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Please note that if the funds held as security do not satisfy the entire outstanding balance, you will still owe any balance that remains after the funds have been applied to your account. If the funds currently held as security are greater than your outstanding balance, we will release those funds so that they are available for use in your savings account."},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"fca6e9293317301dbe174f1ec8cade84","pageNumber":null,"quote":"Secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250){","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"offer_requirement:security-deposit"}],"requirementKey":"security-deposit","routeType":"other","description":"Secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250){"}],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"secured","reason":"unparsed_value","detail":"This source declares a secured deposit. This partial interpretation does not replace the complete card-term family.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"fca6e9293317301dbe174f1ec8cade84","pageNumber":null,"quote":"Secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250){","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:secured"}]},{"observationKind":"card_apr","fieldKey":"apr:regular","reason":"unparsed_value","detail":"The retained rate placeholder contains no numeric APR; no price is inferred.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"69772f7a992e11f25a474c3f720b1783","pageNumber":null,"quote":"Variable APR of","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_apr:apr:regular"}]},{"observationKind":"card_offer","fieldKey":"fico-score","reason":"unparsed_value","detail":"Conditional service information is retained without inventing a guaranteed benefit.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"1192ec7f59dea67b9d8a8af75249a293","pageNumber":null,"quote":"Free access to your FICO® Credit Score on your account statement{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:fico-score"}]},{"observationKind":"card_offer","fieldKey":"fico-score-conditions","reason":"unparsed_value","detail":"Preserve the issuer’s timing and qualifications for this service.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"501a04f692ae531a01238a3302863c43","pageNumber":null,"quote":"Please note that the FICO® Credit Score displayed on your statement will be updated quarterly. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. To learn more, visit","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:fico-score-conditions"}]},{"observationKind":"card_offer","fieldKey":"graduation-review","reason":"unparsed_value","detail":"Conditional service information is retained without inventing a guaranteed benefit.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"6611ed12143bc4de4e1812ae49c7fdc0","pageNumber":null,"quote":"Periodic review of your account to determine if you meet the criteria to graduate to an unsecured credit card{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:graduation-review"}]},{"observationKind":"card_offer","fieldKey":"graduation-review-conditions","reason":"unparsed_value","detail":"Preserve the issuer’s timing and qualifications for this service.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"52b90366d6ccfd7406e7138738c72338","pageNumber":null,"quote":"Accounts will be automatically reviewed on a periodic basis, beginning after the account has been opened at least six months, to see if your account qualifies to “graduate” to an unsecured credit card, after showing responsible credit management over time. If you are graduated to an unsecured credit card, your security deposit will be made available for use in your M&T savings account.  Time peri…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:graduation-review-conditions"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}