CREDIT CARD APPLICATION 
   Visit uiccu.org for a complete list of card benefits.  
 

Which card type are you applying for (please choose one)?  . Black & Gold MasterCard- $1,000 minimum credit line 
    Black & Gold MasterCard offers one of the lowest rates nationwide. Currently members can enjoy a variable rate as low as 6.0% APR.  
. Platinum MasterCard- $1,000 minimum credit line 

      Our Platinum MasterCard features non-variable rates starting as low as 9.9% APR.  It also features an introductory rate as low as 0% 
      APR and no balance transfer fees.  It�s an excellent choice for members who are transferring a balance and want a non-variable rate.  
. Platinum Rewards MasterCard- $5,000 minimum credit line 

     Earn points each time you use our Platinum Rewards MasterCard.  You can redeem those points for cash, travel, merchandise, event 
     tickets and much more. You�ll earn at least one point for each dollar of purchase, or considerably more if shopping with a merchant on 
     our Rewards Plus list. And don�t forget the 1,000 bonus points you get with your first purchase. Visit 
    www.selectyourrewards.com/UICCU and select �browse only� for details. 

 . World MasterCard - $10,000 minimum credit line / $100,000 or greater minimum annual income required to apply      This card also offers reward points that you can redeem for cash, travel, merchandise, event tickets and much more. It offers a low fixed         rate and world class benefits including Travel Assistance, Concierge Services, Luxury Hotel benefits, and Global Service.                                                                                                    
Credit line requested $____________________ (If greater than the minimum listed above.) 
  
Applicant information (Please print clearly. All information is required to process.) 
Are you a citizen or permanent resident of the United States?   .Yes .No 
_____________________________________________ ____________________ ____________________ ____________________  
Name (as you wish it to appear on the card)  Date of Birth  Social Security #  Mother�s Maiden Name 
 
_____________________________________________         ____________________             ____________________         ____________________ 
Street Address     How Long at Address  Home Phone  UICCU Member Number 
 
_________________________________________________________________________ ____________________ ____________________  
City   State   ZIP   Cell Phone  Email Address 
 
____________________________________________ ____________________ ____________________ Do You   Own   Rent 
Employer      Date Employed  Work Phone  Payment $___________ 
 
$___________________   $______________________ 
Gross Annual Income Other Gross Annual Income (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 the obligation). 
 
Name:___________________________________________City/State:________________________________________Phone Number________________ 
 
Name:___________________________________________City/State:________________________________________Phone Number________________ 
REQUIRED:  Please list the information of the nearest relatives not living with you. 
 
Co-applicant information (Please print clearly.) 
 
_____________________________________________ ____________________ ____________________ ____________________  
Name (as you wish it to appear on the card)  Date of Birth  Social Security #  Mother�s Maiden Name 
 
_____________________________________________         ____________________             ____________________         ____________________ 
Street Address     How Long at Address  Home Phone  UICCU Member Number 
 
____________________________________________________________________  ____________________ ____________________  
City   State   ZIP   Cell Phone  Email Address 
 
____________________________________________ ____________________ ____________________ Do You   Own   Rent 
Employer      Date Employed  Work Phone  Payment $___________ 
 
$___________________   $______________________ 
Gross Annual Income Other Gross Annual Income (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 the obligation). 
Card Type 
 World & Platinum Rewards  
 Platinum  
 Black & Gold 
 
Interest Rates and Interest Charges 
 
Introductory Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances 
 N/A 
 A fixed Introductory rate of 0%-11.9%* shall apply for the first six months.  Thereafter, the APR for all outstanding indebtedness and new balances relating to purchase transactions shall be at the rate listed below. 
 N/A 
 
APR for purchases, Balance Transfers and Cash Advances 
 11.9 � 18.9%* 
Non- Variable Rate 
*Your APR is dependent on your Credit Worthiness 
 
 9.9 � 16.9%* 
Non- Variable Rate 
*Your APR is dependent on your Credit Worthiness  
 
 6.0 � 15.0%* 
Variable Rate 
*Your APR is dependent on your Credit Worthiness and will vary based on the Prime Rate**. 
 
