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VISA Credit Card Application
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Credit CardApplication
4321 1234 13
42 3421
4321 1234 13
42 3421
12/1412/14
Cynthia H.Cynthia H.
www.firstlightfcu.org 1-800-351-1670
El Paso Las Cruces(575) 526-4401300 E. Foster Rd.3105 Del Rey Blvd.3791 E. Lohman Ave.
(915) 562-11725050 N. Desert Blvd.
Ft. Bliss - 1741 Marshall Rd.W. Beaumont MC, 1st. Floor
9993 Kenworthy St.1555 Lee Treviño Dr.
20727 Constitution Ave.
You can protect your financial future by signing up for voluntary credit insurance below. Enroll by simply indicating your preference in the "Credit Insurance Application" section below. Your credit union will be happy to explain the variousinsurance options and coverage. The cost is reasonable.
CREDIT INSURANCE
CREDIT INSURANCE APPLICATION & SCHEDULE
"You" or "Your" means the member and the joint insured (ifapplicable). The joint insured may only be spouses orbusiness partners.
Credit insurance is voluntary and not required in orderto obtain this loan. You may select any insurer of your choice.You can get this insurance only if you check the "yes" boxbelow and sign your name and write in the date. By signingbelow you certify that:
If you elect insurance, you authorize the credit union toadd the charges for insurance to your loan each month.
You are working for wages or profit for 25 hours a weekor more on the date of the initial advance. If you are not,
that particular advance will not be insured until youreturn to work and complete an application forinsurance. If you are off work because of temporarylayoff, strike or vacation, but soon to resume, you willbe considered at work.
For Credit Life insurance, if you are not actively at workon the date of the initial advance, you have not, at anytime during the twelve (12) months immediatelypreceding the date of the initial advance, received amedical diagnosis or any care or treatment for cancer,high blood pressure or for any disease of the heart,lungs or blood vessels.
You are under the Maximum Age for Insurance.Insurance will stop when you reach that age.
N/A $50,000
YOU ELECT THE FOLLOWING INSURANCE COVERAGE(S) YES
EFILSMUMIXAM ECNARUSNI DISABILITY
NO
$50,000 N/A$750
$.084
$.055
$.189
JCL=
SCL=
SCD=
JOINT CREDIT LIFE
SINGLE CREDIT LIFE
SINGLE CREDIT DISABILITY
APP.825-0892 TX(3.53RA)
If you are totally disabled for at least 14 days, then the disability benefit will begin with the 15th day of disability.
SECONDARY BENEFICIARY(If you desire to name one)
COVERED MEMBER (Please print)COST PER $100
OF YOUR MONTHLYLOAN BALANCE
N/AMAX. MONTHLY TOTAL DISABILITY BENEFIT PER LOANMAX. AMOUNT OF LOAN INSURABLE PER LOANMAX. AMOUNT OF LOAN INSURABLE PER MEMBERMAX. AGE FOR INSURANCE 66 70
NOTE: The insurance you're applying for contains certain terms and exclusions; Refer to your certificate forcoverage details.
MEMBER
DATE OF ISSUE OF THIS CERTIFICATE
042-0854-9ACCOUNT NUMBER
ITX404 (LASER)
DATEDATE
SIGNATURE OF MEMBER(Be sure to check one of the boxes above.)
SIGNATURE OF JOINT INSURED (CO-BORROWER)(Only required if JOINT CREDIT LIFE coverage is selected)
AGE AGE
X
HTRIB FO ETAD S'DERUSNI TNIOJHTRIB FO ETAD S'REBMEM
X
GROUP POLICY NUMBER
D42JI1
Visa Platinum 18.00% when you open your account, based on your
creditworthiness. Visa Platinum CURewards Introductory
to Introductory APR for a period of six (6) billing cycles based on your creditworthiness.
After that your APR will be to
to
based on your creditworthiness.
Visa Platinum CURewards to when you open your account, based on your
creditworthiness. Visa Secured
10.90%
5.90% 3.90%
18.00% 11.40%
18.00% 11.40%
16.90% Penalty APR and When it Applies How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.
We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than The minimum interest charge will be charged on any dollar amount.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial
Fees Annual Fee - Annual Fee - Visa Platinum Introductory None
None
- Annual Fee - Visa Platinum None- Annual Fee - Visa Secured None
October 1, 2012.
NoneNone
$25.00
$1.00
$25.00None
1.00%
Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee of each transaction in U.S. dollars Penalty Fees
- Late P ayment Fee Up to
Up to-Over-the-Credit Limit Fee - Returned Payment Fee
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
Effective Date. The information about the costs of the card described in this application is accurate as of
OTHER DISCLOSURES Late Payment Fee or the amount of the required minimum payment, whichever
is less, if you are one (1) or more days late in making a payment. Returned Payment Fee or the amount of the required minimum payment, whichever
is less. Statement Copy Fee Document Copy Fee Rush Fee Card Replacement Fee
$5.00 per request
$25.00
$25.00
$5.00$5.00
$5.00$27.50
Expedited (Right Time) Payment Fee
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved D42JI1 SEE BACK OF PAGE for more important information about your account.
