Your credit card could be declined for any of the following reasons:

• Your account is delinquent
• If you have exceeded your credit limit
• Security/fraud issues

For security or fraud issues, please contact our card services team or the number on the back of your credit card to discuss the specific reason why your card was declined. For all other reasons, contact us.

Cash advance fees on Landmark credit cards will vary depending on the type of credit card program. For information on your specific card, please call credit card customer service at 866-952-8199 or the phone number found on the back of your credit card.

A credit card is an extension of credit. When using a credit card, you are using borrowed money which you agree to pay back. Purchases you make using a credit card are subject to applicable finance charges and credit balance limits. When using a debit card, you are using your own money. Transactions are posted directly to your checking account and subject to the available balance in your checking account and daily dollar amount and transaction amount limits set by your financial institution.

A credit card is an extension of credit. When using a credit card, you are using borrowed money which you agree to pay back. Purchases you make using a credit card are subject to applicable finance charges and credit balance limits. When using a debit card, you are using your own money. Transactions are posted directly to your checking account and subject to the available balance in your checking account and daily dollar amount and transaction amount limits set by your financial institution.

A HELOC does not have a grace period. Payments must be received by the first of each month.