Student Visa Credit Card Application
Consumer Information (Effective February 1, 2008) Please read the following disclosure before completing your application. It contains important consumer information about rates, fees, and other cost information. Retain this portion for your records. Required Identification: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens or has access to an account. To comply with this law, we must receive a copy of an identifying document containing your picture and/or a current address. If any of the following includes both, you need only submit one: US driver’s license, US Social Security Card, Passport, US Military ID, US Work Visa, Other Government Issued ID (second ID required). We reserve the right to request additional identification. Online Statements: You may choose to receive your statement online. For information and to register, visit our web site at www.hfcu.org. To complete your application, attach a copy of your student ID card or college acceptance letter. Return the completed form to Hanscom FCU: • Fax to 781-698-2049 • Mail to Hanscom FCU; 1610 Eglin Street; Hanscom AFB, MA, 01731 • Stop by any branch
Annual Percentage Rate (APR) for purchases and cash advances Variable rate information Grace period for repayment of balance for purchase
Method of computing the balance for purchases Annual fee Minimum Finance Charge
As low as 8.49% See explanation below.* The Daily Periodic Rate on 8.49% is 0.02326% Not Applicable You will have a minimum of 25 days without finance charge on new purchase amounts if the total new balance is paid in full each month by the Payment Due Date. There is no grace period on cash advances. Average daily balance (excluding new transactions) None None
Card replacement fee: $5. Duplicate copy fee: $5 - $25. Minimum payment: $10, or 2.5% of the total new balance, whichever is greater. Transaction fee for cash advances: None. International transaction fee: 1% of the transaction amount on all foreign transactions. Late payment fee: $15 for each billing period in which your minimum payment is not received within 5 days after the Payment Due Date. Over the limit fee: $15 for each occurrence in which your account is 1% over the limit. Convenience check returned item fee: $15 per item. Convenience check stop payment fee: $7.50 per item. * Your interest rate is based on your personal credit history. Contact the Credit Union for the current rate you qualify for.
Application
Borrower Information
Name ______________________________________________ SSN # _________________________ Member Number _____________________________Daytime Telephone _______________________ Address ___________________________________________________ Date of Birth ______________ City, State, Zip ________________________________________________________________________ Name of Nearest Relative (not living with you) ______________________________________________ Relative’s Telephone ____________________________________________________________________
Account Information
Choose a payment option: 1. Automatic transfer from Transfer Amount: Checking Savings Minimum Payment Fixed Amount of $ _____________ Payoff Amount (prior month’s ending balance) 2. Cash Payment: Send me a payment request with my statement
Note: If a portion of the payment has been satisfied prior to the payment transfer date, only the amount necessary to fulfill the transfer amount will be transferred. If the entire payment is satisfied prior to the transfer date, no transfer will be made.
I authorize the credit union to verify or obtain information that they deem necessary concerning my credit standing. I have read the consumer information provided with this application. If approved and issued a Hanscom FCU Visa credit card, I agree to be bound by all terms and conditions accompanying the card and all amendments. I understand that additional information may be required to process this request.
Signature (applicant) ________________________________________________ Date