APCO Employees
Credit Union
VISA
CREDIT CATO APPLICATION a LINE OF CREDIT AGREEMENT
CREDIT UNION ACCOUNT NO.
A. APPLICANT’S PERSONAL INFORMATION - PLEASE PRINT
APPLICANT'S FIRST NAME	INITIAL	LAST NAME	DATE OF BIRTH / /	। SOCIAL SECURITY NUMBER	DRIVER’S LICENSE # & STATE
PRESENT STREET ADDRESS	CITY	STATE		ZIP	HOW LONG? □ OWN YRS MOS O RENT	AREA CODE & HOME PHONE
EMAIL ADDRESS					AREA CODE & CELL PHONE
NAME AND ADDRESS OF EMPLOYER					AREA CODE & WORK PHONE
JOB TITLE	HOW LONG EMPLOYED	PREVIOUS EMPLOYER & ADDRESS (IF LESS THAN 1 YEAR) CITY		STATE	ZIP
NAME AND ADDRESS OF CLOSEST RELATIVE NOT LIVING WITH YOU	STREET ADDRESS			CITY	STATE	ZIP	AREA CODE & HOME PHONE
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.					
GROSS MONTHLY SALARY $	I NET MONTHLY SALARY I OTHER INCOME	I | $ | $ |		SOURCE OF OTHER INCOME	I NET MONTHLY RETIREMENT PAY	I TOTAL NET MONTHLY INCOME $
B.	information regarding spouse/co-applicant. read before completing
Completion of th is section required if (1) You are a resident of a community properly state (AZ, CA, ID, LA, NM, NV,TX, WA), (2) You are relying upon property located in a community property state, as a basis for repayment of credit requested, (3) You are relying upon the Income or assets of another, (4) you are relying upon alimony, rtilld support, or separate maintenance payments as from a spouse or former spouse, (5) Your spouse will be allowed to use this account, or (6) Your spouse will be contractually liable.
FIRST NAME	INITIAL	LAST NAME			DATE OF BIRTH	SOCIAL SECURITY NUMBER		DRIVERS LICENSE # & STATE
PRESENT STREET ADDRESS	CITY		STATE	ZIP			HOW LONG? YRS MOS	AREA CODE & HOME PHONE
EMAIL ADDRESS								AREA CODE & CELL PHONE
NAME AND ADDRESS OF EMPLOYER			JOB TITLE				AREA CODE & WORK PHONE	HOW LONG EMPLOYED?
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.								
GROSS MONTHLY SALARY	I s	 |	NET MONTHLY SALARY $		I OTHER INCOME		I SOURCE OF OTHER INCOME			TOTAL NET INCOME - APPLICANT AND CO-APPUCANT	
C.	LIST ALL DEBTS OF APPLICANT (INCLUDING SPOUSE/CO-APPLICANT IF SECTION B IS COMPLETED)
CREDITORS NAME	ACCOUNT NO.	ADDRESS	PURPOSE	ORIGINAL BALANCE	CURRENT BALANCE	MONTHLY PAYMENT
t □ LANDLORD □ MORTGAGEE				$	S	$
2.				$	$	$
3.				$	$	$
4.				$	$	$
5.				$	$	$
6-				$	$	$
7+				$	$	5
0.				$	$	3
9*				$	$	$
i0CHILD CARE/CHILD SUPPORT/ALIMONY PAYMENTS				5	$	$
THIS APPLICATION MAY BE REJECTED IF ALL DEBTS ARE NOT LISTED. IF YOU REQUIRE MORE SPACE ATTACH ADDITIONAL SHEET. IF SELF EMPLOYED, ATTACH FINANCIAL STATEMENT.			ARE ANY DEBTS	□ YES PAST DUE	UNO		TOTAL MONTHLY OBLIGATIONS	$
D. APPLICANT’S FINANCIAL INFORMATION AND PERSONAL REFERENCES
CREDIT UNION, BANK, OR OTHER FINANCIAL INSTITUTION		ADDRESS	1 BRANCH		I TYPE	□ SAVINGS OF	□ CHECKING | ACCOUNT	□LOAN
HAVE YOU OR GO-APPLICANT EVER	1. BEEN SUED	QYES FOR DEBTS?	□ NO	2, APP LIED TO THIS	□ YES CREDIT UNION?	□ NO	3. FILED BANKRUPTCY OR CHAPTER 13?	□ YES □ NO	ARE YOU OR GO-APPLICANT QYES	TO WHOM CURRENTLY A CO-MAKER?	□ NO
Credit limit requested $.	 ■ ■ ■ •			FOR CREDIT UNION USE ONLY	Credit Limit $.			 Approved □ Approved By 					
