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Home > Member Resources > Forms & Applications > GEMC Credit Union Student Secured Visa Application

Student Secured Visa Application

Interest Rates and Interest Charges

  Student Secured Visa Credit Card
Annual Percentage Rate (APR) for Purchases 11.90%
Rate is based on creditworthiness.
APR for Balance Transfers 11.90%
APR for Cash Advances 11.90%
Penalty APR and when it Applies 11.90%
How to Avoid Paying Interest on Purchases 11.90%
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Paying Interest (Cash Advances) We will begin to charge interest on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later.
Minimum Interest Charge There are no minimum finance charges.
For Credit Card Tips from the CFPB To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB) at
http://www.consumerfinance.gov/learnmore/

FEES

Annual Fee None
Transaction Fees
Balance Transfer
Cash Advances
Foreign Transaction Visa International Assessment Fee
None
None
A fee of 1% of the amount of the transaction made in foreign countries and 0.8% of the amount of the transaction made in U.S. dollars in foreign countries will be imposed on all foreign transactions.  Including purchases, cash advances and credits to your account. For more information on the Visa International Assessment Fee, please refer to Section 15 (Foreign Transactions) of the Visa Credit Card Agreement.
Penalty Fees
Late Payment
Returned Payment
$20.00
$20.00
Other Fees None
How We Will Calculate Your Balance We use a method called "Average Daily Balance (including new purchases)"
A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle to any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A finance charge will be assessed on cash advances 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 made. Cash Advances will be calculated in the same manner as explained for Credit Purchases

APPLICANT

Note: all applicable sections should be filled out completely. if not processing of your application may be delayed.

* Required Fields
Please read over the Consumer Credit Card Agreement.
Agreement:
Date of Birth:
 /   / 

IF less than 1 year at current address

Marital Status:
Pay Frequency::

REFERENCE

OTHER INFORMATION ABOUT YOU

APPLICANT

If you Answer "Yes" to any question other than #1, explain below.

Are You A U.S. Citizen or Permanent Alien?
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 FORE CLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?

OTHER

If you Answer "Yes" to any question other than #1, explain below.

Are you a U.S. Citizen or Permanent Alien?
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 FORE CLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?
SAVINGS SECURED CREDIT CARD PLEDGE
Savings Pledge:

SIGNATURE(S)

Signature:
Date::
 /   / 
VISA Account Updater
VISA Updater OPT OUT:
Security Code:

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