home about us locations rates contact us

(804) 843-2520 | (888) 843-2520

Credit Card Application

Printable Credit Card Application

Getting Started

Credit Limit Requested

Type of Credit Requested

Individual Credit: Relying solely on my income or assets

Individual Credit: Relying on my income or assets as well as income or assets from other sources

Joint Credit: We intend to apply for joint credit

Primary Applicant

Applicant Personal Information

First Name

Last Name

M.I.

Social Security #

Birthdate (mm/dd/yyyy)

Home Phone

Email Address

Present Address

City

State

ZIP Code

Years at this address

Rent/Mortgage Payment

Own

Rent

With Relatives

Other

Number of Dependents

List Ages (separated by a comma, example: 8, 10, 14)

Applicant Employment/Income

Employer

Work Phone

Employer's Address

City

State

ZIP Code

Gross Monthly Income

Start Date (mm/dd/yyyy)

Other Income per Month

Source

Income derived from alimony, child support, or separate maintenance payment need not be revealed if the applicant does not want the creditor to consider the information in determining the applicant’s creditworthiness.

If employed in current position less than three years, complete the following

Previous Employer

Previous Employer's Address

Start Date (mm/dd/yyyy)

End Date (mm/dd/yyyy)

Applicant References

Name and Address of Financial Institution

Checking Account #

Name of relative not living with you

Relationship

Home Phone

Relative's Address

Co-Applicant

Co-Applicant Personal Information

Co-Applicant Employment/Income

If employed in current position less than three years, complete the following

Co-Applicant References

These Questions Apply to both Applicant and Co-Applicant

Applicant

Co-Applicant

Do you have any outstanding judgments?

Yes

In the last 10 years, have you been declared bankrupt or filed a petition for Chapter 13?

Yes

Have you had property foreclosed upon or given title or deed in lieu thereof, in the last 7 years?

Yes

Are you party in a lawsuit?

Yes

Are you a U.S. citizen or permanent resident alien?

Yes

Is your income likely to reduce in the next two years?

Yes

Are you a co-maker or co-signer on any loan?

Yes

For whom? (Name of others obligated on loan)

To whom? (Name of creditor)

Finishing Up

Contact Method

Best Way to Contact (enter phone number or email address)

Comments and/or Event Code (if applicable)

Tabular Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% to 16.9%* when you open your account, based on your credit worthiness.

APR for Cash Advances

8.9% to 16.9%* when you open your account, based on your credit worthiness.

APR for Balance Transfers

8.9% to 16.9%* when you open your account, based on your credit worthiness.

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.

Minimum Finance Charge

NONE

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

NONE

Transaction Fees:

Cash Advances

NONE

Purchases

NONE

Foreign Transaction

1% of each multiple currency transaction in U.S. dollars.
1% of each single currency transaction in U.S. dollars.

Penalty Fees:

Late Payment

Up to $29

Over the Limit

NONE

How we will calculate your balance: We use the method called “average daily balance (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

*Your rate may vary based on individual creditworthiness and Baylands FCU underwriting standards. In no event will the corresponding ANNUAL PERCENTAGE RATE be more than 16.9% or the maximum rate allowed by applicable law.

Your payments will be applied first to higher APR balances and then to lower APR balances.

Rates, fees, and terms may change: Baylands FCU may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive a 45-day advance notice in writing and a right to opt out in accordance with applicable law.

User Agreement

You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement. A condition of your account is your granting us a security interest in your share accounts. By signing below you grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. Shares and deposits in an Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as security are not subject to this security interest. When you are in default we may apply the balance in these accounts to any amounts due under the credit card agreement.

Everything that I have stated in this application is correct to the best of my knowledge. The Credit Union is authorized to check my credit, employment history, obtain a credit report and to answer questions about their credit experience with me. I understand that it may be a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of the United States Criminal Code.

I have read and accept the terms

Please solve this simple equation so we know you're a real person:

Is three > than eight? (true/false)