F1
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases
Visa Platinum Introductory
to Introductory APR for a period of six (6) billing cycles based on your creditworthiness.
After that your APR will be to based on your creditworthiness. Visa Platinum
to when you open your account, based on your creditworthiness. Visa Platinum CURewards Introductory
to Introductory APR for a period of six (6) billing cycles based on your creditworthiness.
After that your APR will be to based on your creditworthiness. Visa Platinum CURewards
to when you open your account, based on your creditworthiness. Visa Secured
APR for Balance Transfers
APR for Cash Advances
Visa Platinum Introductory to Introductory APR for a period of six (6) billing
cycles based on your creditworthiness. After that your APR will be to based on your creditworthiness. Visa Platinum
to when you open your account, based on your creditworthiness. Visa Platinum CURewards Introductory
Introductory APR for a period of six (6) billing cycles based on your creditworthiness. After that your APR will be to based on your creditworthiness. Visa Platinum CURewards
to when you open your account, based on your creditworthiness. Visa Secured
Visa Platinum Introductory
to Introductory APR for a period of six (6) billing cycles based on your creditworthiness.
After that your APR will be to based on your creditworthiness.
3.90%
7.90% 18.00%
7.90% 18.00%
3.90% 5.90%
8.40% 18.00%
8.40% 18.00%
13.90%
5.90%
3.90%
7.90%
3.90%
18.00%
to 5.90%
3.90% 5.90%
8.40% 18.00%
8.40% 18.00%
13.90%
10.90% 18.00%
5.90%
7.90% 18. 0%
VISA SECUREDVISA PLATINUM CUREWARDS/
VISA PLATINUM
APPLICATION AND SOLICITATION DISCLOSURE
You
pro
mis
e th
at e
very
thin
g yo
u ha
ve s
tate
d in
thi
s ap
plic
atio
n is
cor
rect
to
the
best
of
your
kno
wle
dge.
If
ther
e ar
e an
y im
port
ant
chan
ges
you
will
not
ify u
s in
w
ritin
g im
med
iate
ly.
You
aut
horiz
e th
e C
redi
t U
nion
to
obta
in c
redi
t re
port
s in
co
nnec
tion
with
thi
s ap
plic
atio
n fo
r cr
edit
and
for
any
upda
te,
incr
ease
, re
new
al,
exte
nsio
n, o
r co
llect
ion
of t
he c
redi
t re
ceiv
ed.
You
und
erst
and
that
the
Cre
dit
Uni
on w
ill r
ely
on th
e in
form
atio
n in
this
app
licat
ion
and
your
cre
dit r
epor
t to
mak
e its
dec
isio
n. I
f yo
u re
ques
t, th
e C
redi
t U
nion
will
tel
l you
the
nam
e an
d ad
dres
s of
an
y cr
edit
bure
au f
rom
whi
ch i
t re
ceiv
ed a
cre
dit
repo
rt o
n yo
u. I
t is
a f
eder
al
crim
e to
will
fully
and
del
iber
atel
y pr
ovid
e in
com
plet
e or
inc
orre
ct i
nfor
mat
ion
on
loan
app
licat
ions
mad
e to
fed
eral
cre
dit
unio
ns o
r st
ate
char
tere
d cr
edit
unio
ns
insu
red
by
NC
UA
. Y
ou
unde
rsta
nd
that
th
e us
e of
yo
ur
card
w
ill
cons
titut
e ac
know
ledg
men
t of
rece
ipt
and
agre
emen
t to
the
ter
ms
of t
he c
redi
t ca
rd a
gree
men
t. A
co
nd
itio
n o
f yo
ur
acco
un
t is
yo
ur
gra
nti
ng
us
a se
curi
ty in
tere
st in
yo
ur
shar
e ac
cou
nts
. B
y si
gn
ing
bel
ow
yo
u g
ran
t u
s a
secu
rity
in
tere
st i
n a
ll in
div
idu
al
and
jo
int
shar
e an
d/o
r d
epo
sit
acco
un
ts y
ou
hav
e w
ith
us
no
w a
nd
in t
he
futu
re
to s
ecu
re y
ou
r cr
edit
ca
rd
acco
un
t.
Sh
ares
an
d
dep
osi
ts
in
an
Ind
ivid
ual
R
etir
emen
t A
cco
un
t an
d
any
oth
er
acco
un
t th
at
wo
uld
lo
se
spec
ial
tax
trea
tmen
t u
nd
er s
tate
or
fed
eral
law
if
giv
en a
s se
curi
ty a
re n
ot
sub
ject
to
th
is
secu
rity
in
tere
st.
Wh
en y
ou
are
in
def
ault
we
may
ap
ply
th
e b
alan
ce i
n t
hes
e ac
cou
nts
to
an
y am
ou
nts
du
e u
nd
er t
he
cred
it c
ard
ag
reem
ent.