• Be 18 years of age or older
• Reside in Ohio or western Pennsylvania

Before you begin filling out your application, please have the following information available to make the application process quick and easy:

• Current address (and previous address if not at current address for at least three years)
• Current employer's name and address (and previous employer's name and address if not at current employer for at least two years)
• Monthly rent or mortgage payment
• Gross monthly income (income before taxes)
• Co-applicant information, if applicable

You should review the following disclosure terms and conditions prior to completing your application.
Any application submitted is subject to the terms of the product offered.

Variable Rate Option
Annual Percentage Rate for Purchases	0.00% fixed introductory rate for six months from date of account opening; thereafter, variable APR, currently 11.90%-Merit; 12.90%-Bonus; 13.90%-Tier 1; 14.90%-Tier 2; 15.90%-Tier 3 (a)
Other Annual Percentage Rates	Cash Advances (b):  16.15%-Merit, 17.15%-Bonus, 18.15%-Tier 1, 19.15%-Tier 2, 20.15%-Tier 3 Balance Transfers (c):  0.00% fixed introductory rate on transferred balances received with your application for six months from date of transaction; thereafter, variable APR, currently 16.15%-Merit, 17.15%-Bonus, 18.15%-Tier 1, 19.15%-Tier 2, 20.15%-Tier 3 Default Pricing (d):  23.99%
Variable Rate Information	Your Annual Percentage Rates may vary. The Rates are determined by adding the following margin to the Bank’s Prime Rate in effect one (1) business day before the billing cycle closing date: The margin for Purchase APR is:  6.90%-Merit, 7.90%-Bonus, 8.90%-Tier 1, 9.90%-Tier 2, 10.90%-Tier 3 The margin for Cash Advance APR is:  11.15%-Merit, 12.15%-Bonus, 13.15%-Tier 1, 14.15%-Tier 2, 15.15%-Tier 3 The margin for Balance Transfer APR (after fixed introductory rate) is:  11.15%-Merit, 12.15%-Bonus, 13.15%-Tier 1, 14.15%-Tier 2, 15.15%-Tier 3
Annual Membership Fee	None
Grace Period for the Repayment of Balances for Purchases	You have not less than 25 days to repay your balance for purchases before a Finance Charge will be imposed.
Minimum Finance Charge for Purchases	$1.00
Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Cash Advance Fee	4.0% of Amount of Advance ($10.00 minimum, $50.00 maximum)
Cash Equivalent Transaction Fee	4.0% of Amount of Purchase ($10.00 minimum, $50.00 maximum)(e)
International Purchase Transaction Fee	3% of Amount of Purchase(f)
Balance Transfer Transaction Fee	$2.00 per each card issuer request
Late Fee	$29.00 for balances less than or equal to $250.00 $39.00 for balances greater than $250.00
Over-the-Credit-Limit Fee	$36.00

Equal Opportunity Lender

(a) You are eligible for a 0.00% fixed introductory rate on purchases for six months from date of account opening.  After six months, the introductory rate on purchases will revert to the Annual Percentage Rate for Purchases determined at the time your account is opened and depends on your credit history and FirstMerit’s Credit Policies.

(b) Your Annual Percentage Rate for Cash Advances will be determined at the time your account is opened and depends on your credit history and FirstMerit’s Credit Policies.

(c) You are eligible for a 0.00% fixed introductory rate on transferred balances received with your application for six months from date of transaction.  After six months, the introductory rate on transferred balances will revert to the Annual Percentage Rate for Cash Advances determined at the time your account is opened and depends on your credit history and FirstMerit’s Credit Policies.

(d) If your account becomes two payments delinquent as of the payment due date, an Annual Percentage Rate of 23.99% will take effect on all balances on your account, including any promotional or balance transfer balances, and will take effect immediately with the billing cycle in which the second payment delinquency occurred. This rate will continue until the account has been paid current for twelve consecutive statement periods, after which, the rates effective for the account will be used.

(e) Applies to the following cash equivalent transactions: Wire transfer money orders; foreign currency, money orders, and travelers cheques at non-financial institutions; and betting, including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks.

(f) Applies to the following purchase transactions: Any purchase made in a country other than the United States regardless of whether or not currency conversion is involved.

The information about the costs of the cards described in this application is accurate as of May 1, 2008. This information may have changed after that date. To find out what may have changed, write us at FirstMerit Bankcard Center, P.O. Box 1499, Akron, Ohio 44309-1499.

We may change the above rates, fees and other account terms and conditions at any time in accordance with applicable law and the credit card agreement that will be sent with your credit card.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Click here to apply for a MasterCard - Variable Rate card.