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VISA®
Business Credit Card
In
today's competitive market, businesses demand more for their
money. That's why the California Bank Trust VISA®
Business Credit Card was developed to function not only as a line
of credit but as an indispensable tool in managing your company's
finances and cash.
The California Bank & Trust VISA Business Credit Card offers
a comprehensive package of features ... management information,
cash advance, insurance,
one-call emergency service, and more. Use your California Bank & Trust
VISA Business Credit Card everywhere that VISA credit cards are
accepted.
CONTROL EXPENSES and SAVE MONEY
- Management Information System
You have access to a management information
system with a wide range of reports which will help in monitoring,
reviewing and managing your VISA Business Credit Card expenses.
- Individual Spending Limits
You set the spending limit on a card-by-card
basis, giving you the flexibility to control your company's expenses.
- Reduce Administrative Costs
You can virtually eliminate the administrative
costs in cash advances for employees. With the CaIifornia Bank &
Trust VISA Business Credit Card, cardholders can get up to three
advances per day or $500 at any California Bank & Trust ATM,
ATMs with a VISA logo or any PLUS® System ATM. You have cash
access at over 450,000 locations worldwide.
- Car Rental Insurance
By using the California Bank & Trust VISA
Business Credit Card for a car rental, you automatically receive
coverage for collision, vehicle theft or damage caused by an accident
during your rental period.* By declining the car rental company's
collision damage insurance, you can save money.
- Corporate Liability Insurance
If your company has 5 or more employees holding
the California Bank & Trust VISA Business Credit Cards, the
company is automatically protected from card misuse by terminated
employees up to $15,000 per employee.
- Automatic Travel Life Insurance
$250,000 of coverage is automatically provided
when you purchase your ticket with the California Bank & Trust
VISA Business Credit Card.
- Purchase Security and Extended Protection
Purchase Security insures most business purchases, including
electronics, for 90 days from date of purchase against loss, theft,
damage and fire anywhere in the world.
Extended Protection doubles the manufacturer's original U.S. repair
warranty period for up to one year on most items purchased with
the California Bank & Trust VISA Business Credit Card
Medical, Legal And Other Travel Assistance
Should an emergency arise, help is as close
as a phone call away. Call the VISA Assistance Center toll free
at 1-800-VISA-911 in the U.S. and Canada, or from outside the U.S.,
call collect 1-214-669-8888, 24 hours a day, 365 days a year to
access the following services:
Medical Assistance. If you should become ill or be involved
in an accident, medical referral and emergency assistance are available.**
Legal Assistance. Legal referral and bail bond assistance
are provided.**
Emergency Card Replacement and Cash Delivery. Should you
lose or damage your card anywhere in the world, it can be replaced
usually within 24 hours in the U.S. or within one business day overseas.
If you need funds before your card is replaced, prompt delivery
of cash can be arranged.**
Roadside Dispatch. You will feel secure knowing that
emergency roadside service and towing are available 24 hours a day.*
Other Travel-Related Services. Emergency ticket replacement,
business document delivery assistance, emergency message service,
pre-trip assistance, translation service, ATM locator service and
VISA reservation service are also available.
DESIGNED WITH YOU IN MIND
California
Bank & Trust especially designed the VISA Business Credit
Card to project your image, that of the successful business person.
Your company name will be embossed on the VISA Card, and so will
the cardholders name.
APPLICATION MADE EASY
- Please
contact your California Bank & Trust service representative
for a VISA Business Credit Card application.
- A complete description of the benefits available to California
Bank & Trust VISA Business Credit Cardholders will be provided once
the account is approved. Certain conditions and restrictions apply.
CRITERIA
- Loan Amounts:
Up to $100,000; Minimum $10,000. Some limitations apply
based on size and type of business.
- Terms:
On Demand; Reviewed Annually
- Interest
Rate:
14.95% APR. Calculated as 1.246% multiplied by the Average
Daily Balance on your account.
- Loan Fees:
Non-refundable $30 annual fee.
Late charges and cash advance fees also apply.
- Other Criteria:
Business must be profitable.
Personal guarantees of all principals with 20% or more
ownership in the business.
Acceptable credit histories.
Business and personal financial information required for
credit requests greater than $50,000.
Other limitations apply.
*Refer to program description for complete details. Certain conditions and exclusions apply.
**We pledge our best efforts to make a wide range of emergency services available to you whenever you are more than 100 miles away from home, 24 hours a day, 365 days a year. Please understand that, due to occasional problems like long distance, location, or time, neither California Bank & Trust, VISA nor the provider of services and its contractors can be responsible for the availability, use or the results of any medical, legal or transportation service. VISA Travel Assistance Services provide assistance and referral only; you are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. |
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