CSE Federal Credit Union Visa Application  
330.452.9801 •  WWW.CSEFCU.COM 

Dear Member, 
To speed up the processing  of your Visa Application,  please  read, complete  and sign all forms  where  indicated. 
Please  provide  verification  of income with one or more  of the following: 

 A recent  paycheck   
 Verification  of retirement,  pension,  Social  Security  income 
 2 most  recent  tax returns  for self-employed  applicants  
 Alimony, Rental Income, Child Support etc. (Such income need not be revealed if you do not want us to consider it in determining your creditworthiness.)  

Is your income  directly  deposited  into an account  at CSEFCU?   Yes or No 

□ You are applying for individual credit or an individual account, in your own name, and are relying on your own income or assets and not the income or assets 

of another person as the basis for repayment of the credit requested. 

□ You are applying for joint credit with another person or for a joint account or an account that you and another person will use. 
□ You are applying for individual credit or an individual account, but are relying on income from alimony, child support, or separate maintenance or on the income 

or assets of another person as the basis for repayment of the credit requested. 

We intend to apply for joint credit.  Applicant 

Co-Applicant   

APPLICANT 

Name:  

Street Address:  

Member Number:   

City:  

State:  

Zip Code:  

Social Security Number:  

Date of Birth:  

Home Phone:  

Employer:  

Start Date:  

Work Phone  

Gross Monthly Income  

Monthly Rent/Mortgage Payment:   

CO-APPLCANT 

Name:  

Street Address:  

Member Number:   

City:  

State:  

Zip Code:  

Social Security Number:  

Date of Birth:  

Home Phone:  

Employer:  

Start Date:  

Work Phone  

Gross Monthly Income  

Monthly Rent/Mortgage Payment:   

Credit Limit Desired:  

By  signing  below,  I  authorize  the  Credit  Union  to  verify  credit  and  employment  history  by  any  necessary  mean,  including  preparation  of  a  credit  report, by  a 
credit  reporting  agency  on the undersigned,  as individuals.  I understand  that  if the  card  is not  activated  within  30 days  the  account  will  be closed. Signature 

Applicant:                                                                                                                                                                 Date:                                                

Co-Applicant:  

For Credit  Union  Use Only 

Cross Sold by  

Processed By:  

Date:   

Date  

Received By:  

Date  

Approved By:  

Date  

Date  

Credit Score Applicant:  

Co-Applicant  

Credit Limit Approved $  

Card Ordered By:  

Card Number   

Date  

Denied By:  

Date  

Revised  10/19 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CSE FEDERAL CREDIT UNION 
VISA CREDIT CARD AGREEMENT 
330-452-9801 

In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement.  Card means the VISA Credit Card and any duplicates 
and renewals we issue.  Everyone who receives, signs or uses a card issued under this agreement must be a member of this Credit Union.  Account means your VISA Credit 
Card Line of Credit account with us.  We, us and ours means this Credit Union. 

CREDIT DISCLOSURES 
Interest  Rates  and  Interest  Charges 
ANNUAL  PERCENTAGE RATE (APR) 
for  Qualified  Purchases  & Balance 
Transfers  – Visa®  MORe  Rewards® 

ANNUAL  PERCENTAGE RATE (APR) 
for  Qualified  Purchases  & Balance 
Transfers  – Visa®  Platinum 

ANNUAL  PERCENTAGE RATE (APR) 
for  Cash Advances  – Visa® 
Platinum  & Visa®  MORe 
Rewards® 
Penalty  APR 
Paying  Interest 

For  Credit  Card  Tips  from  the 
Consumer Financial Protection Bureau 

3.99%  introductory APR for a period of 6 billing cycles 
from date of purchase within the first 90 days. After that, 
8.25% - 18.00%, based on your creditworthiness. 
5.99%  introductory APR for a period of 6 billing cycles 
from date of purchase within the first 90 days. After that 
8.25% - 18.00%, based on your creditworthiness. 

8.25% - 18.00%  based on your creditworthiness. 

