Apply for a Harley-Davidson® Visa Credit Card and every dollar you spend on your H-D Visa Card earns you an entry to win one of 12 motorcycles given away each year! ... U.S. Bank - EP-MN-L20D - 200 South Sixth Street - Minneapolis, MN 55402 ... Sweepstakes ends 12/31/2024. Open to legal residents of the 50 United States and D.C., who are 18 ...Enroll your U.S. Bank Cash Rewards Visa ... Contact Us or call the number on the back of your card. If your card has been lost, stolen or damaged, call 1-800-285-8585 for assistance. Fraud Protection. We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your ...Providing you with high-quality customer service for all your Personal Banking needs is our number one priority at U.S. Bank. ... U.S. Bank Visa® Platinum Card; ... CONTACT US. Make an appointment. Call 800-USBANKS.To get a cash advance using the U.S. Bank Mobile App. Select Pay bills & transfer at the bottom of the screen, then choose Transfer money. Choose the account funds will come from and which account they'll go to. Enter the amount to transfer. Optional: Use the toggle to Repeat this transfer, then choose the frequency and when to stop repeating it.Apply for a Harley-Davidson® Visa Credit Card and every dollar you spend on your H-D Visa Card earns you an entry to win one of 12 motorcycles given away each year! ... U.S. Bank - EP-MN-L20D - 200 South Sixth Street - Minneapolis, MN 55402 ... Sweepstakes ends 12/31/2024. Open to legal residents of the 50 United …Self Service. We are experiencing Technical Difficulties. If the problem persists, please contact Technical Support listed on the back of your card.Select Pay bills & transfer from the quick-action menu at the bottom of your Accounts dashboard, then select Pay a bill. On the Your bills screen, find the biller whose payment is in question and select it to view additional details. Still have questions? Call U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657).Please contact us using the option that works best for you: Call us at 800-285-8585. Fax your request to 866-568-7729. Mail your request to Cardmember Service, PO Box 6352 Fargo, ND 58125-6352. Please include your name, address, and signature if you're mailing or faxing your closure request.The 1981 Harley-Davidson Heritage Edition motorcycle was a mixture of old and new. See pictures and learn about the Harley-Davidson Heritage Edition. Advertisement The 1981 Harley-...Self Service - U.S. BankAbout this app. The Harley-Davidson® Visa card is pleased to offer you a mobile solution to easily access your credit card account on the go. Easy access is the first step in saving time. • We’ve made it easier than ever to enroll in mobile banking!It will be a hardpull unless invited for CLI. Some report that a CLI of $1500 or less results in a SP. You can also check the website and see if you qualify for a SP. Google “US bank CLI” there’s an article written by DOC. The link to check will be in that article. Total Revolving Limits $254,800. Message 2 of 3. 1 Kudo.To break it down further, Harley-Davidson® Credit Card earned a score of 4.0/5 for Fees, 5.0/5 for Rewards, 3.2/5 for Cost, 3.4/5 for APR, and 4.2/5 for User Reviews. Info about the Harley-Davidson® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.Re: US Bank Harley Davidson Visa $6000.00 CLI "SP" ****Approved! Congrats on your US Bank CLI 🎉👍. Starting Score: 541. Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644. Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661. Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706. Feb15 2021 Score EQ FICO8 704, TU8 702 , … U.S. Bank - EP-MN-L20D - 200 South Sixth Street - Minneapolis, MN 55402 Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Rewards Program Rules for additional information. To speak with a Harley-Davidson customer care representative please call 800-258-2464 or 414-343-4056. Representatives are available Monday through Friday 8:00 a.m. – 7:00 p.m. Central Daylight Time (CDT). To contact the Motor Company directly, please write: Harley-Davidson Customer Care. 3700 W. Juneau Avenue. Jan 31, 2024 · Quick Glance at New HDFC Harley Davidson Credit Cards. Let’s have a look at some of the rumored features of the upcoming credit cards. HDFC Bank HOG Diners Club Black Credit Card. Joining Fee – Rs. 10,000. Renewal fee waiver on spends of Rs. 5 lakh in a card anniversary year. Harley Davidson gift card as a welcome benefit. 1Benefit to be launched in 2024. 