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

If you intend to apply for credit with Co-applicant, enter Applicant's initials:

If you intend to apply for credit with Co-applicant, enter Co-Applicant's initials:


Credit Card Type

Amount Requested ($)



Individual Applicant Information

Member #

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*

MI

*
*
*
*

How long have you lived at your current residence?

Home Phone

*

Work Phone

SSN

*

Mother's Maiden Name

Email

Last Name

Address


Income / Expense Information

Applicant's Employer

Date Employed

Position

Income
(You may need to supply a copy of your most recent paystub and/or verification of income.)

Income Per

Rent or Mortgage Payment

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 Source

Additional Income Gross Amount

Additional Income Per



Joint Application Information

Last Name

First Name

MI

Address

City

State

Zip

Phone

Relationship to Applicant

SSN

DOB

Mother's Maiden Name

Co-Applicant's Employer

Date Employed

Position

Current Income
(You may need to supply a copy of your most recent paystub and/or verification of income.)

Income Per

Rent or Mortgage Payment

Housing Payment Type


Add Authorized User

Name

SSN

Date of Birth


Save Money Transferring Your Higher Rate Balances

1st Credit Card Institution / Company Name

Account Number

Payoff Amount

Credit Card Company's Mailing Address

City

State

Zip

2nd Credit Card Company's Mailing Address

Account Number

Payoff Amount

Credit Card Company's Mailing Address

City

State

Zip

3rd Credit Card Institution / Company Name

Account Number

Payoff Amount

Credit Card Company's Mailing Address

City

State

Zip


AUTHORIZATION

This statement is submitted to obtain credit, and I certify that all information herein is true and complete. I also authorize the credit union to verify or obtain further information the credit union may deem necessary concerning my credit standing. If this application is approved, and a VISA Credit Card is issued, the undersigned applicant(s) by signing, using or permitting others to use the VISA Credit Card agrees that the application will be bound by the terms and conditions of the VISA Agreement and all amendments.

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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 May 1, 2015. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER 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