Here's your chance.
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases
19.9%
APR for Initial Balance Transfer APR for Cash Advances How to Avoid Paying Interest on Purchases Minimum Interest Charge For Credit Card Tips from the Federal Reserve Board Fees
19.9%
19.9% Your due date is at least 27 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. If you are charged interest, the charge will be no less than $1.00. To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Set-up and Maintenance Fee • Monthly Servicing Fee
$75.00 annually (which will be billed at $6.25 per month and will not bill on your first monthly statement).
Transaction Fees • Cash Advance
Either $6.00 or 5% of the amount of each Cash Advance, whichever is greater.
• Foreign Currency
3% of each transaction amount in U.S. dollars.
Penalty Fees • Late Payment • Return Item Charge
Up to $35.00. Up to $35.00.
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” You will not have available credit on your new Credit Account when it is issued because you will authorize a transfer of existing debt to this Credit Account. Rushmore Service Center is the debt collector assigned to your account. First PREMIER Bank is not a debt collector and will not receive any information on you or your account until you decide to apply for the Aventium Card. Please read the reverse side for important disclosures. When transferring the settlement to the Aventium Card, the owner of your account will receive less than the settlement amount.
This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Please read the reverse side for important disclosures.
Aventium Here’s your chance. Take advantage of this opportunity to settle your account.
Transfer your balance today!
You could receive your Aventium® MasterCard® within 21 days.
Apply today for an Aventium MasterCard . ®
®
You could settle your debt and establish a new MasterCard account. How the program works. Call us at 1-866-950-7300 to apply for the Aventium MasterCard issued by First PREMIER® Bank, member FDIC, and discuss a settlement amount. If approved, the settlement amount will be transferred to your new MasterCard account. Your initial credit limit will be equal to the settlement amount transferred to the MasterCard account. If approved please watch the mail for your new Aventium MasterCard, a Welcome Letter, Account Opening Disclosures, Card Contract, Privacy Policy, and your first Monthly Billing Statement.
Benefits after making your first qualifying payment: Your account will be settled and the balance will be transferred to your Aventium MasterCard. First PREMIER Bank will report the new Aventium MasterCard AND your ongoing payment history to the major Consumer Reporting Agencies. You can build available credit on your Aventium MasterCard by making additional payments. You will be eligible for consideration of a credit limit increase as soon as your Credit Account has been open for 13 months.
Be sure to make your first qualifying payment on your Aventium MasterCard. Once you make your first qualifying payment, you can request a letter confirming that your debt has been settled. Failure to make your first qualifying payment will cause your Aventium MasterCard settlement arrangement to be cancelled and the total balance of your debt will again become due and subject to collection efforts. You will not have available credit on your new Aventium MasterCard when it is issued. However, your first Minimum Monthly Payment will open up available credit to use anywhere that accepts MasterCard cards (subject to your available credit). Your first minimum payment will be the greater of $30.00 or 4% of the Balance Transfer amount. The Monthly Servicing Fee will not be charged to your account until after your first payment. Continue making timely monthly payments of at least the Minimum Payment to provide available credit on your Aventium MasterCard.
How to apply for your Aventium MasterCard. Call Rushmore Service Center 1-866-950-7300 to expedite the application.
Approved applicants may receive their new Aventium MasterCard in as few as 15-21 days.
This offer is only available while your account is placed with Rushmore Service Center, the collection agency noted in the attached letter. By applying for the Aventium MasterCard, you agree that your personal information will be provided to First PREMIER Bank and its affiliates to process your application. Aventium MasterCard Disclosure Information MINIMUM CONDITIONS FOR APPROVAL: This offer is subject to the following conditions: (1) You are at least 18 years of age; (2) You have a gross annual income of at least $10,000.00; (3) You have sufficient income or assets to meet your obligations; (4) You are a legal U.S. resident; (5) Your outstanding account must not have been previously discharged through bankruptcy or currently subject to bankruptcy proceedings; (6) You do not already have a First PREMIER® Bank Credit Account or one pending application; (7) We can verify your identity as required by the USA PATRIOT Act; (8) All information supplied in the application process can be verified. Taxable Income Possible: The Internal Revenue Service requires all financial institutions to report to them any cancellation or forgiveness of principal debt of $600 or more. No reporting is required for the cancellations or forgiveness of any non principal amounts such a interest, fees, etc. If you choose to participate in a settlement and the principal forgiveness is $600 or more, such amount will be reported on form 1099-C in January of next year and a copy of the form will be provided to you and the IRS. You are responsible for any tax liability associated with this transaction. If you have any questions about the tax implications please contact your tax advisor.
