Shop -- The Card You Pick Can Save You Money
The Free Credit Card TrapThey arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you ..... ...... (318)362-8466
CENTRAL CAROLINA B&TC
MasterCard
Gold, N 9.00 V 1 25 20 4,6.9 (800)334-1073
CENTRAL FIDELITY NB
MasterCard,VA 15.60 F * 25 15 N.R. (800)388-5634
CHASE MANHATTAN BK USA
Classic Visa &
Classic MasterCard, 2,3,
N 19.80 F * 30 20 4,7,9 (800)441-7681
CHEMICAL BK
Standard Master 2,3,4,
Card/Visa, N 17.80 F * 25 20 5,7,9 (516)648-3355
CHEVY CHASE BK FSB 11
Visa/Gold, N 14.33 V 1 25 40 1.4 (800)937-5000
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
CITIBANK SOUTH DAKOTA NA
Citibank Classic 2,3,
Card, N 17.90 V 1 25 0 4,5,7 (800)950-5114
CITIZENS TC
Citizens Visa
Classic, N 14.50 F * 0 0 N.R. (800)455-5000
COLONIAL NB USA
Visa, N 13.26 V 1 25 30 3.4,6 (800)544-2028
COLORADO NB
Visa, R 17.40 V 1 25 12 N.R. (800)933-4433
COLUMBUS B&TC
Visa Classic, N 17.90 F 8 25 0 N.R. (800)487-5391
COMERICAN BK-DETROIT
Comerica Classic
Card, N 16.75 F * 25 15 4 (800)841-0012
COMMERCE BK NA
Special Connections
Visa/MasterCard,
R 16.50 V 1 25 0 4,9 (800)645-2103
COMMERCE BK OF OMAHA NA
Special Connections
Visa/MasterCard,
R 16.50 V 1 25 0 4,9 (800)645-2103
COMMERCE BK OF
SPRINGFIELD NA
Special Connections
Visa & MasterCard,
R 16.50 V 1 25 0 4,9 (800)645-2103
COMPASS BK
MasterCard, R 18.00 V 1 30 20 N.R. (800)239-5175
CORESTATES BK OF DE NA
Visa, R 17.80 V 1 25 20 N.R. (800)833-3010
CRESTAR BK
Visa Classic, N 15.90 F * 25 20 4,9 (800)368-7700
DIAL BK
Mastercard/
Visa, N 19.80 T * 25 20 N.R. (605)336-3933
EUROPEAN AMER BK
Visa, NY 17.70 V 1 25 0 N.R. (516)296-6028
FCC NB
First Card Visa 2,3,
Gold, N 18.40 V 1 25 0 4,6,9 (800)368-4535
FEDERAL SVG BK 12
Visa, N 9.72 V 8 25 33 N.R. (800)285-9090
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
FIDELITY NB
Visa
ConsumersCard, N 15.90 F * 25 25 9 (800)753-2900
FIDELITY TC
MasterCard, 2,3,4,
Visa, N 17.65 V 1 25 0 5,6,8 (800)323-5353
FIFTH THIRD BK
Select Visa, R 14.40 V 1 30 18 9 (800)972-3030
FIRST AL BK
MasterCard
(Classic), R 19.50 F * 25 15 N.R. (800)828-0893
FIRST BK SD NA
Visa, N 17.90 V 1 25 20 N.R. (800)285-8585
FIRST CITIZENS B&TC
MasterCard, NC 18.00 F * 25 15 4 (919)779-8540
FIRST CITIZENS B&TC OF SC
Mastercard,SC 14.88 F * 25 20 4 (803)733-2050
FIRST CONSUMERS NB
MasterCard, N 18.90 V 1 30 39 2,3,4 (800)876-3262
FIRST DEPOSIT NB 2,3,
Visa Gold, R 14.90 V 1 25 0 4,6,9 (800)227-6886