 
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.  We will begin charging interest on cash advances and balance transfers on the transaction date. 
 
Minimum Finance Charge 
 None 
 None 
 If you are charged interest, the charge will be no less than $1.00 
 
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 Protection Bureau at www.consumerfinance.gov/learnmore. 
 
Fees 
 
Annual Fee 
 None 
 None 
 None 
 
Transaction Fees 
1. Internal Balance Transfer Fees 

2. External Balance Transfers Fees 

3. Convenience Check Fees 

4. Cash Advance Fees 

5. Foreign Transaction Fees 


  
 
1. None 

2. None 

3. None 

4. Either $5, or 3% of the amount of each cash advance, whichever is greater 

5. 1% of each foreign transaction in U.S. dollars 


 
  
 
1. None 

2. None 

3. None 

4. Either $5, or 3% of the amount of each cash advance, whichever is greater 

5. 1% of each foreign transaction in U.S. dollars 


 
  
1. Either $5, or 3% of the amount of each transfer, whichever is greater 

2. None 

3. Either $5, or 3% of the amount of each check, whichever is greater 

4. Either $5, or 3% of the amount of each cash advance, whichever is greater 

5. 1% of each foreign transaction in U.S. dollars 


 
 
Penalty Fees 
� Late Payment Fee 

� Over-the-Credit Limit Fee 

� Returned Check Fee 


 � Up to $15 

� None 

� Up to $25 


 � Up to $15 

� None 

� Up to $25 


 � Up to $15 

� None 

� Up to $25 


 
Other Fees & Charges 
 Card Replacement Fee (for any reason): $10.00 
 

� How We Will Calculate Your Interest:  We use a method called �average daily balance (including new purchases).�  See your cardholder agreement for more details. 

� Payments:  The minimum monthly payment is 2% of the new balance, or $25.00, whichever is greater.  If the unpaid interest and fees on the account are greater than the minimum monthly payment, the minimum monthly payment will become that amount.  Any amount that is past due or prior minimum payments that were not made will also be added to the minimum monthly payment amount. 

� Loss of Introductory APR: You will lose your Introductory APR if your account becomes delinquent or over the limit. 

� **Variable-rate Features:  The rate applicable to your account if the Black and Gold MasterCard is chosen will vary with the market based on the Prime Rate and may increase if the Prime Rate increases.  We add 2.75%, 4.75%, 7.75% or 11.75% to the Prime Rate to determine the account APR based on credit worthiness. 


The variable rate is adjusted at the beginning of each billing cycle as applicable; the rate adjustment is based on the prime rate published in the Wall Street Journal on the 10th of each month.  Adjustments will take effect on the second statement cycle after new prime rate is published (approximately 30-35 days).  Based on the minimum payment calculation, an increase in the Prime Rate may result in additional payments on the account or an increase in your scheduled minimum periodic payment amount.  The current Prime Rate plus the margin is the rate reflected in your Account Opening Disclosure. 
 SIGNATURE(S)  
 
1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the UICCU to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension or collection of the credit received. You understand that the UICCU will rely on the information in this application and your credit report to make its decision. If you request, the UICCU will tell you the name and address of any credit  
 bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by the NCUA.  
2. You understand that the use of your card will constitute acknowledgement of receipt and agreement to the terms of the credit card agreement and disclosures. MasterCard may not be used for any illegal transactions. 
 
.___________________              .____________________ 
     Applicant Signature                             Date                                  Other Applicant Signature                     Date 
 
FOR UICCU USE ONLY 
 
Average Beacon  _________ 
 
 Line-of-Credit amount approved $_____________ 
 Is this card replacing an existing UICCU Credit Card? Y/N 
 
 
Originated by Employee Number: _____________________                    Approved by Employee Number:  _____________________ 
 

 
 

� This information is accurate as of 8/15/2013.