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Digital Banking

VISA® Platinum Rewards and Platinum Credit Card Application

Henrico FCU offers some of the most affordable credit cards available. And, because it's a VISA® Credit Card, it's accepted by merchants around the world! With Henrico FCU's Digital Banking, it's easy to view transactions, statements, manage CURewards, and pay your bills, too! Control all aspects of your new Visa® when it's most convenient for you.  Plus, with EMV chip technology your purchases are even more secure. Fill out the information below and once you are approved, Henrico FCU will send your new card right away!


 Type of Credit Requested

Type of Credit Requested

Credit Card Type*

Visa Platinum Rewards
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Individual Applicant Information

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Income / Expense Information

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Income Per

Income Per
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Housing Type

Housing Payment Type

Income from alimony, child support, or separate maintenance payments need not be revealed if you do not choose to disclose it as income.

Additional Income Per

Additional Income Per

Income from alimony, child support, or separate maintenance payments need not be revealed if you do not choose to disclose it as income.



Joint Application Information

Check here if Joint Applicant

Income Per

Income Per

Housing Payment Type

Housing Payment Type

Add Authorized User


Save Money Transferring Your Higher Rate Balances


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Signatures

You warrant the truth of the above information and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to investigate and verify any information provided to Us by You. If this Application is for any Credit Card contained in Our Credit Line Account Program, You agree and understand that if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Federal Disclosure Statement. You will receive a copy of such Agreement And Disclosure no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If this is a joint application, You agree that such liability is joint and several. You authorize Us to accept Your facsimile signatures on this application and agree that Your facsimile signature will have the same legal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature. If You are issued a Credit Card, You grant and consent to a lien on Your shares with Us (except those deposits established under a governmental approved tax deferral plan such as IRA and Keogh accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance and/or Overdraft Line of Credit balance created through the use of Your ATM card or debit card.

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EARLY CREDIT CARD DISCLOSURE

VISA PLATINUM/VISA PLATINUM REWARDS

IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card is accurate as of the effective date of August 9, 2016.  You can call Us at (804) 266-0290 or write Us at 9401 West Broad Street, Henrico, Virginia 23294 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges

  Visa Platinum Visa Platinum Rewards
Annual Percentage Rate (APR) for Purchases

1.90% Introductory APR for 6 months

After that, Your APR will be 9.90% - 17.90% based on Your creditworthiness at the time You established Your account.

1.90% Introductory APR for 6 months

After that, Your APR will be 10.90% - 17.90% based on Your creditworthiness at the time You established Your account.

APR for Balance Transfers

1.90% Introductory APR for 6 months

After that, Your APR will be 9.90% - 17.90% based on Your creditworthiness at the time You established Your account.

1.90% Introductory APR for 6 months

After that, Your APR will be 10.90% - 17.90% based on Your creditworthiness at the time You established Your account.

APR for Cash Advances

1.90% Introductory APR for 6 months

After that, Your APR will be 9.90% - 17.90% based on Your creditworthiness at the time You established Your account.

1.90% Introductory APR for 6 months

After that, Your APR will be 10.90% - 17.90% based on Your creditworthiness at the time You established Your account.

How to Avoid Paying Interest on Purchases We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.
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 www.consumerfinance.gov/learnmore

 

Fees

Penalty Fees:
    Late Payment Fee up to $25.00
    Returned Payment Fee up to $15.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases). "
   
For additional information, contact us at 888.HFCU.ASK.