MasterCard 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 MasterCard Credit Card request *
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
Name *
Name
Home Phone *
Home Phone
Work Phone
Work Phone
Home Address *
Home Address
Living Situation *
Previous Address
Previous Address
Employment Information
RETIREES: If you are retired, please enter "Retired" in all the fields below.
Credit References
Co-Applicant
If there is a co-applicant, ALL of the following information must be entered in order for your loan request to process.
Name
Name
Home Phone
Home Phone
Work Phone
Work Phone
Home Address
Home Address
Living Situation
Co-Applicant Employment Information

*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 MasterCard program is contained in the "Qside FCU MasterCard 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 MasterCard Classic cards; 9.9% for Purchases and Cash Advances on MasterCard Platinum Rewards cards; and 8.9% for Purchases and Cash Advances on MasterCard 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 MasterCard Classic cards; $25.00 for MasterCard Platinum Rewards cards; and $25.00 for MasterCard 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.