APCO Employees
Credit Union
VISA
CREDIT CARD APPLICATION a LINE OF CREDIT AGREEMENT
CREDIT UNION ACCOUNT NO.
A. APPLICANT’S PERSONAL INFORMATION - PLEASE PRINT
APPLICANT'S FIRST NAME	INITIAL	LAST NAME	DATE OF BIRTH / /	। SOCIAL SECURITY NUMBER	DRIVER’S LICENSE # & STATE
PRESENT STREET ADDRESS	CITY	STATE		ZIP	HOW LONG? □ OWN YRS MOS aRENT	AREA CODE & HOME PHONE
EMAIL ADDRESS					AREA CODE & CELL PHONE
NAME AND ADDRESS OF EMPLOYER					AREA CODE & WORK PHONE
JOB TITLE	HOW LONG EMPLOYED	PREVIOUS EMPLOYER & ADDRESS (IF LESS THAN 1 YEAR) CITY		STATE	ZIP
NAME AND ADDRESS OF CLOSEST RELATIVE NOT LIVING WITH YOU	STREET ADDRESS			CITY	STATE	ZIP	AREA CODE & HOME PHONE
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.					
GROSS MONTHLY SALARY $	I NET MONTHLY SALARY I OTHER INCOME	I | $ | $ |		SOURCE OF OTHER INCOME	I NET MONTHLY RETIREMENT PAY	I TOTAL NET MONTHLY INCOME $
B. information regarding spouse/co-applicant. read before completing
Completion of tills section required if (1) You are a resident of a community properly state (AZ, CA, ID, LA, NM, NV,TX, WA), (2) You are relying upon property located in a community property state, as a basis for repayment of credit requested, (3) You are relying upon the income or assets of another, (4) you are relying upon alimony, rtilld support, or separate maintenance payments as from a spouse or former spouse, (5) Your spouse will be allowed to use this account, or (6) Your spouse win be contractually liable.
FIRST NAME	INITIAL	LAST NAME			DATE OF BIRTH	SOCIAL SECURITY NUMBER		DRIVERS LICENSE # & STATE
PRESENT STREET ADDRESS	CITY		STATE	ZIP			HOW LONG? YRS MOS	AREA CODE & HOME PHONE
EMAIL ADDRESS								AREA CODE & CELL PHONE
NAME AND ADDRESS OF EMPLOYER			JOB TITLE				AREA CODE & WORK PHONE	HOW LONG EMPLOYED?
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.								
GROSS MONTHLY SALARY	I s	 |	NET MONTHLY SALARY $		I OTHER INCOME		I SOURCE OF OTHER INCOME			TOTAL NET INCOME - APPLICANT AND CO-APPUCANT	
c. list all debts of applicant (INCLUDING spouse/co-applicant if section B IS COMPLETED)
CREDITORS NAME	ACCOUNT NO.	ADDRESS	PURPOSE	ORIGINAL BALANCE	CURRENT BALANCE	MONTHLY PAYMENT
, □ LANDLORD □ MORTGAGEE				$	S	$
2.				$	$	$
3.				$	$	$
4.				$	$	$
5.				$	$	$
6.				$	$	$
7+				$	$	5
0.				$	$	3
9*				$	$	$
ioCHILO CARE/CHILD SUPPORT/ALIMONY PAYMENTS				5	$	$
THIS APPLICATION MAY BE REJECTED IF ALL DEBTS ARE NOT LISTED. IF YOU REQUIRE MORE SPACE ATTACH ADDITIONAL SHEET. IF SELF EMPLOYED, ATTACH FINANCIAL STATEMENT.			ARE ANY DEBTS	□ YES PAST DUE	UNO		TOTAL MONTHLY OBLIGATIONS	$
D. APPLICANT’S FINANCIAL INFORMATION AND PERSONAL REFERENCES
CREDIT UNION, BANK, OR OTHER FINANCIAL INSTITUTION		ADDRESS	1 BRANCH		I TYPE	□ SAVINGS OF	□ CHECKING | ACCOUNT	□LOAN
HAVE YOU OR CO-APPLiCANT EVER	1. BEEN SUED	QYES FOR DEBTS?	□ NO	2, APP LIED TO THIS	□ YES CREDIT UNION?	□ NO	3. FILED BANKRUPTCY OR CHAPTER 13?	□ YES □ NO	ARE YOU OR CO-APPLICANT QYES	TO WHOM CURRENTLY A CO-MAKER?	□ NO
Credit limit requested $.	 ■ ■ ■ •			FOR CREDIT UNION USE ONLY	Credit Limit $.			 Approved □ Approved By 					
By signing this application you are certifying that all information you provided is complete and true and is furnished for the purpose of obtaining credit. You also authorize APCO EMPLOYEES CREDIT UNION to check your credit and employment history and make whatever Inquiries necessary in the course of granting credit, or collecting any credit extended. You understand that the credit union will retain this application whether or not it is approved and you authorize the credit union to answer questions about the credit union's experience with your credit. You also agree that if you are approved fora VISA credit card that your use of that card will bind you to all terms and conditions contained in the “VISA CREDIT CARD AGREEMENT” that you receive. You hereby acknowledge that you have removed the attached VISA Credit Card Agreement and Statement of Billing Rights and will retain it for your records.					
CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Applicant’s Signature
Date
Go-Applicant's Signature
Date
By signing below you hereby specifically agree to al! terms of paragraph 13 of ths VISA CREDIT CARD AGREEMENT you receive including but not limited to your pledging all shares and/or deposits (including amounts in draft accounts) and payments and earnings thereon which you now or hereafter may have with us, whether held jointly, individually, or in trust as security for any and all monies advanced or purchases made by use of the card and any interest accrued thereon. Upon default you authorize us to take what you owe us out of any account (except Individual Retirement Accounts) you have with us. You further understand that such a security Interest Is a condition of the credit union granting you this loan.
CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Applicant's Signature
Date
Co-Applicant’s Signature
Date
THE APPLICANT AND CO-APPLICANT MUST EACH SIGN ON BOTH APPLICABLE LINES ABOVE OR WE CANNOT PROCESS THE APPLICATION.
APCO Employees Credit Union Rev. 01-14
VISA CREDIT CARD AGREEMENT (Keep this for your records)
In this Agreemenl the words 'you' ond 'your' mean each and oil of those who apply for ihe Cord or who sign ihis Agreement 'Card* means ihe VISA Credit Card ond any duplicates and renewals we issue. 'Accounl' means your VISA Credit Card Line of Credit Account with us. ‘We", 'ns" and ‘ours* means APCO Employees Credit Union.
1.	Responsibility. If we issue you o Caro, you agree to repay all debts ond the FINANCE CHARGE arising from the use of the Card ond ihe Account. For example, you ore responsible for charges made by anyone else fo whom you give the Cord, and ihis responsibility continues until the Card is recovered. You cannot disclaim responsibility by noli tying us, but we v/ill close the Accounl for new tronsaclions if you so request ond ifyou return all Cards. Your obligation to pay Ine Account balance continues even though an agreement, divorce decree or olher court judgment to which we are not o parly moy direct you or one of the other persons responsible to pay the Account. Any person using the card is jointly responsible and is also pinlly responsible for all charges on the Accounl, including yours. You agree the VISA Card may nol be used far ony illegal or unlawful activity or tronsaclions, including bul not limited Io illegal gambling. You agree to pay all applicable fees when due, including return check, VISA draft reproduction and slaiemenl replacement fees.
2.	lost Card Notification. If you believe the Cord hos been lost or stolen, you will immediately call us of (205) 226-6800 or 1-000-249-2726 daring normol business hours. After hours coll (8001991-4961. If a cardholder reports the loss or theft of a card within Iwo business days of discovery ihal ihe card was lost or stolen, the cardholder liability is $0 (zero). If a cardholder reports ihe loss or iheftof a card beyond two business days of discovery that the card was lost or stolen, ihe cardholder nobility is $50.
3.	liability for Unauthorized Use. You may be liable lor the unauthorized use of your card. You will not be liable for unoulhorized use ihal occurs after you notify ihe Credit Union, orally or in writing, of the loss, iheft, or possible unoulhorized use. tn any cose, your liability will nol exceed $50. For VISA Credit cards, if you report that the Cord is lost or stolen, your liability is $0 (zero). If you provide proper notification of other unauthorized VISA transactions, your maximum liability is $0 (zero). We moy require you la provide a written statemenl regarding claims ol unauthorized transactions. These limits of liability may be exceeded, to the exlent allowed under applicable law, if we determine that the occaunl was handled tn a fraudulent or grossly negligent manner. These provisions for cardholders liability do nol apply to transactions on Visa Commercial Cards, Visa or Plus* ATM transactions or olher elec Ironic transfer. Such liability limils do not apply when the Card Is used to make an electronic fund transfer.