2H-D Visa Card holders receive one or two points for miles ridden, in additional to H-D Membership points, depending on the Visa Card. Harley Owners Group is our pinnacle membership plan with benefits to support every rider’s journey. Explore the new H.O.G benefits included in your membership.Every 2,500 points earns you $25 at H-D.1. When you're ready to turn your points into perks at H-D ® dealerships, H-D.com or the H-D Museum, log in to your account. Redeem points for an H-D™ Gift Card, through Real-Time Rewards, or a transfer to your H-D® Membership. You can also redeem rewards through the mobile app …If these steps do not solve your issue, we have specialists available every day to help with your digital banking needs. Call us at the applicable number below. We accept relay calls. Online banking technical support 800-987-7237. Mobile banking technical support 866-578-8007. For help outside the United States, call us collect at 1-503-401-9991.The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Financing offer available only to Active United States Military personnel and only on Harley‑Davidson ® motorcycles financed through Eaglemark Savings Bank and is subject to credit …There are so many credit cards available today that it can be hard to sort through them all to find the one for your needs. If you are looking for a no annual fee credit card, one ...Financing Offer available only on new Harley‑Davidson ® motorcycles financed through Eaglemark Savings Bank (ESB) and is subject to credit approval. Not all applicants will qualify. 6.39% APR offer is available on new Harley‑Davidson ® motorcycles to high credit tier customers at ESB and only for up to a 60 month term. The APR may vary based on …The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Financing offer available only to Active United States Military personnel and only on Harley‑Davidson ® motorcycles financed through Eaglemark Savings Bank and is subject to credit … We are experiencing Technical Difficulties. If the problem persists, please contact Technical Support listed on the back of your card. 24/7 Account Access. Use Online Banking or in the U.S. Bank Mobile App to make a payment, check your balance, view transactions, lock/unlock your card, add a travel notification and much more.. Contact Us or call the number on the back of your card.. If your card has been lost, stolen or damaged, call 1-800-285-8585 for …Harley Davidson ® H.O.G ™. Elite Visa Signature ... U.S. Bank FlexPerks ® Gold American Express ... The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or Mastercard International Incorporated or American Express, and the card is available to United States residents ...The security deposit is used to open a U.S. Bank Secured Savings Account to ensure the secured card balance can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as the credit card account remains open and in good standing. The deposit will be returned if the account is upgraded or closed.Start by looking at the back of your gift card. Typically, you’ll find a toll-free number you can call to discover your balance. Or you can check your balance by visiting the card issuer’s site and entering your card’s 16 …4.1 /5. The U.S. Bank Visa® Platinum Card is a good 0% APR credit card for people with good credit or better, giving new cardholders a relatively long introductory APR promotion of 0% for 18 billing cycles on new purchases and 0% for 18 billing cycles on balance transfers. U.S. Bank Visa Platinum also has a $0 annual fee.Providing you with high-quality customer service for all your Personal Banking needs is our number one priority at U.S. Bank. ... U.S. Bank Visa® Platinum Card; ... CONTACT US. Make an appointment. Call 800-USBANKS.Get a payment estimate. Find loans and lines of credit that fit your needs at U.S. Bank. Whether you're looking to purchase a home, refinance a car or pay for unexpected expenses, U.S. Bank offers loans and lines of …Self Service. We are experiencing Technical Difficulties. If the problem persists, please contact Technical Support listed on the back of your card. U.S. Bank - EP-MN-L20D - 200 South Sixth Street - Minneapolis, MN 55402 Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Rewards Program Rules for additional information. Harley-DavidsonGet a payment estimate. Find loans and lines of credit that fit your needs at U.S. Bank. Whether you're looking to purchase a home, refinance a car or pay for unexpected expenses, U.S. Bank offers loans and lines of credit with competitive rates.It's easy to accept your credit card offer. Enter the confirmation number listed on the invitation you received and your ZIP code, then select “Continue to offer.”. The information you provide is secure and will remain private. Credit products are offered by U.S. Bank National Association.U.S. Bank Visa® Platinum Card: Best for 0% intro APR card. U.S. Bank FlexPerks® Gold American Express® Card: Best for travel rewards card. U.S. Bank Triple Cash Rewards Visa® Business Credit Card: Best for business rewards card. Harley-Davidson® Visa® Secured Card: Best for establishing credit card.Jan 4, 2024 · For a $0 annual fee, the card earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off. If our sample household as outlined above uses this card ... May 2020. Jeff Skelton said: it's more like a 50/50% hd visa-us bank. Harley-Davidson is NOT a bank ... therefore, by law, HD can NOT issue a credit card. What you've got is known as a co-branded card (I have several, such as my Kroger MasterCard which is also issued by USB). This credit card issue belongs SOLELY to USB.US bank Harley-Davidson® Visa Signature® is an option for those, who need Classic features. With an APR of 19.24% - 29.