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Cardholder Agreement

Review and sign to complete your application

You must read the entire agreement before signing. Scroll to the bottom to enable signing.

PRESTIGE VISA FINANCIAL LLC — CARDHOLDER AGREEMENT

Effective upon approval. This Agreement governs your use of the Prestige Visa Credit Card ("Card") issued by our Issuing Bank Partner.

1. CREDIT LIMIT. Your initial credit limit is $1,000. We may increase or decrease your limit at any time with notice.

2. INTEREST RATES. The Annual Percentage Rate (APR) for purchases is 29.99% variable. The Penalty APR is 39.99% if you make a late payment.

3. FEES. Annual Fee: $75. Monthly Maintenance Fee (after first year): $6.25/month. Foreign Transaction Fee: 3%. Late Payment Fee: up to $40. Returned Payment Fee: up to $40.

4. MINIMUM PAYMENT. You must pay at least the minimum payment shown on your statement by the due date each month. The minimum payment is 2% of your balance or $25, whichever is greater.

5. BILLING CYCLE. Your billing cycle is monthly. Statements are generated at the end of each cycle. You have 25 days from the statement date to pay without incurring interest on purchases.

6. DEFAULT. You are in default if you fail to make a minimum payment, exceed your credit limit, or provide false information in your application.

7. ARBITRATION AGREEMENT. Any dispute arising from this Agreement shall be resolved by binding arbitration rather than in court, except for small claims court cases.

8. CREDIT REPORTING. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults may be reflected in your credit report.

9. AUTHORIZATION. By signing below, you authorize Prestige Visa Financial LLC and its Issuing Bank Partner to verify your identity, check your credit, and process your application.

10. ELECTRONIC CONSENT. You consent to receive communications from us electronically. This Agreement may be signed electronically pursuant to the federal E-SIGN Act (15 U.S.C. § 7001).

— End of Cardholder Agreement —

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Your electronic signature is legally binding under the E-SIGN Act (15 U.S.C. § 7001). A copy will be retained for our records.

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Visa® Credit Card Application

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1

Personal Information

Your name and contact details

First name must contain letters only (2–50 chars).

Last name must contain letters only (2–50 chars).

Please enter a valid email address.

Please enter a valid US phone number.

Enter MM-DD-YYYY format. You must be at least 18 years old.

2

US Address

Your current residential address

5 digits required.

3

Housing & Financial Information

Your housing status, income, and debt

Please select your housing status.

$

Please enter your gross monthly income.

$

Please select an option.

4

Social Security Number

Required for identity verification

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Please enter your valid 9-digit Social Security Number.

5

Consent & Authorization

Required to complete your application

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