FIRST FIDELITY BK NA
Visa, R 17.30 V 1 25 15 1 (800)338-0644
FIRST FNCL BK FSB
First Financial 1,2,3,4,
Visa, N 17.80 F * 25 15 5,6,9 (800)472-7708
FIRST HAWAIIAN BK
MasterCard,HI 16.50 F * 25 15 4.6.7 (*00)847-4444
FIRST INTRST BK OF AZ NA
Visa Standard
Card, AZ 17.90 V 1 25 20 N.R. (800)955-5050
FIRST INTRST BK OF CA
MasterCard-
Standard, CA 17.50 V 1 25 20 N.R. (800)955-5050
FIRST INTRST BK OF NV NA
MasterCard-
Standard ,NV 17.90 V 1 25 15 N.R. (800)955-5050
FIRST INTRST BK OF OR NA
Visa Standard
Card, OR 19.50 V 1 25 25 N.R. (800)955-5050
FIRST INTRST BK OF WA NA
Visa Standard
Card, WA 17.90 F * 25 18 N.R. (800)955-5050
FIRST NB OF ATLANTA
Wachovia Bank 13
Visa, N 11.40 V 1 25 39 4 (800)842-3262
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
FIRST NB OF CMRC
Visa/MasterCard,
N 16.90 V 1 25 12 N.R. (800)826-3390
FIRST NB OF OMAHA
Visa, N 19.75 V 9 0 0 4,5,9 (800)688-7070
FIRST NB SD
Visa, SD 19.75 V 9 0 0 4 (800)688-7070
FIRST NH BK
MasterCard,R 16.90 V 1 25 20 4 (800)852-3719
FIRST OF AMER BK-IL-NA
National Gold
MasterCard/Visa,
N 15.40 V 1 25 0 2,3,4,6 (800)423-3883
FIRST OF AMER BK-MI NA
Classic Variable Rate
MasterCard/Visa,
N 16.90 V 1 25 0 N.R. (8000423-3883
FIRST OMNI BK NA
Visa/MasterCard, 2,3,4,
N 17.20 V 1 25 0 5,6,8 (800)441-8026
FIRST SECURITY BK OF ID NA
Visa, ND 17.40 V 1 25 0 4,6 (800)445-2689
Federal Credit LawsThe Fair Credit Reporting Act of 1971: (a) Gives you the right to know what information is held ..... FIRST SECURITY BK OF NM NA
Visa Classic, R 18.00 V 1 25 0 N.R. (800)445-2689
FIRST SECURITY BK OF UT NA
Visa, UT 17.40 V 1 25 0 4,5,6 (800)445-2689
FIRST TENNESSEE
BK NA NMPHS
Visa, R 16.40 V 1 30 0 N.R. (800)234-2840
FIRST UNION NB OF GA
Standard Visa, N 13.90 F * 25 0 4,9 (800)359-3862
FIRST USA BK
First USA Bank
USA, R 14.65 V 1 25 0 3,4,6 (800)955-9900
FIRST VA BK
Visa, R 16.98 F * 25 15 4,8 (800)634-8803
FIRST WESTERN BK NA
Visa, N 15.40 V 1 25 0 4,9 (412)652-7146
FIRSTAR BK MILWAUKEE NA
Elan MasterCard
and Visa, R 18.00 F * 25 15 4 (800)558-3424
FIRSTIER BK NA LINCOLN 14
Visa, R 18.00 F * 25 18 4 (800)432-3209
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
FLEET BK
Fleet Visa, N 16.15 V 1 25 20 4 (800)537-3777
GE CAPITAL CONSUMER
CARD CO
GE Rewards
Preferred, N 19.80 F * 25 0 N.R. (513)677-6736
GREENWOOD TC
Discover, N 17.40 V 1 25 0 1,9 (800)347-2683
HARRIS T&SB
MasterCard & Visa
