Please take a moment to carefully review the Terms and Conditions below:

Terms for “CNWB Card”

The introductory interest rate is guaranteed as long as you do not exceed your credit limit and no payments are late. Non-introductory rates are also subject to change if (i) you do not keep your CNWB Card account in good standing (for example: if you exceed your credit limit or you make a late payment, or you make bad payment (returned checks); or (ii) you do not maintain good standing on your other credit accounts and excellent performance with the credit bureaus.

During the Introductory Period your minimum payment will be 1/3 of your outstanding balance or $25.00; whichever is greater, unless you choose to pay the balance in full. Thereafter, your minimum monthly payments will be 5% of your outstanding balance or $25.00; whichever is greater, unless you choose to pay the balance in full.

CNWB Card will allocate your payment in the manner it deems appropriate including applying your payment first to fees outstanding, then to the account balance.
CNWB Card reserves the right to change the benefit features associated with your card at any time.

Balance Transfer Option: You may not transfer balances from other credit card accounts. CNWB Card reserves the right to decline to process any partial or full balance transfer request and will not process a balance transfer request from any other account you may have with CNWB Bank or any of our related banks.

You are applying for a CNWB Card credit card account. The lines of credit offered with this account range from $100 to $500. If we are unable to issue you a CNWB Card, we will consider you for a CNWB Debit Card with limits set by you. The CNWB Debit Card terms and conditions are set forth below. Please press Debit Card to review the terms and conditions for a debit card.

Important Information Regarding Your Application

You agree that CNWB Card has the right to obtain a current credit report in connection with our review of your application and subsequently in connection with a requested charge to your account, the renewal of your account, or a change in your credit line; and that CNWB Card has the right to report to others its credit experience with you. Upon your request, we will tell you the name and address of each consumer-reporting agency from which we obtained a consumer report about you. We will review your credit history and income to determine if you qualify for a CNWB Card Credit Card and, if so, your credit line. In certain instances, based on this review, you may receive an option for a CNWB Debit Card. The minimum gross annual household income required for a CNWB Card Credit Card is $12,000.

Omission of any information requested on the application may be reason for denial of an account. This offer is available only to applicants who reside in the United States of America. The credit disclosures given above were published in May 2001, and were accurate as of that date. The credit information is subject to change after the publication date. You should contact us for any change after the publishing date by calling us tall free at 1-800-781-0080. Alternatively, you may write to CNWB Inc., P.O. Box 251000 , Glendale, Ca. 91225.

Affiliate Information: CNWB Card is part of CNWB, Inc. CNWB Card and our CNWB, Inc. affiliates may share information about you among our affiliates in order to offer products and services of interest to you. If you would rather we did not share information from your application, credit bureaus or third parties, please write to us at CNWB, Inc., PO Box 251000, Glendale, Calif. 91225. Please make sure to include with your request your entire name, full address, and social security number.

For more information about CNWB Card information handling policies, visit us on the web at http://www.CNWB.com