4.	Credit line. If we approve your application, we will establish a self-replenishing Line of Credit for you ond notify you of ils amount when we issue the Card. You agree not to let Ine Account balance exceed this approved Credil line. Each payment you make on ihe Accounl will restore your Credit Line by the amount of the poymenl which is applied Io principal. You may request an increase in your Credit Line only by written application to us, which musi be approved by our credit committee ar loan officer. By giving you written notice, we moy reduce 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 wilh ihis Agreemenl or our adverse revaluation of your creditworthiness. You may also terminate this Agreemenl of any time, bul termination by either vou or us does nol affect your obligation to pay the Account balance. The Cards remoin our property, and you musi recover and surrender Io us all Cards upon our request and upon termination of ihis Agreemenl.
5.	Credil Information. You authorize us to investigate your credil standing when opening, renewing or reviewing your Account, and you authorize us Io disclose in formation regarding your Account Io credil bureaus ond olher creditors who inquire of us about your credil standing.
6.	Paymenls. Each month you musi pay at least ihe minimum poymenl shown on your statemenl by ihe date specified on ihe statemenl or no later than 25 days from ihe slaiemenl closing date, whichever is loler. If your statement says the payment is 'Now Due,' your paymenl is due no later than 25 days from the statement closing dole. You may pay more frequently, pay mare than ihe minimum paymenl or pay ihe Total New Balance in full. It you moke extra or larger paymenls, you are still required fo moke at leost ihe minimum payment each month your Accounl has a balance (other than a credil balance). The minimum payment is 4.00% of your Total new Balance or $20.00, whichever is greater, not to exceed your Total New Balance, plus the amount of any prior minimum paymenls that you have nol made, ond any amount by which you ore over your credit limit. The Credil Union also hos the right to demand immediate payment of ony amount by which you ore over your credit limit. Subjed to applicable law, your payments may be applied towhat you owe the Credit Union in any manner the Credil Union chooses. Currently, Paymenls made io your accounl will be applied in the following order: Fees ond Finance Charges; Previously Billed Purchases; Cash Advances; Nev/ Purchases, We may accept checks marked 'payment in fur or wilh words of similar effed without losing any of our rights Io colled ihe full balance of your account wilh us. When a scheduled payment is late 10 days or more, the Idle fee assessed will be $25, or $35 if you have hod a late paymenl in ihe lost six billing cycles. However, if your minimum paymenl is less ihan the late fee, then your late fee will be equal to your minimum payment amount.
7.	Finance Charges. If you have a zero purchose balance at the beginning of a statement cycle, you can avoid a FINANCE CHARGE on purchases billed during the cycle by paying the full amount of the New Balance of Purchase within 25 days of your slaiemenl dosing date. Otherwise, purchases will be subjed to a FINANCE CHARGE from the day they are posted Io your account. Cosh advances are always subjed la a FINANCE CHARGE from the day ihey are posted to your account. The FINANCE CHARGE (interest) is cclculaled ol the periodic rote of .900% per month (ANNUAL PERCENTAGE RATE OF 10.90%), on the average doily principal balances of purchases and cosh advances in ihe Account. Separate Finance Charges for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily
balance for purchases and cash advances. Each average dally balance is determined by faking the beginning balance (of cash advances ond purchases) In your account each day, adding any new purchases or cash advances (whichever is applicable) ond subtracting ony paymenls or credits. The results ore the daily balances. The doily balances are totaled, and divided by the number of days in the statement period Io produce separate average daily principal balances for purchases and cash advances la which the periodic rate is then applied.
8.	Default. You will be in default if you fail to make any Minimum Payment when due. You will also be in default if (a) your ability Io repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by ihis Agreemenl, (b) you break any promise you nave made to us, under this Agreemenl or ony other agreemenl you have with us, fa) anyslotemenl you have made tn ihis Agreement, in connection with this Agreemenl, or in connection wilh any airier agreemenl you have wilh vs is nol true, or [dl we should otherwise reel insecure in receiving paymenl of the Account balance for whatever reason. Ifyou are in default, we have ihe right to demand immediate paymenl of your full Account Balance at once wilhoul notice to you. In the event of a default, you agree la pay all costs of collecting the amount you owe under ihis agreement including, if the unpaid balance under this plan is greater ihan Three Hundred Dollars ($300.00) al ihe lime of ihe collection, reasonable attorney's fees if the debt is referred for collection Io any a Horney who is nol our employee and if suit is filed, court costs.
9.	Using the Card. You may use the cord issued to you to moke purchases in person, and by mail, online, or telephone from merchant and others who accept VISA cards. In addition, you may obtain cash advances from the Credil Union, from olher financial institutions participating in the VISA program ond from automated feller machines (ATMs), such os VISA ATM Network, which provide access to the VISA system. (Nol oil ATMs provide such access.) You will need fo use your Personal Identification Number (PIN] to obtain a cash advance from an AIM. You will be charged a cash advance fee of one percent of the cosh advance, bul not less ihon $3,00. The monthly statement will identify the merchanl, electronic terminal or financial institution ol which transactions were mode, but sales, cosh advance, creditor olher slips cannot be relumed wilh the statemenl. You will relain ihe copy of such slips furnished of the lime of the Iransaction tn order Io verify the monthly statement. We may make a reasonable charge for photocopies of slips you request.
