||Unfortunately, only US residents 18 years of age or older may apply
for the Brooks Card at this time. |
||If you do not wish to submit your credit application online, you may
complete the printer-friendly application and mail it to |
IMPORTANT INFORMATION ABOUT YOUR BROOKS BROTHERS CHARGE CARD ACCOUNT
|ANNUAL PERCENTAGE RATE FOR PURCHASES
21%ME, PR (fixed)
||25.60% (25.00% in ME and PR)|
|In all states except ME and PR, the Annual Percentage Rate
may vary and will be equal to (i) the highest prime loan rate as published
in The Wall Street Journal in its Money Rates section (“prime rate”) on
the last business day of the calendar month preceding the first day of
such billing period and (ii) 13.10%, but in no event less than 21.60%. The
Delinquency Rate will vary and will be equal to the prime rate plus
17.10%, but in no event less than 25.60%.|
|GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR
|26 days if there is no previous balance or the balance is
fully paid. Otherwise, none.|
|METHOD OF COMPUTING THE BALANCE FOR
|Average Daily Balance (Including New Purchases)|
Average Daily Balance (Excluding New Purchases)
|MINIMUM FINANCE CHARGE
||$.50 ($0 in PR)|
Late Payment Fee: The amount of the Late Payment Fee is $25
($15 in IA, $0 in PR). However, if your delinquent Minimum Payment was
calculated on a New Balance of less than $30, the Late Payment Fee will be $10.
The information about the costs of the Card described above is accurate as of
7/1/06. This information may have changed after that date. To find out what
may have changed, write us at P.O. Box 981064, El Paso, TX 79998-1064. The terms of
the Agreement may be changed by us as provided in the Agreement.
*The Delinquency Rate will apply if the Minimum Payment is past due twice in
a 6 month period. Once in effect, if you are not late with any required Minimum
Payment for 6 consecutive billing periods, the rate will return to the rate
applicable to your account before the Delinquency Rate was imposed.
This is your copy of the consent to electronic communications and of the
Credit Agreement and Terms. Please print or download and retain them for your
Step 1. Consent to Electronic Communications
1. CATEGORIES OF COMMUNICATIONS.
You understand and agree that GE Money Bank, the
issuer of Brooks Brothers Credit Card, our assignees, or other holders of your
Brooks Brothers Credit Card account ("we" or "us") may provide to you by
electronic means the following categories of information with respect to
applying for and obtaining a Brooks Brothers Credit Card account ("Account"),
which may include disclosures required by applicable federal or state law
• The Brooks Brothers Credit Card Agreement ("Agreement"), including, without
limitation, any Truth in Lending Act disclosures; and
• Other federal and
state law disclosures, notices and communications in connection with the
application for an Account or opening an Account.
• GEMB's Privacy
Policy For The Brooks Brothers Credit Card Program.
2. MANNER OF CONSENT.
You acknowledge that by agreeing to the Consent to Electronic Communications
through this website, you demonstrate that you can access information that we
would provide to you by posting electronic Communications on our
3.HOW TO WITHDRAW CONSENT.
You may withdraw your consent to receive electronic Communications by not
submitting your online application. However, you may not apply online unless you
consent to receive electronic Communications.
4. HARDWARE AND SOFTWARE REQUIREMENTS.
In order to access and retain Communications, you must have:
Internet Browser which supports HTML 4.0 and SSL-encryption, such as Netscape
4.0 or later and Microsoft Internet Explorer 4.0 or later.
• A means to
print or store notices and information through your browser software.
personal computer or equivalent device capable of connecting to the Internet via
dial-up, DSL, Cable Modem, Wireless Access Protocol, or equivalent , and that
supports the foregoing requirements.
5.PAPER COPIES OF COMMUNICATIONS.
Upon your request, we will send you a paper copy of the Agreement, GEMB's
provided pursuant to the Consent to Electronic Communication. If you would like
a paper copy of any of this material please write to us at P.O. Box 981400, El Paso, TX 79998-1400 or call us at 1-877-969-9022. There will be no charge for a
paper copy of this material.
6. COMMUNICATIONS IN WRITING.
All Communications in either electronic or paper format from us to you will
be considered "in writing." You should print or download a copy of this Consent
Brooks Brothers Credit Card Program, your application and any other
Communication that is important to you for your records.
7. ELECTRONIC SIGNATURES.
You acknowledge that by clicking on the "I Agree" or similar button at the
Brooks Brothers Credit Card application, you are indicating your intent to sign
the relevant document or record and that this shall constitute your
8. FEDERAL LAW.
You acknowledge and agree that your consent to electronic Communications is
being provided in connection with a transaction affecting interstate commerce
that is subject to the federal Electronic Signatures in Global and National
Commerce Act, and that you and we both intend that the Act apply to the fullest
extent possible to validate our ability to conduct business with you by
choosing "Agree and Continue", you accept the above Consent to Electronic