WACHOVIA CREDIT CARDS

Getting a credit card can be a good way to start establishing a credit history and a convenient way to pay for books.

Whether you are an undergraduate, graduate student, or parent, you can use Wachovia's no-annual-fee card for all of your purchasing needs.

• Special introductory APR—0% fixed APR on balance transfers for six billing cycles^1,*
• Attractive purchase rates—Ranging from Prime + 1.99% to 11.99%  Rate and Fee Information
• Automatically waived fees—Late fee and overlimit fees each waived once within a consecutive 12-month period^{2, 3}
• Personal attention—24-hour assistance from a Wachovia Credit Card Specialist
• Purchasing power—Worldwide acceptance at more than 24 million locations.
• Identity protection—0% Liability for any unauthorized purchases on your card made through the Visa network
• Overdraft protection—No-fee overdraft protection when you link this card to your Wachovia Checking, Savings or other accounts⁴

Open Your World to Possibilities
With your new card, you also have the option to enroll in Wachovia Possibilities Rewards^SM, our no-fee rewards program that helps you earn points for every qualifying purchase.⁵ And if you enroll your Wachovia Visa^® Check Card in rewards, you can combine points earned on both cards to earn rewards even faster.

Information to Know Before Applying
Wachovia does not approve students who have not yet established a credit history. Students lacking sufficient credit history will need a co-applicant (i.e. parent) with a strong credit profile to apply with them. Additionally, students must be at least 18 years old at the time of application and a U.S. citizen to apply for a Wachovia credit card.

*Introductory APRs do not apply to purchases or cash advances. Your rate may increase if your account is consistently past due and we can change the account terms, including fees, are subject to change at any time for any reason. Payments are applied to low APR balances first.

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