{"data":{"path":"hancock-whitney-bank/preferred-visa-platinum","artwork":null,"name":"Preferred Visa® Platinum","officialName":"Preferred Visa® Platinum","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Hancock Whitney Bank","handle":"hancock-whitney-bank"},"institution":{"name":"Hancock Whitney Bank","handle":"hancock-whitney-bank"},"actualIssuerName":null,"standardOffer":{"id":"1474","offerKind":"standard","channel":null,"nameAsFiled":"Preferred Visa® Platinum","handle":null,"terms":{"productId":"2658","path":"hancock-whitney-bank/preferred-visa-platinum","name":"Preferred Visa® Platinum","officialName":"Preferred Visa® Platinum","aliases":[],"institutionId":"70338","institutionName":"Hancock Whitney Bank","institutionHandle":"hancock-whitney-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":650,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":650,"purchaseRegularMaxBps":650,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":0,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":0,"balanceTransferRegularMaxBps":0,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":2524,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":2524,"cashAdvanceRegularMaxBps":2524,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_disclosed","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"not_disclosed","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"hancock-whitney-bank/preferred-tabular-0322","sourceDocumentTitle":"Preferred-Tabular 0322","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":650,"maxPurchaseAprBps":650,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"5d2990583f3c45f0f18169aa87f916d8","pageNumber":1,"quote":", your APR will be 6. 5 0 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"5d2990583f3c45f0f18169aa87f916d8","pageNumber":1,"quote":", your APR will be 6. 5 0 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"68cd1da23f6e4eb6448ea0638a9fb6ea","pageNumber":1,"quote":"2 5.24 % This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":2524,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2524,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"68cd1da23f6e4eb6448ea0638a9fb6ea","pageNumber":1,"quote":"2 5.24 % This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"2db8b7c0e356f2cdcc9b17757c33e2ed","pageNumber":1,"quote":", your APR will be 6. 50 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":650,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":650,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"2db8b7c0e356f2cdcc9b17757c33e2ed","pageNumber":1,"quote":", your APR will be 6. 50 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"d94dc072c43745722c7e75ee15b497da","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"017c392c6ead6a4f51c917de0524fd61","pageNumber":1,"quote":"Up to $25","recordId":null,"recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"8ff6f88695c52c01d6fd36075dc27967","pageNumber":1,"quote":"Up to $25","recordId":null,"recordFields":[],"fieldKey":"fee:returned_payment:1"}],"feeType":"returned_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"272e5db6936167a50f750ec3163df675","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay the entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. We will begin charging interest on balance transfers on the posting date.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"1474","offerKind":"standard","channel":null,"nameAsFiled":"Preferred Visa® Platinum","handle":null,"terms":{"productId":"2658","path":"hancock-whitney-bank/preferred-visa-platinum","name":"Preferred Visa® Platinum","officialName":"Preferred Visa® Platinum","aliases":[],"institutionId":"70338","institutionName":"Hancock Whitney Bank","institutionHandle":"hancock-whitney-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":650,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":650,"purchaseRegularMaxBps":650,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":0,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":0,"balanceTransferRegularMaxBps":0,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":2524,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":2524,"cashAdvanceRegularMaxBps":2524,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_disclosed","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"not_disclosed","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"hancock-whitney-bank/preferred-tabular-0322","sourceDocumentTitle":"Preferred-Tabular 0322","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":650,"maxPurchaseAprBps":650,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"5d2990583f3c45f0f18169aa87f916d8","pageNumber":1,"quote":", your APR will be 6. 5 0 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"5d2990583f3c45f0f18169aa87f916d8","pageNumber":1,"quote":", your APR will be 6. 5 0 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"68cd1da23f6e4eb6448ea0638a9fb6ea","pageNumber":1,"quote":"2 5.24 % This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":2524,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2524,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"68cd1da23f6e4eb6448ea0638a9fb6ea","pageNumber":1,"quote":"2 5.24 % This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"2db8b7c0e356f2cdcc9b17757c33e2ed","pageNumber":1,"quote":", your APR will be 6. 50 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":650,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":650,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"2db8b7c0e356f2cdcc9b17757c33e2ed","pageNumber":1,"quote":", your APR will be 6. 50 %. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"d94dc072c43745722c7e75ee15b497da","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"017c392c6ead6a4f51c917de0524fd61","pageNumber":1,"quote":"Up to $25","recordId":null,"recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"8ff6f88695c52c01d6fd36075dc27967","pageNumber":1,"quote":"Up to $25","recordId":null,"recordFields":[],"fieldKey":"fee:returned_payment:1"}],"feeType":"returned_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47431","sourceKind":"official_issuer","publisherName":"Hancock Whitney Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"hancock-whitney-bank/preferred-tabular-0322","documentTitle":"Preferred-Tabular 0322","publicUrl":null,"passageId":"272e5db6936167a50f750ec3163df675","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay the entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. We will begin charging interest on balance transfers on the posting date.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47431","path":"hancock-whitney-bank/preferred-tabular-0322","title":"Preferred-Tabular 0322","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Hancock Whitney Bank","handle":"hancock-whitney-bank"}}]}}