NONE 
Your due date is at least 25 days after the close of each 
billing cycle. We will 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's date. 
To learn more about factors to consider when applying or 
using a credit card, visit the website of the Consumer 
Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 
·  Annual Fee 
Transaction Fees 
·  Balance  Transfer 
·  Cash Advance 
·  Foreign  Transaction 
·  Currency  Conversion 
Penalty  Fees 
·  Late-Payment 
·  Over-the-credit-limit 
·  Returned  Payment 

NONE 

NONE 
NONE 
1% of each transaction in U.S. Dollars. 
1% of each transaction in U.S. Dollars. 

up to a maximum of $25.00 
None 
up to a maximum of $25.00 

How  We Will Calculate Your  Balance:  We  use a method called "average  daily balance (including  current 
transactions)."  See your account  agreement  for more  details. 
Billing Rights:  Information  on your rights to dispute transaction(s)  and how to exercise those rights is provided in your 
account agreement. 

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VISA CREDIT CARD AGREEMENT (Keep this for your records)  

1. The Annual Percentage Rate (APR) for Purchases is fixed, based on your credit 
worthiness. 

information regarding your account to credit bureaus and other creditors who inquire 
of us about your credit standing, to the extent authorized by our By-Laws. 

2. The Annual Percentage Rate (APR) for Cash Advances is fixed, based on your 
credit worthiness. 

3. Late Fee: If the minimum required payment is not received by the 26th  of every 
month a late charge of a maximum of $25.00 will be imposed. 

10. Monthly Payment. We will mail you a statement every month showing your 
Previous Balance of purchases and cash advances, the current transactions on your 
account, the remaining credit available under your Credit Line, the New Balances of 
purchases and cash advances, the Total New Balance, the FINANCE CHARGE due to 
date, any other billed fees, and the Minimum Payment required. 
Every month you must pay at least the Minimum Payment by the Payment Due Date. 
You may, of course, pay more frequently, pay more than the minimum payment, or 

4. Average Daily Balance (including current transactions): We figure the interest 
charge on your account by applying the periodic rate to the “average daily balance”  pay the Total New Balance in full—and you will reduce the FINANCE CHARGE by doing 
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.” 

so. The Minimum Payment will be (a) 2% of your Total New Visa Balance, or $25.00 
whichever is greater, or (b) your Total New Balance, if it is less than $25.00 plus (c) 
any portion of the Minimum Payment(s) shown on prior statement(s) which remains 
unpaid. 
We will apply any payments we receive from you in excess of the Minimum Payment 
due to the balance with the highest annual percentage rate and any remaining 
portion to the other balances in descending order from the highest APR based on the 
applicable APR in accordance with the law. 

5. Responsibility. If we issue you a card, you agree to repay all debts and the 
FINANCE CHARGE arising from the use of the card and the card account. For 
example, you are responsible for charges made by yourself, your spouse and minor   11. Default. You will be in default if you fail to make any Minimum Payment within 25 
children or any other authorized user. You are also responsible for charges made 
by anyone else to whom you give the card, and this responsibility continues until 
the card is recovered. You cannot disclaim responsibility by notifying us, but we will  in your obligations, bankruptcy or insolvency proceedings involving you, your death 
close the account for new transactions if you so request and return all cards. Your 
obligation to pay the account balance continues even though an agreement, 
divorce decree or other court judgment to which we are not a party may direct you  account balance if you default, subject to our giving you any notice required by law. 
or one of the other persons responsible to pay the account. Any person using the 
card is jointly responsible with you for charges he or she makes. If that person signs  expenses, including court costs and reasonable attorneys’ fees. 
the card he or she becomes a party to this Agreement and is also jointly 
responsible for all charges on the account including yours. 

days after your monthly statement closing date. You will also be in default if your 
ability to repay us is materially reduced by a change in your employment, an increase 

or your failure to abide by this Agreement, or if the value of our security interest 
materially declines. We have the right to demand immediate payment of your full 

To the extent permitted by law, you will also be required to pay our collection 

6. Lost Card Notification and Liability for Unauthorized Use: 
If you notice the loss or theft of your credit card or a possible unauthorized use of 
your card, you should write to us immediately at: 

CSE Federal Credit Union 
1380 Market Avenue North 
Canton, OH  44714 

Or call us at 330-452-9801 or after Credit Union hours call 1-866-273-3281. 
You will not be liable for any unauthorized use that occurs after you notify us. You 
may, however, be liable for unauthorized use that occurs before your notice to us. 
In any case, your liability for transactions on a lost or stolen Visa card is $0.00 
unless the Credit Union determines that the Cardholder was negligent or 
fraudulent in the handling of the account or card. 

