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Hurry, your pre-approved offer ends November 23, 2020.
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You're Pre-Approved
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for Great New Loan Offers!*
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Dear %LOANENGINENAMEFIRST%,
We understand that things might be a little tight right now. That's why there is no better time than the present to take advantage of the new pre-approved lending offers selected just for you. You'll find our competitive rates and standard 90-Day No Payment option on all Auto Loans ideal if you're looking to keep your finances on track.** Why wait when you're so close to getting the funds you need, without spending time on the application process?
Choose one from the available offers below:
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%IF in_string('New Auto Loan', $LOANENGINENEWAUTOLOANN )%
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NEW AUTO LOAN1
%LOANENGINENEWAUTOLOANR% APR*** for 60 months — Pre-Approved up to %LOANENGINENEWAUTOLOANA%
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%/IF%%IF in_string('Used Auto Loan', $LOANENGINEUSEDAUTOLOANN )%
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USED AUTO LOAN2
%LOANENGINEUSEDAUTOLOANR% APR*** for 60 months — Pre-Approved up to %LOANENGINEUSEDAUTOLOANA%
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%/IF%%IF in_string('Refinance Auto Loan', $LOANENGINEREFINANCEAUTOLOANN )%
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REFINANCE AUTO LOAN3
%LOANENGINEREFINANCEAUTOLOANR% APR*** for 60 months — Pre-Approved up to %LOANENGINEREFINANCEAUTOLOANA%
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%/IF%%IF in_string('Visa Platinum Credit Card', $LOANENGINEVISAPLATINUMCREDITCARDN )%
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VISA® PLATINUM CREDIT CARD4
%LOANENGINEVISAPLATINUMCREDITCARDR% APR*** — Pre-Approved up to %LOANENGINEVISAPLATINUMCREDITCARDA%
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%/IF%%IF in_string('Personal Loan', $LOANENGINEPERSONALLOANN )%
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PERSONAL LOAN5
%LOANENGINEPERSONALLOANR% APR*** for 36 months — Pre-Approved up to %LOANENGINEPERSONALLOANA%
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%/IF%
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PLEASE NOTE: You're pre-approved for your choice of one of the above offers. This offer is non-transferable and may only be used by the primary member to whom the offer is addressed. This offer may be subject to an updated credit report, acceptable proof of income in relation to obligations and satisfactory collateral.
If you would like to take advantage of more than one offer, or would like to request more than your pre-approved amount, please contact us. A full application may be required. See below for details.
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To view and accept your pre-approved loan from First Entertainment you can:
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Use your Firstent Mobile Banking App;
Log into your account via CU.online; or
Over the phone 888.800.3328.
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Hurry! Offer ends November 23, 2020.
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P.O. Box 100, Hollywood, CA 90078-0100
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You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.
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†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT ( 1-888-567-8688); or visit the website at www.optoutprescreen.com or write:
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123
TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013
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* We used information on you that we obtained from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you did not meet certain requirements bearing on creditworthiness that were established prior to selecting you for this offer and verification that you meet our specific criteria for credit. Income verification may be required. The payment examples below are for illustration purposes only. Your actual payment may vary.
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** 90-Day No Payment offer is optional and applies to qualified borrowers on Auto Loans $10,000 or greater. Amount financed may not exceed the MSRP or 120% of the high Kelley Blue Book/NADA value for New (120% for Used vehicles up to 10 years old), including tax, license, GAP Insurance and Mechanical Breakdown Protection. Interest accrues immediately during the deferred payment period. Other terms and conditions may apply.
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*** APR=Annual Percentage Rate. Subject to change without notice.
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%IF in_string('New Auto Loan', $LOANENGINENEWAUTOLOANN )%
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1 New Auto Loan: %LOANENGINENEWAUTOLOANR% APR is the preferred rate for new vehicles up to %LOANENGINENEWAUTOLOANT% months at a monthly payment of approximately %LOANENGINENEWAUTOLOANP% per $1,000 borrowed and includes a 0.25% discount for Automatic Loan Payments. Rate is subject to increase if the Automatic Loan Payment is discontinued. This offer applies to all loans for $10,000 and greater funded by 11/23/2020. Additional rates and terms may apply. Call 888-800-3328 for details. Amount financed may not exceed the MSRP or 120% of the high Kelley Blue Book/NADA value for new vehicles, including tax, license, GAP Insurance and Mechanical Breakdown Protection. All loans are subject to credit approval. Offer expires 11/23/2020.