By signing this application you are certifying that all information you provided is complete and true and is furnished for the purpose of obtaining credit. You also authorize APCO EMPLOYEES CREDIT UNION to check your credit and employment history and make whatever Inquiries necessary in the course of granting credit, or collecting any credit extended. You understand that the credit union will retain this application whether or not it is approved and you authorize the credit union to answer questions about the credit union's experience with your credit. You also agree that if you are approved fora VISA credit card that your use of that card will bind you to all terms and conditions contained in the “VISA CREDIT CARD AGREEMENT” that you receive. You hereby acknowledge that you have removed the attached VISA Credit Card Agreement and Statement of Billing Rights and will retain it for your records.					
CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Applicant’s Signature
Date
Go-Applicant's Signature
Date
By signing below you hereby specifically agree to al! terms of paragraph 13 of ths VISA CREDIT CARD AGREEMENT you receive including but not limited to your pledging all shares and/or deposits (including amounts in draft accounts) and payments and earnings thereon which you now or hereafter may have with us, whether held jointly, individually, or in trust as security for any and all monies advanced or purchases made by use of the card and any interest accrued thereon. Upon default you authorize us to take what you owe us out of any account (except Individual Retirement Accounts) you have with us. You further understand that such a security interest Is a condition of the credit union granting you this loan.
CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Applicant's Signature
Date
Co-Applicant’s Signature
Date
THE APPLICANT AND GO-APPLICANT MUST EACH SIGN ON BOTH APPLICABLE LINES ABOVE OR WE CANNOT PROCESS THE APPLICATION. APCO Employees Credit Union Rev. 01-14
VISA CREDIT CARD AGREEMENT (Keep this for your records)
In this Agreement the words 'you' and 'your' mean each and oil of those who apply for ihe Card or who sign ihis Agreement. 'Card* means ihe VISA Credit Card and any duplicates and renewals we issue. 'Account' means your VISA Credit Card Line of Credit Account wilh us. ‘We", 'us" and ‘ours* means ARCO Employees Credit Union.
1.	Responsibility. If we issue you a Cora, you agree to repay all debts and ihe FINANCE CHARGE arising from the use of the Card and the Account. For example, you ore responsible for charges made by anyone else to whom you give the Cord, and ihis responsibility continues until the Card is recovered. You cannol disclaim responsibility by notifying us, but we vzill dose the Accounl for new transactions if you so request and if you return all Cards. Your obligation to pay Ine Account balance continues even though an agreement, divorce decree or drier court judgment to which we ore not o party moy direct you or one ol the other persons responsible to pay the Account. Any person using the card is jointly responsible and is also joinlly responsible for all charges on the Accounl, including yours. You agree the VISA Card may nol be used far any illegal or unlawful activity or transactions, including but not limited Io illegal gambling. You agree to pay oil applicable lees when due, including return check, VISA draft reproduction and statement replacement fees.
2,	lost Card Nolificolion. If you believe ihe Cord hos been tost or slolen, you will immediately call us of (205) 226-6800 or I ■000-249-2726 daring normol business hours. After hours coll (8001991-4961, If o cardholder reports the loss or theft of a cord within Iwo business days of discovery ihal ihe card was Iasi or stolen, the cardholder liability is $0 (zero). If a cardholder reports ihe loss or iheflof a card beyond two business doys of discovery thal ihe card was lost or stolen, ihe cardholder liobilily is $50.
