Georgia
State University Federal Credit Union
CREDIT APPLICATION:
VISA Classic, VISA Gold or VISA Platinum |
Check
Account Choice (only one):. |
|
|
|
|
Credit
Limit Requested__________________
Credit Union Account No.________________ |
|
APPLICANT
Note: All applicable sections should be filled out completely.
Failure to do so may delay your application processing. |
| Last
Name |
Middle
|
First
|
Social
Security No. |
Driver's
License No. |
| ______________________________________________________________________________________________ |
| Date
of Birth |
Age
of Dependents |
Home
Telephone # |
|
Monthy
Payment $ |
| ______________________________________________________________________________________________ |
| Street
Address |
City
|
State
|
Zip
Code |
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Previous
Address |
|
|
|
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Employment
|
Self
Employment |
|
Telephone
Number |
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Address
|
|
Position/Occupation |
|
Monthly
Gross Income? |
| ______________________________________________________________________________________________ |
| Name &
Address of Previous Employer |
|
|
|
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Nearest
Relative (Not Living with you) Home
Telephone Number |
Relationship
|
| ______________________________________________________________________________________________ |
| Their
Address |
City
|
State |
Zip Code |
|
| ______________________________________________________________________________________________ |
| Source
of Additional Income* |
|
|
|
Amount
per Month $ |
| ______________________________________________________________________________________________ |
| * You need
not furnish alimony, child support or maintenance income information
if you do not want us to consider it in evaluating your application. |
|
|
CO-APPLICANT
or SPOUSE
Complete this section only if co-applicant or spouse is applying
for a joint account |
| Last
Name |
Middle
|
First
|
Social
Security No. |
Driver's
License No. |
| ______________________________________________________________________________________________ |
| Date
of Birth |
Age
of Dependents |
Home
Telephone # |
|
Monthy
Payment $ |
| ______________________________________________________________________________________________ |
| Street
Address |
City
|
State
|
Zip
Code |
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Previous
Address |
|
|
|
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Employment
|
Self
Employment |
|
Telephone
Number |
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Address
|
|
Position/Occupation |
|
Monthly
Gross Income? |
| ______________________________________________________________________________________________ |
| Name &
Address of Previous Employer |
|
|
|
How
Many Years ? |
| ______________________________________________________________________________________________ |
| Nearest
Relative (Not Living with you) Home
Telephone Number |
Relationship
|
| ______________________________________________________________________________________________ |
| Their
Address |
City
|
State |
Zip Code |
|
| ______________________________________________________________________________________________ |
| Source
of Additional Income* |
|
|
|
Amount
per Month $ |
| ______________________________________________________________________________________________ |
| * You need
not furnish alimony, child support or maintenance income information
if you do not want us to consider it in evaluating your application. |
|
|
| APPLICANT
REFERENCE |
Name
and Address
of Nearest ................................................................................................
Relative Not
Living With You |
Relationship |
| Home
Phone |
|
| OTHER
REFERENCE |
Name
and Address
of Nearest ................................................................................................
Relative Not
Living With You |
Relationship |
| Home
Phone |
|
| WHAT
YOU OWE |
| |
Creditor
Name Other Than This Credit Union (Attach additional sheet(s)
if necessary) |
Interest
Rate |
Present
Balance |
Monthly
Payment |
|
| |
Rent |
| |
1st
Mortgage |
| (include
Tax & ins.) |
|
|
|
$ |
$ |
|
|
| 2nd
Motgage |
|
|
$ |
$ |
|
|
| 1st
Auto Loan |
|
|
$ |
$ |
|
|
| 2nd
Auto Loan |
|
|
$ |
$ |
|
|
| Child-Care |
|
|
$ |
$ |
|
|
| Child
Support |
|
|
$ |
$ |
|
|
| Credit
Card |
|
|
$ |
$ |
|
|
| Credit
Card |
|
|
$ |
$ |
|
|
| Other |
|
|
$ |
$ |
|
|
| Other |
|
|
$ |
$ |
|
|
List
any names under which your credit references and
credit history can be checked: |
Totals |
$ |
$ |
|
|
|
| WHAT
YOU OWN |
| |
List
Location of Property or
Financial Institution |
Market
Value |
Pledged
As Collateral
For Another Loan |
|
| Home |
|
$ |
|
YES |
|
NO |
|
|
| Auto |
|
$ |
|
YES |
|
NO |
|
|
| Savings |
|
$ |
|
YES |
|
NO |
|
|
| Checking |
|
$ |
|
YES |
|
NO |
|
|
Other
(Describe) |
|
$ |
|
YES |
|
NO |
|
|
|
| OTHER
INFORMATION ABOUT YOU |
| If
you answer "YES" to any questions other than #1, explain
on an attached sheet |
APPLICANT |
OTHER |
| YES |
NO |
YES |
NO |
| Are
you a U.S. citizen or permanent resident alien? |
1. |
|
|
|
|
| Do
you currently have any outstanding judgements or have
you ever filed for bankruptcy, had a debt adjustment plan
confirmed under chapter 13. had property foreclosed upon
or repossessed in the last 7 years, or been a party in
a lawsuit |
2. |
|
|
|
|
| Is
your income likely to decline in the next two years? |
3. |
|
|
|
|
Are
you a co-maker, co-signer or guarantor on any loan not
listed above?
