Do you authorize Tulsa Federal Credit Union to obtain your credit report and process this loan application?
I authorize Tulsa Federal Credit Union to obtain my credit history. I understand that Tulsa Federal Credit Union may contact me for additional information. Tulsa Federal Credit Union may obtain information from others about me and give information to others. I authorize Tulsa Federal Credit Union to issue any credit devices requested by me. I understand that all funds advanced to me will be subject to the terms and conditions of the loan agreement.
APR is annual percentage rate and is accurate as of October 1, 2013. The standard variable APR for purchases, cash advances and balance transfers on the Tulsa Traditions Visa is 7.25% to 13.25% and 10.25% to 16.25% for the Tulsa Traditions Visa Rewards; based on individual creditworthiness. The APR will vary with the market based on the Prime Rate. Balance transfer and cash advance fees of $10.00 or 2.00% of the amount of the transaction whichever is greater apply. Foreign Transaction fees of 1.00% of each transaction in U.S. dollars will apply to transactions made outside of the United States.
This offer is only valid for new accounts and subject to credit approval. You must be at least 18 years of age. A guarantor may be necessary if you are not age 21 or older. Tulsa Federal Credit Union membership and eligibility required. Minimum balance of $5.00 required for credit union membership. Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth and other identifying information, and we may ask for identifying documents from you as well. Income verification may be required.
Balance Transfers – After receiving your card, you may call our customer service number to transfer your high rate balances. All balance transfers are subject to approval and availability of your credit limit. Please allow at least 14 days from the date of your request for the transfer to be received by recipient. Continue to make all required payments to your other accounts until you confirm that the balance transfers were made. All overpayments must be refunded by the other institution. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). Tulsa Federal Credit Union is not responsible for any remaining balance(s) or additional charges with regard to such accounts, nor for any changes resulting in any delay in the payment and transfer of balances.
REWARDS: Once you become a Tulsa Traditions Rewards card member and your account is in good standing, you can earn one point for each eligible dollar spent with the card. Points can be redeemed for cash, merchandise or travel. Restrictions apply. See www.curewards.com for details.
STATE LAW NOTICES OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and
that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio
Civil Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS ONLY: (1) No provision of any property agreement, unilateral statement under
Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement of decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The Credit being applied for, if granted, will be incurred in the interest of the marriage of family of the undersigned.
By signing this application you-
1.) 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, increases, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely in 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. 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.
2.) You understand that the use of a credit card will constitute acknowledgement of receipt and agreement to the terms of the credit card agreement and disclosures. You grant us a security interest in all individuals and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to security interest you have given in you shares and deposits.
By submitting this application electronically, I agree to the same terms that apply to a signed application. If there is a co-applicant on this loan, that co-applicant has authorized the submission of this application. This electronic submission qualifies as my signature.