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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 Internet 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 new 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


Credit Card Type*

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Individual Applicant Information

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Income / Expense Information

Income Per

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



Joint Application Information

Income Per

Housing Payment Type


Add Authorized User


Save Money Transferring Your Higher Rate Balances


CONSENSUAL SECURITY INTEREST

You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.

By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower; or (ii) you cease to be a covered borrower.

SIGNATURES

By signing or otherwise authenticating below:

  1. You promise that everything you have stated in this application is correct to the best of your knowledge, and that the above information is a complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.
  2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card Agreement and Disclosure.
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APPLICATION AND SOLICITATION DISCLOSURE
VISA PLATINUM/VISA PLATINUM REWARDS

Interest Rates and Interest Charges

  Visa Platinum Rewards Visa Platinum
Annual Percentage Rate (APR) for Purchases 1.90% Introductory APR for a period of six billing cycles.

After that your APR will be 10.90% to 17.90%, based on creditworthiness.
1.90% Introductory APR for a period of six billing cycles.

After that your APR will be 9.90% to 17.90%, based on creditworthiness.
APR for Balance Transfers 1.90% Introductory APR for a period of six billing cycles. After that your APR will be 10.90% to 17.90%, based on creditworthiness. 1.90% Introductory APR for a period of six billing cycles. After that your APR will be 9.90% to 17.90%, based on creditworthiness.
APR for Cash Advances 1.90% Introductory APR for a period of six billing cycles. After that your APR will be 10.90% to 17.90%, based on creditworthiness. 1.90% Introductory APR for a period of six billing cycles. After that your APR will be 9.90% to 17.90%, based on creditworthiness.
Penalty APR and When it Applies None
Minimum Interest Charge None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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

Annual Fee None
Transaction Fees:
    Balance Transfer Fee None
    Cash Advance Fee None
    Foreign Transaction Fee None
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)."

Effective Date: The information about the costs of the card described in this application is accurate as of August 09, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Platinum Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
OTHER FEES & DISCLOSURES
 Late Payment Fee $25.00 or the required minimum payment, whichever is less, if you are one (1) or more days late making a payment.
 Returned Payment Fee $15.00 or the required minimum payment, whichever is less.
 Document Copy Fee $10.00
 Card Replacement Fee $10.00
For additional information contact us at 888.HFCU.ASK