LAST NAME FIRST NAME MIDDLE INITIAL
ADDRESS CITY STATE ZIP
SOCIAL SECURITY NUMBER DRIVER’S LICENSE
DL#: State: Issue Date: Exp. Date:
DATE OF BIRTH HOME PHONE EMAIL ADDRESS
MONTHLY RENT/MORTGAGE PAYMENT
$ Rent Own
EMPLOYER YEARS EMPLOYED
BUSINESS PHONE
Years living here: _________
GROSS MONTHLY INCOME FROM ALL SOURCES*
$ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered.
Complete the following information:
If you are not already a member, please check the appropriate box.
Faculty
Staff
Alumni
Student
Family
Other___________________________
BE SURE TO INCLUDE A PHOTOCOPY OF
Application PRIMARY APPLICANT INFORMATION
Trojan Rewards MastercardApplication Form
CO-APPLICANT INFORMATION
In this section, “ ” “ ” and “ ” mean each and all the applicants for this account: certify, under penalty of perjury, that the information provided in this application is true and correct. authorize the Credit Union to gather whatever credit and employment information it considered appropriate from time to time. authorize the Credit Union to give information concerning its experiences with me to others. agree that the Credit Union may retain this application and any other credit information it may receive. agree that by using, or authorizing another to use the account, will be bound by the terms and conditions of the Credit Card Agreement, which will be provided to if application is approved and before the first transaction is made.
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 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. You understand that 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. If you are not already a member, you hereby apply for membership in the credit union and agree to abide by its Bylaws and all applicable disclosures and agreements. You acknowledge and agree that membership in the credit union is required in order to obtain any loan, to open a share account, or to obtain any services from the credit union. However, if your loan application is approved, we will pay the membership fee for you. If your application is not approved, membership will not be extended. Your acceptance and/or use of any remote access services (such as ATM cards or Phone Assistance Line services) shall certify your agreement to be bound by the agreements in the credit union’s Disclosure and Agreement and Electronic Services Agreement.
PRIMARY APPLICANT’S SIGNATURE DATE
X
CO-APPLICANT’S SIGNATURE DATE
X
I am currently subject to backup withholding.
I am currently subject to backup withholding.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for 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.
Taxpayer Identification Number: Under the penalties of perjury, you certify that: (1) the taxpayer identification number (Social Security Number) shown on this form is your correct taxpayer identification number (or you are waiting for a number to be issued to you; and (2) you are not subject to backup withholding because (a) you are exempt from backup withholding or (b) you have not been notified by the IRS that you are subject to backup withholding as a result of a failure to report all interest or dividends or (c) the IRS has notified you that you are no longer subject to backup withholding; and (3) you are a U.S. Person (including a U.S. resident alien). You must cross out item (2) above and check the box below if you have been notified by the IRS that you are currently subject to backup withholding because ofunderreporting of interest or dividends on your tax return.
Note: The IRS does not require your consent to any provision of this application other than the certification required to avoid backup withholding.
Once your loan application is completed, you may fax it to us at 213.821.7151 or mail in a sealed envelope to:
USC Credit Union PO Box 512718 Los Angeles, CA 90051-0718
R 4/1
LAST NAME FIRST NAME MIDDLE INITIAL
ADDRESS CITY STATE ZIP
SOCIAL SECURITY NUMBER DRIVER’S LICENSE
DL#: State: Issue Date: Exp. Date:
DATE OF BIRTH
Rent Own
HOME PHONE EMAIL ADDRESS
BUSINESS PHONE
Credit Limit Requested:
$ USCCU Account #:
MONTHLY RENT/MORTGAGE PAYMENT
$ GROSS MONTHLY INCOME FROM ALL SOURCES*
$ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered.
Complete the following information:
Co-applicant:
Years living here: _________
EMPLOYER YEARS EMPLOYED
Please indicate whether you will be applying for individual or joint credit. NOTE: Married applicants may apply for individual credit. Select Joint Credit if 1) this is to be a joint account; 2) another person will use this account; or 3) you are relying on the income of another person as a basis for repayment of the credit requested.
Individual Joint (with another individual) Please initial here: I/We intend to apply for joint credit: __________ / __________ Applicant: Married Separated Unmarried (single, divorced, widowed)
Marital Status: Complete if you live in a community property state or if you live in a non-community property state and are applying for a secured credit card or a joint credit card account. Complete co-applicant if applicable.
Married Separated Unmarried (single, divorced, widowed)
Rent Own
Membership eligibility:
YOUR VALID STATE ID OR DRIVER’S LICENSE.