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With US bank Harley-Davidson® Visa …So, all you need to do is transfer funds from the credit card into your checking or savings account. See also: How do I transfer money between my U.S. Bank ...May 2020. Jeff Skelton said: it's more like a 50/50% hd visa-us bank. Harley-Davidson is NOT a bank ... therefore, by law, HD can NOT issue a credit card. What you've got is known as a co-branded card (I have several, such as my Kroger MasterCard which is also issued by USB). This credit card issue belongs SOLELY to USB.Please contact us using the option that works best for you: Call us at 800-285-8585. Fax your request to 866-568-7729. Mail your request to Cardmember Service, PO Box 6352 Fargo, ND 58125-6352. Please include your name, address, and signature if you're mailing or faxing your closure request.Find Chrome Gas Tank Bank at Harley-Davidson.com. Free shipping on orders $50+ and free returns. Select your store; ... The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. ... Financing offer available only to Active United States Military personnel and ...Apply for your own Harley Davidson Visa to use here or wherever Visa is accepted. ... U.S. Bank - EP-MN-L20D - 200 South Sixth Street - Minneapolis, MN 55402 ... Sweepstakes ends 12/31/2022. Open to legal residents of the 50 United States and D.C., who are 18 years of age or older. For details, ...The creditor and issuer of this credit card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated.The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.US Bank Harley Davidson Visa $6000.00 CLI "SP" ****Approved! I guess US Bank is feeling generous . Original CL $9000.00 >> CLI >> $6000.00 >>>NEW CL $15,000.00 . I requested a CLI at the same time as my US Bank Cash+. Just noticed the CLI this morning. Upon Log-In. DP's: Used it for a $3000.00 BT a long time ago. Throw a …The 1981 Harley-Davidson Heritage Edition motorcycle was a mixture of old and new. See pictures and learn about the Harley-Davidson Heritage Edition. Advertisement The 1981 Harley-...The U.S. Bank Cash+ Signature card is a great no-annual-fee option for fans of cash-back --- and it's now offering a $200 welcome bonus. We may be compensated when you click on pro...© 2024 American National Bank • Privacy policy • Member FDIC • Equal Housing Lender H-D ™ H.O.G. ™ Elite Visa Signature ® Card. Earn 5X points at H-D, gas and EV charging stations2. Earn 2X points at restaurants, bars, hotels & other lodging2. Earn 1X points everywhere else Visa is accepted2. Get up to $99 in annual credits3 with your $99 annual fee view H‑D Hog Elite Visa Signature Card terms and conditions. Every 2,500 points earns you $25 at H-D.1. When you're ready to turn your points into perks at H-D ® dealerships, H-D.com or the H-D Museum, log in to your account. Redeem points for an H-D™ Gift Card, through Real-Time Rewards, or a transfer to your H-D® Membership. You can also redeem rewards through the mobile app …The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Financing offer available only to Active United States Military personnel and only on Harley‑Davidson ® motorcycles financed through Eaglemark Savings Bank and is subject to credit approval.* Your application for a loan is through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson Financial Services. Next Steps. 1. Meet with your Harley-Davidson ® dealer to discuss your options. This may include: Updates to your application that may be needed, specific rates, terms*, down payment (if applicable), and any other ...for Visa Signature® Cardholders. For more information about the benefits described in this guide, call the Benefit Administrator at 1-800-397-9010, or call collect outside the U.S. at 303-967-1093. For questions about your account, balance, or rewards points, please call the customer service number on your Visa Signature card …WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Petal® 2 Visa® Credit Card, U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Secured Visa® Card, U.S. Bank Altitude Reserve Visa Infinite® Card, and Harley …Self Service. We are experiencing Technical Difficulties. If the problem persists, please contact Technical Support listed on the back of your card.This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. Harley-Davidson® Accounts are issued by Comenity Capital Bank. 1-800-444-1627 (TDD/TTY: 1-888-819-1918 ) Every 2,500 points earns you $25 at H-D.1. When you're ready to turn your points into perks at H-D ® dealerships, H-D.com or the H-D Museum, log in to your account. Redeem points for an H-D™ Gift Card, through Real-Time Rewards, or a transfer to your H-D® Membership. You can also redeem rewards through the mobile app or by calling 800-699-2281. Re: US Bank Harley Davidson Visa $6000.00 CLI "SP" ****Approved! Congrats on your US Bank CLI 🎉👍. Starting Score: 541. Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644. Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661. Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706. Feb15 2021 Score EQ FICO8 …Mobile banking users: Select your rewards card, then choose Rewards. Online banking users: Select your rewards card, then choose Go to rewards & benefits. Select Redeem rewards. Choose the category you'd like to browse (e.g., Rewards card or Travel) and follow the prompts to redeem.Visa debit cards are similar to credit cards, except that payments made with the card are deducted directly from your bank account. Any purchase made with a debit card will not inc...Call Visa Global Customer Care Services at 1-800-847-2911 (within the U.S. or Canada) if your card has been lost or stolen. For the hearing impaired, please call 1-800-TDD-1213 in the US or Canada or 1-305-278-4285 or 1-512-865-2002 in all other countries. Toll-free numbers are supported 24 hours a day, seven days a week. This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. Harley-Davidson® Accounts are issued by Comenity Capital Bank. 1-800-444-1627 (TDD/TTY: 1-888-819-1918 ) I believe what we may be failing to acknowledge here @M_Smart007 is the fact that buying a Harley-Davidson is merely a down payment on accessories. Hence the H-D Visa from US Bank. As such, the US Bank H-D Card should/could be utilized for what is essentially a “slush fund”, for dressing your scoot in the manner that you see fit for either …4 days ago · To break it down further, Harley-Davidson® Credit Card earned a score of 4.0/5 for Fees, 5.0/5 for Rewards, 3.2/5 for Cost, 3.4/5 for APR, and 4.2/5 for User Reviews. Info about the Harley-Davidson® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details. Jul 11, 2023 · U.S. Bank Mobile. 3.2 star. 672 reviews. 100K+. Downloads. Everyone. info. Install. About this app. arrow_forward. The Harley-Davidson® Visa card is pleased to offer you a mobile solution... Want a contactless Chase Visa ... Let us track where you stored your card so you don’t have to with this free, easy and secure tool. ... Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches. 1Benefit to be launched in 2024. 2H-D Visa Card holders receive one or two points for miles ridden, in additional to H-D Membership points, depending on the Visa Card. Harley Owners Group is our pinnacle membership plan with benefits to support every rider’s journey. Explore the new H.O.G benefits included in your membership. Harley-DavidsonRe: US Bank Harley Davidson Visa $6000.00 CLI "SP" ****Approved! Congrats on your US Bank CLI 🎉👍. Starting Score: 541. Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644. Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661. Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706. Feb15 2021 Score EQ FICO8 …Self Service - U.S. Bank- $49 annual Harley Owners Group membership credit. - $30 annual credit for H-D dealership purchases. - $20 SiriusXM subscription credit after 11th consecutive monthly payment. The card is issued by US Bank. Thought I'd post in case this is a new product that may be of interest to other MyFICOers.So, all you need to do is transfer funds from the credit card into your checking or savings account. See also: How do I transfer money between my U.S. Bank ...You may redeem your rewards points when you have acquired enough for a Harley-Davidson gift card. The gift cards are available in increments of $25. Log in to your credit card account with U.S. Bank to view your points and request a gift card, or call customer service at 800-699-2281 and request a card. You may request a digital …Credit cards are an essential aspect of finance and banking because of the flexibility and convenience that come with them. Although banks charge fees and interest, credit cards ar...Simple. Secure. Bank better with a U.S. Bank Smartly ® Checking account that keeps your money safe while earning you interest. 1 Then, easily manage your money with our top-rated mobile app. Apply in under 5 minutes.In 2021, an estimated 22.1 million international visitors came to the United States. Foreigners looking to enter the United States typically need a visa to come into the country le...Enroll your U.S. Bank Cash Rewards Visa ... Contact Us or call the number on the back of your card. If your card has been lost, stolen or damaged, call 1-800-285-8585 for assistance. Fraud Protection. We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your ...Find Chrome Gas Tank Bank at Harley-Davidson.com. Free shipping on orders $50+ and free returns. Select your store; ... The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. ... Financing offer available only to Active United States Military personnel and ...Simple. Secure. Bank better with a U.S. Bank Smartly ® Checking account that keeps your money safe while earning you interest. 