3.	liability for Unauthorized Use. You may be liable For the unauthorized use of your card. You will not be liable for unoulhorized use ihal occurs after you notify ihe Credit Union, orally or in writing, of ihe loss, iheft, or possible unoulhorized use. tn any cose, your liability will nol exceed $50. For VISA Credit cords, if you report that the Cord is lost or stolen, your liability is $0 (zero). If you provide proper notification of other unoulhorized VISA transactions, your maximum liability is $0 (zero). We moy require you to provide a written statement regarding claims of unauthorized transactions. These limits of liability may be exceeded, to the extent allowed under applicable law, if we determine ihat the accounl was handled in a fraudulent or grossly negligent manner. These provisions for cardholders liability do nol apply to transactions on Visa Commercial Cards, Visa or Plus* ATM Iron sections or olher electronic transfer. Such liability limils do not apply when the Card is used to make an eledronic fund Iransfer.
4.	Credit line. If we approve your applicolion, we will establish o self-replenishing Line of Credit for you ond notify you of ils amount when we issue the Card. You agree not to let Ine Account balance exceed this approved Credil line. Each payment you mare on ihe Accounl will restore your Credit Line by the amount of the payment which is applied Io principal. You may request an increase in your Credit Line only by written application to us, which musi be approved by our credit committee ar loon officer. By giving you written nolice, we may reduce your Credit line from time to time or with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure to comply wilh ihis Agreemenl or our adverse revaluation of your creditworthiness. You may also terminate this Agreement of any time, bul termination by either you or us does nol affect your obligation to pay the Account balance. The Cards remain our property, and you musi recover and surrender Io us all Cards upon our request and upon terminalion of ihis Agreemenl.
5.	Credil Information. You authorize us to investigate your credil standing when opening, renewing or reviewing your Account, and you authorize us to disclose in formation regarding your Account Io credil bureaus ond olher creditors who inquire of us about your credil standing.
6.	Payments. Each month you musi pay at least ihe minimum payment shown on your statement by ihe date specified on ihe statement or no later ihan 25 days from ihe slatemenl closing date, whichever is later. If your statement says the payment is 'Now Due,* your paymenl is due no later than 25 days from the stotemenl closing dote. You may pay more frequently, pay mare than the minimum payment or pay ihe Total New Balance in full. It you moke extra or larger paymenls, you are still required to moke at least ihe minimum payment each month your Account has a balance (olher than a credil balance). The minimum paymenl is 4.00% of your Total new Balance or 520.00, whichever is greater, not to exceed your Total New Balance, plus the amount of any prior minimum paymenls that you have nol made, and any amount by which you are over your credit limit. The Credit Union also has the righl to demand immediate payment olony amounl by whkh you are over your credit limit. Sub j&cl to applicable law, your payments may be applied towhat you owe the Credit Union in any manner the Credil Union chooses. Currently, Paymenls made to your account will be applied in the following order: Fees and Finance Charges; Previously Billed Purchases; Cash Advances; New Purchases. We may accept checks marked 'payment in £11" or wilh words of similar effeci without losing any of our rights Io collect ihe full balance of your account wilh us. When a scheduled payment is late 10 days or more, ihe late fee assessed will be $25, or 535 if you have hod a lale paymenl in ihe lost six billing cycles. However, if your minimum paymenl is less ihan the late fee, then your late fee will be equal to your minimum payment amounl.
