Genesis Credit Card Agreement

At Genesis Financial Solutions® we put consumers first by providing a second chance for non-premium consumers to access high-quality financing solutions and consumer credit cards. Kentucky Residents: You can pay all or part of the outstanding balance in your credit account at any time. Genesis credit accounts (“accounts”) are issued by the Bank of Missouri (“we,” “we” and “our”) and can be used for purchases from participating retailers who accept this account. the offer applies (a) only to the informed consumer that he is authorized in advance for an account, b) non-transferable and (c) subject to credit authorization. The offer expires on #PrescreenExpiration. The private label credit programs offered by the Genesis Credit brand® allow distributors to offer financing solutions to customers who are rejected by primary lenders. If you are approved for an account, we can report your account information to the credit bureaus. Late payments, missed payments and other defaults on your account can be reflected in your credit report. To be admitted to an account, you must meet our credit qualification criteria. Your credit limit is determined by your income and checking your debts, including the debt in your credit report. You will be notified of your credit limit if you have been approved. Ohio Residents: Ohio`s anti-discrimination laws require all creditors to provide credits in the same way to all creditworthy customers and that credit institutions make separate credit histories on request for each creditor. The Ohio Civil Rights Commission manages compliance with this law.

Credit Bureau`s disputes. If you feel that we have reported your credit account data to a credit institution in an imprecise manner, please email bank services, Mailbox 4499, Beaverton, Oregon 97076. California residents: A married applicant can apply for a separate credit account. As required by law, you are informed that a negative credit report, which is reflected in your credit history, can be filed with a consumer reporting agency if you do not meet the terms of your credit commitments. After approval of the credit, any applicant has the right to use the credit account up to the credit account limit. Any applicant may be held liable for the amounts that, under the plan, will be extended to each common applicant. All borrowers. You give us permission (as well as our agents, successors and beneficiaries of the transfer) to access your credit as part of a transaction or credit extension and permanently to verify your account, take collection actions on your account or for other legitimate purposes related to your account. At your request, we will inform you whether or not a consumer credit report has been ordered and, if so, you will receive the name and address of the consumer reporting agency that submitted the report.

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