STUDENT MASTERCARD APPLICATION
COMMUNITY
Visit uiccu.org for a complete list of card benefits.
CREDIT UNION
Platinum
With a credit line of just $500, our Student MasterCard allows you to build
4432 6428 5012
568
credit without building a pile of debt.
03/18
KARI CARDHOLDER
MasterCard
APPLICANT INFORMATION (Please print clearly. All information is required.)
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
Phone Number
Email Address
UICCU Member Number
City, State
Zip
Name of college or university at which you are enrolled
$
Employer
How Long at Employer
Hourly Wage
Hours per Week
Name:
Address:
Telephone Number
REQUIRED: Please list the information of the nearest relative not living with you.
Name:
Address:
Telephone Number
REQUIRED: Please list the information of a second relative not living with you.
OTHER APPLICANT INFORMATION (if applicable)
Name
(no plastic will be issued unless requested)
Date of Birth
Social Security #
Mother's Maiden Name
Street Address
How Long at Address
Home Phone
Email Address
Do You
Own
Rent
City
State
ZIP
Cell Phone
Payment $
$
Employer
How Long at Employer
Work Phone
Gross Annual Income
Interest Rate and Interest Charges
APR for Purchases,
15.99%
Balance Transfers and
Cash Advances
Non-Variable Rate
If the New Balance shown on the statement is paid in full by the Payment Due Date shown on this statement, no interest charge will be imposed on Current
How to Avoid Paying
Cycle Purchases (which are the purchases itemized on this statement). Each cash advance under your account will be subject to an interest charge
Interest on Purchases
beginning on the date the advance is posted to your account. Interest charges will continue to accrue on your account until the entire outstanding balance is
paid in full.
Minimum Finance Charge
None
Fees
Annual Fee
None
Transaction Fees
Balance Transfer
None (for non-UICCU balances only)
Cash Advance
3% or $5 whichever is greater.
Foreign Transaction
1% of each transaction in U.S. dollars
Penalty Fees
Late Payment
Up to $15
Over-the-Credit Limit
None
Returned Check Fee
Up to $25
Other Fees & Charges
Card Replacement Fee (for any reason): $10.00
For Credit Card Tips from
the Consumer Financial
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
Protection Bureau
at www.consumerfinance.gov/learnmore
How We Will Calculate Your Interest: We figure the interest charge on your account by applying the periodic rate, as stated in your Account Opening Disclosures to the
"average daily balance" of your account. To get the "average daily balance" we take the beginning balance of your account each day, add any new purchases/advances/fees,
and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing
cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."
Minimum Payment: The minimum monthly payment is 2% of the new balance, but at least $25.00 or the new balance if less than $25.00. 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.
This information is accurate as of 8/15/2013.
SIGNATURE(S)
1. You promise that everything you have stated in this application is correct to the
union may have what is known as a statutory lien on all individual and joint
best of your knowledge and that the above information is a complete listing of what
accounts that you have with us. A statutory lien means we have the right under
you owe. If there are any important changes you will notify us in writing
federal law and many state laws to claim an interest in your accounts. We can
immediately. You authorize the UICCU to obtain credit reports in connection with
enforce a statutory lien against your shares and dividends, and if any, interest
this application for credit and for any update, increase, renewal, extension or
and deposits, in all individual and joint accounts you have with us to satisfy any
collection of the credit received. You understand that the UICCU will rely on the
outstanding financial obligation that is due and payable to us. We may exercise
information in this application and your credit report to make its decision. If you
our right to enforce this lien without further notice to you, to the extent permitted
request, the UICCU will tell you the name and address of any credit bureau from
by law. The statutory lien will allow us to apply the funds in your account(s) to
which it received a credit report on you. It is a federal crime to willfully and
what you owe when you are in default. The statutory lien does not apply to any
deliberately provide incomplete or incorrect information on loan applications made to
Individual Retirement Account or any other account that would lose special tax
federal credit unions or state chartered credit unions insured by the NCUA.
treatment under state or federal law if given as security.
2. You pledge as security all share and dividends and, if any, all deposits and interest
3. You understand that the use of your card will constitute acknowledgement of
in all joint and individual accounts you have with us now and in the future. Your
receipt and agreement to the terms of the credit card agreement and disclosures.
pledged shares may be withdrawn by you unless you are in default. The credit
MasterCard may not be used for any illegal transactions.
Applicant Signature
Date
Other Applicant Signature
Date
FOR UICCU USE ONLY
Approval Checklist
he member is currently enrolled at a 2 or 4 year college or university(vocational or technical schools do not qualify)
2 references above and all information is complete
Member has a checking account with the UICCU
One of the following is complete if Student only on application (please indicate which item)
he member has no credit score or
he member credit score exceeds 640
Member has one of the following if Student and a co-applicant are on application (please indicate which item)
Co-Applicant credit score exceeds 640 or
Properly approved exception to score requirement obtained and noted in SAIL
Member
has
employment
income
and
D/I
Ratio is <45% not including housing expenses or student loans (either as income or obligations)
or Co-applicant present and combined D/I Ratio is <45%
Loan is complete, properly approved, and funded in SAIL
Approved
Employee Number
Date
Denied
Employee Signature