7.	Finance Charges. If you hove a zero purchase balance at the beginning of a statement cycle, you can avoid a FINANCE CHARGE on purchases billed during ihe cycle by paying the full amount of ihe New Balance af Purchase within 25 days of your statement closing date. Otherwise, purchases will be subject ta a FINANCE CHARGE from the day they are posted Io your account. Cosh advances are always subjecl Io a FINANCE CHARGE from the day ihey are posted to your account. The FINANCE CHARGE [interest) is calculated ol the periodic rate af .900% per month (ANNUAL PERCENTAGE RATE OF 10.90%), on the average doily principal balances of purchases and cosh advances in ihe Account. Separate Finance Charges for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily
balance for purchases and cash advances. Each average daily balance is determined by faking ihe beginning balance (of cash advances ond purchases) In your account each day, adding any new purchases or cash advances (whichever is applicable) ond subtracting ony paymenls or credits. The results ore ihe daily balances. The doily balances ore totaled, and divided by ihe number of days in ihe stotemenl period Io produce separate average daily principal balances for purchases and cash advances la which ihe periodic rate is then applied.
8.	Default. You will be in default if you fail to make any Minimum Payment when due. You will also be in default if (o) your ability Io repay us is materially reduced by a change in your employment, an increase tn your obligations, bankruptcy or insolvency proceedings involving you, your deolh or your failure to abide by ihis Agreemenl, (b) you break any promise you nave made to us, under this Agreemenl or ony other agreemenl you have with us, fa) any stotemenl you have made in ihis Agreemenl, in connection with this Agreemenl, or in connection with any other agreemenl you have wilh vs is nol true, or [dl we should otherwise Teel insecure in receiving paymenl of the Account bolance for whatever reason. If you are in default, we have ihe righl to demand immediate paymenl of your full Account Balance al once wilhoul notice to you. In the event of a default, you agree to pay all costs of collecting the amount you owe under ihis agreement including if the unpaid balance under this plan is greater than Three Hundred Dollars ($300.00) al ihe lime of ihe collection, reasonable altorne/s fees if the debt is referred for collection Io any attorney who is nol our employee and if suit is filed, courl cosls.
9.	Using the Card. You may use the cord issued to you to make purchases in person, and by moil, online, or telephone from merchants ond others who accept VISA cards. In addition, you may obtain cash advances from me Credit Union, from other financial institutions participating in ihe VISA program ond from outomated feller machines (ATMs), such os VISA ATM Network, which provide access to the VISA system. (Nol all ATMs provide such access.) You will need fa use your Personal Identification Number (PIN) to obtain a cash advance from on ATM. You will be charged a cosh advance fee of one percent of ihe cosh odvonce, bul not less ihon $3.00. The monthly stotemenl will identify the merchonl, electronic terminal or financiol institution al which Ironsaclionswere made, but sales, cosh advance, creditor olher slips cannot be relumed wilh the stotemenl. You will retain ihe copy of such slips furnished o! the lime of the Iransaclion In order Io verify the monthly statement. We may make a reasonable charge for photocopies of slips you requesl.
10.	Returns and Adjustments. Merchants ond olhers who honor the Cord may give credit lor returns or adjustments, ond ihey do so by sending us a credit slip which we will post to your Account. If your credits ond paymenls exceed what you owe us, we will hold and apply this credil balance against fulure purchases ond cosh advances, or if it is $1 or more, refund it on your written request or automatically ofler 6 monihs.
11.	Foreign Transactions. Purchases ond cash advances made in foreign counlries ond foreign currencies will be billed to you in U.S. Dollars. The conversion rafe ta dollars will be mode in accordance wilh ihe operating regulations lor international transactions established by VISA Internotionol, Inc.
12.	Plan Merchont Dispute. We ore nol responsible for ihe refusal of ony plan merchant or financial institution to honor your Card. We are subject la claims and defenses (olher ihan Iori claims) arising out of goods or services you purchase wilh the Cord only if you have made a good faith attempt, bul have been unable Io obtain satisfaction from ihe pion merchonl, ond; |a) your purchase was mode in response Io an advertisement we sen! or participated in sending you, or (b) your purchase cost more ihan $50 and was mode from a plan merchont in your stole or within 100 miles ol your home. Any other disputes you must resolve directly wilh the plan merchant.
