Services
Valley Bank Visa Card-NOW WITH REWARDS!!
Open a Valley Bank Visa card today and enjoy the rare luxury of getting service and support face to face with a real live person. Unlike most credit card issuers, we won’t just hand you an 800 number on a sticky-note and wish you luck getting your needs met. We will take good care of you right then and there in our lobby or over the phone. No annual fees and a fixed rate of interest that is free from nasty rate increases and surprise charges. Call the bank at 406.752.7105 for further details about rewards.
— NO ANNUAL FEE! NO CASH ADVANCE FEE! —
Interest Rate & Interest Charges | |
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Annual Percentage Rate (APR) for Purchases | 18.89% This APR is a Fixed Rate |
APR for Balance Transfer | 18.89% This APR is a Fixed Rate |
APR for Cash Advance | 18.89% This APR is a Fixed Rate |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For balance transfers and cash advances we will begin charging interest on the day of the transaction. |
Minimum Interest Charges | If you are charged periodic interest, the charge will be no less than $0. |
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 |
Fees | |
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Annual Fees | None |
Transactional Fees Balance Transfer Cash Advance Foreign Transaction |
None None 1.00% of each transaction in U.S. dollars |
Penalty Fees Late Payment Over-the-Credit Limit Returned Payment |
Up to $25 None None |
HOW WE CALCULATE YOUR BALANCE
We use a method called “average daily balance (including new purchases)”.
BILLING RIGHTS
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement