Address: Amount to transfer (Specific $ amount. not “all”:
Address: Amount to transfer (Specific $ amount. not “all”:
Address: Amount to transfer (Specific $ amount. not “all”:
Creditor Name: Account #:
Creditor Name: Account #:
Creditor Name: Account #:
continues on second side
Address: Amount to transfer (Specific $ amount. not “all”:
Transfers
Creditor Name: Account #:
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Home Telephone
(Last) Name
Reference
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Print your balances in the order you want them paid. We will transfer as much as possible without exceeding your credit limit. Until your balance transfers are processed, which may take 2-4 weeks, you may need to make a payment on your other credit cards to keep them current. Balance transfers to other institutions are cash advance and do not have a grace period.
BALANCE TRANSFER FROM OTHER INSTITUTIONS (CANNOT TRANSFER CCFCU LOANS) If additional creditors, use separate sheet for information.
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Cell Phone
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(First)
$ $
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Other Monthly Income Received In Applicant’s Name Gross Monthly Income
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Self Employed Part Time Full Time
Employer
Employment Information
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$
Monthly Housing Payment
E-mail Address
City
Address 2
Yes
U.S. Person?
No
Retired
Own
Residence
Student
Rent
Zip State
) Home Address
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Home Telephone
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Notice: Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered.
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Date of Hire/ Retirement (mm/yr)
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Other Living With Others
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Social Security Number
Source Of Other Monthly Income
Business Telephone
Months Years
Time at Current Address
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Cell Telephone
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(First)
$
*Annual Percentage Rate 1 Valid during travel only on travel expenses when you charge your entire travel fare via common carrier to your CAP COM VISA Credit Card. 2 Reimbursement up to the actual cash value of the rental for card holders that use the VISA to initiate and complete the entire rental transaction. 3 Offers the cardholder, spouse and children, at no cost, a referral to emergency message services, medical referral assistance, legal referral assistance, emergency transportation assistance, emergency ticket replacement, lost luggage locator service, emergency translation service, prescription assistance and valuable document delivery arrangements, as well as, pre-trip assistance. This service in no way covers the expense of the assistance but merely provides the referral to a qualified vendor. 4 Warranty Manager Service offers the cardholder warranty registration and extended warranty protection that provides an additional year to a valid original manufacturer’s written U.S. repair warranty of three years or less, when the entire purchase is made with the eligible VISA.
Credit Limit Requested
• Spending limits $500 - $15,000. • No annual fee. • Save with our VISA Discount Program and Member Discounts. • Automatic accidental death and dismemberment coverage up to $200,000.1 • Zero Liability Protection on unauthorized purchases. • Auto rental coverage due to collision or theft.2
(Last)
13.90%APR* fixed
• Spending limits $1,000 - $30,000 • No annual fee • Rewards Program, including choice of: • Cash Back • Airline Tickets • Merchandise or Gift Cards • Save with our VISA discount program and Member Discounts. • Automatic accidental death and dismemberment coverage up to $1 million.1 • Zero Liability Protection on unauthorized purchases. • Auto rental coverage due to collision or theft.2 • Travel and emergency assistance services.3 • Extended warranty protection.4
Name
VISA Classic
Applicant’s Information
9.90%APR* fixed
We cannot process your application unless all the information is complete.
You can also apply online at www.capcomfcu.org/creditcard or call us at (518) 458-2195.
Birth Date (mm/dd/yy)
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Applying is easy! Complete the attached application and drop it at any CAP COM branch or mail to: CAP COM Federal Credit Union 4 Winners Circle Albany, NY 12205
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(Middle Initial)
VISA Platinum
CAP COM FCU VISA® Credit Card Application
Accepted worldwide, a CAP COM VISA® Credit Card is the only card you’ll ever need. You’ll enjoy low fixed rates, flexible spending limits and no annual fee.
