HANCOCK WHITNEY BANK CREDIT CARD ACCOUNT AGREEMENT WELCOME TO YOUR ACCOUNT
This document together with the document entitled 'Your Account Opening Disclosures' is a contract (the 'Agreement') between you and Hancock Whitney Bank governing the terms of your credit card account with us (the 'Account') and each card issued to you or to your authorized user to access the Account (each, a 'Card'). In this Agreement, the terms 'we', 'our', and 'us' mean Hancock Whitney Bank, and 'you', 'your', and 'Cardmember' mean each person who applied for or otherwise agreed to be liable for the Account. We have agreed to lend you money as described in this Agreement, and you promise and agree to pay us back together with all interest charges, fees and other charges assessed on your Account under this Agreement. By using or permitting others to use the Account or any Card or by making any payment on the Account, you indicate your acceptance of the terms and conditions of this Agreement. Please read this Agreement carefully and keep a copy of it for your records. If you have any questions, you may call us at the phone number listed in the 'Your Billing Rights' section below, or on your billing statement or the back of your Card.
This Agreement applies to the following credit card programs: the Preferred Visa Platinum Credit Card Program, the Visa Platinum Credit Card Program, and the Visa Platinum Secured Credit Card Program.
IMPORTANT DEFINITIONS
Please review the important terms below. These definitions and terms apply to this Agreement and your monthly billing statement. Other terms are defined elsewhere in this Agreement. If we use a capitalized term in this Agreement but do not define it in this Agreement, the term refers to the corresponding term used in your billing statement.
Credit Limit
This is the amount we will make available on your Account for your use. We will establish your credit limit, and we may establish different limits for different types of transactions, like purchase or cash advances. You agree not to exceed the established credit limits. You are responsible for repayment of the total balance of your Account, even if your balance exceeds your credit limits. You promise to pay any part of the balance of your Account that exceeds an established credit limit right away. We will tell you your credit limits when we send you your initial Card, and your current credit limits will appear on your billing statement. We may change your credit limits or cancel or restrict your credit availability at any time subject to any requirements or limitations of applicable law. We may, at our option, allow your Account to exceed your applicable credit limits, but we have no obligation to you to do so.
