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NOTES Balance Transfer: Transfer the amount(s) shown from the
IMPORTANT DISCLOSURE INFORMATION
FOR MASTERCARD
accounts listed below to my new MasterCard: ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
8.9% - 18%*
Amount You Want To Transfer Account Number (from Credit Card) Card Type
$ OTHER APRs:
CASH ADVANCES AND BALANCE TRANSFERS
Card Issuer Address City State Zip Code
8.9% - 18%*
3.9% for first six months. Penalty rate: 12.9-18%.
See explanation below.**
Amount You Want To Transfer Account Number (from Credit Card) Card Type
$ GRACE PERIOD FOR REPAYMENT OF BALANCES
25 days on average.
Card Issuer Address City State Zip Code
METHOD OF COMPUTING THE BALANCE
Average daily balance (including current transactions)
Amount You Want To Transfer Account Number (from Credit Card) Card Type
$ ANNUAL FEES
No Annual Fee on MasterCard without air miles, $25.00 annual fee
Card Issuer Address City State Zip Code if gift awards and air miles program is chosen. Fee will be waived if
a total of $2,000 is charged to account over 12 month period.
MINIMUM FINANCE CHARGE
ACKNOWLEDGEMENT OF PLEDGE OF SHARES FOR MASTERCARD APPLICANT ONLY There is no minimum Finance Charge
BY REQUESTING AND RECEIVING, SIGNING AND USING, OR PERMITTING OTHERS TO USE A MASTERCARD ISSUED TO YOU BY TORRANCE
COMMUNITY FEDERAL CREDIT UNION, YOU AGREE, AS CARDHOLDER, TO THE TERMS OF THE MASTERCARD AGREEMENT AND DISCLOSURE
STATEMENT, AND YOU FURTHER ACKNOWLEDGE AND AGREE THAT THE MASTERCARD AGREEMENT AND DISCLOSURE STATEMENT CONTAIN
TRANSACTION FEE FOR CASH ADVANCES, AND FEES
THE FOLLOWING PROVISION: FOR PAYING LATE OR EXCEEDING THE CREDIT LIMIT
YOU ALSO AGREE TO THE FOLLOWING PROVISION: Borrower hereby pledges all paid shares and payment of shares, which borrower now Transaction fee for cash advance: None
has or hereafter may have in the Credit Union as security for loans, interest, late charges, costs or expenses. In the event of default in the pay- Late payment fee: $25.00
ment of installments hereinabove agreed to be paid, borrower hereby authorizes the Credit Union to apply said shares to the payment of said Over-the-credit-limit fee: $15.00
loans, interest, late charges or expenses. The foregoing pledge of shares does not apply to any shares held in any Individual Retirement Ac-
count or Keogh Plan. FOREIGN TRANSACTION FEE
THIS MEANS THAT IF YOU ARE IN DEFAULT UNDER THE TERMS OF THE MASTERCARD PROGRAM, WE MAY EXERCISE OUR RIGHTS AS A SE-
1% Charge by Card Issuer
CURED PARTY TO APPLY ANY FUNDS YOU HAVE ON DEPOSIT WITH US TO SATISFY YOUR INDEBTEDNESS. NOTICE: This acknowledgement must
be signed by you and returned to the Credit Union.
* Rate differential based on credit score
X **Additional 4% added to APR for purchases, cash advances and balance
MEMBER’S SIGNATURE DATE transfers for accounts delinquent for 60 days or more. Penalty rate effective
until member brings account current and maintains for 4 months.
X Return your application by
SPOUSE/CO-APPLICANT SIGNATURE (IF APPLICABLE) DATE
Fax Mail In Person
AGREEMENT
(310) 618-6824 P.O. Box 4327 2377 Crenshaw Blvd. #150
“You” and “Your” mean each and all of the applicants signing on the reverse. Torrance, CA Torrance, CA
1. You certify the accuracy of the information given in this application and you will notify the Credit Union in writing immediately if there is any change in 90510-4327 90501
your financial condition. It is a violation of section 1014, Title 18, U.S. Code to make a false statement or overvalue security for the purpose of influencing
the action of a federally insured Credit Union.
2. You authorize the Credit Union to gather whatever credit, employment information, tax returns and related information from the Internal Revenue Service
that the Credit Union considers appropriate from time to time. You understand that this will assist, for example, in determining your eligibility for renewal
of credit and additional extensions of credit. You authorize the Credit Union to give information concerning your credit experience with us to others. You
understand and agree that the Credit Union may retain this application and any other credit information the Credit Union may receive. Printed with soy-based ink
3. You agree that by using, or authorizing another to use the Account, you will be bound by the terms and conditions of the applicable Torrance Community on recycled paper containing
Federal Credit Union disclosure entitled: A) Line of Credit Note and Federal Disclosure Statement, B) Note, Security Agreement and Federal Disclosure 10% post-consumer fiber
Statement or C) Platinum MasterCard Agreement and Federal Truth-in-Lending Disclosure Statement, which will be given to you if your application is ap-
proved and before the first transaction is made.
4. You agree that if the account becomes delinquent for more than 60 days, an additional amount of 4% will be added to the current APR. Penalty rate
would be in effect until you are able to bring your account current and maintain that status for 4 months. We belong to you.
