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Download Consumer Credit Card Application Frequently Asked Questions Platinum Card Benefits• VISA branded • Accepted anywhere VISA is accepted • Scorecard Rewards (with no annual fee!) • Dedicated VIP customer service staff and resources on a 24/7 basis • Customer service based in the United States • Competitive tiered APR • Verified by VISA • Travel accident insurance • Identity theft assistance the bank of missouri Platinum Card Features• Zero fraud liability • No double billing cycle • Full 25-day payment cycle • Obtain cash at ATMs • On-going fraud monitoring Zero Fraud Liability• Cardholder is protected due to fraud • Protection is for shopping on-line or off • Use your VISA Platinum card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your card or account information. With VISA's Zero Liability policy*, your liability for unauthorized transactions is $0 - you pay nothing. (If you notice an unauthorized transaction, call the number on the back of your card immediately, and our fraud team along with VISA take care of the situation.) *VISA's Zero Liability policy covers U.S. -issued cards only and does not apply to ATM transactions, PIN transactions not processed by VISA, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer Customer Service for additional details. Rewards PointsScoreCard Rewards Points• With every VISA Platinum Card purchase, cardholders can earn points toward your favorite rewards. • Earn one point for every dollar in net retail purchases. • Cardholders can redeem points for merchandise, rental cars, cruises,hotels and airline travel with fewer restrictions and no blackout dates. • There’s no cap to how many points cardholders can earn the bank of missouri
MyCardStatement.comMyCardStatement.com is a way for cardholders toaccess credit card data in an easy to navigate site.Cardholders Value include:• Provide tools needed to manage accounts online • On-line account access 24/7 basis • Bill payment 24/7 basis free of charge • View recent transactions posted to the account • Find information needed to research and dispute transactions Auto Rental WaiverCollision and theft coverage for cardholders• To activate coverage - complete rental transaction with the covered VISA Platinum credit card and decline collision damage waiver offer by rental company. • 24-hour coverage. Cardholder should call 1-800-VISA-911 (outside the US call 410-581-9994) and direct questions to a Benefit Administrator • Go to www.Visa.com, search "Auto Rental Waiver Personal", for an overview of the benefit and FAQ’s • Prior to a cardholders trip, it is recommended that they call the number listed above to confirm coverage and details
Identity Theft Assistance• Receive free, confidential counseling for identity theft • Call 1-866-ID-HOTLINE if you are a victim of identity theft • VISA, in partnership with the consumer network Call for Action, help with assistance due to identity theft • See how it works at www.visa.com/verified. Click Identity Theft Assistance on the left side of the webpage for further information • Cardholders can also go to www.callforaction.org for theft resources and consumer tips the bank of missouri Click here for complete disclosureand terms of agreement More Great ResourcesVisa’s Practical Money Skills for Life – This state of-the-art interactive learning curriculum is designed to teach you how to develop the skills you need to manage your money. It covers financial planning, budgeting, the dangers of irresponsible spending and understanding the importance of maintaining a good credit history. It is available online with options that range from Credit Resources to Budget Worksheets, just click on the link below to visit the site now: www.practicalmoneyskills.com Visa Student Program – VISA offers an online program that targets college students with advice on budgeting, credit cards, financial tools and information on financial aid. The site includes special offers and promotions when you use your VISA card, so be sure to check it frequently! www.usa.visa.com/personal/student
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