12. Using the Card. To make a purchase or cash advance, present the card to a 
participating VISA  merchant, to us or, to another financial institution, and sign the 
sales slip or cash advance draft. You may also use your Personal Identification 
Number (PIN) in conjunction with the card in an Automated Teller Machine or other 
type of electronic terminal. You will retain your copy of sales drafts, cash advance or 
credit slips to verify your transactions with the monthly statement. We reserve the 
right to make a reasonable charge for photocopies of slips you may request. A card 
may not be used for illegal transactions such as Online Internet Gambling.  

13. Personal Identification Number. To obtain a Personal Identification Number 
(“PIN”) for use with your Card in accessing your line of credit at automatic teller 
machines (“ATM’s”), contact PIN Now, at 1-888-891-2435. PIN numbers are issued to 
you for security purposes. These numbers are confidential and should not be 
disclosed to third parties. You are responsible for safekeeping your PIN. You agree 
not to disclose or otherwise make available your PIN to anyone not authorized to sign 
on your Accounts. If you authorize anyone to use your PIN that authority shall 
continue until you provide us with express revocation of that authority. If you fail to 
maintain your PIN security and we sustain a loss, we may terminate all services on 
your Accounts immediately. To keep your Account secure, do not write your PIN on 
your Card or keep it in the same place as your Card.  

7. Credit Line. If we approve your application, we will establish a self-replenishing 
Line of Credit for you and notify you of its amount when we issue the card. Your 
Line of Credit for cash advances will be one-half of the overall credit limit 
established for you. This Line of Credit for cash advances is part of not in addition 
to your established Line of Credit.  You agree not to let the account balance exceed     
this approved Credit Line. Each payment you make on the account will restore your  14. Returns and Adjustments. Merchants and others who honor the Card may give 
Credit Line by the amount of the payment which is applied to the principal. You 
credit for returns or adjustments. We will post these to your account. If your credits 
may request an increase in your Credit Line only by written application to us, which  and payments exceed what you owe us, we will hold and apply this credit balance 
against future purchases and cash advances, or if it is $1 or more, refund it on your 
must be approved by a loan officer. By giving you written notice, we may reduce 
written request or automatically after 6 months. 
your Credit Line from time to time, or with good cause, revoke your card and 
terminate this Agreement. Good cause includes your failure to comply with this 
Agreement, or our adverse reevaluation of your creditworthiness. You may also 
terminate this Agreement at any time, but termination by either of us does not 
affect your obligation to pay the account balance. 
The cards remain our property and you must recover and surrender to us all cards 
upon request. 

15. Foreign Transactions. Purchases and cash advances made in foreign countries and 
foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars 
will be at (1) the wholesale market rate or (2) the government mandated rate, 
whichever is applicable, in effect one day prior to the processing date, increased by 
one percent. 

8. Copy Received. You acknowledge a receipt of a copy of this Agreement. 

9. Credit Information. You authorize us to investigate your credit standing when 
opening, renewing or reviewing your account, and you authorize us to disclose 

16. Security Interest. To secure your account, you grant us a purchase money security 
interest under the Uniform Commercial Code in any goods you purchase through the 
account. If you default, we will have the right to recover any of these goods which 
have not been paid for through our application of your payment in a manner 

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Revised  10/19 

 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
described in paragraph 10. Your Account is secured by all other shares you have in 
any individual or joint account with the Credit Union, except for shares in an 
Individual Retirement Account or in any other account that would lose special tax 
treatment under state or federal law if given as security. These other shares may 
be withdrawn if you are in default under this agreement. You authorize the Credit 
Union to apply the balance in your individual or joint share accounts to pay any 
amounts due on your Account if you should default. 

17. Effect of Agreement. This Agreement is the contract which applies to all 
transactions on your account even though the sales, cash advance, credit or other 
slips you sign or receive may contain different terms. We may amend this 
Agreement from time to time by sending you a 45 day advance written notice 
required by law. Your use of the card thereafter will indicate your agreement to the   
amendments. To the extent the law permits, and we indicate in our notice, 
amendments will apply to your existing account balance as well as to future 
transactions. You have the right to reject a change in terms prior to the effective 
date thereof by calling us toll free at 1-866-273-3281 or by mailing us at: 1380 
Market Ave North Canton Ohio 44714. In such case, your account will be 
terminated or suspended and no further credit will be available to you. You will 
remain liable to pay the balance then due under the existing terms. The right to 
reject a change in terms does not apply if we have not received a required 
minimum payment within 60 days after the due date for that payment. 