PLEASE INITIAL: ___ ____ Member owned since 1958
TORRANCE COMMUNITY FEDERAL CREDIT UNION APPLICATION FOR CREDIT
NOTICE: Married applicants may apply for a separate account. Check the appropriate box to indicate the type of credit you are applying for.
arranged. Whether you are buying a new car, ■ Individual Credit: Complete Applicant section. Cover other sections as follows: (1) Information about your spouse if you live in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI) or your spouse
a pre-owned SUV, or that motorcycle you’ve will use the account; (2) Information about the party making the payments if you are relying on alimony, spousal support or child support or separate/spousal maintenance as a basis for repayment.
always dreamed of, we offer flexible terms and ■ Joint Credit: Provide information about both of you by completing Applicant and Co-Applicant/Spouse sections. Please Initial __________________ ___________________
Primary Joint
low rates. Amount Requested Payment Method
$ ■ Automatic Payment From Savings ■ Automatic Payment From Checking
Use a TCCU Vehicle Loan to buy a: Purpose Reference Name Phone Number
FINANCIAL •
•
Car, Truck, Van or SUV
Boat
APPLICANT ■ CO-APPLICANT ■ SPOUSE
FLEXIBILITY
Name (Last) (First) (Initial) Name (Last) (First) (Initial)
• Motor home
• Motorcycle Member Number DL# Social Security Number DOB Member Number DL# Social Security Number DOB
• Travel Trailer Home Phone ■ 1st Contact Cell Phone ■ 1st Contact Business Phone/Ext. ■ 1st Contact Home Phone ■ 1st Contact Cell Phone ■ 1st Contact Business Phone/Ext. ■ 1st Contact
Torrance Community Credit Union can help • Personal Watercraft
Primary Home Address (Street, City, State, Zip) Primary Home Address (Street, City, State, Zip)
you get all those things you want, or need, TCCU makes purchasing a new vehicle easy.
or absolutely must have. With a variety of Use our online tools to locate exactly the
Length of Residence E-mail address Length of Residence E-mail address
loans and lines available, we have a smart right vehicle for you, from the comfort of Complete for Joint Credit, Secured Credit or if you live in a community property state: Complete for Joint Credit, Secured Credit or if you live in a community property state:
financing option to fit your needs – and your own home. You can also look to TCCU
■ Married ■ Separated ■ Unmarried (Single, Divorced, Widowed) ■ Married ■ Separated ■ Unmarried (Single, Divorced, Widowed)
Number of Dependents (Include Self) Ages
your budget for extended warranties and payment
Number of Dependents (Include Self) Ages
TCCU’S PLATINUM MASTERCARD protection for added peace of mind. EMPLOYMENT AND INCOME INFORMATION EMPLOYMENT AND INCOME INFORMATION
Name and Address of Employer
Where else can you get a Platinum Master- THE ANYTHING AND EVERYTHING Name and Address of Employer
Card with no annual fee and great, low PERSONAL LOAN Employment Start Date Gross Salary Position Employment Start Date Gross Salary Position
TCCU rates? Use your Platinum card to pay $ $
Thinking about outfitting a new media Other Income Source Self-Employed Other Income Source Self-Employed
for anything and everything. It is safe and room, remodeling your kitchen, visiting $ per month ■ Yes ■ No $ per month ■ Yes ■ No
convenient and accepted the world over – those places you’ve always dreamed of, NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you choose not to have it considered. NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you choose not to have it considered.
anywhere you see the MasterCard logo. or making your child’s dream of a college
If employed in current position for less than one year, complete the following: If employed in current position for less than one year, complete the following:
Previous Employer Name and Address Previous Employer Name and Address
With such a great rate, why not consolidate education come true, TCCU can help.
Employment Start Date Employment End Date
your other bills and make just one low Personal Loans from TCCU get you the Employment Start Date Employment End Date
monthly payment on your TCCU Platinum cash you need at a great rate with payments Reference Phone Number Reference Phone Number
MasterCard? Just use the attached balance tailored to fit your budget. Let TCCU help MORTGAGE OR RENT MORTGAGE OR RENT
transfer form. Simplify your life, while you’re your dreams come true. ■ Mortgage Monthly Payment Balance ■ Mortgage Monthly Payment Balance
■ Rent $ $ ■ Rent $ $
saving money! TCCU OFFERS: Who do you pay your mortgage to? Market Value Who do you pay your mortgage to? Market Value
$ $
OUR VEHICLE LOANS • Lines of credit THESE QUESTIONS APPLY TO BOTH APPLICANT AND CO-APPLICANT If a “Yes” answer is given to a question, explain on an attached sheet
GIVE YOU THE POWER! • Signature loans Applicant Other Applicant Other
With a TCCU vehicle loan in hand, you’ve got • Debt Buster bill consolidation loans Are you aware of any past due accounts on your credit report? ■ Yes ■ No ■ Yes ■ No Are you a co-maker or guarantor on any loan not listed above? ■ Yes ■ No ■ Yes ■ No
Have you had property foreclosed upon or given title or deed in lieu thereof, in the past 7 years? ■ Yes ■ No ■ Yes ■ No To Whom (Name of Creditor)
the power when shopping for a new vehicle. • Share Certificate secured loans Are you other than a U.S.Citizen or permanent Resident Alien? ■ Yes ■ No ■ Yes ■ No
You’ll have the upper hand negotiating with • Student Loans in partnership with SIGNATURES
dealers, knowing your financing is already College Loan Corporation I have read and agree to be bound by the Agreement on the reverse side.
X
_______________________________________________________________________________________ _________________________________ X
______________________________________________________________________________________ ______________________________
Applicant Signature Date Spouse/Co-Applicant Signature Date
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