Banking at www.dupaco.com. 
through the “eNotifiers” tab on Shine Online 
by e-mail by registering for e-mail statements 
[A] Yes. You can receive your VISA statements 
statement by e-mail?
Can I receive my VISA 

VISA network symbol.
withdrawals at ATMs worldwide which display the 
(PIN), which will allow you to make cash 
to request your own Personal Identification Number 
with your purchases. You may also contact Dupaco 
advances show up on your monthly statement along 
There’s no special arrangement to repay. Cash 
maximum of $15), and finance charges do apply. 
only 1.5% of the amount requested ($3 minimum to a 
about anywhere you need it. The fee for advances is 
VISA credit card permits you to get ready cash—just 
[A] Yes. In addition to charging purchases, your 
Can I get cash advances?

activity, make a payment, and view payment history.
information, view current and historical transaction 
history, view current balance and payment 
at www.dupaco.com. Here you can view statement 
information on Dupaco’s Shine Online Banking site 
[A] Yes. You can view your VISA account 
information online?
Can I access my VISA account 

statement closing date.
interest-free grace period on purchases from 
even further, your Dupaco VISA features a 25-day 
[A] Yes. To help you cut your credit card cost 
Is there a grace period?

pay are any interest charges you accrue. That’s it!
Dupaco. There’s NO annual fee whatsoever. All you 
credit card fees as high as $30 or more. But not at 
[A] No. Some financial institutions charge annual 
Is there an annual fee?

your rate as a reward for your progress.
time, you may have the opportunity to further reduce 
the lower the rate. And as your score improves over 
score at the time of application. The higher your score, 
quarter, plus an index which is based on your credit 
Journal on the last business day of each calendar 
will be the Prime Rate as quoted in The Wall Street 
lowest possible rate based on credit. Your interest rate 
[A] Our VISA Platinum is designed to offer the 
What is the interest rate?

VISA® Platinum

A n s w e r s   t o   Y o u r   Q u e s t i o n s

4/12 - 4M

www.dupaco.com
at (563) 557-7600, ext. 202, or 800-373-7600, ext. 202.
of the points covered in this brochure, contact our Loan Department  
If you have other questions or would like additional information on any  

online at www.dupaco.com for instant approval.
Loan Line at 557-7600 / 800-373-7600, or apply 
enclosed postage-paid application, call our 24-Hour 
Platinum credit card from Dupaco right now. Use the 
in half. Throw it away. And apply for a new VISA 
and annual fees. So here’s some advice: Cut your card 
when you have to worry about high finance charges 
It’s hard to enjoy the convenience of your credit card 

with a Dupaco VISA Platinum
Cut Your Credit Card Costs 

www.dupaco.com to register your card. 
viding additional security when shopping online. Visit 
sions apply. Verified By VISA is also available, pro-
and Travel and Emergency Assistance. Policy provi-
Insurance Coverage, Warranty Manager Service, 
Rental Insurance, $500,000 Travel Accident Life 
vice benefits at no extra cost, including: Auto 
[A] Yes. Our VISA Platinum card features ser-
card benefits?
Are there other  

Is the Dupaco VISA accepted  
throughout the world?
[A] Yes. The VISA credit card is highly recognized 
and accepted at most every retail or department store, 
airline, hotel and motel…throughout the United States 
and all over the world! And if you should ever have 
questions or problems, you’ll be dealing locally with 
your credit union—someone you know and trust.

Can I choose my card design?
[A] Yes. Dupaco now offers Visa Photo Cards. 
Once you obtain your Dupaco Visa, you can proceed 
with customizing the card  at www.dupaco.com/
visaphotocard  where you can apply one of your 
pictures or choose from our library.

Can I transfer balances from 
other cards?
[A] Yes. Take full advantage of the low interest 
rate on your Dupaco VISA. Transfer the balances from 
your other higher interest rate credit cards (including 
bank, gas, department store, etc.) and save on finance 
charges. It’s simple and there are no cash advance fees 
whatsoever. Contact our Loan Department for details.

How can I make payments?
[A] You can make payments over-the-counter 
at any Dupaco location, by mail, through payroll 
deduction, through automatic payments from the 
financial institution of your choice, or on Dupaco’s 
Shine Online Banking site at www.dupaco.com.

Visa® PLatinum aPPLiCation and soLiCitation disCLosure

in t e r e s t   ra t e s   a n d   in t e r e s t   C h a r g e s

Fe e s

Annual Percentage   5.99% Introductory APR, for qualified members, for 182 days from the 
rate (APr) for 
Purchases 

issuance of the card. When the discounted period expires, the APR on
existing balances will increase to the new non-discount rate on the first 
day of the billing cycle.
After the introductory period your APR will be 9.00%. This APR will vary
with the market based on the Prime Rate.
9.00% to 16.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate.

APr For cash  
Advances 

APr For Balance  
transfers 

5.99% Introductory APR, for qualified members, for 182 days from the 
issuance of the card. When the discounted period expires, the APR on
existing balances will increase to the new non-discount rate on the first 
day of the billing cycle.

