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Important Disclosures about Commerce Credit ProtectionSM

  • Your purchase of Commerce Credit Protection is optional. Whether or not you purchase Commerce Credit Protection for your Account will not affect your application for credit or the terms of any existing credit agreement you have with the bank.
  • The “Monthly Fee” for Commerce Credit Protection– Premier Plan will be calculated by taking the lesser of $25,000 or the outstanding Account balance for the month (as shown on your Statement), times $0.80/$100 for single protection or $1.50/$100 for joint protection.
  • You have the right to cancel Commerce Credit Protection at any time. The bank has the right to cancel Commerce Credit Protection for any reason with thirty (30) days advance written notice of cancellation. Should your Account become ninety (90) days past due, Commerce Credit Protection will automatically terminate without advance written notice.
  • There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under Commerce Credit Protection. You may find a complete explanation of the eligibility requirements, conditions and exclusions in paragraphs II and V of the Commerce Credit Protection Agreement.