Frequently Asked Questions - Credit Cards

How do I apply?
You may apply by faxing or mailing the application.

Fax:		(877) 295-2265
Mailing Address:		Application Processing PO Box 814403 Dallas, Texas 75381

How long does it take to get a decision on my application?
Usually within 24 hours after receiving a completed application

I usually get declined when I apply for a new loan or credit card. How can I improve my credit score?
There are several ways to improve your credit score such as: making payments on time every month, staying under the credit limit on your accounts, and only opening new accounts when necessary. You can order a copy of your credit report along with the score from each of the three major credit bureaus. When you order your report, you will also receive an analysis of your report with tips for improving your score.

When will I receive my card and credit line?
You will receive a letter indicating your credit line and the card within 7-10 business days after the application is approved. A Personal Identification Number (PIN) and convenience checks will arrive separately.

How do I know which rate my account is assigned?
There will be a disclosure that is mailed with the credit card that explains the Annual Percentage Rate (APR).

How is the APR calculated?
The Annual Percentage Rate (APR) is calculated by adding a margin to the Prime Rate. The Prime Rate is the highest Prime Rate as published in The Wall Street Journal for the preceding three months and is subject to change two days prior to your closing/billing statement for that billing period.

How do I know what fees are on my account?
The disclosure that accompanies your credit card will explain the fees on the account.

Who do I contact if I have additional questions?
You can contact the Credit Department at 1-800-820-8417 (Monday-Friday, 9AM-5PM CST).