13.	Security Interest. To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through use of the Card. If you default, we will have the right to recover any of these goods which have nol been paid for Inrough our applicolion of/our paymenls in ihe manner described in Paragraph 6. You pledge oil shares and/or deposits (including amounts in draft occounls) and payments and eornings thereon which you now or hereafter may have wim us, whether held joitw, individually or in trust, as security for ony and all monies advanced or purchases made by use of the Card and any interest accrued ihereon. Upon default you authorize us to take what you owe us oul of any such account (excepl Individual Retirement Accounls) you have wilh us.
14.	Effects of Agreement. This Agreement is the contact which opplies to all transactions on your Account even though ihe soles, cash advance, credil or other slips you sign or receive may contain different terms. We may amend this Agreement from time ta time by sending you ony advance written notice required by low. Any amendment Io Ihis Agreemenl will take effect on ihe day it is moiled unless advance notice is required by low. Your use of the Cord thereafter will indicate your agreement to the amendments. To ihe extent the law permits, and we indicate in our notice, amendments will apply to your existing Account balance os well as to future transactions.
15.	Enforcement. The terms ond conditions of this Agreement are governed by and construed in accordance with ihe laws of ihe Stole of Alabama and any applicable Federal law. No delay in enforcemenl of our rights under ihe Agreemenl will result in ony loss of our rights or relieve you of ony of your obligations. All claims related to ony accounl with ihe Credil Union shall be resolved by binding arbitration.
16.	Invalidity of Provisions and Captions. If any provision of ihis Agreement is deemed invalid the rest of this Agreemenl will remain in full force ond effect. The paragraph headings ore for convenience only ana do not form a port of this Agreement.
17.	Copy Received. By signing ihe attached applicolion you acknowledge receipt of a copy of this Agreemenl ond Billing Rights Stotemenl which should be torn off ihe application at ihe perforation ana kept.
VISA CREDIT CARD AGREEMENT (Keep this for your records)
This notice contains important information about your fights end oas responsibilities under tbe Fair Credit Billing Act.
WHAT TO DO If YOU HMD A MISTAKE ON YOURSIATEMEHT
If you (bint filers Is an error on yout statement, write Io us at AFCO Employees Credit Union nt P.O. Box 2288 Birmingham. Alabama 35201. In your letter, give us the following information:
1 Account Information: Your name and account number.
* Do!or amount: The dollar of the suspected error.
1 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
‘ Wilkin 60 days after the error appeared on yew statement.
1	Al bast 3 business days before on automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You mud notify us ol any potential errors in writing. You may call us. but if you do we ore not requited Io investigate ony potential etrots and you may have to pay the amount in question.
WHAT Will HAPPEN AFTER WE RECEIVE YOUR CITIES
1„ With in 30 days ol receiving your letter, we must fell you that we received your letter. We will also tell you If we have oireody corrected the error.
2	. Within VO days ol receiving your letter we must either correct the error or explain Io you why wo believe the bill is correct.
While wte investigate whether or not there has been on error:
■	We cannot try to collect the amount in question, or report you as delinquent on then amount.
■	The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
■	While you do red have to pay the amounl in question, you ore responsible lor the remainder of your balance.
■	We con apply any unpaid amount against your credit limit.
After we finish our Tnvesfigotton, one of Iwo filings will happen:
■	If we made a m isfake: You wifi not have to pay the amount in question or any i merest of other fees refoled b that amovr.l.
■	It we do net believe there was a mistake: You will have Io pay file amount in question, abng with the applicable interest and lees. We will send you a statement of the amount you owe and the dote payment is due. We may then report you os delinquent if you do not pay the amount we think you owe.
El you receive our explanation but still believe your bl I is wrong, you must write to us within 10 days telling us that you still refuse to pay. if you do so, we cannot report you os delinquent without also reporting that you ore still questioning your bill. Wb must tell you the name of anyone to whom we report you os delinquent, and we must let those orgonizaHons know when the mutter has been settled between us. Il we do not follow all ol the rules obove, you do not have la pay the first $50 ol the amount you question even if your bill is cotred.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
II you are dissatisfied with tbe goods or services that you have purchased with yotir credit card, and you have tried in good faith to correct the problem with the merchant, you may have file right no! Io pay the remaining amount due on the purchase.