Classic, N 18.40 V 1 25 0 N.R. (708)520-6550
HOUSEHOLD BK NV NA
Regular Visa/
MasterCard, N 17.90 V 1 25 25 4,9 (800)477-6000
HUNTINGTON NB
MasterCard, R 16.40 V 1 25 0 N.R. (614)480-2719
IDAHO FIRST BK 3,4,5,
Classic Visa,R 17.67 V 5 25 20 6,8,9 (208)387-3640
INTEGRA BK PITTSBURGH
MasterCard, R 14.90 V 3 25 15 2,3,4,6 (412)644-7554
INTRUST BK NA
MasterCard/
Visa, N 16.80 F * 25 12 N.R. (800)222-7458
J C PENNEY NB
Visa, N 19.50 F * 25 15 N.R. (800)247-4714
KELLY FIELD NB
Visa, TX 13.92 F * 25 0 N.R. (210)681-5100
KEY BK OF NY 2,3,4,
MasterCard, NY 14.11 V 3 25 20 5,6 (800)444-4539
KEY FSB 2,3,4,
Secured Visa, N 18.90 F * 25 35 8,9 (800)539-5398
LEADER FED BK FOR SVG 2,3,4,
Visa, R 14.90 F * 25 20 8,9 (800)874-8771
LIBERTY NC&TC OF KY
MasterCard, R 18.00 F * 30 20 4 (502)589-3111
MAGNA BK OF ILLINOIS 1,2,3,
MasterCard,R 17.90 V 1 23 20 4,6 (800)624-6211
MANUFACTURERS &
TRADERS TC 15
Visa, NY 15.75 V 1 25 25 4,6 (800)724-3222
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
MARINE MIDLAND BK
MasterCard, N 19.80 F * 25 20 4,5,9 (800)962-7463
MBNA AMERICA BK NA
MasterCard, N 16.90 F * 25 0 N.R. (800)847-7378
MELLON BK DE NA
Interest Back
MasterCard, N 20.40 V 1 25 0 4,5,8 (800)753-7011
MERCANTILE BK OF IL NA
MasterCard, R 17.90 F * 25 20 4 (800)755-4070
METROPOLITAN NB
Visa Classic,N 9.24 V 8 25 25 N.R. (501)570=1021
NATIONAL BK OF COMMERCE
MasterCard, R 19.80 V 1 25 0 4 (901)529-6259
NATIONAL BK OF SC
MasterCard, SC 16.92 F * 0 0 4 (803)778-8498
NATIONAL CITY BK
MasterVard
Classic, OH 17.90 T * 0 0 9 (800)282-7541
NATIONAL CITY BK
MasterCard 2,3,4,
Gold, N 14.90 V 1 25 0 5,6 (800)727-8686
NATIONAL CITY BK COLUMBUS
MasterCard
Classic, N 17.80 V 1 25 0 N.R. (614)863-8129
NATIONAL CITY BK IN
MasterCard, IN 17.80 F * 25 15 N.R. (800)774-2424
NATIONSBANK OF DE NA
Visa Classic, N 17.90 F * 25 18 4 (800)274-5060
NATWEST BK NA
Visa, N 18.40 V 1 25 20 4,5,6 (800)677-6677
NBD SKOKIE BK NA
Standard MasterCard
& Visa, R 16.90 V 1 25 0 4 (800)766-4623
NORWEST BK IA NA
Norwest MasterCard,
N 17.50 V 1 25 20 1,4 (800)247-8101
NORWEST BK NE NA
Norwest MasterCard,
N 17.50 V 1 25 20 1,4 (800)247-8101
OAK BROOK BK
Prime for First
Year, N 8.50 V 1 25 17 4,5,7,9 (800)666-1011
OHIO SVB BK
Visa/MasterCard, 16
R 14.75 V 1 25 0 4 (216)622-4163
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
OLD KENT B&TC
Variable Rate
MasterCard &
Visa, N 12.30 V 1 25 38 4,9 (800)245-5353
ONE VALLEY BK NA
