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TERMS AND CONDITIONS NO CREDIT CHECK REQUIRED We verify only your age, social security number and residence. We verify this information through a third party source. We do not consider your credit history in connection with your application. DOUBLE YOUR MONEY BACK GUARANTEE You will be approved if you meet the Guaranteed Approval Requirements below. In addition, to show our confidence in this offer, we will pay you double the processing fee back per the Double Money Back Conditions below in the unlikely event of your not being approved for this offer. BUILD YOUR CREDIT relationship with your New Millennium Bank secured Platinum credit card account. You'll enjoy these valuable benefits when you make your payments on time: a solid credit history on your account and the ability to request credit line increases at any time with additional deposit. CREDIT LIMIT Your credit
cards will have a credit limit of $300.00 to $5,000.00. GUARANTEED APPROVAL REQUIREMENTS Your credit history will NOT be checked. Your approval will be based on verifying the information you supply to us regarding your age (at least 18, 19 in NE), social security number and residence. Your approval is also based on your agreement to open an FDIC insured savings account (minimum $300 — maximum $5,000 per card) with New Millennium Bank, Member FDIC. This is your money, but you pledge it to secure repayment of all credit extended through this program. If you do not open an account meeting these requirements within 60 days, this offer of credit may be withdrawn. DOUBLE MONEY BACK CONDITIONS To apply for a credit card, please return the application with your processing fee. After your processing fee is paid, we will confirm receipt and will send you the documents you need to open the insured savings account(s) that will secure payment of the credit card(s). You will need to complete those documents and return them with your deposit(s). If you want two cards, you will need to send in two deposits. If you do not meet all of these conditions, including sending your deposit(s), this offer will be withdrawn, in which case your processing fee(s) will not be refunded. After receiving those documents, and the funds for the deposit(s), we will verify your age, social security number and residence. After this information is verified, your credit card(s) will be sent to you. If we are unable to verify this information, we will refund your savings account and double your processing fee. However, we will NOT refund your processing fee(s) if we determine that you supplied us with inaccurate information. Note: The cardholder agreement is between Applicant and New Millennium Bank. For assistance call Customer Service at 1-732-729-4395. Cards available only to residents of the 48 states in the continental United States. The words Visa and MasterCard are registered trademarks of VISA U.S.A. and MASTERCARD INTERNATIONAL, INC NOTICES VERMONT, RHODE ISLAND AND NEW YORK RESIDENTS ONLY: A credit report may be requested in connection with your application. At your request, New Millennium Bank (NMB) will tell you whether or not a credit report was obtained and, if so, the name and address of the consumer reporting agency that furnished the report. NMB may also request credit reports from time to time in connection with any update, renewal or extension of the credit account, whenever NMB believes that such action is appropriate. New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department 1-800-518-8866. OHIO RESIDENTS ONLY: The Ohio rules against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. MARRIED WISCONSIN RESIDENTS: No provisions of any marital property agreement, unilateral statement, or court decree under Wisconsin’s marital property act will adversely affect a creditor’s interest unless, prior to the time credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If approved, you agree to advise NMB if you have a spouse who needs to receive notification of this extension of credit. CALIFORNIA AND UTAH RESIDENTS: As required by California and Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. IN A SHORT TIME YOU CAN BE USING YOUR OWN SECURED PLATINUM CARD AUTHORIZATION CERTIFICATION: By completing the Application, you certify that the information supplied on it is true and that you are 18 years of age or older, (19 or older in NE). You understand that false statements given to us to obtain credit may be a crime. You agree that we may contact others to verify the information supplied. You consent to the electronic disclosures of these terms and conditions, including the fee disclosure. Once your account is opened you authorize us to obtain reports from others (such as lenders, stores and credit reporting agencies) from time to time bearing on your credit status, and you authorize such other persons to provide such information.To the extent permitted by law, and subject to our privacy policy, you authorize us to disclose information about you and your performance under agreements with us: (i) to credit reporting agencies, (ii) to other persons (including lenders and stores) that we believe have a legitimate reason to request such information, (iii) to our servicing representatives and marketing companies, (iv) where we reasonably believe disclosure is useful to ensure your compliance with your agreements, or (v) where you give us your written permission. You authorize us to keep the Application, which is our property. You request us to issue a Card bearing your account number to (and in the name of) the Applicant and Co-Applicant. YOU AGREE TO OPEN AN FDIC INSURED SAVINGS ACCOUNT WITH US TO SECURE YOUR CREDIT CARDS. You have read the account information notices, disclosure of credit card terms, and other terms which accompanied this Acceptance Form. You understand and agree to them. You further agree that this Application and all resulting agreements will be subject to United States and New Jersey law. TAX PAYER IDENTIFICATION NUMBER CERTIFICATION — Under penalties of perjury, you certify that the Taxpayer Identification Number (Social Security Number) provided on this Application is correct, and you are not subject to back-up withholding either because: a) you have not been notified that you are subject to back-up withholding as a result of failure to report all interest and dividends, or b) the Internal Revenue Service has notified you that you are no longer subject to back-up withholding. PLEASE NOTE:
IF YOU ARE SUBJECT TO BACK-UP WITHHOLDING, ADVISE US BY Fees and Disclosures
(Please print these disclosures and keep them with your records) Please contact us if you need additional information! |
