PDF (Page 1) - Capstone Federal Credit Union

Rewarding Cards With Solid Benefits
Visa
Visa Classic &
Visa Gold Cards
The advantage of having a solid grasp on your
credit comes in the form of exceptional rates and
the confidence that comes with knowing that you
have credit available when you need it. Capstone
FCU understands the importance of establishing
and maintaining good credit, which is why we’ve
extensively researched current offerings to bring
you the best. Nothing says “success” like the
Capstone Classic & Visa Gold cards. You’ll always
have financial power when you carry one of
these outstanding cards. They’re accepted at over
19 million locations worldwide and feature low
rates and very reasonable terms.
The Visa Classic is perfect for members who need
to establish their credit. It comes with a credit line
of up to $5,000. Our Visa Gold card is appropriate
for those who’ve established their credit and can
use a higher limit up to $20,000. Visa Gold offers a
0.50% cash back bonus on purchases. Both cards
have low fixed rates, no annual fees and a 25-day
grace period on purchases.
Convenient ATM Access
It’s convenient to access cash when you use your
Visa card like an ATM card. You’ll receive a
Personal Identification Number (PIN) at card
issuance that allows you to access cash at ATMs
anywhere the Visa logo is displayed. You can
also obtain cash advances by phone, fax, mail,
or in person.
Put the
Winning Card
In Your Hands
Managing Finances Is Easier With
Balance Transfers
Make your personal financial management easier
by transferring balances from other credit cards.
It’s the perfect solution for consolidating other
higher interest debt to just one low monthly payment. Use the balance transfer portion of the
attached application and you’ll find managing
your finances a lot easier!
Get The Card That’s A Hands Down Winner!
With solid benefits, a low interest rate and no
annual fee the Capstone Visa card triumphs
over others. To apply, visit our branch location,
call us at 800-854-7125 or apply online at
www.capstonefcu.coop.
Capstone Federal Credit Union
One Fluor Daniel Drive
Aliso Viejo, CA 92698
❏ Joint Account
Have you ever had an auto, furniture or other
property repossessed?
Work Phone
❏ Rent ❏
City
Source
Position
State
State
Relationship
State
Zip
Zip
Zip
Birthdate
Position
State
Zip
Gross Monthly Income
Zip
X
Spouse/C0-Borrower Signature
Date
Date
Tel: (800) 854-7125
Fax: (949) 349-2990
Spouse/C0-Borrower Signature - ATTACH PAYSTUBS
Member Signature
X
Member Signature - ATTACH PAYSTUBS
X
Date
Date
Capstone Federal Credit Union is authorized to make inquiries as deemed necessary to
verify any information contained in this application. Upon submission, this application
becomes the property of the Credit Union. Your spouse’s signature is not required if this
is to be your separate account. If you want us to consider your spouse’s or coborrower’s income in making our credit decision, you must have your spouse/
co-borrower sign below.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating
against credit applicants on the basis of race, color, religion, national origin, age, sex,
or marital status, or because all or part of the applicant’s income derives from any
public assistance program, or because the applicant has in good faith exercised their
right under the Consumer Protection Act. I understand that any false statement for the
purpose of influencing in any way the action of any Credit Union upon any loan
application is in violation of Section 1014, Title 18, United States Code and may be
prosecuted as fraud.
By signing below, you pledge to us and grant us a security interest in all shareholdings now or hereafter on deposit with us, to secure your Visa Account.
You authorize us to apply these shareholdings to pay any amounts due on the Account or under this Agreement if you should default.
X
❏ Yes ❏ No
The undersigned certifies that the information given in this application is true and
correct, and, if married, that assets and income listed are community property unless
otherwise designated.The Credit Union is authorized to confirm and retain the
application whether or not approved. Further, the credit union is authorized to verify
and obtain whatever information it needs from credit bureaus and other sources and
to provide information to others about the undersigned’s account.
Loan Agreement – Please Sign
Do you want Balance Protection Insurance?
*In California. Rate varies by state.
Cost: 60 cents* per month per $100 of credit balance
E. Pledge of Shares (Consensual): Signature Required Before Card Can Be Issued
Note: Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Date of Employment
Phone
Phone
City
Phone
Social Security #
State
Employer
City
Home Phone
State
City
Own ❏ Parents Other
Employer
Address
City
Gross Monthly Income $
Previous Employer (if less than 2 years with present employer)
Position
Address
Phone
Other Income $
D. Income:
Relative (Not Living With You)
Address
Friend
Address
C. References:
Name
Driver’s License #
Employer’s Address
Date of Employment
B. Spouse / Co-Borrower:
Name
Driver’s License #
Address
Years at current address
Balance Protection Insurance pays your CFCU Visa bill (up to
$10,000 maximum) if you become disabled, involuntarily lose your
job, or in the event of your death.
