VISA® PLATINUM

GOOD THRU
LAST DAY OF

•	Non-variable	(fixed)	APR
•	No	annual	fees
•	No	minimum	finance	charge

•	No	balance	transfer	fees
•	FREE	online	credit	card	statements
•	25-Day	grace	period

Interest Rate and Interest Charges

Annual 
Percentage
Rate (APR)
for Purchases,  Cash 
Advance, and for 
Balance Transfers

Paying Interest

VISA Platinum 9.95% to 16.95%
when you open your account, based on your creditworthiness
VISA Platinum with Rewards 9.95% to 17.95%
when you open your account, based on your creditworthiness

Your due date is at least 25 days after the close of each billing cycle. We do not 
charge you interest on purchases if you pay your entire balance by the due date 
each month. We will begin charging interest on cash advances and balance 
transfers on the transaction date.

For Credit Card Tips 
from the Federal
Reserve Board

To learn more about factors to consider when applying for or using a credit card, 
visit the Web site of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

Fees
Set-up and Maintenance Fees
Replacement Card Fee
Reinstatement Fee 
Rush Delivery Fee 

Transaction Fees
Foreign Transaction Fee 

Penalty Fees
Late Payment Fee
Over-the-Credit-Limit Fee 

Returned Payment Fee 

$10.00 per card
$25.00 to reopen account if closed by delinquency
$15.50 per request

1.00% of each transaction in U.S. dollars

$25.00 if you are 5 or more days late
$25.00 if new balance less any fees is more than $1.00 over your credit 
limit (if applicable)
$25.00 per returned item

Other Fees
Statement Copy Fee

$5.00 per copy

How We Calculate Your Balance. We use a method called “average daily balance 
(including new purchases).” See your account agreement for more details.

VISA® CREDIT CARD APPLICATION

APPLICANT

LAST NAME  

FIRST NAME  

PLEASE SELECT ONE: 
 REWARD POINT CARD         NON-REWARD POINT CARD

CREDIT LINE REQUESTED $ 

  INCREASE

 MI  

SELECT ONE:   INDIVIDUAL   JOINT

DATE OF BIRTH  

 SOCIAL SECURITY #  

STREET ADDRESS  

CITY _________________________________STATE ______ ZIP  

HOME PHONE _______________________# OF DEPENDENTS  

MOTHER’S MAIDEN NAME   
 RENT      OWN   MONTHLY HOUSING PAYMENT  

NO. OF YEARS AT PRESENT ADDRESS  

PREVIOUS ADDRESS IF LESS THAN TWO YEARS AT PRESENT ADDRESS

STREET ADDRESS  

CITY  

OCCUPATION  

PRESENT EMPLOYER  

 STATE ______ ZIP  

NO. OF YEARS  

        WORK PHONE  

 EXT  

GROSS MONTHLY INCOME  

OTHER MONTHLY INCOME  

SELECT ONE:   VISA     STUDENT VISA     NAME CHANGE

If you would like us to authorize transactions that go over your credit limit, 
you can request Over-the-Credit-Limit coverage. Otherwise, transactions 
that exceed your limit will be declined. 

If you have Over-the-Credit-Limit coverage and you go over your limit, your 
account will be charged a $25.00 fee. This fee is applied if the credit limit 
is exceeded at any time during the statement period, even if the balance is 
reduced before the close of the statement period. Even if you request Over-
the-Credit-Limit coverage, in some cases we may still decline transactions 
that cause you to go over your credit limit, such as if you are past due or 
significantly over your credit limit.

 PLEASE CHECK THE BOX IF YOU WANT OVER-THE-CREDIT-LIMIT 
COVERAGE AND TO ALLOW US TO AUTHORIZE TRANSACTIONS THAT 
GO OVER YOUR CREDIT LIMIT. 

 Please be sure to include a copy of two recent paychecks or other 
proof of income.  

APPLICANT SIGNATURE  
Right of Off-set: I give you security interest in all funds now or hereafter to my share and share-draft accounts 
associated with numbers (please indicate share and share draft numbers below) and I authorize you to apply any or 
all such funds to the payment of any amount in the default on this account.

            DATE  

SHARE/SHARE DRAFT ACCOUNT NUMBERS    

And	other	added	benefits	and	
enhancements:

LAST NAME  

FIRST NAME  

CO-APPLICANT

•	 Identity	theft	protection	through	Verified	by	

VISA®	

 MI  

•	 Online	access	to	statement	details	through	

DATE OF BIRTH  

 SOCIAL SECURITY #  

STREET ADDRESS  

CITY _________________________________STATE ______ ZIP  

HOME PHONE _______________________# OF DEPENDENTS  

OCCUPATION  

PRESENT EMPLOYER  

NO. OF YEARS  

        WORK PHONE  

 EXT  

GROSS MONTHLY INCOME  

OTHER MONTHLY INCOME  

APPLICANT SIGNATURE  
Right of Off-set: I give you security interest in all funds now or hereafter to my share and share-draft accounts as-
sociated with numbers (please indicate share and share draft numbers below) and I authorize you to apply any or all 
such funds to the payment of any amount in the default on this account.

            DATE  

SHARE/SHARE DRAFT ACCOUNT NUMBERS    

I/we hereby certify that all statements made on this application which shall remain the property of Nutmeg State Financial Credit Union are true and 
complete, that no unfavorable information known to me or called for herein has been omitted and that these statements are made for the purpose of 
obtaining credit and a VISA credit Card. I/we authorize Nutmeg State Financial Credit Union to investigate my/our credit worthiness, credit history and 
financial responsibility through any credit bureau, including direct contact with past and present creditors and employers for the purpose of approving 
this application and in connection with the renewal of continuation of the credit account for which I/we are applying. I/we authorize all my creditors 
and employers to release information to Nutmeg State Financial Credit Union upon request and also authorize the credit union to release information 
concerning the credit union experience with me/us upon this request. I/we understand that this VISA Credit Card is covered with Credit Life or Disability 
Insurance and the balance is payable upon death, not to exceed $30,000 of combined VISA and LOAN liability. I/we have read the terms and conditions 
of the VISA Credit Card Agreement, and my/our use of the VISA Credit Card will constitute acceptance of the terms and conditions contained in the 
Agreement.

APPROVED BY:                                

            CREDIT LIMIT:  

            DATE:   

FOR OFFICE USE ONLY

e-Banking

•	 FREE	extended	warranty	service	
•	 Travel	and	emergency	assistance	services	
•	 Auto	rental	collision	damage	reimbursement	
•	 Dispute	resolution	help	

	Transfer	Balances	for	
Long-term	Savings!

Check	the	interest	rates	on	your	other	credit	
cards	and	loans.	We	can	help	you	transfer	
these	balances	over	to	a	new	NSFCU	VISA®	
Platinum	credit	card.	

Call,	visit	a	branch	or	go	online	for	more	
information.	www.nutmegstatefcu.org.