Credit Card Application

Printable Credit Card Application

Getting Started
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Type of Credit Requested


Primary Applicant

Applicant Personal Information
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Applicant Employment/Income
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If employed in current position less than three years, complete the following
 
 
Applicant References
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Co-Applicant

Co-Applicant Personal Information
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Co-Applicant Employment/Income
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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?
In the last 10 years, have you been declared bankrupt or filed a petition for Chapter 13?
Have you had property foreclosed upon or given title or deed in lieu thereof, in the last 7 years?
Are you party in a lawsuit?
Are you a U.S. citizen or permanent resident alien?
Is your income likely to reduce in the next two years?
Are you a co-maker or co-signer on any loan?
Finishing Up
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.
0.80% of each single currency transaction in U.S. dollars
Penalty Fees:
   Late Payment $20
   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.