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What determines what my interest rate will be?
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What determines what my interest rate will be?
A combination of factors are considered when calculating your interest rate, including employment, residence, debt to income ratio, credit limit, and your current relationship with MutualBank.
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What determines what my credit limit will be?
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What determines what my credit limit will be?
A combination of factors are considered when calculating your credit limit, including employment, residence, debt to income ratio, credit score, and your current relationship with MutualBank.
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What’s the biggest difference between your “Classic” and “Platinum” credit card?
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What’s the biggest difference between your “Classic” and “Platinum” credit card?
The biggest difference between the two is that the Platinum account allows you to earn reward points on your purchases, while the Classic card does not.
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Can I personalize my credit card look with a picture of my choice (UCreate) like my debit card?
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Can I personalize my credit card look with a picture of my choice (UCreate) like my debit card?
At this time, customization features are only available for debit cards.
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If I get approved, how long does it take to get my card in the mail?
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If I get approved, how long does it take to get my card in the mail?
It will take approximately 10-14 business days for your card to arrive in the mail.
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If my credit score is pulled after I submit my credit card application, will that negatively impact my credit score?
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If my credit score is pulled after I submit my credit card application, will that negatively impact my credit score?
It doesn’t necessarily impact it negatively, but it will be factored into how your score is figured. Every time you have your credit pulled, your score is affected.
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How long does it usually take to get approved for a MutualBank credit card?
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How long does it usually take to get approved for a MutualBank credit card?
Our goal is to approve every applicant within 24 hours. However, if your application is received with incomplete information or on a weekend or holiday, it may take a bit longer.

 

 

These questions and answers are provided for general information only and may not be completely accurate in every situation. The information provided is not legally binding on MutualBank or any of its affiliates or subsidiaries. For assistance with specific questions regarding your account(s), please contact us.

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