MasterCard,WV 16.75 F * 0 12 N.R. (800)342-7343
PEOPLES BK
Visa, N 11.50 F * 25 25 N.R. (800)426-1114
PNC BK DE
Visa/MasterCard,
N 13.99 V 1 0 0 N.R, (800)762-2273
PNC BK OH NA
Visa/MasterCard,
N 13.49 V 1 0 0 N.R. (302)791-2073
PNC NB
Visa/MasterCard,
N 13.99 V 1 0 0 N.R. (800)762-2273
PROVIDIAN NB 2,3,4,
Visa Gold, R 14.90 V 1 25 0 6,9 (800)227-6886
PRUDENTIAL B&TC
Visa Gold, R 16.90 F * 30 29 2,8,9 (800)322-2369
S&T BK
Visa, PA 9.96 F * 0 0 4 (412)479-5030
SEATTLE-FIRST NB
Regular MasterCard/
Visa, WA 18.00 V 4 21 18 4,5 (800)522-7300
SECURITY NB&TC 2,4,5,
Visa, R 15.25 V 3 25 18 6,7 (800)356-8085
SIGNET BK VA
Visa, N 19.80 F * 25 18 9 (800)955-7070
SIMMONS FIRST NB
visa, N 9.75 F * 25 35 4,8 (800)636-5151
SOCIETY NB
Visa, R 15.14 V 4 25 20 2,3,4,6 (216)689-7770
SOUTHERN NB OF NC
MasterCard, R 12.40 V 1 25 18 1,4 (800)289-6404
SOUTH TRUST BK OF AL NA
Visa Classic
Card, R 18.90 V 1 25 15 5,9 (800)292-6538
STAR BK NA
Visa, R 17.00 V 1 25 20 2,3,5,8 (513)762-8836
STATE SVG BK 17
Visa, OH 14.63 F * 25 0 N.R. (800)421-9543
INSTITUTION, Ann. Type Grc.
Credit Card Plan % of In- per. Ann. Oth.
and Availability Rate Prcg dex days fee Ftrs. Telephone
SUNTRUST BANCARD NA
Sun Trust Bankcard,
R 17.90 V 1 25 21 N.R. (800)432-4932
TOWN NORTH NB
MasterCard-
Visa, N 14.0 V 4 0 0 4,5 (214)991-9733
TRAVELERS BK
Gold 2,3,4,
MasterCard,N 16.25 V 1 25 0 8,9 (800)772-7775
TRUST CO BK NY
MasterCard,NY 17.90 F * 25 12 N.R. (518)381-3843
U S BK NA
AAA Visa, N 16.90 V 1 25 0 8 (800)872-2650
UNION BK
MasterCard, Ca 19.80 F * 25 15 1,4 (619)496-5355
UNION PLANTERS NB
Gold MasterCard,
N 13.50 V 1 25 0 2,3,6 (800)339-2121
UNITED MISSOURI BK USA
MasterCard, N 17.15 V 1 25 18 N.R. (800)821-5184
UNITED NB
Visa, R 16.49 V 1 25 0 9 (800)242-7600
UNITED STATES NB OF OR
Classic Visa/
MasterCard, OR 17.90 V 1 25 15 4 (800)291-6687
UNIVERSAL BK NA
MasterCard
Classic, N 17.90 v 1 25 20 2,3,4,6 (800)423-4343
USAA FSB
MasterCard, N 12.50 V 4 25 0 N.R. (800)922-9092
WELLS FARGO BK NA
Visa, N 19.80 F * 25 18 N.R. (800)642-4720
WEST ONE BK ID 3,4,5,
Classic Visa, R 16.67 V 5 25 20 6,8,9 (208)387-3640
WILMINGTON TC
MasterCard, N 17.75 V 4 25 18 4,5,8,9 (302)652-2378
1ST FINANCIAL BK SD 18
Visa, N 19.50 V 1 25 20 N.R. (800)733-1732
FRB-50000-395
BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM
WASHINGTON, DC 20551-0001
OFFICIAL BUSINESS.
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