credit card application
Credit Card Application (Cont.)
Mailing Address
156 Second Street
Co-Applicant
San Francisco, CA 94105
Increase your everyday
Web Address
First Name
Middle Initial
spending power-with
www.patelco.org
Last Name
Telephone
no strings attached.
415.442.6200
Member Number (if any)
Social Security Number
Toll-Free Nationwide
1.800.358.8228 (outside CA)
Consider a smarter credit card that allows
Credit
Locations
Email Address
Driver's License/Exp.
you to shop without worry because you know
Find a Patelco branch, free CO-OP ATM,
or Credit Union Shared Service Center
Card
exactly what to expect.
www.patelco.org/locations
/
/
(
)
Date of Birth
Home Phone
Online Banking
Application
www.patelco.org/onlinebanking
There are no hidden charges, no "extra" fees,
(
)
Call-24 Telephone Banking
Current Employer/Occupation
Work Phone
and no clever attempts to nickel and dime
1.888.766.2424
you, whether you're using our entry-level Visa
/
/
$
$
/
Lost or Stolen Credit Card?
Date of Hire
Monthly Income2 Other Income2 / Source
415.442.6200
Classic or Student Visa, our powerful Visa
1.800.543.5073 (after business hours)
Signatures
Gold, or our Platinum Rebate MasterCard that
MAP Auto Buying Service
SEE "PATELCO CREDIT UNION CREDIT CARD TRUTH
pays you 1% back* on every purchase.
www.patelco.org/MAP
IN LENDING DISCLOSURES" INSERT FOR IMPORTANT
1.800.757.2706
INFORMATION ABOUT RATES, FEES, AND OTHER COSTS.
By signing below, request the credit indicated, authorize you to check my credit
Credit Union Direct Lending
and report your credit experience with me to others, and authorize you to issue any
www.cudlautosmart.com
requested credit access device such as credit card. agree that the credit extended
Isn't it good to know you can buy more and do
to me will be subject to the terms of the Open-End Loan Agreement contained in
Patelco's Member Handbook as amended from time to time plus any supplemental
documents receive such as Schedule (loan rate sheet) or open-end loan advance
more without any strings attached?
Questions or Comments?
vouchers. In consideration for and as condition of Patelco making credit available
Send us an email.
to me. agree that fail to make required payments, you can take funds in any
Patelco account in which have an interest (unless prohibited by law or the account
patelco@patelco.org
agreement) to recover all or part of my delinquent obligation. This consent is not a
your money.
pledge by me of any account and will not affect my right to withdraw funds prior to my
default and your exercise of your rights under this consent.
more value.
X
smart choice.
Signature of Applicant
Date
X
Signature of Co-Applicant
Date
Please include a copy of a paycheck stub or other proof of income.
To submit this application:
Visit a branch and give it to a Member Service Representative
All information contained within is current and
OR
accurate as of the effective date printed on
Fax it to 209.722.2312
the cover. All information is subject to change
You can also apply by phone at 800.358.8228 or online at patelco.org/credit
NCUA
without notice. Please consult Member Service
Representative at any Patelco branch or contact
Patelco
our Telephone Service Center for the most up-to-
CREDIT UNION
12$ annual fee to opt-in to Patelco Points Rewards Program.
Rebate to be paid is calculated each year on November 15 and paid shortly
date product and service information.
2 Alimony, child support, or separate maintenance income need not be revealed if you do not wish to
thereafter in the form of a deposit to the cardholder's Tiered Savings account.
have it considered as basis for repaying this obligation.
Federally insured by NCUA
PCUM010-0110
Effective January 2010
Patelco Credit Card Rate Disclosure
Effective as of 1/1/2010; subject to change. Please call 1-800-358-8228 or visit www.patelco.org to find out if information has changed.
Credit Card Application
Visa Classic
Visa Gold
Platinum Rebate MasterCard
Visa Gold
Visa Classic & Student Visa
$
$
Interest Rates and Interest Charges
Credit Line Requested ($5,000 Max)
Credit Line Requested ($25,000 Max)
Annual Percentage Rate
8.15 to 12.15% APR
9.15 to 13.15% APR
13.15 to 16.15% APR
(APR) for Purchases
based on your credit worthiness. The APR will vary with
based on your credit worthiness. The APR will vary
based on your credit worthiness. The APR will vary with
MasterCard
Student Visa
the market based on the Prime Rate
with the market based on the Prime Rate
the market based on the Prime Rate
$
APR for Balance
8.15 to 12.15% APR
9.15 to 13.15% APR
13.15 to 16.15% APR
$
Transfers
based on your credit worthiness. The APR will vary with
based on your credit worthiness. The APR will vary
based on your credit worthiness. The APR will vary with
Credit Line Requested ($25,000 Max)
Credit Line Requested ($1,000 Max)
the market based on the Prime Rate
with the market based on the Prime Rate
the market based on the Prime Rate
15.15% APR
16.15% APR
17.15% APR
| want individual credit.