10.	Returns and Adjustments. Merchants ond olhers who honor the Card may give credit lor returns or adjustments, ond ihey do so by sending us a credit slip which we will post fo your Account, if your credits and paymenls exceed what you owe us, we will hold ond apply ihis credil balance against future purchases ond cosh advances, or if it is $1 or mare, refund it on your written request or automatically ofler 6 months.
11.	Foreign Tron sections. Purchases ond cash advances made in foreign counIries and foreign currencies will be billed fo you in U.S. Dollars. The conversion rafe to dollars will be made in accordance wilh ihe operating regulations lor international Iransactions established by VISA International, Inc.
12.	Plan Merchont Dispute. We ore nett responsible for the refusal of any plan merchant or financial institution to honor your Card. We are subject Io claims and defenses (olher ihan Iori claims) arising out of goods or services you purchase with the Cord only ifyou have made a good faith attempt, bul have been unable Io obtain satisfaction from ihe pion merchanl, ond; |a) your purchase was made in response Io an advertisement we sen! or participated in sending you, or (b) your purchase cost more ihan $50 and was made from a plan merchant in your stole or within 100 miles ol your home. Any other disputes you must resolve directly with the plan merchanl.
13.	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 use of the Card. If you default, we will have the right to recover any of these goods which have nol been paid for through our application of your paymenls in ihe manner described in Paragraph 6. Yau pledge all shares and/or deposits (including amounts in draft accounts] ond paymenls and earnings thereon which you now or hereafter may have with us, whelher held joinlty, Individually or in (rust, as security for ony and all monies advanced or purchases made by use of the Card and any interest accrued thereon. Upon default you authorize us to lake what you owe us oul of any such account (except Individual Retirement Accounts] you have wilh us.
14.	Effects of Agreement. This Agreement is the conlract which applies la all transactions on your Account even ihough the sales, cash advance, credit or other slips you sign or receive may contain differenl terms. We may amend this Agreemenl from time Io time by sending you ony advance written notice required by low. Any amendment Io Ihis Agreemenl will lake effect on ihe day it is mailed unless advance notice is required by law. Your use of ihe Cord thereafter will indicate your agreement to the amendments. Ta ihe extent the law permits, and we indicate in our notice, amendments will apply to your existing Account balance as well as to future transactions.
15.	Enforcement. The terms ana conditions of this Agreement are governed by and construed in accordance with ihe laws of ihe Slate of Alabama ond any applicable Federal law. No delay tn enforcemenl of our rights under ihe Agreemenl will result in any loss of our rights or relieve you of any al your obligations. All claims related to any accounl with ihe Credil Union shall be resolved by binding arbitration.
16.	Invalidity of Provisions and Captions. If any provision of this Agreement is deemed invalid the rest of this Agreemenl will remain in full force and effect. The paragraph headings ore for convenience only ana do not form a port of this Agreement.
17.	Copy Received. By signing ihe attached application you acknowledge receipt of a copy of this Agreemenl and Billing Rights Statement which should be torn off ihe application at ihe perforation and kept.
VISA CREDIT CARD AGREEMENT (Keep this for your records)
This notice contains important information about your fig tils cmd oar responsibilities under tbe Fair Credil Billing Act.
WHAT TO DO If YOU HMD A MISTAKE OH YOUR STATEMENT
If you itilnk tiiere Is an error on yout statement, write Io us at APCO Employees Credit Union nt P.O. Box 228B Birmingham, Alabama 35201. In your letter, give us the following information:
1 Account information: Your name ond account number.
* Do!ar amount: Ihe dollor of Ihe suspected error.
1 Description of problem: If you th ink there is an error on your bill, describe what you believe is wrong ond why you believe it is a mi stale.
You musi contact us:
‘ Wilkin 60 days after the error appeared on your stole meet.
1	Al host 3 business days before on oulomaled paymenl is scheduled, if you want to stop paymenl on the amount you think is wrong.
You mud notify us of ony potential errors in writing. You moy call us, bul if you do we ore not required Io investigate ony potential errors and you may have to pay the amount in question.
WHAT Will HAPPEN AFTER WE RECEIVE YOUR LETTER
1,	Within 30 clays of receiving your letter, we must fell you that we receded your fetter. We will also tell you if we have oireody corrected the error.
