VISA Credit Card Application

Yes, I’d like to apply for a Directions VISA Card. 
I am applying for the following:      VISA       VISA Rewards

My Member Number:
    Not a Member Yet

IMPORTANT:  In order to process your application in a timely manner, please complete all application fields to the best of your knowledge.
Please type, print, and sign application. You can Mail or Drop off your completed application at one of our branch locations.     

First Name                                                     Middle Initial                     Last Name                                                                     Marital Status

Social Security No.                                                 Date of Birth                                        Home Phone No.                                     Cell Phone No.          

Home Address 

                                                        City                                          State                    Zip Code                         How Long?

   Own       Rent       Other      Monthly Rent/Mortgage  $                                     Landlord or Mortgage Co.

Employer Business                                                                        Phone No.                                  Date Hired                              Gross Monthly Income* 

Co-Applicant First Name                                                                         Middle Initial                       Last Name

Social Security No.                                                                    Date of Birth                                                                  Home Phone No.

Home Address                                                                                          City                                                         State                                      Zip Code

Employer Business                                                                        Phone No.                                  Date Hired                              Gross Monthly Income* 
*Alimony, child support, or separate maintenance income need not be revealed if you do not wish to rely on it.

Are any of your debts past due?         Yes        No
Have you or co-applicant ever filed bankruptcy?         Yes        No 
Have you ever had any personal or real property repossessed?         Yes        No 
Have you ever had a legal judgement involving a credit recorded against you?        Yes        No
How many VISA cards would you like to have?                   Credit Limit Desired

(Attach  
 explanation)

(Attach  
 explanation)

Balance Transfer (Optional)
Please transfer the balances listed below to my new Directions VISA card account. Checks will be issued directly to the creditors. Please enclose current 
payment stub(s) and return envelope(s). Directions CU is not responsible for payments which are late or lost in the mail. There may be outstanding charges on 
the account and this advance may not pay off the total balances due. Payoffs will be processed as cash advances.  All cash advance rules apply.

Credit Disclosure

Annual Percentage Rate for Purchases and Cash:

9.99%* to 17.24%*
VISA 
Rewards VISA**  11.99%* to 19.24%*

Name of Account/Credit Card

Name of Account/Credit Card

Account Number

Amount To Be Paid

Account Number

Amount To Be Paid

I / we  cer t if y  t hat  t he  above  informat ion  is  true.  I / we  au t horize  inves t igat ion  and  verif icat ion  of  my / our  credi t ,  employ men t 
and  income  references  to  determine  my / our  eligibilit y  for  the  credit  card  account  and  renewal  or  future  ex tension  of  credit .  
If an account is opened, I/we authorize you to report your credit experience with me/us. The undersigned jointly and severally agree to be responsible for all 
charges, cash advances, and other fee and terms and conditions on the VISA account, which will be mailed to me upon approval. I/we further pledge all credit 
union shares and deposits where the credit union may enforce a lien by taking a setoff against all such present and future shares in my/our name to the extent 
of that portion of the loan balance which may be in default, whether by acceleration or otherwise. I/we understand and agree that if my/our loans become 
delinquent or past due, my/our VISA credit card may be revoked or my/our credit line reduced. I/we understand that the credit limit may be increased or the 
terms of payments extended or modified, from time to time whether or not upon my/our express request without notice to me/us or any other signer, and that 
I/we shall nonetheless be responsible for the repayment of all charges incurred upon this account. This includes charges or extensions of credit, unless we 
specifically request otherwise in writing. The credit union will retain this application whether or not it is approved.

X

Signature of Borrower 

X

Signature of Co-Borrower 

Date

Date

NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and 
that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance 
with this law.

FOR OFFICE USE ONLY

 q Approved    q Denied          Credit Limit   $                                   Date                                  By

Conditions, if any

Reason(s) for denial

Grace Period For 
Purchases: 

There is a 25 day grace period, 
calculated from the statement  
closing date to the payment due  
date, in which you can pay the  
New Purchase Balance and any  
unpaid finance charges on Cash 
Advances shown on the statement 
to avoid a finance charge.

Method of Computing  Average Daily Balance Method 
Balance For Purchases:  (including current transactions) 

Annual Fee: 

None

Late Payment: 

Minimum Late Payment Fee – 
$25.00 (10 days after payment 
due date)

  * Rate will be based on your credit history. Returned checks are subject to $25.00 per item fee.  

 Call Directions for more details. Credit disclosure is accurate as of 2/22/10 and is subject to change.
 ** ScoreCard™ Bonus Points are earned for every dollar spent when using your Directions VISA Card.   
 These Points can be accumulated and redeemed for great gifts, travel rewards, hotel discounts  
 and much more!  For a free ScoreCard ™ Rewards catalog, please visit scorecardrewards.com.