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%/IF%%IF in_string('Used Auto', $LOANENGINEUSEDAUTOLOANN )%
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2 Used Auto Loan: %LOANENGINEUSEDAUTOLOANR% APR is the preferred rate for used vehicles (maximum age 6 years old) up to %LOANENGINEUSEDAUTOLOANT% months at a monthly payment of approximately %LOANENGINEUSEDAUTOLOANP% per $1,000 borrowed and includes a 0.25% discount for Automatic Loan Payments. Rate is subject to increase if the Automatic Loan Payment is discontinued. This offer applies to all loans for $10,000 or greater funded by 11/23/2020. Additional rates and terms may apply. Call 888-800-3328 for details. Amount financed may not exceed 120% of the high Kelley Blue Book/NADA value for used vehicles, including tax, license, GAP Insurance and Mechanical Breakdown Protection. All loans are subject to credit approval. Offer expires 11/23/2020.
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%/IF%%IF in_string('Refinance Auto Loan', $LOANENGINEREFINANCEAUTOLOANN )%
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3 Refinance Auto Loan: %LOANENGINEREFINANCEAUTOLOANR% APR is the preferred rate for new and used vehicles (maximum age 6 years old) up to %LOANENGINEREFINANCEAUTOLOANT% months at a monthly payment of approximately %LOANENGINEREFINANCEAUTOLOANP% per $1,000 borrowed and includes a 0.25% discount for Automatic Loan Payments. Rate is subject to increase if the Automatic Loan Payment is discontinued. This offer applies to all loans for $10,000 and greater funded by 11/23/2020. Additional rates and terms may apply. Call 888-800-3328 for details. Amount refinanced may not exceed the MSRP or 120% of the high Kelley Blue Book/NADA value, including tax, license, GAP Insurance and Mechanical Breakdown Protection. All loans are subject to credit approval. Existing First Entertainment auto loans may not be refinanced under the terms of this offer. Offer expires 11/23/2020.
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%/IF%%IF in_string('Visa Platinum Credit Card', $LOANENGINEVISAPLATINUMCREDITCARDN )%
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4 Visa® Platinum Credit Card: You are pre-approved for a First Entertainment Visa Platinum Credit Card with a limit up to the maximum offered. If you request a lower limit, the minimum is $5,000. The maximum per member in unsecured products with First Entertainment is $25,000. Rates current as of 07/01/2020, and are subject to change based on the Prime Rate prior to acceptance of this offer. Offer expires 11/23/2020.
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%/IF%%IF in_string('Personal Loan', $LOANENGINEPERSONALLOANN )%
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5 Personal Loan: %LOANENGINEPERSONALLOANR% APR is the rate for a loan amount of $5,000 for up to %LOANENGINEPERSONALLOANT% months. PAYMENT EXAMPLE: At a %LOANENGINEPERSONALLOANR% APR and 36 months term, your monthly payment would be %LOANENGINEPERSONALLOANP% for each $1,000 borrowed. All loans are subject to credit approval. All loans must be funded by 11/23/2020. Loan proceeds may not be used to refinance existing First Entertainment Credit Union loans. The maximum per member in unsecured products with First Entertainment is $25,000. Offer expires 11/23/2020. Loan details are available by calling 888-800-3328. Additional rates and terms available, but a separate application may be required.
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%/IF%
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%IF in_string('Visa Platinum Credit Card', $LOANENGINEVISAPLATINUMCREDITCARDN )%
| VISA® PLATINUM ACCOUNT OPENING DISCLOSURE |
| Visa Platinum Rates and Terms—EFFECTIVE: July 01, 2020 |
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| Interest Rates and Interest Charges |
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| Annual Percentage Rate (APR) for Purchases |
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| 9.24% to 16.90% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
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| APR for Balance Transfers |
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| 9.24% to 16.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
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| 9.24% to 16.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
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| Penalty APR and When It Applies |
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15.24% to 22.90%
This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned.
How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. |
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| How to Avoid Paying Interest on Purchases |
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| Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
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| For Credit Card Tips from the Consumer Financial Protection Bureau |
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| Transaction Fees |
| • Balance Transfer |
| • Cash Advance |
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| • Foreign Transaction |
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| None |
| Either $5.00 or 2.0% of the amount of each cash advance, whichever is greater. |
1.0% of the transaction for multi-currency international transactions (transactions made internationally that require a currency transaction); 0.8% of the transaction for single currency international transactions (transactions made internationally without a currency transaction) |
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| Penalty Fees |
| • Late Payment |
| • Over-the-Credit Limit |
| • Returned Payment |
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| Up to $7.00 |
| None |
| Up to $26.00 |
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| How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." |
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%/IF%
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