2.	Wilkin VO days of receiving your letter we must either correct the error or explain la you why wo believe the bitt is correct.
While we investigate whether or not there has been on error:
■	We cannot try to collect Ihe amount in question, or report you as delinquent on then amount.
■	The charge in question moy remain on your statemenl, ond we may continue to charge you interest on that amovnl.
■	While you do red have Io pay the omoual in question, you ore responsible lor Ihe remainder of your balance.
■	We con apply any unpaid amount agoinsl your credil limit.
After we finish our Tnvestigatioo, one of Iwo things will happen:
■	If we made a m isfale: You will not have to pay ihe amount in question or any i nleresl of other fees related b that amovr.l.
■	I: we do net believe there was a mistake: You will have Io pay the amount in question, aksng wilh the applicable interest and lees. We will send you a statement of Ihe amount you awe ond the dote payment is due. We moy then report you os delinquenl if you do not pay the amount we think you owe.
If you receive our explanation bul slill believe your HI I 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 os delinquent without also reporting that you ore still querlioning your bill Wb must lett you the name of anyone to whom we report you os delinquenl, and we must let those organisations know when the matter has been settled between us. If we do nol follow all ol the rules obove, you do nol have la pay ihe first $50 ol ihe amount you question even if your bill is correct.
YOUR RIGHTS IFYOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
II you are dissatisfied wilh tbe goods or services Ihol you have purchased wilh your credit card, ond you have Iried in good faith to correct the probfem with the merchant, you may have die rignl nol Io pay the remaining amount due on the purchase.
To use this right, oil of the following must bo true:
I.	The purchase must have been mode In your home slate or within 100 miles of your current mailing address, ond the purchase price must have been more than $50. [MOTE: Neither of these ore necessary if your purchose was based on an advertisement we mailed kr you, or if vra awn the company that sold you the goods or services.)
2.	You musi have used your credil cord for ihe purchase. Purchases made wilh cash advances from on ATM or with o check that access your credit cord accounl do nol quality.
3.	You must nol yel have fully paid far Ihe purchase.
If all of the criteria above ore met ond you ore still dissatisfied wilh the purchase, contort us in writing of: APCO Employees Credit Union at P.O, Box 2288 Birmingham, Alabama 35201. While we Investigate, the some rules apply Io ihe disputed amouril as discussed above. After we linisli our invesligolioa, we will tell you our decision. Al that point, if we think you owe on amount ond you do not pay, we moy report you as delinquent.
DISCLOSURE OF FEES
ANNUAL PERCENTAGE RATE (APR) for purchases	10.9% You/ APR will not vary in relation io on index. However, all terms of your Visa Cord Agreement are subject to change with 45 days prior notice.
APR for Balance Transfers	10.9% Your APR will no! vary in relation to on index. However, all terms of your Visa Card Agreement are subject Io change with 45 days prior notice.
APR for Cash Advances	10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
How To Avoid Paying Interest on Purchases	You can ovoid interest on purchases billed during the cycle by paying the full amount of the new balance of purchases within 25 days of your statement closing dote.
Minimum Payment	4% of your total new balance or $20.00, whichever is greater.
For Credit Card Tips From The Consumer Financial Protection Bureau	To learn more about factors Io consider when applying for or using a credit cord, visit the website of the Consumer Financial Protection Bureau at http://wvAv.consumerfinance.gov/leommore
Fees
AnnualFee	None
Transaction Fees • Cosh Advances • Balance Transfers ® Foreign Transactions	1% of amount of cash advance bul nol less than $3.
	NONE
	1%
Penalty Fess •	Laie Payment •	Over the Limit	Up to $35
	NONE
Other Fees e Statement Replacement ® Visa Draft Replacemenl 0 Return Paymen!	$10
	$10
	$15
How We Will Calculate Your Balance. We use a method called the average daily balance, including new purchases.
Cash Back - 1% of all purchases. No cash back for closed or delinquent accounts.
Information about consumers' right to dispute transactions is included in account opening disclosures.
All terms ofyour Credit Card Agreement are subject to change with 45 days prior notice. The information about the costs of the card described tn this application is accurate as of January 1, 2014. This information may have changed after that date. To find out what may have changed, write to us at APCO EMPLOYEES CREDIT UNION, 750 17TH STREET NORTH, BIRMINGHAM, ALABAMA 35203 or call (205) 226-6800.
« Only 10.9 annual percentage rata
•	1 % Cash Back
•	No annual fee
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APCO Employees Credit Union 750 17th Street North Birmingham, AL 35203 (205) 226-6800