Employee Credit Card Application

1Applicant Info

2Authorized User Info

3Terms & Conditions

Identity Verification
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT: To help the government fight the funding of terrorism and money laundering activities. Federal law requires 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 you 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. We may change APRs, fees, and other Account terms in the future based on your experience with Texas Regional Bank as provided under the Cardmember Agreement and applicable law.
Employee Credit Card Application
Name * Required
(As it appears on your ID)
First Middle Last Suffix
Social Security Number * Required
(If you do not have one use 000-00-0000)
Date of Birth * Required
Mother's Maiden Name * Required
(For security purposes)
Citizenship * Required
A $49 annual fee and a security deposit equal to the credit limit is required for Non-US Citizen credit card accounts.
Country of Citizenship * Required
Country
Country of Primary Residency * Required
Country
Non-Resident Alien, also provide foreign physical address
(No P.O. Box)

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Physical Address (No P.O. Box) * Required
Street Address Address Line 2 City State ZIP Code
Yrs & Mos At Address * Required
- Same as Physical Address
Mailing Address * Required
Street Address Address Line 2 City State ZIP Code
Primary Phone * Required
Email Address * Required
Identification
(Valid Driver's License, State ID, or Passport)
Type * Required
ID# * Required
Issued By * Required
State
Issue Date * Required
Month
Day
Year
Expiration Date * Required
Month
Day
Year
Home Ownership
Home Ownership * Required
Monthly Payment * Required
Employment & Income
Employment Status * Required
School * Required
Occupation * Required
Employer * Required
Work Phone * Required
Yrs & Mos At Employer * Required
Employment Type * Required
Annual Income * Required
Other Annual Income Source (if any)
ALIMONY, CHILD SUPPORT OR SEPARATE INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH IT TO BE CONSIDERED AS A BASE FOR REPAYING THIS OBLIGATION.
Other Annual Income Amount
Are you a Texas Regional Bank customer? * Required
- Yes
- No
Would you like to add an authorized card holder? * Required
- Yes
- No

Tell Us About the Authorized User
Authorized User
You must pay us for all charges made or allowed by the authorized user. Authorized users are able to get account information and copies of statements. Before adding him or her to your account, you must let the authorized user know that we may report account performance to the credit reporting agencies in the authorized user's name. You also need the authorized user's permission to give us any information about him/her that we request and to allow us to share information about him or her.
Name * Required
(As it appears on ID)
First Middle Last
Date of Birth * Required
Month
Day
Year
Social Security Number * Required
(If you do not have one use 000-00-0000)
- Same Physical Address as Primary Account Owner
Physical Address (No P.O. Box) * Required
Street Address Address Line 2 City State ZIP Code
Primary Phone * Required
Email Address * Required

Alright, you're nearly done!
FINANCED DETAILS
Repayment Type * Required
Bank Name * Required
Account Type * Required
Name On Account * Required
Account Number * Required
Bank Routing Number * Required
Balance Transfer Notice
If you would like to take advantage of the balance transfer introductory offer, please contact our credit card department at 1-800-580-6536.
Authorization
You have read this application and you affirm that everything you have stated is true and complete and you are at least 18 years of age. You authorize Texas Regional Bank (hereinafter “we”, “us” or “our”) to obtain your credit report(s), employment history and any other information in order to approve or decline this application, service your account, and manage our relationship with you. If you ask, we will tell you the name and address of any consumer reporting agency that provided such report(s) to us. If you accept or use this account, you do so subject to the terms of the application, the details of the rates and fees, and the credit card Terms and Conditions, as it may be amended; and you also agree to pay all charges incurred under such terms. You understand that only a portion of your Total Credit Line will be available for Cash Advances.
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E-Sign Disclosure & Consent For Electronic Communications
This E-Sign Disclosure and Consent for Electronic Communications This E-Sign Disclosure and Consent (“E-Sign Disclosure and Consent”) applies to the credit card account you are applying for online ("Account"). You agree that Texas Regional Bank may provide you with your card member agreement (“Agreement”) containing the initial disclosures for your Account, which Texas Regional Bank is required to provide in writing, in an electronic format and that the Agreement will be considered “in writing”. You further agree that Texas Regional Bank may provide with you any other initial disclosures (the “Disclosures”) in electronic format, including the US Consumer Privacy Notice, that Texas Regional Bank is required to provide to you in writing before you are approved for an Account. You should print a copy of the Agreement and Disclosures for your records. You may withdraw your consent to receive the Agreement and Disclosures in electronic form by exiting this credit card application. If you withdraw your consent to receive the Agreement and Disclosures in electronic form before you complete your application for the Account, Texas Regional Bank cannot accept and process your electronic request for an Account. Please visit a Texas Regional Bank banking center or call 1-800-580-6536 to request a paper application.

INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate(APR) for Purchases	9.74% to 17.74% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	0% Introductory rate for six billing cycles from the date your balance transfer was posted to your account. After that, your APR will vary with the market based on the Prime Rate. 9.74% to 17.74% based on your credit worthiness when you open your account and after the promotional period
APR for Cash Advances	14.74% to 22.74% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies	29.99% This APR may be applied to your account if you have two (2) or more late payments occur within a six (6) month period. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments by the due date each month.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay the entire balance by the due date each month.
Minimum Interest Charge	If you are charged periodic interest, the charge will be no less than $1.00.
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
Annual Fees	$0 except for the International card which is $49.
Transaction Fees Balance Transfer Cash Advance Foreign Fees	Either $10 or 3% of the amount of each transaction, whichever is greater. Any balance transfers that post to your account at the introductory rate will incur this fee. Either $10 or 3% of the amount of each transfer, whichever is greater. 3% of the U.S. dollar amount (1) made in a foreign currency, or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. This fee will be in addition to any other applicable fee.
Penalty Fees Late Payment Returned Payment	Up to $28 for the first occurrence. Otherwise, up to $35. Up to $28 for the first occurrence. Otherwise, up to $35.
Other Fees Rush Card Fee Pay By Phone	$35 per card $5 Fee for transactions processed by a customer service representative.

How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Loss of Introductory Balance Transfer APR: We may end your introductory Balance Transfer APR and apply the Penalty APR if your account becomes more than 60 days past due. The information about the costs of the card described in this solicitation is accurate as of 9/01/2020. This information may have changed after that date. To find out what may have changed, please call 1-800-580-6536 or write to us at Texas Regional Bank Attn: Credit Card Department, P.O. Box 5555 McAllen, TX 78502.

How We Will Calculate Your Variable APRs: Except for any introductory APR, your APR will vary with the market when the Prime Rate changes. For each billing period, we use the Prime Rate published in the Money Rates column of the Wall Street Journal. If the Wall Street Journal does not publish the Prime Rate or it is otherwise unavailable, we will select a similar reference rate that we believe, in our sole discretion, to be similar to the Prime Rate. Any new rate will be applied as of the first day of your billing cycle following the Prime Rate change. If the Prime Rate increases or decreases, this will cause the APR and periodic rate to fluctuate resulting in increased or decreased interest charges and minimum payments on the account.

Purchase APR: For Purchase transactions, we add a Margin of 6.49%, 8.49%, 11.49% or 14.49% to the Prime Rate of 3.25%. The Purchase APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 29.99%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.00% and no greater than 2.49917%.

Balance Transfer APR: For Balance Transfer transactions, we add a Margin of 11.49% to the Prime Rate of 3.25%. The Balance Transfer APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 29.99%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.00% and no greater than 2.49917%.
Cash APR: For Cash transactions, we add a Margin of 16.49% to the Prime Rate of 3.25%. The Cash APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 29.99%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.00% and no greater than 2.49917%.

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
* Required
- * I agree to the above Authorization and Terms of this credit card application.
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Identity Verification

Employee Credit Card Application

Identification

Home Ownership

Employment & Income

Tell Us About the Authorized User

Authorized User

Alright, you're nearly done!

FINANCED DETAILS

Balance Transfer Notice

Authorization

E-Sign Disclosure & Consent For Electronic Communications