Summary Of Visa Account Terms Interest Rates and Interest Changes Annual Percentage Rate (APR) Visa Classic 13.90% Visa Platinum 9.90% for Purchases APR for Cash Advances Visa Classic 13.90% Visa Platinum 9.90% APR for Balance Transfers Visa Classic 13.90% Visa Platinum 9.90% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases on Purchases if you pay your entire balance by the due date each month. Minimum Interest Charge None For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fees None Transaction Fees 1.00% of each transaction in U.S. dollars. - Foreign Transaction Penalty Fees $25.00 or the amount of the required minimum payment, whichever is less, if you are more than 10 days - Late Payment Fee late in making a payment. - Returned Payment Fee Check returned unpaid = $10 or the amount of the required payment, whichever is less. Electronic Payment (ACH) returned unpaid = $ 30 or the amount of the required payment, whichever is less. Other Fees $2.00 Statement Copy Fee Rush Fee $25.00 Card Replacement Fee $5.00 per card How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). Contact For Updates: The information about the cost of the card described in this application is accurate as of March, 2013. This information may have changed after that date. To find out what may have changed, call us at (800) 449-7728 or write us at P.O Box 3112, Tampa, FL 33631-3112, Attn: Customer Service. Not all products receive Convenience Checks. Not all products offer Overdraft Protection. Notice to New York Residents: You may contact the New York State Banking Department at 1-866-951-3873 or by writing to the Research & Technical Assistance Division, 1 State St. NY, NY 10004-1417 to obtain a comparative listing of all credit card rates, fees and interest-free periods. Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provisions. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Notice to California Residents: An applicant, if married, may apply for a separate Account. Notice to Ohio Residents: The Ohio law against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law. Reward Program Rules: We will award one point for each dollar of “net purchases” (purchases minus returns/credits) charged to a CU Rewards Platinum Card Account during each statement period. There is no limit to the number of points one can earn with a CU Rewards Platinum Card. Points will not be awarded to a cardmember for “net purchases” during a statement period if the cardmember’s Account is not open and current on the statement closing date. Points will not be awarded for Cash Advances or other Account Advance as defined in the Cardmember Agreement. Points will be awarded to the primary cardmember and may be redeemed by an authorized cardmember on the Account. CU Rewards Platinum cardmembers can redeem points for round-trip airfare beginning at 25,000 points in addition to Gift Certificates, Name Brand Merchandise Rewards and more. Complete terms and conditions for the Rewards program will be provided to CU Rewards Platinum cardmembers. Service provided by Montrose Travel. The creditor, issuer and service provider is CAP COM Federal Credit Union.
You promise that everything you have stated in this request for credit is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this request for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information provided and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan requests made to federal credit unions or state chartered credit unions insured by NCUA.
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Applicants signature
VISA
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Important Terms and Application Agreement By signing below, you understand and agree that CAP COM Federal Credit Union (“we”, “us” or “our”) as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge. If we open an Account based on this Application, you will be individually liable (or, for joint Accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this Application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes, and for other legitimate purpose associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnishes the report. By providing a telephone number for a cellular phone or other wireless device, you expressly consent to receiving communications at the number, including, but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls regardless of their purpose. These calls and messages incur access fees from your cellular provider. By signing the application, you also agree that we may verify your employment, income, address, and all other information provided with other creditors, credit reporting agencies, employers, third parties, and through records maintained by federal and state agencies (including state motor vehicle departments) and waive any rights of confidentiality you may have in that information under applicable law. You also agree that should your Application for a Visa Platinum card be denied, submitting this Application constitutes your permission to automatically consider you for a Visa Classic card. Information from this application may be shared with our affiliates. By signing below, you certify that you read and understood the disclosure here and you agree to the terms of this Application.
Credit Cards Phone Numbers & Website CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Connect-24 & Mobile Banking www.capcomfcu.org Financial Center & Mailing Address 4 Winners Circle • Albany, NY 12205
Albany • Brunswick • Clifton Park Cohoes • Colonie • Glenmont Latham • Niskayuna • North Greenbush
mm / dd / yy
Federally insured by NCUA.
VCC-09/2014
www.capcomfcu.org