California Residents: A married applicant may apply for a separate Credit Account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a Consumer Reporting Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right to use the Credit Account up to the limit of the account. Each applicant may be liable for amounts extended under the plan to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. Kentucky Residents: You may pay the unpaid balance of your Credit Account in whole or in part at any time. Maine Residents: Credit insurance provided herein is voluntary and you have the right to cancel such credit insurance at any time. Vermont Residents: First PREMIER Bank may obtain a consumer report for any legitimate purpose in connection with your Credit Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your Credit Account. Upon your request, we (First PREMIER Bank) will inform you of the names and addresses of any Consumer Reporting Agencies that have furnished the reports. New York And Wisconsin Residents: This offer is not available to residents of New York or Wisconsin. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide identifying documentation. According to your creditor’s records, your debt is still within the applicable statue of limitations, and your creditor may still sue you to collect this debt. By accepting the Aventium MasterCard, you agree to refinance the amount transferred in settlement of your debt and the original date established by the statue of limitations will no longer apply, and First PREMIER Bank may be entitled to bring legal action on your new Aventium MasterCard. However, FPB has agreed not to bring legal action on any balance on your present debt initially transferred to your Aventium MasterCard. If your present debt is outside the applicable reporting period for credit reporting purposes, accepting the Aventium MasterCard will make your new MasterCard account and balance reportable to the Consumer Reporting Agencies if you fail to meet the terms of your new MasterCard, then First PREMIER Bank may report negative information about your account (your present debt transferred to your new Aventium MasterCard) to the Consumer Reporting Agencies.
19.9%
APR for Initial Balance Transfer APR for Cash Advances How to Avoid Paying Interest on Purchases Minimum Interest Charge For Credit Card Tips from the Federal Reserve Board Fees
19.9%
19.9% Your due date is at least 27 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. If you are charged interest, the charge will be no less than $1.00. To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Set-up and Maintenance Fee • Monthly Servicing Fee
$75.00 annually (which will be billed at $6.25 per month and will not bill on your first monthly statement).
Transaction Fees • Cash Advance
Either $6.00 or 5% of the amount of each Cash Advance, whichever is greater.
• Foreign Currency
3% of each transaction amount in U.S. dollars.
Penalty Fees • Late Payment • Return Item Charge
Up to $35.00. Up to $35.00.
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” You will not have available credit on your new Credit Account when it is issued because you will authorize a transfer of existing debt to this Credit Account. Rushmore Service Center is the debt collector assigned to your account. First PREMIER Bank is not a debt collector and will not receive any information on you or your account until you decide to apply for the Aventium Card. Please read the reverse side for important disclosures. When transferring the settlement to the Aventium Card, the owner of your account will receive less than the settlement amount.
This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Please read the reverse side for important disclosures.
Aventium Here’s your chance. Take advantage of this opportunity to settle your account.
Transfer your balance today!
You could receive your Aventium® MasterCard® within 21 days.
Apply today for an Aventium MasterCard . ®
®
You could settle your debt and establish a new MasterCard account. How the program works. Call us at 1-866-950-7300 to apply for the Aventium MasterCard issued by First PREMIER® Bank, member FDIC, and discuss a settlement amount. If approved, the settlement amount will be transferred to your new MasterCard account. Your initial credit limit will be equal to the settlement amount transferred to the MasterCard account. If approved please watch the mail for your new Aventium MasterCard, a Welcome Letter, Account Opening Disclosures, Card Contract, Privacy Policy, and your first Monthly Billing Statement.