18. Changing or Terminating Authorized Users. Upon your request, we may issue 
additional cards for authorized users that you designate. You must notify us in 
writing of any termination of an authorized user’s right to access your account. 
Your letter must include the name of the authorized user and your account number 
and/or any subaccount number issued to the authorized user along with the 
authorized user’s card and any convenience or other access checks issued to the 
authorized user. If you cannot return the authorized user’s card or access checks 
and if you request your account to be closed, we will close out your VISA Account 
and issue you a new card. 

19. Using VISA Convenience Checks. From time to time, we may issue You VISA 
Convenience Checks for use as you would use a VISA Card to make a purchase or 
payment or to receive cash. Your VISA Convenience Checks directly access your 
VISA Account. All VISA Convenience Checks paid by us are treated as Cash 
Advances hereunder and, except as otherwise indicated, are subject to all terms of 
this Agreement pertaining to Cash Advances and to the following additional terms: 
 
VISA Convenience Checks cannot be ordered by members of CSE Federal 
Credit Union. 

  

The Minimum VISA Convenience Check amount is $100.00. 

   No VISA Convenience Check may be used to make a payment on your VISA 

Account or any other CSE loan obligation. 

   Only the person whose name appears on a VISA Convenience Check may use 

them. 

   VISA Convenience Checks must be written in U.S. Dollars. 
  

Convenience Checks may not be certified. 

   We may return a VISA Convenience Check unpaid if there is not enough 

available credit on your Account to pay it, if your Account is in Default, or if a 

Card or any VISA Convenience Checks have been reported lost or stolen. 

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YOUR BILLING  RIGHTS—KEEP THIS NOTICE FOR FUTURE USE 
This notice contains  important information  about your rights and our responsibilities  under the Fair Credit Billing Act. 

Notify us In Case of Errors or Questions  About Your Bill 
If you think there is an error on your statement,  write to us at: 

CSE Federal  Credit Union 
1380  Market  Ave 
N Canton,  OH 
44714 

In your letter,  give us the following information: 
• Account  information:  Your name  and account number. 
• Dollar amount: The dollar amount of the suspected  error. 
• Description  of Problem: If you think there is an error on your bill, describe  what you believe is wrong and why you believe 

it is a mistake. 

• You must contact us within 60 days after the error appeared  on your statement. 
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is 

wrong. 

• You must notify us of any potential errors in writing [or electronically].  You may call us, but if you do we are not required 

to investigate  any potential errors and you may have to pay the amount in question. 

When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate  whether or not there has been an error, the following are true: 
• We  cannot try to collect the amount in question,  or report you as delinquent  on that amount. 
• The charge in question may remain on your statement,  and we may continue to charge you interest on that amount. But, 
if we determine  that we made a mistake,  you will not have to pay the amount in question  or any interest or other fees 
related  to that amount. 

• While you do not have to pay the amount in question,  you are responsible  for the remainder  of your balance. 
• We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 
• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. 
We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if 
you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell 
you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter 
has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 

Your  Rights  If You Are Dissatisfied With  Your  Credit  Card Purchases 

If you are dissatisfied  with the goods or services  that you have purchased  with your credit card, and you have tried in good 
faith to correct the problem  with the merchant,  you may have the right not to pay the remaining  amount due on the 
purchase.  To use this right, all of the following  must  be true: 

1. The purchase  must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase  was based on an 
advertisement  we mailed to you, or if we own the company that sold you the goods or services.) 

2. You must have used your credit card for the purchase. Purchases  made with cash advances  from  an ATM or with a 
check  that accesses  your credit  card account  do not qualify. 

3. You must not yet have fully paid for the purchase. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing [or electronically]  at: 

CSE Federal  Credit Union 
1380  Market  Ave N 
Canton,  Ohio 44714 

While we investigate,  the same rules apply to the disputed amount as discussed  above. After we finish our investigation, 
we will tell you our decision.  At that point, if we think  you owe an amount and you do not pay we may report you as 
delinquent. 

By signing below, you are granting us a security interest in any of your share accounts  with us to secure payment of your 
Visa Account.   You authorize us to apply any funds in your share accounts  to the balance owing on your Visa Account if 
you should default. 

PLEDGE  OF SHARES 

X  
Applicant - Member Signature  

Date 

X   
Co-Applicant  - Member Signature  

Revised  10/19 

X   

CSE Staff Signature  

Date 

Date