Check below to indicate the type of account for which you are applying.
Married applicants may apply for separate accounts.
 
Application information can be entered and submitted online from your computer.
Application information can also be entered and then printed to be mailed, faxed (816) 364-1649 or brought into the credit union.

Once the application has been received, a credit union representative will contact you.
 
Credit Card Account: Individual Joint
 
Applicant Information
Social Security Number:
NAME (Last, First, Initial):
Present Address (Street - City - State - Zip) :
  ,
Home Phone Number: Date of Birth:
Daytime Phone Number:
Number of dependents (excluding self) :
Years at Current Address: Monthly Payment : $
Rent
Mortgage
Live with parents
 
Employment/Income
Current Employer: Years There :
Address (Street - City - State - Zip) :
  ,
Work Phone:  
Name of Supervisor: Position:
Employment Income: $ Gross Per:
 
Former Employer: Years There :
Address (Street - City - State - Zip) :
  ,
 
Other Income Source: Amount: $
 
Joint Applicant Information
Social Security Number:
NAME (Last, First, Initial):
Present Address (Street - City - State - Zip) :
  ,
Relationship to Applicant: Date of Birth:
Employment/Income
Current Employer: Years There :
Address (Street - City - State - Zip) :
  ,
Work Phone:  
Employment Income: $ Gross Per:
 
Signatures

In the event the credit card applied for above is issued, I (we) agree to read and comply with the terms of the agreement which will be furnished to me (us) upon approval of the card. I (we) further agree that the Credit Union may contact any source necessary to determine my (our) credit and financial responsibility. The above information is true and complete to the best of my (our) knowledge.

I (we) grant a security interest in all present and future share accounts with the Credit Union (except IRA Accounts) to secure this Visa account.

 
Applicant Signature : ___________________________ Date: ________________________
 
Joint Applicant Signature : ___________________________ Date: ________________________


By submitting this application, I certify that statements on this application are
true and correct and
I authorize Postal & Community Credit Union to obtain a credit report in
conjunction with this application for credit and for any update,
renewal or extension of the credit received.
VISA
Credit Card Disclosure
Annual Percentage Rate (APR) for
Purchases, Cash Advances and Balance Transfers
As low as 7.90%


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: 7.90% to 15.90% when you open your account, based on your credit worthiness.

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you 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 Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Transaction Fees - Foreign Transaction Fee: None
Penalty Fees - Late Payment Fee: Up to $15.00

How We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Effective Date: The information about the costs of the card described in this application is accurate as of July 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.