❏ Married ❏ Unmarried ❏ Separated Social Security #
CU acct #
Birthdate
# of Dependents (exclude self)
State
Monthly payment $
Balance Protection Insurance
Monthly
❏ Checking ❏ Savings
A. Personal Information:
❏ Pay Entire Balance Each Month
❏ Pay Minimum Payment Due
❏ Pay Fixed Amount of $
Account #
Automatic Payment Option
You may have your Visa payment automatically transferred from
your CFCU account. You will receive monthly statements.
(If fixed amount is less than the required minimum payment, the minimum
amount due will automatically be transferred.)
Are you the endorser, guarantor or co-maker for
anyone else?
❏ Yes ❏ No
❏ Yes ❏ No
Have you or your spouse ever filed bankruptcy?
Are any debts past due?
❏ Yes ❏ No
❏ Yes ❏ No
Credit History
IMPORTANT: Your application cannot be processed without verification of your income as follows: 1. Please include your last pay stub.
2. If self-employed, attach a copy of your most recent income tax return and/or other proof of income such as verification of direct deposits.
If you have any questions, call (800) 854-7125.
I authorize him/her to use it and I accept full responsibility
for all charges and/or cash advances.
❏ 1 Card - Amount Requested
❏ 2 Cards - Please issue second card in the name of
❏ Individual Account
Visa Card Application
Balance Transfer Form
Indicate which cards you’d like us to pay off by completing the information on your credit cards below, and include a copy of the most recent
statements. We will issue the checks and send the payments to your creditors as indicated.
1. Company Name
Address
Acct. #
City
Amount $
State
Zip+4
2. Company Name
Address
Acct. #
City
Amount $
State
Zip+4
3. Company Name
Address
Acct. #
City
Amount $
State
Zip+4
I hereby authorize CFCU to pay off the balances due on the following credit cards by means of a CASH ADVANCE to my CFCU Visa. Cash Advances
are always subject to a FINANCE CHARGE from the date they are posted to your account to the date they are paid off in full. The Cash Advance
transaction fee is waived on BALANCE TRANSFERS. I understand that CFCU is not responsible for my payment being late or lost in the mail. I also
understand that there may be outstanding charges on my account and that this advance may not pay off the total balance due. I further understand
that if there is an insufficient limit on my CFCU Visa account, that CFCU will pay off the balances in the order listed until my credit limit is exhausted.
This authorization cannot be processed if not fully completed.
X
Cardholder’s Signature (required)
Date
Cash Advance Request
I would like the amount of $
❏ Mail check to me at address on reverse
(minimum $50.00):
❏ Deposit to my CFCU account:
❏ Checking ❏ Savings
Your Visa Card will be charged as of the date the check is issued. Cash Advances are always subject to a FINANCE CHARGE from the date they are
posted to your account to the date they are paid off in full. Your Visa Card agreement contains all terms concerning the repayment of a Cash
Advance. The check will not be returned to you, but the transaction will appear on your next Visa Statement. The Cash Advance fee is waived when
a Cash Advance is requested with your initial Visa application.
My signature below authorizes Capstone Federal Credit Union to complete a Cash Advance on my CFCU Visa in the amount I have indicated.
I further understand that the amount requested, up to my available credit limit, will be added to any existing balance as an advance to CFCU Visa.
X
Cardholder’s Signature (required)
Date
Credit Union Use Only
Visa Disclosure
❏ Loan Officer
Annual Percentage
Rate For Purchases
Annual Card Fee
Grace Period For Repayment
of Balance for Purchases
Method of Computing the
Balance for Purchases
Minimum Finance Charge
Over the limit Charge
Late Payment Fee
Cash Advance Fee
Limit Approved: ❏ Yes ❏ No
Date:
Approved: $
❏ Credit Committee or
other outside information considered: ❏ Yes ❏ No
Debt Ratio:
If yes, attach additional sheet and describe.
Referred to/Reason(s) for referral:
Loan Officer:
X
Date:
X
Date:
Loan Committee: X
Date:
X
Date:
9.80%-Gold
12.80%-Classic
No Annual Fee
25 days
Average Daily Balance
(include. new purchases)
$0.50
$15
$25
1% up to a maximum
of $10 (minimum $1)