VISA PLATINUM APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases

6.00% to 18.00%

when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances

6.00% to 18.00%

when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

6.00% to 18.00%

when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

18.00%

This APR may be applied to your account if you:
- Make a late payment.


How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees

 

Transaction Fees
- Balance Transfer Fee

- Cash Advance Fee

- Foreign Transaction Fee

$15.00 or 1.00% of the amount of each balance transfer, whichever is
greater
$75.00 or 1.00% of the amount of each cash advance, whichever is greater
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

 

Up to $25.00
Up to $25.00
Up to $25.00

 

How We Will Calculate Your Balance. We use a method called 'average daily balance (including new purchases)."

 

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

 

Effective Date:
The information about the costs of the card described in this application is accurate as of: May 1, 2020.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

 

For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card
account is secured by various personal property and money including, but not limited to: (a) any goods you
purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate
Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding
shares in an Individual Retirement Account or in any other account that would lose special tax treatment under
state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered
borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are
not a covered borrower; or (ii) you cease to be a covered borrower.

 

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

 

Balance Transfer Fee (Finance Charge):
$15.00 or 1.00% of the amount of each balance transfer, whichever is greater.

 

Cash Advance Fee (Finance Charge):
$75.00 or 1.00% of the amount of each cash advance, whichever is greater.

 

Over-the-Credit Limit Fee:
$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.

 

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

 

Card Recovery Fee:
$15.00.

 

Card Replacement Fee:
$15.00.

 

Document Copy Fee:
$15.00.

 

Emergency Card Replacement Fee:
$40.00.

 

PIN Replacement Fee:
$15.00.

 

Rush Fee:
$25.00.

 

Statement Copy Fee:
$15.00.



Credit Card Application

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Instructions

Please provide all the requested information. When you have completed the form, press the Submit button to send your application. If necessary, we will contact you for additional information.

The items marked with (*) are required fields.

General Information

Will you be applying for Individual or Joint Credit? *

(If Joint, the co-applicant section has the same required fields as the primary applicant.)

Marital Status: Complete marital status if this loan is for: a. Joint or secured credit, or b. You reside in or rely on property located in a Community Property State. (AZ, CA, ID, LA, NM, NV, TX, WA, WI)

Marital Status
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Primary Applicant

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Home Address

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Time at Current Residence

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Residence Type *
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Previous Address

Time at Previous Residence

Residence Type

Present Employer

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Employment Status *
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Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Previous Employer

Employment Status

CoApplicant

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Home Address

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Residence Type *
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Previous Address

Time at Previous Residence

Residence Type

Present Employer

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Employment Status
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Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Previous Employer

Employment Status

References

Nearest Relative Not Living With You

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Second Reference

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Debts Monthly Payments

List all other debts (for example, auto loans, credit cards, second mortgage, home assoc. dues, alimony, child support, child care, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each credit card and auto loan.

Additional Information

How would you prefer to be contacted?

Acknowledgement

Income verification is required; other information may be required.

I certify that statements on this application are true and complete. I authorize any person, association, firm or corporation to furnish, on request of this Financial Institution, information concerning me or my affairs.(Sec. 1014, Title 18, U.S. Code makes it a Federal Crime to knowingly make a false statement on this application.)

IMPORTANT: Please only select "Submit" once. It may take a few moments for the confirmation to appear.