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Information for You

Business Visa Platinum

Streamline your company expenses and control spending with a Business Visa Platinum.

Easily track business expenses

A business credit card can help you manage your company’s finances and keep track of everyday purchases. Plus, it’s convenient enough to provide purchasing power whenever the need arises.

Apply

To apply for a Business Visa Platinum card, visit a branch or email BusinessServices@midflorida.com

Terms of Service

Annual Percentage
Rate (APR) for
Purchases, Balance
Transfers, and
Cash Advances
8.99%

The Floor Rate is 8.99% and the Annual Percentage Rate can never be less than 8.99%

Variable Rate Information

The Annual Percentage Rate may vary. The rate for purchases, balance transfers, and cash advances is determined by adding 2.00% to the Prime Rate. The Prime Rate is the highest rate of interest identified as the Prime Rate in the Money Rates column of the Wall Street Journal.

Penalty APR and When it Applies

17.99%
This APR may be applied to your account if you fail to make a payment due in two (2) consecutive billing cycles. Your rate will increase to a fixed rate of 17.99% until the account is brought current and remains current for six (6) consecutive billing cycles, at which time your rate for Purchases will revert to the rate then applicable and will vary thereafter according to the Variable Rate provision above.

Grace Period for Repayment of Balances for Purchases

You have 25 days calculated from the statement closing date to repay your balance for purchases before a finance charge will be imposed.

Method of Computing the Balance for Purchases

The finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases.

Method of Computing the Balance for Cash Advances and Balance Transfers

The finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances and balance transfers.

Minimum Finance Charge

$0

FEES

 

Annual Fee

$0

Balance Transfer Fee

$0

Cash Advance Fee

$10.00 minimum or 2% of the amount advanced, whichever is greater.

Foreign Transaction Fee

1% of the transaction amount if the transaction involves a currency conversion. If no currency conversion is involved, the fee is 0.8%.

Late Payment Fee

$10.00 or 5% of the unpaid portion of the past due amount for each billing period in which your minimum payment is not received by the due date. This fee may be added to your account balance, or collected from you on demand.

Over-the-Credit Limit Fee

$10.00 minimum or 10% of over limit amount for each billing period in which your New Balance exceeds your credit limit, whichever is greater. This fee may be added to your account balance, or collected from you on demand.

Return Payment or Insufficient Funds Fee

$25.00 if your payment is returned for any reason. This fee may be added to your account balance, or collected from you on demand.

Stolen/Lost Replacement Card Fee

$0

Minimum Payment Requirement

2% of the statement ending balance plus any unpaid payment amounts from previous statements plus any amount owed over your credit limit, with a minimum of $10.00.

Please see the disclosure that is given to you. The information above is accurate as of September 1, 2012 and is subject to change after this date. Please contact us at Business Services Department, P.O. Box 8008, Lakeland, FL, 33802 for any changes in this information.

Credit Card Disclosure Request
To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.

To report a lost or stolen Credit Card, please call 877-602-9023 available 24 hours a day, 7 days a week.

Business Visa Application     Business Visa Agreement