IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card is accurate as of the effective date of __________________. You can call Us at (619) 745-4313 or write Us at 2700 E. 4th Street, National City, CA 91950 to inquire if any changes have occurred since the effective date.

Interest Rate and Interest Charges  
Annual Percentage Rate (APR) For Purchases

VISA Classic: 9.90% - 14.52% based on Your creditworthiness.

Share Secured VISA: 14.52% - 14.52% based on Your creditworthiness

APR For Balance Transfers

VISA Classic: 9.90% - 14.52% based on Your creditworthiness.

Share Secured VISA: _______% - _______% based on Your creditworthiness.

APR For Cash Advances

VISA Classic: 9.90% - 14.52% based on Your creditworthiness.

Share Secured VISA: _______% - _______% based on Your creditworthiness.

How to Avoid Paying Interest On Purchases Your due date will be at least 25 days following the statement closing date, and We will not charge You interest on purchases if You pay Your entire balance owed each month by Your due date.
For Credit Card Tips from the Consumer Financial Protection Bureau 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  

Annual Fee

$20.00

Transaction Fees

  • Cash Advance
  • Balance Transfer
  • Foreign Transaction

 

3.00% of each advance ($10.00 minimum - $200.00 maximum)
3.00% of each transfer ($10.00 minimum - $150.00 maximum)
0.80% of each foreign currency transaction in U.S. dollars.
1.00% of each U.S. Dollar transaction that occurs in a foreign country.

Penalty Fees

  • Late Payment
  • Returned Payment

 

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).”



Paradise Valley FCU

Credit Line Account & Personal Loan Application

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General Information

If You live in a community property state, are You:

Marital Status

Married applicants can apply for individual credit.

Indicate if You would like:

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

Spouse/Co-Applicant Information

Complete Spouse/Co-Applicant Information only if: a. This is for joint credit with Your Spouse or other Co-Applicant; b. Your Spouse will use Your Account; c. You are relying on Your Spouse's income as a source of repayment for the credit requested; or d. You live in a community property state: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin (or Puerto Rico). Definitions: Whenever used in this application, the words “You” and “Your” refer to the Applicant(s) or Spouse/Co-Applicant and the words “We,” “Us,” and “Our” refer to the Lender.

Method of Payment

Closed-End Credit Applied For:

Type

Open-End Credit Applied For:

Applicant or CoSigner

*
*
*
*
*
*

Home Address

*
*
*
*

Time at Current Residence

Residence Type

Former Address (complete if previous address is less than 2 years)

Time at Previous Residence

Current Employer

Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered. (Proof Required)

Previous Employer

Spouse or CoApplicant

Home Address

Time at Current Residence

Residence Type

Former Address (complete if previous address is less than 2 years)

Time at Previous Residence

Current Employer

Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered. (Proof Required)

Previous Employer

References

Nearest Relative Not Living With You

Signature

Not required for online application.

If You are issued a credit card, by signing below, You grant and consent to a lien on Your shares with Us (except IRA and Keogh accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid credit card balance.

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved.  OTBS 014B PVFC (2/18)