To use this right, all of the following must bo true:
I.	The purchase must have been mode in your home slate or within TOO miles efi your current mailing address, and the purchase price must have been more than $50. [MOTE: Neither of these are necessary if your purchase was based on an advertisement we mailed fa you, or If we awn the company that sold jpu ihe goods or service s.)
2.	You must have used your credit cord for the purchase. Purchases made with cosh advances from on ATM or with a check that access your credit cord account do nol qualify.
3.	You must not yet have folly paid for the purchase.
If all of the criteria above ore met and you ore still dissatisfied with the purchase, contact us in writing of: APCO Employees Credit Union at P.O, Box 2288 Birmingham, Alabama 35201, While we Investigate, the same rules apply fa file disputed amount as discussed above. After we linisli our invesligolioo, we will tell you our decision. Al that point, if we ihink you owe on amours! and you do not pay, we may report you as delinquent.
DISCLOSURE OF FEES
ANNUAL PERCENTAGE RATE (APR) for purchases	10.9% Your APR will not vary in relation io on index. However, all terms of your Visa Cord Agreement are subject to change with 45 days prior notice.
APR for Balance Transfers	10.9% Your APR will no! vary in relation to on index. However, all terms of your Visa Card Agreement are subject Io change with 45 days prior notice.
APR for Cash Advances	10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
How To Avoid Paying Interest on Purchases	You can ovoid interest on purchases billed during the cycle by paying the full amount of the new balance of purchases within 25 cloys of your statement closing dote.
Minimum Payment	4% of your total new balance or $20.00, whichever is greater.
For Credit Card Tips From The Consumer Financial Protection Bureau	To leorn more about factors Io consider when applying for or using a credit cord, visit the website of the Consumer Financial Protection Bureau at http://wvAv.consumerfinance.gov/leammore
Fees
AnnualFe©	None
Transaction Fees • Cosh Advances • Balance Transfers ® Foreign Transactions	1% of amount of cash advance but not less than $3.
	NONE
	1%
Penalty Fess •	Late Payment •	Over the Limit	Up to $35
	NONE
Other Fees e Statement Replacement ® Visa Draft Replacement 0 Return Payment	$10
	$10
	$15
How We Will Calculate Your Balance. We use a method called the average daily balance, including new purchases.
Cash Back - 1% of all purchases. No cash back for closed or delinquent accounts.
Information about consumers' right to dispute transactions is included in account opening disclosures.
All terms of your Credit Card Agreement are subject to change with 45 days prior notice. The information about the costs of the card described in this application is accurate as of January 1, 2014. This information may have changed after that date. To find out what may have changed, write to us at APCO EMPLOYEES CREDIT UNION, 750 17TH STREET NORTH, BIRMINGHAM, ALABAMA 35203 or call (205) 226-6800.
« Only 10.9 annual percentage rate
•	1 % Cash Back
•	No annual fee
® 25-day grace period on new purchases (it's like getting a free loan when you pay your purchases balance in full by the statement due date)
by moving their balances over to your low interest Power Card today. Helping you save money is what your Credit Union is here for — now you have the power to do it with our 10.9 percent APR VISA Power Card. Get rid of high balances the easy way.
Don't miss this chance to increase your purchasing power. Simply complete this application and return it to APCO Employees Credit Union.
IT'S POWERFUL!
Credit cards are everywhere these days and most sound like a great deal — but nothing compares to the Power Card from APCO Employees Credit Union. Our VISA card, like all of our other services, is designed to save you money. It does everything you need a credit card to do without high interest rates.
Only one card gives you the kind of power you can use worldwide — the APCO Employees Credit Union Power Card. You can use it with confidence while traveling, dining or shopping. Our VISA card puts you in a potverful position.
APCO Employees Credit Union 750 17th Street North Birmingham, AL 35203 (205) 226-6800