Shape Plain Capital Credit Card Application Terms

Shape Plain Clothing, Shape Plain Services are Redeemable Options with Shape Plain Capital Rewards Points, Also Known as Bank of Shape Plain Capital Financial Center Ultimate Rewards®. Bank of Shape Plain Capital Financial Center has twelve account options available. Shape Plain Capital Membership Members are pre-approved.

  1. Garnet
  2. Amethyst
  3. Aquamarine
  4. Diamond
  5. Emerald
  6. Pearl 
  7. Ruby
  8. Peridot 
  9. Sapphire
  10. Opal
  11. Yellow Topaz
  12. Blue Topaz

Bank of Shape Plain Capital
Secured Credit Card Deposit Requirements 
Minimum $300.00 USD
Max $2,147,783,647.00 USD

Shape Plain Capital Credit Card Application Terms

Annual Percentage Rate (APR) for Purchases 0% Introductory APR Through Your 2024 Billing Period.
After That, Your APR will be 27.99%.
This APR will Vary with the Market based on the Prime Rate
APR for Transfer

27.99%

This APR will Vary with the Market based on the Prime Rate.
APR for Cash Advances

27.99%

This APR will vary with the market Based on the Prime Rate.
Paying Interest

Your Due Date is at Least 25 days after the Close of each Billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by due date each month. We will begin changing interest on cash advances and transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau

To Learn more about factors to consider when applying for or using a credit card, visit the website of the consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

Fees

Annual Fee None.

Transaction Fees

  • Transfer
  • Cash Advance

5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.

None for balances transferred at the transfer APR.

Either $10 or 5% of the amount of each cash advance, whichever is greater.

 

Penalty Fees

  • Late Payment

up to $40.

 

    • How do you calculate My Balance? We use a method called "average daily balance (including new Transactions)."
    • Are There Any Other Penalty Fees Associated with This Card That Are Not Listed In The Box Above? No. There Are no Additional Penalty Fees associated with these cards.
    • When can I Request a Transfer? Transfer Eligibility is determined by Shape Plain Capital at our discretion. Transfer Between Shape Plain Capital Accounts, including branded Partner accounts, are not available.
    • Can You Change My APRs? We can Change the Terms on Your Account, When Required, we will send you notice before doing so.
    • How do you Determine My Credit Line? We Will Determine Your Credit Line After a review of your application and your ability to pay.
    • How Do You Calculate My Minimum Payment? if your balance is less than $25,000.00 your minimum payment will be equal to your balance. otherwise, your minimum payment will be the greater of $25,000 or 3% of your balance plus new interest and late payment fees. We will also add any past due amount to your minimum payment. if your Account changes off, the entire balance is due immediately.
    • Are Unauthorized use of $0 Fraud Liability Claims subject to investigation and verification? Yes

Shape Plain Clothing, Shape Plain Capital Credit Cards Designs Belong to Shape Plain Clothing.

Thank you for considering applying for a credit card with Shape Plain Captial. We understand that choosing the right credit card can be a complex decision, and we are here to provide you with all the necessary information to make an informed choice.
Before proceeding with your credit card application, it is important to familiarize yourself with the terms and conditions associated with our credit card offerings. By understanding these terms, you can ensure that you are making the best decision for your financial needs.
Eligibility:
To be eligible for a credit card with Shape Plain Capital you must meet certain criteria:
  • You must be at least 18 years old.
  • You must have a valid government-issued identification.
  • You must have a stable source of income.
  • You must have a good credit history.
Application Process:
Our credit card application process is simple and straightforward. You can apply online through our secure website or visit one of our authorized retail locations. During the application process, you will be required to provide personal and financial information, including your name, address, employment details, and income information.
Approval:
Once you have submitted your credit card application, our team will review your information and assess your eligibility. The approval process typically takes a few business days. If your application is approved, you will receive a notification via email or mail.
Credit Limit:
The credit limit assigned to your credit card will depend on various factors, including your income, credit history, and creditworthiness. The credit limit determines the maximum amount you can borrow on your credit card.
Interest Rates and Fees:
It is important to understand the interest rates and fees associated with our credit cards. The interest rate is the annual percentage rate (APR) charged on any outstanding balances. Additionally, there may be annual fees, late payment fees, and fees for cash advances or balance transfers. Please refer to the specific credit card terms and conditions for detailed information on interest rates and fees.
Responsibility:
When applying for a credit card, it is crucial to understand your responsibility as a cardholder. You are responsible for making timely payments, managing your credit card balance, and adhering to the terms and conditions outlined by Shape Plain Capital. Failure to meet these responsibilities may result in additional fees, penalties, or damage to your credit score.
Security:
At Shape Plain Capital, we prioritize the security of your personal and financial information. Our credit card application process is designed to protect your data and ensure a secure transaction. We employ industry-standard encryption and security measures to safeguard your information.
Conclusion:
By understanding the credit card application terms and conditions, you can make an informed decision that aligns with your financial goals. If you have any further questions or require assistance with your credit card application, please do not hesitate to contact our customer support team.