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It explains available credit limits, statement billing-cycle calculations, minimum payment timing and calculation, and protections under the Military Lending Act for covered borrowers, including arbitration exclusions and access to account information by phone.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/gettington-credit-account-agreement-interest-rates-and-credit-terms/305702/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/gettington-credit-account-agreement-interest-rates-and-credit-terms/305702.png","ImageObject",442,249,{"name":88,"@type":89},"Alex Sinclair","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-07","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",8,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What does the agreement define as the covered “Account” and authorized use of it?","Question",{"text":109,"@type":110},"The agreement covers your credit account with WebBank for purchases made with Gettington and other authorized merchants, limited to personal, family, and household purposes.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"How does the agreement describe avoiding interest charges on purchases?",{"text":114,"@type":110},"Your due date must be at least 24 days after the close of each billing cycle, and no interest is charged on purchases if you pay your entire balance by the due date each month.",{"name":116,"@type":107,"acceptedAnswer":117},"What minimum payment rules apply under the agreement?",{"text":118,"@type":110},"The minimum payment is due by the date on the statement, at least 24 days from the statement date, and it equals the scheduled minimum payment amount plus any past-due amount.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},305702,1790446749,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":76},1099523882182,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","WebBank Gettington Credit Account Key Credit Terms  \n\n| INTEREST RATES AND INTEREST CHARGE |  |\n| --- | --- |\n| Annual Percentage Rate (APR) for Purchases | 29.99%\u003Cbr>This APR is a non-variable rate. |\n| How to Avoid Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |\n| Minimum Interest Charge | If you are charged interest, the charge will be no less than $.50 |\n| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at [http://www.consumerfinance.gov/learnmore](http://www.consumerfinance.gov/learnmore) |\n| FEES |  |\n| Penalty Fees\u003Cbr>Late Payment:\u003Cbr>Returned Payment: | Up to $40.00\u003Cbr>Up to $40.00 |\n| How We Will Calculate Your Balance: We use a method called average daily balance including new purchases. See below for more details.\u003Cbr>Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below. |  |\n\nWebBank  \nGettington Credit Account Agreement  \nThis is the Agreement which covers your credit account (called your \"Account\") with WebBank for purchases you make with Gettington. You can use your Account to purchase goods or services from Gettington or any merchant authorized to accept your Account, and to pay for goods and services offered in connection with your Account. You may only use your Account for personal, family, and household purposes. You and WebBank will be bound by this Agreement from the first time a transaction is posted to your Account.  \nIn this Agreement, and in your monthly statements (\"Statements\"), the words \"you\" and \"your\" refer to the person named on the credit account we issue or who has signed application or acceptance forms, and the words \"we\", \"us\" and \"our\" refer to WebBank. An applicant, if married, may apply for a separate account.  \nYour Promise to Pay. You promise to pay for (a) credit extended by WebBank to you or anyone you allow to use your Account; (b) interest charges, late fees, and all other charges provided in this  \nAgreement or that you (or anyone you allow to use your Account) agree to pay; and (c) collection costs and attorneys' fees to the extent permitted by applicable law if your Account should go into default. If your Account is a joint Account, all joint Account holders promise to pay and be jointly and individually responsible for all amounts due under this Agreement.  \nAvailable Credit. We will assign you a credit limit, and we will indicate your current credit limit on each Statement. You agree not to exceed the credit limit that we establish for you. If you request a transaction that would exceed the credit limit, we may decline it or we may allow the transaction without increasing your credit limit. You will be obligated to pay any amount in excess of your credit limit in accordance with the terms of this Agreement. We reserve the right to delay an immediate increase in available credit due to a payment(s) made on your WebBank /Gettington Credit Account We may increase or reduce your credit limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice to you to the extent required by applicable law.  \nStatements. We will send you a Statement covering each billing cycle in which you have a balance (including deferred balances, if applicable), or if required by law. Billing cycles are approximately one month long. Each Statement will reflect: (a) the total amount you owed on the first day of your billing cycle (called the \"previous balance\"), which will include any deferred balance (see below under the heading \"Deferral Periods\"); (b) payments, credits, purchases and interest charges, and all other charges made to your Account during the billing cycle; (c) the total amount you ","cbCaifo5YcVPJsLi","https://ap.wps.com/l/cbCaifo5YcVPJsLi","pdf",220310,9,"English","# Interest Rates and Interest Charge\n## How to Avoid Paying Interest\n## Minimum Interest Charge\n# Fees\n## Late Payment\n## Returned Payment\n# Agreement Terms\n## Your Promise to Pay\n## Available Credit\n## Statements\n## Protections Under the Military Lending Act\n## Oral Disclosure\n## Payments\n## Calculating Your Minimum Payment","[{\"question\":\"What does the agreement define as the covered “Account” and authorized use of it?\",\"answer\":\"The agreement covers your credit account with WebBank for purchases made with Gettington and other authorized merchants, limited to personal, family, and household purposes.\"},{\"question\":\"How does the agreement describe avoiding interest charges on purchases?\",\"answer\":\"Your due date must be at least 24 days after the close of each billing cycle, and no interest is charged on purchases if you pay your entire balance by the due date each month.\"},{\"question\":\"What minimum payment rules apply under the agreement?\",\"answer\":\"The minimum payment is due by the date on the statement, at least 24 days from the statement date, and it equals the scheduled minimum payment amount plus any past-due amount.\"}]","Gettington Credit Account Agreement - Interest Rates and Credit Terms | PDF",1789827337]