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Visa Application / Application for Credit Limit Increase

Important Instructions:
Complete the "Applicant" portion to apply for credit (or credit increase) in your name only. To apply for a joint account (or credit increase on an existing joint account), you must complete the "Applicant" portion, and the joint applicant must complete the "Co-Applicant" portion. Both applicant and co-applicant must belong to Qside Federal Credit Union, and both assume responsibility for any charges made to the account. Availability of an individual account with an authorized user depends on the board policy.

Loan Information:

Type of Visa Credit Card request*:
Credit limit requested *:
Number of cards requested *:
Promo Code:
Do you plan on transferring balances from a non-Qside credit card to this credit card? *:
How did you hear about Qside's credit card products? *:


Primary Applicant

First Name*: Last Name*:
Social Security Number*: Date of Birth*:
Home Phone*:
Work Phone:
Email Address*:
Home Adress*:
City*:
State*: Zip*:
Living Situation*:
  Number of years residing there*
Previous Adress:
City:
State: Zip:


Employment Information

RETIREES: If you are retired, please enter "Retired" in all the fields below.

Employer*:
Job Title*:
Start Date*:
Gross Yearly Income*:
Gross Monthly Income*:
Other Income and Source:***
Former Employer*:
Job Title at Former Employer*
Length of Employment
at Former Employer*:


Credit References

Monthly Mortgage/Rent Payment*:
Mortgage Balance:
Approx. Market Value of House:
Checking account with:
Savings account with:

 



Co-Applicant
If there is a co-applicant, ALL of the following information must be entered in order for your loan request to process.

First Name: Last Name:
Relationship: Social Security Number:
Date of Birth:
Home Phone:
Work Phone:
Email Address:
Home Adress:
City:
State: Zip:
Living Situation:
  Number of years residing there:
  Monthly Mortgage /Rent Payment:


Co-Applicant Employment Information

Employer:
Job Title:
Start Date:
Gross Yearly Income:
Gross Monthly Income:
Other Income and Source:***
Former Employer:
Job Title at Former Employer
Length of Employment
at Former Employer:



*required

***Alimony or child support or maintenance payments are optional information and need not be revealed if the applicant does not choose to rely on such income in applying for credit.

A complete description of our Visa card program is contained in the "Qside FCU Visa Cardholder Agreement and Disclosure." You may obtain a copy by writing Qside FCU, you need not apply first.

Disclosures:

  • Annual Percentage Rate = 12.9% for Purchases and Cash Advances on Visa Classic cards; 9.9% for Purchases and Cash Advances on Visa Platinum Rewards cards; and 8.9% for Purchases and Cash Advances on Visa Platinum cards
  • Grace Period = 25 days starting with the billing date on the statement
  • Method of Computing the Balance = Average Daily Balance Method (including new purchases)
  • Annual Fee = None
  • Minimum Finance Charge = None
  • Transaction Fee for Purchases = None
  • Late Payment Fee = $15.00 for Visa Classic cards; $25.00 for Visa Platinum Rewards cards; and $25.00 for Visa Platinum cards


We will begin processing this request immediately after receiving it. A loan officer may contact you for further information in order to process your application and a form requesting your signature will be forwarded to you soon to complete the application process.

You authorize Qside Federal 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 Qside Federal Credit Union will rely on the information in this application and your credit report to make its decision.  If you request, Qside Federal Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you.

This statement is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (We) also authorize the Credit Union to verify or obtain further information the Credit Union may deem necessary concerning my (our) credit standing. If this application is approved and a Credit Card(s) issued, the undersigned applicant(s) by signing, using or permitting another to use the Credit Card(s) agree(s) that the applicant(s) will be bound by the terms and conditions accompanying the Credit Card(s) and all amendments. I (We) hereby acknowledge receipt of the Credit Union Credit Card Agreement and Disclosure and Billing Rights that inform me (us) of the terms, responsibilities and rights as a Qside Federal Credit Union Credit Card account user.

 

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