REQUEST FOR ADDITIONAL EMPLOYEE CARDS AT NO CHARGE
BALANCE TRANSFER FORM
*IMPORTANT DISCLOSURES AND CREDIT INFORMATION
Annual Fee FIXED RATE Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers None Your APR for all purchases, cash advances and balance transfers for the first 6 months after account opening will be:
BUSINESS VISA® CREDIT CARDS
Card Issuer _______________________________________________________________________ Exact Amount to Pay $________________________ Account Number ______________________________________________________________________________________________________________ Payment Address ______________________________________________________________________________________________________________
Card Issuer _______________________________________________________________________ Exact Amount to Pay $________________________ Account Number ______________________________________________________________________________________________________________ Payment Address ______________________________________________________________________________________________________________
Yes! Please transfer the balances below to my new Jeanne D’Arc Business VISA® Credit Card.
First Name
First Name
(Additional Employee Cards will be authorized users of your account)
3.99% APR
After 6 months from account opening your rate will be:
Middle Initial
Middle Initial Last Name Social Security Number
9.99%APR to 15.99%APR
Grace Period for Repayment of Purchases and Cash Advances
Based on your personal credit history (subject to a maximum default APR of 17.99%) No finance charges will be imposed for purchases itemized on your statement if you pay the related balances in full within 25 days from the statement closing date, provided: (a) your statement shows no previous balance or (b) payments and credits during that statement period equaled or exceeded your account balance at the beginning of the statement period. There is no grace period for cash advances. Average Daily Balance (including new purchases) 2% of transaction or $5 minimum, $50 maximum $.50
Last Name Social Security Number
Balance Computation Method Cash Advance Fee
Minimum Finance Charge Other Fees
APR* For the first 6 months!
3.99%
Late Payment: Over-The-Limit: Foreign Transaction Fee:
$20 $30 1% of the amount of your transaction in U.S. Dollars
The information on this form is accurate as of April 1, 2006 and is subject to change. To find out if any of this information has changed since that date, call us at 1-877-604-5328 or write to Jeanne D’Arc Credit Union, 658 Merrimack Street, Lowell, MA 01854.
A POWERFUL TOOL
Excep t i o n a l Ve rs a t i l i t y a n d Va l u e Ro l l e d I n t o O n e C a rd O n l y f ro m J D C U
Continue to move your business forward and never lose your momentum. That’s the secret to success. The JDCU Business VISA® Credit Card can help your business succeed without losing a step. With our card, you get a great business value along with the worldwide acceptance of one of the most powerful cards available. Our features include: - No Annual Fee - Low Fixed Rates - Travel & Gift Rewards on all Purchases - No Balance Transfer Fees - 25-Day Grace Period - Additional Employee Cards Available - Auto Rental Insurance - Travel Accident Insurance - Automatic Payment Give your business the edge. Apply for the JDCU Business VISA® Credit Card today!
Jeanne D’Arc Credit Union Business VISA® Credit Card Application
I/We are applying for a Business Platinum credit card. Please assign the highest credit line. I/We are applying for an increase to my/our credit limit to $ ____________________________________________ My Account # is:_______________________________ Applicant’s relationship to Business: Owner Partner President Corporate Secretary/Clerk Vice President
For the purpose of securing credit from you, I/we certify that: (a) The information is true and complete to the best of my/our knowledge; (b) I/We understand that the use of the card in connection with this application will be subject to the terms and conditions of the Jeanne D’Arc VISA® Credit Card Agreement Initial Disclosure that will be sent to you. I/We consent to the necessary credit investigation in connection with the application and grant permission for its retention.
Business Information
________________________________________________ Name of Business ________________________________________________ Business Address ________________________________________________ City State Zip ________________________________________________ Business Phone Number ________________________________________________ Tax ID Number ________________________________________________ Month/Year Established Number of Employees ________________________________________________ Nature of Business Sole Proprietorship Business Type Corporation Partnership Other__________ BORROWING RESOLUTIONS
BY SIGNING THIS DOCUMENT, I/WE, THE AUTHORIZED OFFICER(S) NAMED, HEREBY CERTIFY that the following is a true and correct copy of resolutions or decisions which were duly adopted or made by the applicable governing body of the Business named above and that such resolutions or decisions continue in full force and effect without amendment or alteration on the date hereof and are in all respects in conformity with and authorized by the charter, by-laws or other governing instruments in force at the time of the adoption of said resolutions or decisions and at the present time, and that the Business shall notify the Credit Union in writing immediately of any changes. I/We also certify that I/we hold the position(s) with the Business indicated and, if more than one person signs, that the signature of the other person is his/her correct signature. RESOLVED: That the person(s) named holding the position(s) indicated is/are hereby authorized in the name of and on behalf of the Business to open a Jeanne D’Arc Credit Union Platinum Business Visa Credit Card and to execute and deliver in the name of and on behalf of the Business a Business Visa Credit Card Application and such other documents relating thereto as such person(s) may deem appropriate; and that the person(s) who are authorized to sign checks, drafts and other instruments drawn on the Business’s Jeanne D’Arc Credit Union Business Account are hereby authorized to borrow money from the Credit Union on the credit of the Business under the Platinum Business Visa Credit Card and agree to be fully responsible for repaying any and all amounts of money advanced under the Jeanne D’Arc Visa Credit Card Agreement/Initial Disclosure, together with all interest accrued thereon. RESOLVED: That all authorizations relative to the authority of any person to act on behalf of the Business shall remain in full force and effect until the Credit Union’s receipt of official written notice (accompanied by such evidence of the authority of the person giving such notice as the Credit Union may require) of the revocation or modification of such authority; all action heretofore taken on behalf of the Business and all documents executed in the name of and on behalf of the Business concerning the Business’s relationship with the Credit Union are hereby approved and ratified; and that any and all resolutions or decisions of the Business that may be in conflict with any of the foregoing resolutions or decisions are hereby revoked.
Other________________
Applicant’s Name: _______________________________ Home Address: _________________________________ City: ____________________ State: _____ Zip: _______ Social Security #: ________________________________ Date of Birth: ___________________________________ Years at Residence: ______________________________ Home Phone #: _________________________________ Employer: ______________________________________ Length of Employment: __________________________ Address: _______________________________________ City: ____________________ State: _____ Zip: _______ Work Phone #: __________________________________ Monthly Salary (Gross): $ ________________________ Other Monthly Income*: $ _______________________
*Alimony, Child Support or separate maintenance need not be disclosed unless you want us to rely on it for payment.
_____________________________________________ Applicant’s Signature Date
If more than one person is signing, each of you will have full and equal access to the credit extended and will be individually and jointly liable for the account. IMPORTANT: Please read the disclosure information on the back of this application.
Applicant’s Credit References:
Current Residence (check one) Own Rent Other Mortgage Bank or Landlord: ______________________________________________ Balance: $ _____________________________________ Mo. Payment: $ ________________________________ Total Other Monthly Obligations:$ _______________
For Jeanne D’Arc Credit Union Use Only:
Date: __________ Amount: $ _______________ Approved By: _____________________________
Equal Housing Lender