How do you feel about the bank that issued your credit card? Is it a giant institution being propped up by taxpayer dollars because it was “too big to fail”? Or one of the national card issuers that Congress has scolded for its high fees and other anti-consumer practices?

You may have thought it didn’t really matter where your credit card came from but, things are different with community banks like Citizens Bank of Rogersville.

We have always been sensible lenders for all types of loans, including credit cards. We don’t employ such tactics as short billing cycles that can cost you a late fee, or raising your interest rate because you were late paying some other bill. We believe in treating our customers fairly.

If you’re the kind of person who generally pays your bills because it’s the right thing to do, consider giving us your credit card business. Our Visa Platinum credit card has features that compare with anything from the giant card issuers:

• 24/7 VIP customer service from a call center here in the U.S.
• A full 25 days to pay without incurring finance charges
• Competitive, variable rates based on your creditworthiness
• Real-time fraud monitoring and zero liability for fraud charges
• Rewards that do not expire
• Airline tickets good on any airline, with no blackout dates
• Online account access, account alerts, automatic payments

If you like the idea of carrying a more sensible credit card from a responsible community bank, please ask for an application at either of our offices. We’re always ready to help you. At Citizens Bank of Rogersville, we aim to keep earning our customers’ business for generations.

Sincerely,

Nancy A. Ruyle

President / CEO