02/23/15 

021-0520-4  Financial Plus CU 

6603 

AXE102_IXXG00_MI_w No INSURANCE 

1-287EO500

SHELL 9 

Kay  Custom Application Non-Promotional

Credit Card Application (Continued)

State Law Notices

OHIO  RESIDENTS  ONLY:  The  Ohio  laws  against 

adversely affect the rights of the Credit Union unless the Credit Union is furnished a 

discrimination  require  that  all  creditors  make  credit 

copy of the agreement, statement or decree, or has actual knowledge of its terms, 

equally available to all creditworthy customers, and that 

before the credit is granted or the account is opened. (2) Please sign if you are not 

credit reporting agencies maintain separate credit histories on each individual upon 

applying for this account or loan with your spouse. The credit being applied for, if 

request. The Ohio Civil Rights Commission administers com pliance with this law.

granted, will be incurred in the interest of the marriage or family of the undersigned.

WISCONSIN RESIDENTS ONLY:  (1) No provision of any marital property agreement, 

unilateral statement under Section 766.59, or court decree under Section 766.70 will 

X

SIGNATURE FOR WISCONSIN RESIDENTS ONLY 

DATE

Signatures

1. You promise that everything you have stated in this application is correct to

2. You understand that the use of your card will constitute acknowledgment

the best of your knowledge. If there are any important changes you will notify us

of  receipt  and  agreement  to  the  terms  of  the  credit  card  agreement  and

in writing immediately. You authorize the Credit Union to obtain credit reports in

disclosures.  You  grant  us  a  security  interest  in  all  individual  and  joint  share

connection with this application for credit and for any update, increase, renewal,

and/or deposit accounts you have with us now and in the future to secure your

extension,  or  collection  of  the  credit  received.  You  understand  that  the  Credit

credit  card  account.  When  you  are  in  default,  you  authorize  us  to  apply  the

Union will rely on the information in this application and your credit report to make 

balance  in  these  accounts  to  any  amounts  due.  Shares  and  deposits  in  an

its decision. If you request, the Credit Union will tell you the name and address

Individual Retirement Account, and any other account that would lose special

of any credit bureau from which it received a credit report on you. It is a crime

tax treatment under state or federal law if given as security, are not subject to

to  willfully  and  deliberately  provide  incomplete  or  incorrect  information  in  this

the security interest you have given in your shares and deposits.

application.

X

APPLICANT’S SIGNATURE

DATE

OTHER SIGNATURE

DATE

Credit Card Plan Payment Authorization (optional)

The undersigned member(s) hereby authorize(s) Financial Plus Credit Union to deduct funds from my account number ___________________________________ 

to make payments on my Financial Plus Visa Credit Card open-end loan agreement, subject to the following terms and conditions.

1.

 Credit Union will deduct the appropriate payment amount each month on the scheduled due date, as I/we have chosen below, from the share account which

I/we have designated above.

2.

If  the  monthly  payment  amount  is  not  available  in  the  account  which  I/we  have  designated, I/we authorize  the  Credit  Union  to  transfer  the  monthly  payment

amount from other share accounts which I/we hold in the Credit Union, except for my IRA account(s). This deduction may be made after the regularly scheduled

payment due date. The Credit Union will notify me by phone or mail about such other deductions within two business days.

3. Deductions from my/our account(s) may be made by electronic fund transfer.

4. This authorization may be revoked at any time or for any reason by giving notice of such revocation orally or in writing to the Credit Union.

5.

 The Credit Union will stop the automatic transfer of amounts in dispute if I/we notify the Credit Union no more than 60 days after the suspected billing error first

appeared on the monthly billing statement, and if I/we notify the Credit Union no less than three business days prior to the next scheduled payment transfer date.

I/We select the following optional method of payment:

(cid:31) Minimum Payment Amount (3½% of New Balance)

(cid:31) Payment in Full (New Balance shown on monthly statement)

(cid:31) Fixed Payment Amount (Set amount paid each month, which is equal to or exceeds 3½% of the credit limit)

(cid:31) Cash (No signature required)

X

FOR

CREDIT UNION 

USE ONLY

MEMBER’S SIGNATURE

DATE

CO-APPLICANT’S SIGNATURE

DATE

 APPROVED 

NO. OF CARDS _____  CREDIT LIMIT $_______________________  DATE  _____________________________________________________________________

 DECLINED 

LOAN OFFICER SIGNATURE  ___________________________________________________________________________________________________________

X

X

s
d
r
o
c
e
R
r
u
o
Y
r
o
f

e
r
u
s
o
l
c
s
i
D
n
i
a
t
e
R
d
n
a

h
c
a
t
e
D



APPLY 

TODAY!*

*See application for disclosures.

Application and Solicitation Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

7.50%,  10.50%,  or  14.50%  when  you  open  your  account,  based  on  your 
creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

APR for Cash Advances

10.50%, 14.50%, or 18.00% when you open your account, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.

10.50%, 14.50%, or 18.00% when you open your account, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

18.00%

This APR may be applied to your account if you:

- Make a late payment
- Make a payment that is returned

How Long Will the Penalty APR Apply? If your APRs are increased for these reasons, the Penalty APR 
will apply until you make six consecutive minimum payments when due.

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. 

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 http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

3.00% of each transaction in U.S. dollars

Up to $27.00 
Up to $27.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment 
that is returned. If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

Effective Date: 
The information about the costs of the card described in this application is accurate as of April 1, 2016. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee 

Returned Payment Fee 
Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Recurring ACH Set-Up Fee 

 Up to $27.00 or the amount of the required minimum payment, whichever is less, if your payment has not 
been received by the third calendar day of the month following the date your payment is due.
$27.00 or the amount of the required minimum payment, whichever is less.
$5.00
$85.00
$5.00
$9.95
$6.00

AXE102c_021-0520-4_1-287EO500_NP_022315.indd   1

3/6/2015   2:43:36 PM