Benefits after making your first qualifying payment: Your account will be settled and the balance will be transferred to your Aventium MasterCard. First PREMIER Bank will report the new Aventium MasterCard AND your ongoing payment history to the major Consumer Reporting Agencies. You can build available credit on your Aventium MasterCard by making additional payments. You will be eligible for consideration of a credit limit increase as soon as your Credit Account has been open for 13 months.
Be sure to make your first qualifying payment on your Aventium MasterCard. Once you make your first qualifying payment, you can request a letter confirming that your debt has been settled. Failure to make your first qualifying payment will cause your Aventium MasterCard settlement arrangement to be cancelled and the total balance of your debt will again become due and subject to collection efforts. You will not have available credit on your new Aventium MasterCard when it is issued. However, your first Minimum Monthly Payment will open up available credit to use anywhere that accepts MasterCard cards (subject to your available credit). Your first minimum payment will be the greater of $30.00 or 4% of the Balance Transfer amount. The Monthly Servicing Fee will not be charged to your account until after your first payment. Continue making timely monthly payments of at least the Minimum Payment to provide available credit on your Aventium MasterCard.
How to apply for your Aventium MasterCard. Call Rushmore Service Center 1-866-950-7300 to expedite the application.
Approved applicants may receive their new Aventium MasterCard in as few as 15-21 days.
This offer is only available while your account is placed with Rushmore Service Center, the collection agency noted in the attached letter. By applying for the Aventium MasterCard, you agree that your personal information will be provided to First PREMIER Bank and its affiliates to process your application. Aventium MasterCard Disclosure Information MINIMUM CONDITIONS FOR APPROVAL: This offer is subject to the following conditions: (1) You are at least 18 years of age; (2) You have a gross annual income of at least $10,000.00; (3) You have sufficient income or assets to meet your obligations; (4) You are a legal U.S. resident; (5) Your outstanding account must not have been previously discharged through bankruptcy or currently subject to bankruptcy proceedings; (6) You do not already have a First PREMIER® Bank Credit Account or one pending application; (7) We can verify your identity as required by the USA PATRIOT Act; (8) All information supplied in the application process can be verified. Taxable Income Possible: The Internal Revenue Service requires all financial institutions to report to them any cancellation or forgiveness of principal debt of $600 or more. No reporting is required for the cancellations or forgiveness of any non principal amounts such a interest, fees, etc. If you choose to participate in a settlement and the principal forgiveness is $600 or more, such amount will be reported on form 1099-C in January of next year and a copy of the form will be provided to you and the IRS. You are responsible for any tax liability associated with this transaction. If you have any questions about the tax implications please contact your tax advisor.
California Residents: A married applicant may apply for a separate Credit Account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a Consumer Reporting Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right to use the Credit Account up to the limit of the account. Each applicant may be liable for amounts extended under the plan to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. Kentucky Residents: You may pay the unpaid balance of your Credit Account in whole or in part at any time. Maine Residents: Credit insurance provided herein is voluntary and you have the right to cancel such credit insurance at any time. Vermont Residents: First PREMIER Bank may obtain a consumer report for any legitimate purpose in connection with your Credit Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your Credit Account. Upon your request, we (First PREMIER Bank) will inform you of the names and addresses of any Consumer Reporting Agencies that have furnished the reports. New York And Wisconsin Residents: This offer is not available to residents of New York or Wisconsin. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide identifying documentation. According to your creditor’s records, your debt is still within the applicable statue of limitations, and your creditor may still sue you to collect this debt. By accepting the Aventium MasterCard, you agree to refinance the amount transferred in settlement of your debt and the original date established by the statue of limitations will no longer apply, and First PREMIER Bank may be entitled to bring legal action on your new Aventium MasterCard. However, FPB has agreed not to bring legal action on any balance on your present debt initially transferred to your Aventium MasterCard. If your present debt is outside the applicable reporting period for credit reporting purposes, accepting the Aventium MasterCard will make your new MasterCard account and balance reportable to the Consumer Reporting Agencies if you fail to meet the terms of your new MasterCard, then First PREMIER Bank may report negative information about your account (your present debt transferred to your new Aventium MasterCard) to the Consumer Reporting Agencies.