1 Then, easily manage your money with our top-rated mobile app. Apply in under 5 minutes.Find 120th Anniversary Gas Tank Bank at Harley-Davidson.com. Free shipping on orders $50+ and free returns. ... The creditor and issuer of the Harley‑Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. ... Financing offer available only to Active United States Military …The 1905 Harley-Davidson motorcycle had to be pedaled like a bicycle to get started. See pictures and learn about this Harley-Davidson motorcycle. Advertisement Two years after the...Unfortunately, you need to have some funds in the bank to open the Harley Davidson Secured Visa card. The security deposit required for the card ranges from $300 to $5,000. The $300 minimum is on the high side for a secured credit card. ... Bank of America, Capital One, Chase, Citi and Discover. …I read the FAQ, looked at Nerdwallet's secured credit cards, and I don't want airline miles rewards. Here's the list of secured credit cards for…Main 760-951-1119 Call Us Sales 760-269-8338 Call Us Service 760-269-8378 Call Us 14522 Valley Center Drive , Victorville, CA 92395 Directions Main 760-951-1119 Call Us 14522 Valley Center Drive , Victorville, CA 92395 Directions Specials . Service Specials ; Parts Specials ;About this app. The Harley-Davidson® Visa card is pleased to offer you a mobile solution to easily access your credit card account on the go. Easy access is the first step in saving time. • We’ve made it easier than ever to enroll in mobile banking!
4.1 /5. The U.S. Bank Visa® Platinum Card is a good 0% APR credit card for people with good credit or better, giving new cardholders a relatively long introductory APR promotion of 0% for 18 billing cycles on new purchases and 0% for 18 billing cycles on balance transfers. U.S. Bank Visa Platinum also has a $0 annual fee.. Sbionline in personal banking
US bank Harley-Davidson® Visa Signature® is an option for those, who need Classic features. With an APR of 19.24% - 29.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With US bank Harley-Davidson® Visa …Jul 11, 2023 · U.S. Bank Mobile. 3.2 star. 672 reviews. 100K+. Downloads. Everyone. info. Install. About this app. arrow_forward. The Harley-Davidson® Visa card is pleased to offer you a mobile solution... US Bank Harley Davidson Visa $6000.00 CLI "SP" ****Approved! I guess US Bank is feeling generous . Original CL $9000.00 >> CLI >> $6000.00 >>>NEW CL $15,000.00 . I requested a CLI at the same time as my US Bank Cash+. Just noticed the CLI this morning. Upon Log-In. DP's: Used it for a $3000.00 BT a long time ago. Throw a …We are experiencing Technical Difficulties. If the problem persists, please contact Technical Support listed on the back of your card.We would like to show you a description here but the site won’t allow us.The 1981 Harley-Davidson Heritage Edition motorcycle was a mixture of old and new. See pictures and learn about the Harley-Davidson Heritage Edition. Advertisement The 1981 Harley-... This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. Harley-Davidson® Accounts are issued by Comenity Capital Bank. 1-800-444-1627 (TDD/TTY: 1-888-819-1918 ) H-D ™ H.O.G. ™ Elite Visa Signature ® Card. Earn 5X points at H-D, gas and EV charging stations2. Earn 2X points at restaurants, bars, hotels & other lodging2. Earn 1X points everywhere else Visa is accepted2. Get up to $99 in annual credits3 with your $99 annual fee view H‑D Hog Elite Visa Signature Card terms and conditions. This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. Harley-Davidson® Accounts are issued by Comenity Capital Bank. 1-800-444-1627 (TDD/TTY: 1-888-819-1918 )To break it down further, Harley-Davidson® Credit Card earned a score of 4.0/5 for Fees, 5.0/5 for Rewards, 3.2/5 for Cost, 3.4/5 for APR, and 4.2/5 for User Reviews. Info about the Harley-Davidson® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.The APR may vary based on the applicant’s past credit performance and the term of the loan. For example, a 2024 FLTRXSTSE CVO™ Road Glide® ST motorcycle in Raven Metallic with an MSRP of $42,999, 10% down payment and amount financed of $38,699.10, 96 month repayment term, and 12.74% APR results in monthly payments of $644.81.Harley-Davidson® Visa Card 4+. U.S. Bancorp. Designed for iPad. 1.5 • 334 Ratings. Free. Screenshots. iPad. iPhone. The Harley-Davidson® Visa card is pleased to offer you a mobile solution to easily access your credit card …Typically, you'll be able to use the funds one to two (1-2) business days after you make your payment. If your funds aren't available as expected, please call us and we'll review your account. We can be reached at the number on the back of your card, or at 800-285-8585. *Local time refers to the time zone in which the payment account was opened..