After the introductory period your APR will be 9.00%. This APR will vary
with the market based on the Prime Rate.

9.00% to 16.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate.

5.99% Introductory APR, for qualified members, for 182 days from the 
issuance of the card. When the discounted period expires, the APR on
existing balances will increase to the new non-discount rate on the first 
day of the billing cycle.

After the introductory period your APR will be 9.00%. This APR will vary
with the market based on the Prime Rate.

9.00% to 16.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market 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 do not charge you interest on purchases if you pay your entire 
balance by the due date each month.

For credit card tips  To learn more about factors to consider when applying for or using a 
from the consumer  credit card, visit the Consumer Finance Protection Bureau’s website at
Finance Protection  http://www.consumerfinance.gov/credit-cards/agreements 
Bureau

transaction Fees
•  Cash Advance Fee 

•  Foreign Transaction Fee 

Penalty Fees
•  Late Payment Fee 
•  Returned Payment Fee 

$3.00 or 1.50% of the amount of 
each cash advance, whichever is greater
(maximum of $15)
1.00% of each transaction in U.S. dollars

$15.00
$25.00

  How We Will calculate Your Balance. We use a method called “average 
daily balance (including new purchases).”

  effective date. The information about the costs of the card described in this 
application is accurate as of April 1, 2012. This information may have changed after 
that date. To find out what may have changed, contact the Credit Union.

o t h e r  d i sC Lo s u r e s

•  Late Payment Fee 
•  Statement Copy Fee  
•  Document Copy Fee  
•  Rush Fee  
•  Emergency Card  
  Replacement Fee
•  Research Fee  
•  Card Replacement Fee 

$15.00 if you are four (4) or more days late
$11.00
$11.00
$55.00
$105.00

$20.00 per hour
$5.00

Visa® PLatinum Credit Card request Form
VISA Platinum   Credit Line Requested _______________________
Wisconsin residents: No provision of a marital property agreement, a unilateral statement under Wis. Stat. sec. 766.59, or a court decree under Wis. Stat. sec. 766.79 adversely affects the interests of the credit 
union unless prior to the time the credit is extended, the credit union is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision when the obligation to the credit 
union is incurred. I/We further certify that the credit applied for is in the best interest of the marriage or family in accordance with Wisconsin statute 766.55(1). 
I/we have read and understand the above.  X 

Date

X 
Please Tell Us About Yourself

Name 

Address 

Social Security Number 

Employer 

Own/Rent 

Have You Ever Filed for Bankruptcy?  

Co-Applicant Name 

Social Security Number 

Employer 

City 

Birth Date 

Gross Annual Income

Account Number

State 

Home Phone Number

Zip

Income derived from alimony, child support, or separate maintenance payments need 
not be revealed if you do not want it considered in determining creditworthiness.

Balance 

Estimated Home Value

Description of Collateral (if applicable)

Date Employed 

Monthly Payment 

If Yes, What Year? 

Co-Applicant
Note: If you are relying on your co-applicant’s income as a basis for repayment, complete the following:

Birth Date 

Relationship to Applicant 

Date Employed 

Gross Annual Income

Income derived from alimony, child support, or separate maintenance payments need 
not be revealed if you do not want it considered in determining creditworthiness.

Payment Protection Program Request
Payment Protection Program is voluntary and is not required in order to obtain credit. We will not consider whether or not you elect payment protection in making our credit decision.

Platinum 
By signing you elect the Platinum Protection Program   X

Cost per $100 of the  
Monthly Outstanding Loan Balance

$0.399

• Loss of Life 

• Disability 

• Involuntary Unemployment

Applicant Signature 

Date 

Co-Applicant Signature  

Date

PLEASE NOTE: You must have been working at least 25 hours per week and be disabled or involuntarily unemployed for 30 days before payment protection begins. You are eligible for the protection if you are a borrower on the loan. If you select protection, please refer to the Payment 
Protection Program member agreement for additional protection details and any exclusions pertaining to the agreement protection. You have a right to cancel this protection by notifying your credit union in writing.

I/We hereby certify that all statements made are true and submitted for the purposes of obtaining credit, whether completed by me/us or by the Credit Union at my/our direction. In considering this application, the Credit Union may request and use a report from outside credit reporting agencies. They may also 
ask a reporting agency for other such reports in connection with renewal or continuation of the credit for which I am/we are applying. Upon request, the Credit Union will supply the name and address of the credit bureau providing such information. I acknowledge notice of this disclosure. If this application 
is approved and VISA card(s) issued, I/we agree by signing, using, or permitting another to use the card(s) to be bound by the Cardholder Agreement accompanying the card(s). See accompanying panel for credit disclosures. I give Dupaco Community Credit Union a security interest in all funds 
now or hereafter in all deposit accounts (except IRA) I/we have with you as part of my/our member number listed above, and if I/we default under the terms of this Agreement, I/we authorize Dupaco Community Credit Union to apply such funds to the payment of my credit card indebtedness.

Sign Here

Applicant Signature 

Co-Applicant Signature 
By affixing my initials, I confirm that I am applying for joint credit.   X 

X 

Date

Date

Date