Terms and Conditions
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

13.24%, 16.24% or 19.24% when you open your account, based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

0% introductory APR on your Initial Bluegreen Purchase (see below) for the first six billing cycles after the account is opened.

After that, your APR will be 13.24%, 16.24% or 19.24%, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% introductory APR for the first six billing cycles after the account is opened.

After that, your APR will be 13.24%, 16.24% or 19.24% based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

21.99%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 30.24%, based on your creditworthiness.

This APR may be applied to your account if you make a late payment.

This APR will vary with the market based on the Prime Rate.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00

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

$0

Transaction Fees:

 

  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $5 or 3% of each transfer, whichever is greater; the maximum fee per transfer: $50, after that no maximum).

  • Cash Advance

Either $10 or 3% of the amount of each cash advance, whichever is greater.

  • Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:

 

  • Late Payment

Up to $35  

  • Over-the-Credit-Line

$0

  • Returned Payment

Up to $35  

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)".

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.


Terms and Conditions Continued:

Important Information about the Bluegreen Credit Card Program: Offers may vary. Please carefully review the reward benefits (such as bonus miles/points and how miles/points are earned), interest rates and account fees and terms of this particular offer before applying.

The "Initial Bluegreen Purchase" means the initial Bluegreen qualifying purchase that posts to this credit card account within the first 30 days of account opening.

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement. I agree that if I am not approved for a World account that I may be approved for a Platinum account. 

About This Offer: You must be at least 18 years of age. This offer is available only to applicants who are residents of the United States,  with the exception of Iowa, Puerto Rico and the US territories, and may not be available if you already have or have had an account with us. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations,  we may be unable to open an account for you, or you may receive a Platinum card. Platinum benefits differ from World benefits. Please review the materials provided with your card for details.  

About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.

Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.

About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.

How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 01/30/2014 using a Prime Rate of 3.25%.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for your country of citizenship.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.

Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges may apply.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15/16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. If the total amount you request exceeds the assigned credit line on your new account, we may either decline the request or send a partial payment to your creditor(s).  The amount of available credit on your new account will be reduced by the amount transferred and the related balance transfer fees.  We reserve the right to decline to process any requested balance transfer.  We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights.  Upon approval of your application we will process the requested balance transfer payment to the account(s) which you have requested on the 10th day after we’ve mailed you your card; during this 10 day time period you may cancel your balance transfer by contacting us at the number on the back of your card.

A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved. Balance transfers are subject to availability. We may deny balance transfer requests at any time and for any reason.

Paying Interest on Balance Transfers and Cash Advances:
We charge interest on balance transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge you interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues.

Cash Equivalent Purchases: The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see the Cardmember Agreement that will accompany your credit card upon account opening for more details.

The information contained in these disclosures is accurate as of 01/30/2014 and may change after this date.

Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays Bank Delaware and Bluegreen may share information about me and my account to the extent needed to administer the Bluegreen Encore Rewards MasterCard in conjunction with the Bluegreen Encore Rewards Program.

Bluegreen Encore Dividend Rewards Program:

Encore Rewards is a member rewards program available to Bluegreen Vacation Club owners. The Encore Rewards program is administered by Bluegreen and Bluegreen is solely responsible for establishing the terms and conditions of your participation and subsequent Encore Dividends accumulation in the Encore Rewards program. Bluegreen may change the program terms, conditions and regulations at any time with or without prior notice.

Your Bluegreen Encore Rewards MasterCard is issued by Barclays Bank Delaware ("Barclays"). Bluegreen is not a party to the Credit Card Agreement. The rewards for Bluegreen's products and services are administered by Bluegreen and any other rewards are administered by an independent company that is not affiliated with Barclays or Bluegreen. Bluegreen may share information as needed in order to administer the rewards program. By accepting this card, you agree that Barclays may share information regarding your account, including the account number and transaction information, with Bluegreen for the purposes of providing customer service to you for the Program.

Eligibility: The Bluegreen Encore Rewards MasterCard Program is available to Bluegreen vacation Club owners who maintain a credit card account in good standing by Barclays. If you are not a Bluegreen Vacation Club owner and you have the card, you are not eligible to earn or redeem any Encore Dividends accrued until such time that you become a Bluegreen Vacation Club owner. Any Encore Dividends earned while you are an owner will be forfeited if you do not maintain Bluegreen Vacation Club ownership. Encore Dividends accrued expire within 3 years. We reserve the right to approve, deny or revoke participation in the Bluegreen Encore Rewards MasterCard Program (the "Program") to any individual for any reason whatsoever.

Earning Encore Dividends: Cardmembers will earn two (2) Encore Dividends for every one dollar ($1.00) spent on specified Bluegreen products and services including down payment on vacation ownership purchase, maintenance fees and upgrades. Cardmembers will earn one (1) Encore Dividend for every one dollar ($1.00) spent on all other Bluegreen purchases including restaurants, activities and amenities and purchases made anywhere else.