APR for Cash Advances
The APR will vary with the market based on the Prime Rate
The APR will vary with the market based on the Prime Rate
The APR will vary with the market based on the Prime Rate
We want joint credit. Co-Applicant section must be completed
if your spouse or another person will be jointly obligated on this
Penalty APR and
None
None
None
account. Married persons can request individual credit.
When it Applies
Check here if you would like to use this account as Overdraft
Your due date is at least 25 days after the close of each
Your due date is at least 25 days after the close of each
Your due date is at least 25 days after the close of each
Protection on your Patelco checking account.
How to Avoid
billing cycle. We will not charge interest on purchases and
billing cycle. We will not charge interest on purchases
billing cycle. We will not charge interest on purchases and
balance transfers if you pay your entire balance by the due
Paying Interest
and balance transfers if you pay your entire balance by
balance transfers if you pay your entire balance by the due
Check here to opt-in to the Visa Gold Rewards Program,
date each month. We will begin charging interest on cash
the due date each month. We will begin charging
date each month. We will begin charging interest on cash
Patelco Points. ¹
advances on the transaction date
interest on cash advances on the transaction date
advances on the transaction date
Applicant
Minimum Interest
None
None
None
Charge
First Name
Middle Initial
Last Name
For Credit Card Tips
To learn more about factors to consider when applying
To learn more about factors to consider when applying
To learn more about factors to consider when applying
from the Federal
for or using a credit card, visit the website of the Federal
for or using a credit card, visit the website of the Federal
for or using a credit card, visit the website of the Federal
Reserve Board
Reserve Board at: www.federalreserve.gov/creditcard
Reserve Board at: www.federalreserve.gov/creditcard
Reserve Board at: www.federalreserve.gov/creditcard
Member Number (date of birth if not member)
Social Security Number
Fees
Annual Fee
None
None
None
Email Address
Driver's License/Exp.
Annual fee for
Patelco Points
N/A
$25 Opt-in Required
N/A
)
(
)
Rewards Program
Home Phone
Work Phone
Balance Transfer
Either $2.50 or 2.5% of each transaction, whichever is
Either $2.50 or 2.5% of each transaction, whichever is
Either $2.50 or 2.5% of each transaction, whichever is
and Cash Advance Fees
greater (maximum fee: $75)
greater (maximum fee: $75)
greater (maximum fee: $75)
Address
2% of each transaction in U.S. dollars if initiated or processed
2% of each transaction in U.S. dollars if initiated or
2% of each transaction in U.S. dollars if initiated or processed
Foreign Transaction Fee
in foreign currencies or countries (this fee is in addition to
processed in foreign currencies or countries (this fee is in
in foreign currencies or countries (this fee is in addition to
other applicable fees such as cash advance fees)
addition to other applicable fees such as cash advance fees)
other applicable fees such as cash advance fees)
City
State
Zip
Late Payment Fee
$15 if payment is 15 or more days late
$15 if payment is 15 or more days late
$15 if payment is 15 or more days late
Date of Occupancy:
Month
Year
Over-the-Credit Limit Fee
None
None
None
Returned Payment Fee
None
None
None
Current Employer
Occupation
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases). See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
/
/
$
$
/
How We Will Calculate Your Variable APRs: We will add a "Margin" to an "Index Rate" to determine your variable interest rate. For each billing period the Index Rate we will use will be equal to the Prime Rate reported in the Fed-
Date of Hire
Monthly Income* Other Income* / Source
eral Reserve Bulletin on the first day of the month preceding the month in which the rate will take effect. The Index Rate as of 12/1/09 is 3.25 percentage points. The "Margin" for purchases and balance transfers will be 4.90
to 8.90 percentage points for Mastercard Platinum, 5.90 to 9.90 percentage points for Visa Gold, and 9.90 to 12,90 percentage points for Visa Classic and Student Visa, based on your credit worthiness. The "Margin" for cash
Own Home
Rent
Other $
advances will be 11.90 percentage points for Mastercard Platinum, 12.90 percentage points for Visa Gold, and 13.90 percentage points for Visa Classic and Student Visa.
Changes to the APRs: APRs may adjust upon legally required notice to the cardholder.
Monthly Mortgage or Rental Amount
(Continued on Reverse)