VISA Application VISA & VISA Platinum Credit Cards Building a successful financial plan takes the right resources. That's why we work hard to provide you with quality financial services and products. Like our convenient, flexible Visa & Visa Platinum Credit Cards. They're accepted at thousands of locations worldwide for just about any type of purchase you can dream up. And unlike those big out-of-town institutions, our card comes with the personal, friendly service you've come to expect from us. So, whatever your plans, choose the credit card that gives you all the value and buying power  you need to get your projects off the drawing board. Visa Platinum Credit Card for the purchase of goods or services, the following benefits are yours! Scorecard Bonus Points Earn Bonus Points fro every net retail purchase you make with our Metro Shores Credit Union Credit Card! You can redeem Bonus Points for brand-name merchandise and exciting travel awards.  Visit www.scorecardrewards.com and browse the current award selections. You'll be amazed at what ScoreCard has to offer! To find out how the plan works, ask one of our friendly representatives. Interest Rates and Interest Charges Visa Visa Platinum Annual Percentage Rate (APR) for Purchases 11.88% Fixed 8.88% Fixed APR for Balance Transfers 11.88% Fixed 8.88% Fixed APR for Cash Advances 11.88% Fixed 8.88% Fixed Penalty APR and When it Applies None None Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge None 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 web site of the Consumer Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Visa Visa Platinum Annual Fee None None Transaction Fees Balance Transfer Cash Advances Foreign Transaction None None None Penalty Fees Late Payment Over-the-Credit Limit Returned Payment Up to $25.00 None Up to $30.00 Other Fees Card Replacement Fee Rush Card Fee   $10.00 $15.00 How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement. Billing RIghts: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. (734) 676-5666   VISA Application * Required Field   Credit limit requested * Account #   Check Account Choice: (Signature required for joint application) Classic Platinum   Account Type (If applying for joint credit, please enter in initials) Individual Account Joint Account Credit Limit Increase Shared Secured   Check Card Choice VISA VISA Platinum WE WILL REQUIRE A COPY OF YOUR CURRENT PAYSTUB OR W2 AS PROOF OF INCOME AT THE TIME YOUR APPLICATION IS SUBMITTED IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal laws require all financial institutions to obtain, verify and record information that identifies each person who opens an Account. What this means to you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Applicant Note: All applicable sections should be filled out completely to avoid delay in processing your application. * Last   First   Middle   Social Security Number - -   Date of Birth / / (mm/dd/yyyy) * Home Phone () -   Cell Phone () -   Own Rent Other   Monthly Payment * Current Address * City * State -- Choose State -- Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Marianas Islands Ohio Oklahoma Oregon Pennsylvania PuertoRico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming * Zip Code   How Long (yrs)   Work Phone () - ext   Mailing Address (If different than above)   City   State -- Choose State -- Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Marianas Islands Ohio Oklahoma Oregon Pennsylvania PuertoRico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming   Previous Address (If less than 2 years at present address)   City   State -- Choose State -- Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Marianas Islands Ohio Oklahoma Oregon Pennsylvania PuertoRico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming   Zip Code   How Long (yrs)   Employer   Self Employed Yes No   Work Phone () -   Date Employed / / (mm/dd/yyyy)   Employer Address   Position/Occupation   Monthly Gross Income   Name and Address of Prevous Employer (if less than 2 years at present employer)   How Long (yrs)   Source of Additional Income Income from alimony, child support or separate maintenance need not be revealed if it is not considered in determining creditworthiness.   Amount per Month   Nearest Relative (Not Living With You)   Home Phone () -   Relationship Co-Applicant Intended for joint applicant, this information is not required for an individual account.   Last Name   First Name   Middle Name   Social Security Number - -   Date of Birth / / (mm/dd/yyyy)   No. of Dependents   Home Phone () -   Cell Phone () -   Monthly Payments   Current Address   City   State -- Choose State -- Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Marianas Islands Ohio Oklahoma Oregon Pennsylvania PuertoRico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming   Zip Code   How long (yrs)   Previous Address (if less than 2 years at present address)   City   State -- Choose State -- Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Marianas Islands Ohio Oklahoma Oregon Pennsylvania PuertoRico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming   Zip Code   How Long (yrs)   Employer   Self Employed   Work Phone () - ext   Date Employed / / (mm/dd/yyyy)   Address   Position/Occupation   Monthly Gross Income CREDIT INFO (Attach additional sheets if necessary)   Name and Address of Creditor Name Account Carried Under Account Number Balance Monthly Payment 1. Home Mortgage/Rent 2. Bank Credit Card/Bank Name Address CREDIT INFO FOR CO-APPLICANT   Name and Address of Creditor Name Account Carried Under Account Number Balance Monthly Payment 1. Home Mortgage/Rent 2. Bank Credit Card/Bank Name Address Click here to read Electronic Funds agreement. SIGNATURES 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 cardholder 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 you intend to apply for joint credit, the undersigned shall be jointly and severally liable for any and all credit extended from time time. We may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. I hereby agree to grand security interest in any deposit accounts or other funds held by the credit union to secure my obligations under this credit plan. Code What's this? Metro Shores Credit Union 2360 West Jefferson Trenton, Michigan 48183 (734) 676-8666 Fax: (734) 676-5759 info@metroshores.org