TERMS AND CONDITIONS
In signing and returning this application to USC Credit Union (herein referred to as “Credit Union”), you certify that you have read the terms and conditions and the information you have provided is true and correct to the best of your knowledge. You certify that you are at least 18 years of age or older as required to satisfy the minimum legal contracting age of your state and you are a United States citizen or a permanent resident alien of the United States. You also authorize Credit Union to review your credit and employment history and any other information the Credit Union may receive in order to process your application. You understand that the credit line on this account will be determined after a review of your application by Credit Union and will be based on various factors, including income. The minimum approved credit line is $500. Credit Union maintains the right not to open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if you do not meet Credit Union’s standards for creditworthiness; b) your name and/or mailing address have been altered; or c) based upon your income reported on this application and/or other factors, the Credit Union in unable to establish that you have the ability to repay the account assuming full utilization of the approved credit limit. You understand you have the right to review your credit history by contacting the credit reporting agencies. The Credit Union may change the APRs, fees, and other terms of your account at any time in accordance with applicable law and the Account Agreement, which the Credit Union will send you when your account is opened. Factors the Credit Union may consider in determining whether and how to change your terms include the frequency and severity of defaults and other indications of risk on accounts with Credit Union and other creditors. To the extent allowed by law, the new terms will affect all outstanding balances. The terms of this offer may not be applied to existing Credit Union accounts. This offer is nontransferable and is void to residents of GU, PR, VI, and all other U.S. dependent areas.
By requesting a Balance Transfer, you authorize the Credit Union to pay the listed account(s) by utilizing your USC Credit Union MasterCard credit card account. You understand that you are applying for a transfer amount up to the total amount listed on your Balance Transfer request. Balance transfers are processed in the order listed and for the amount requested , or up to your available credit line. Your 0% APR promotional rate will be in effect for the first 15 billing cycles. After that, your interest will accrue at the standard rate for balance transfers (11.65% - 18.65% based on your creditworthiness). The Credit Union will not be responsible for any charges, fees, or transactions billed to you by the accounts listed on the balance transfer form. USC Credit Union is not responsible for satisfying any obligation you may have regarding a payment due to the below creditor(s) by a specific date. You will continue to make payments until the balance transfer is complete. You understand that Credit Union will advise you if it is unable to process your transfer request for any reason. You may not transfer balances to pay any existing USC Credit Union account. You agree to abide by the complete terms and conditions of this account that will accompany your card when delivered.
Platinum Rewards program is offered to certain cardholders at the sole discretion of USC Credit Union. Program may be revised or terminated at any time without notice. 1. Every dollar in qualifying purchases, net of returns, that the cardholder ("Participant") charges to their credit card account that is eligible for this Rewards Program ("Program") earns Participant
one Point ("Point") as provided for in the Program Rules & Conditions. 2. Participant shall earn double reward Points, net of returns, for qualifying gas and grocery purchases (up to an annual combined total purchases amount of $5,000) when such purchases are made using their
eligible credit card. For gas and grocery purchases exceeding the annual $5,000 cap, such purchases shall accrue a single Point for each qualifying purchase, net of returns. 3. No points are earned for finance charges, fees, cash advances, balance transfers, convenience checks, foreign transaction currency charges, or insurance charges posted to Participant’s account. Charges or
transactions may be added to, or removed from, the above lists of eligible charges and transactions from time to time at the sole discretion of the Program or the Sponsor credit union. Any questions as to what constitutes an eligible charge shall be resolved by the Program or the Sponsor credit union, in its/their sole and absolute discretion. Points for this Program begin to accumulate with purchases Participant makes beginning on the first day of the billing cycle in which their Program begins and ending on the last day of the last billing cycle of the announced duration of their Program. Points earned from net purchases and point adjustments made between billing cycles will be deemed as earned after being posted to their next monthly card statement.
4. Points will expire four (4) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (i.e., points earned in calendar year one will expire on the last business day of calendar year five).
USC Credit Union Rewards Credit Card Disclosure Information: Please retain for your records.
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Promotional Purchases
0.00% intro APR for purchases made within the first 6 months that your account is open. All purchases,
net of returns, qualify for the promotional APR. The promotional rate will remain in effect for the first 15 billing cycles, thereafter, the standard rate for purchases applies.
Annual Percentage Rate (APR) for Purchases 11.65% to 18.65% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Promotional Balance Transfers 0.00% intro APR for balance transfers for the first 6 months that your account is open. Except for existing USC Credit Union loans, all balance transfers qualify for the promotional APR. The promotional rate will remain in effect for the first 15 billing cycles, thereafter the standard rate for balance transfers applies.
APR for Balance Transfers 11.65% to 18.65% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 11.65% to 18.65% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 13.65% to 20.65% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a late payment in two consecutive billing cycles.
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Minimum Interest Charge The minimum interest charge is $0.50.
How to Avoid Paying Interest on Purchases Your due date is 27 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 Federal Reserve Board 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 Annual Fee None. Transaction Fees -Promotional Balance Transfers -Balance Transfer-Cash Advances
-2% of the total amount transferred per transaction or $10, whichever is greater. -No fee for balance transfers following the end of the qualification period. -2% of the amount of the Cash Advance, but not less than $10 nor greater than $50 per Cash Advance.
Penalty Fees -Late Payment -Returned
-Up to $10 if the Minimum Payment Due is not paid within 10 days of the Payment Due Date. -Up to $24
Rev 05/18
How We Will Calcuate Your Balance We use a method called "Average Daily Balance (including Current Transactions)." The information about the costs of the card described in this application is accurate as of February 1, 2018. This information may have changed after that date. To find out what may have changed, call us at 877-670-5860.