The Hills Bank and Trust Company Visa Gold credit card was once the premier card offered by this Iowa community bank. It has since been replaced by the Visa Platinum Rewards card.
Online credit cards are just a click away with the box at the bottom of the page!
HBTC Visa Gold Replacement Card
While the Hills Bank and Trust Company, or HBTC, Visa Gold is no longer being offered to new applicants, those who already had one in their wallets before the switch may still continue using the card. New cardholders will receive the HBTC Visa Platinum Rewards card.
The HBTC Visa Platinum Rewards card has a $15 credit card annual fee. The APR ranges from 10.25% to 14.25%.
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A short guide to some of the main issues around the government’s plan to ban all excessive surcharges on debit and credit card transactions. 560 315 TelegraphPlayer_8974974
By Andy Bloxham
10:14AM GMT 23 Dec 2011
What’s the problem?
Consumers increasingly face high fees – known as surcharges – when purchasing goods and services when paying by credit and debit cards.
Low-cost airlines are among the worst offenders, with some charging a fee per passenger, per leg of the journey, despite the fact that they only have to process one transaction.
What’s changing?
Credit card companies are now offering lots of freebies and treats for their customers. This is to encourage more people to purchase more since shopping season is up coming and people are hurrying to complete their Christmas shopping. Those who have a good credit score will surely benefit from the rewards most credit cards are offering since these companies truly aim to give incentives and cash back to those who are considered as good payers. Rewards may be very attractive to consumers since there are also travel miles that are given for free.
According to Bill Hardekopf of a famous credit card website, credit card companies are now turning to rewards and deals for their customers simply because it is more effective in encouraging their customers to make purchases than encouraging them to use their debit cards. With all the fees that card owners will pay whenever they use their debit cards, it just makes people tired and opts to use their credit cards instead.
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As consumer credit is becoming a much more complex subject, it is very important for consumers of today to realize that there is little margin for error when it comes to applying for a new credit card. The mistakes you may have made in the past should have taught you a lesson now that credit is much harder to get.
Unfortunately there are still those who continue to make the same costly mistakes when it comes to acquiring a new credit card. Here is a reminder list of what not to do when applying for or using a credit card:
Check Your Credit Score First
Before you even submit an application for a new credit card, you need to know where you stand credit score-wise. Without having a good credit background, it can prove difficult for you to get approval for a credit card. If you have to keep applying with different providers for new credit cards, you are further harming your credit score with too many inquiries.
Find the Right Card
With so many credit cards on the market, it can be difficult to narrow down your choices.
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Starting next week, holders of Bank of America credit cards could be charged with penalty rates up to 29.9%, if they make a late payment.
Related
The bank began letting its customers know about the change in April. It said that beginning June 25, one tardy payment may lead to the higher penalizing interest rates. Although a higher rate is not automatic following a late payment, the bank said that a late payment will lead to an account review, which could in turn bring about a rate hike based upon the consumer’s payment history.
Once the decision has been made to raise the rate, the customer will be given a 45-day in advance notification. Then, only new purchases will be subject to the new rate. I
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