Effective on September 10, 2010, to continue to participate in the rewards program, your account must remain open and in good standing, you must maintain your creditworthiness and you must use your card for at least one (1) purchase transaction every six (6) months (or have some type of account balance every six months).  Failure to meet these requirements may result in account closure and/or forfeiture of all outstanding points earned.  In addition, if your payment is late in a particular billing cycle, this may result in the forfeiture of points earned in that billing cycle.  If your points are forfeited for any reason, we will not reinstate these points to your account.

On the closing date of each billing cycle that you maintain owner status and your Account remains open and current, we will report to Bluegreen the Net Purchases charged to your Account during a billing cycle. If your Account is not open and/or current on the date a billing cycle closes, we will report no Net Purchases for that billing cycle. Encore Dividends will be issued to the Primary Cardmember, regardless of who made the "Purchase." "Net Purchase" Encore Dividends for a billing cycle are determined by totaling all new Purchases added to the Account during the billing cycle, and then subtracting Encore Dividends posted to the Account during the period for returned Purchases and/or adjustments. For purposes of reporting Net Purchases, we may round up or down to whole dollar amounts. If Encore Dividends for returned Purchases exceed new Purchases during a billing cycle, we will report negative Net Purchases and ask Bluegreen to reduce the Primary Cardmembers accrued Encore Dividends accordingly. Net Purchases does not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances or non-qualifying Balance Transfers, whether received from financial institutions, automated teller machines, by use of Barclays checks, or by any other means. Barclays reserves the right to exclude from Net Purchases unauthorized Purchases, Purchases which are added to your Account after you are past due or over limit. We may ask Bluegreen to withdraw Encore Dividends previously awarded if your Account is more than sixty (60) days past due, or if the Encore Dividends were awarded on Purchases not authorized by you. Barclays is not responsible for issuing Encore Dividends under the Program, arranging or providing for any services related to travel or the use of Encore Dividends, for any delay, failure, or refusal by Bluegreen to issue or redeem Encore Dividends, or for any decision by Bluegreen to revoke or cancel Encore Dividends or membership in the Program.

Barclays will show on your credit card monthly account statement the Primary Cardmembers accrued Encore Dividends as reflected in our records. You understand that there will be a delay between the date you make a purchase, the date we report Net Purchases to Bluegreen, and the Bluegreen posts Encore Dividends. For this and other reasons, our records and the records of Bluegreen regarding the Primary Cardmembers accrued Encore Dividends may differ. Encore Dividends earned from qualifying purchases for use of the Bluegreen Encore Rewards MasterCard may be redeemed for Awards for a period of three (3) years from the date posted to the account.

Bonus Encore Dividends: The 1,000 bonus Encore Dividends for which you applied will be awarded upon the first use of the account for a purchase or balance transfer.

Redeeming Encore Dividends: You may redeem Encore Dividends through Bluegreen. Encore Dividends may be redeemed for gift cards, maintenance fees and upgrades.

Redeemed Rewards are not refundable, replaceable, or transferable for cash, credit, other Rewards, or Encore Dividends under any circumstances. All Rewards are subject to change and availability.

We reserve the right to modify or cancel any Reward at any time. Encore Dividends, rewards have no value except as used in accordance with the Terms and Conditions of the Program and of the rewards suppliers.

Any additional travel or accommodation arrangements made in connection with any Reward will be your sole responsibility. Determination and payment of tax liability related to participation in the Program are the sole responsibility of the Cardmember. From time to time, we may offer bonuses or Encore Dividends or other premiums to new Bluegreen Cardmembers. Unless otherwise stated in the offer, these bonuses and /or awards are intended for persons who are not, and have not previously been, Bluegreen Encore Rewards MasterCard Cardmembers. You understand and agree that, unless we otherwise state, you are no longer eligible to receive these bonuses and/or awards for any new Bluegreen MasterCard Account you open after this Account is opened. If you receive a bonus or award for which you are not eligible, we may revoke the bonus or award, or reduce your Encore Dividends by the amount of the award, or charge your account for the fair value of the bonus or award, at our option. Encore Dividends are non-transferable.

Bluegreen is not a party to the Credit Card Cardmember Agreement between you and Barclays, and does not participate in any extension of credit and has no authority regarding the Account. Barclays is the sole creditor and owner of the Account. You authorize us to share information about your account with Bluegreen to the extent needed to administer the Encore Dividends Rewards program. You also agree that we may share Account information as set forth in our Privacy Policy.

***Initial Down Payment for Bluegreen Vacation Club owners purchase must be made with the account within the first 30 days of account opening.***

©2013 Barclays Bank Delaware

 

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