Visa Logo

Personal Credit Card Loan Application

Required Field

Loan Information

Are you applying as an individual or jointly?

Please indicate by your initials if you intend to apply jointly.

Applicant

How would you prefer to be contacted?

Housing Status

Applicant Employment

Have you worked here for more than three years? (No if unemployed)

Previous Employer (if less than three years at current)

Note: Alimony, Child Support or Separate Maintenance Incomes do not have to be revealed unless you wish to have them considered in loan qualification.

Financial Information

Do you have a checking account?

Do you have a savings account?

Co-Applicant

How would you prefer to be contacted?

Housing Status

Co-Applicant Employment

Have you worked here for more than three years? (No if unemployed)

Previous Employer (if less than three years at current)

Note: Alimony, Child Support or Separate Maintenance Incomes do not have to be revealed unless you wish to have them considered in loan qualification.

Financial Information

Do you have a checking account?

Do you have a savings account?

Credit Reference

List all debts, including second mortgage. Provide additional documentation if needed.

Lender

Add Another Lender

Credit Information

Have you or your co-applicant ever declared bankruptcy?

Have you or your co-applicant ever had a judgment?

Have you or your co-applicant ever had a repossession or foreclosure?

Do you expect any disruptions or decreases in income?

Automatic Loan Payment

Do you want your monthly payment automatically deducted from your checking or savings account?

Automatically transferred funds will be applied as my monthly payment on each monthly due date so long as there are adequate funds on deposit or there is available credit in my account, until the loan is paid or the Bank receives written notice to cancel. I understand the Bank reserves the right to terminate the automatic repayment plan without notice.

Interest Rates and Interest Charges

Purchases, Cash Advances & Balance Transfers

12.48% APR

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the closing 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. We will begin charging interest on cash advances and balance transfers on the transaction 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 http://www.consumerfinance.gov/learnmore

Fees

None

Penalty Fees

Up to $35

Transaction Fees
International Transaction

Up to 1% of the transaction amount in U.S. dollars

Cash Advance

Over The Counter

Either $1 or 2% of the amount of each cash advance, whichever is greater (maximum $20)

Obtained at an ATM

Either $1 or 2% of the amount of each cash advance, whichever is greater (maximum $20)

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement is submitted to obtain credit and I/ we certify that all information herein is true and complete. I / we agree that inquiries may be made to verify information and that credit references or verification may be given based on inquiries from other parties. This offer is subject to the credit policies of this institution. I / we agree to be bound by the terms and conditions of the bank card agreement, a copy of which will be mailed to the applicant if this application is granted, receipt of such agreement and acceptance of such terms to be conclusively presumed by the applicant's use. If this is a joint application, the undersigned shall be jointly and severally liable for any and all credit extended from time to time.

Transfer of Balance Request

Upon approval. I wish to transfer my present balance on the credit card account(s) listed below to my new credit card account.

Please send a copy of your last statement or drop off at your local branch.