For
whom(Name of others obligated on loan):
To who (Name of creditor): |
4. |
|
|
|
|
|
|
CREDIT DISCLOSURE
See brochure for information on periodic finance charge calaulation
method |
| Annual
Percentage Rate for Purchase |
Other
Annual Percentage Rate
(Cash advance and balance transfer)
|
Annual
Membership Fee |
Grace
Period |
Method
For Computing The Balance |
Late
Payment Fee |
Over-the-Credit-Limit
Fee |
VISA
Platinum
8.90% |
VISA
Platinum
8.90% |
None |
25
Days |
Average
Daily Balance
Excluding New Purchases* |
$20.00 |
$25.00 |
VISA
Gold
10.80% |
VISA
Gold
10.80% |
None |
25
Days |
$20.00 |
$25.00 |
Classic
VISA
12.84% |
Classic
VISA
12.84% |
None |
25
Days |
$20.00 |
$25.00 |
Secured
VISA
14.88% |
Secured
VISA
14.88% |
$15 |
25
Days |
$20.00 |
$25.00 |
The
information listed above was accurate as of December 2002. Because
rates and terms are subject to change, you may contact the credit
union for the current information by writing to the Georgia
State University Federal Credit Union, University Plaza, Atlanta,
GA 30303-3083.
A finance charge will be assessed on cash advance from the date
of the cash advance, or the first day of the billing cycle in
which the cash advance is posted, whichever is later, and will
continue to accrue until payment in full is posted. |
|
|
| STATE
LAW NOTICES |
| OHIO
RESIDENTS ONLY: the
Ohio laws against discrimination require that all make credit
equally available to all creditworthy customers, and that
credit reporting agencies maintain separate credit histories
on each individual upon request. The Ohio Civil Rights Commission
administers compliance with this law.
WISCONSIN
RESIDENTS ONLY: (1)
No provision of any marital property agreement, unilateral
statement under Section 766.70 will
adversely affect the rights of the Credit Union unless the
Credit Union is
furnished a copy of the agreement, statement or decree, or
has actual knowledge of its terms, before the credit is granted
or the account is opened. (2) Please sign if you are not applying
for this account or loan with your spouse. The credit being
applied for, if granted, will be incurred in the interest
of the marriage or family of the undersigned.
| X_______________________________________________ |
| Signature
For Wisconsin Residents Date |
|
|
|
| SIGNATURES |
| 1.
You promise that everything you have stated in this application
is correct to the best of your knowledge. If there are any important
changes you will notify use in writing immediately You authorize
the Credit Union to Obtain credit reports in connection with
its 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 federal crime to willfully and deliberately provide incomplete
or incorrect information on loan applications made to federal
credit unions or state chartered credit unions insured by NCUA. |
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 credit card agreement and disclosures.
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. When you are in default,
you authorize us to to apply the balance in these accounts to
any amounts due. Shares and deposits in an individual Retirement
Account, and 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 share and deposits. |
| X___________________________________________ |
X_____________________________________________ |
| Applicant
Signature/Share Account Date |
Co-applicant
Signature/Share Account No. Date |
|
| FOR
CREDIT UNION USE ONLY |
| DATE |
|
|
APPROVED
LIMITS: |
|
|
|
|
DEBIT
RATIO/SCORE
BEFORE AFTER |
|
LOAN OFFICER
COMMENTS:
______________________________________________________________________________________________ |
| SIGNATURES: |
| X___________________________________________ |
X_____________________________________________ |
|
Date |
Date |
|
|
|
