Bethlehem Teachers Federal Credit Union Logo Visa Credit Card Application Form
Bethlehem Teachers Federal Credit Union
2317 Easton Ave.
Bethlehem, PA 18017
Voice: 610-691-0041 / Fax: 610-691-8624
(1) NOTE AND COMPLETE
I am...
(Check one and supply a name if appropriate.)
...applying for an individual BTFCU Visa Credit Card.

...applying for a joint BTFCU Visa Credit Card.
My Co-applicant (Enter name here: ) has also completed a copy of this form with his/her own information and I am submitting it to BTFCU along with this form.
...a co-applicant. (Name of Applicant: )
(2) CREDIT LIMIT REQUESTED
I am applying for a credit limit of...
$.00
(3) PERSONAL INFORMATION
Name:
Last:
First:
Middle Initial:
Identification:
Social Security Number
Drivers License Number:
State:
Address:
Street: Apt:
City: State: Zip:
Years at this Address: Do you (check one): Rent Own
Telephone (include area code)
Home:
Work:
Date of Birth:
E-Mail Address:
Nearest Relative
Name:
Address:
City:
State: Zip:
Phone Number:
Relationship:
(4) EMPLOYMENT & OTHER INCOME INFORMATION
Please include verification of all sources of income. (What's that?)
Present Employer:
Employer's Address:
Position:
Income:
$.00 per month.
Date Hired:
Other Income:
(Rental, alimony, Social Security, etc.)
$.00 per month.
Source:
Note: Alimony, child support or separate maintenance need not be revealed if you do not wish to have it considered.
(5) DEBTS
In addition to Rent/Mortgage list all other debts (for example, auto loans, credit cards, second mortgage, home assoc. dues, alimony, child support, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each credit card and auto loan.
Mortgage or Rent
Landlord or Mortgage Holder:
Monthly Payment: $
Balance Due: $
Creditor #1
Name:
Account Number:
Balance Due: $
Creditor #2
Name:
Account Number:
Balance Due: $
Creditor #3
Name:
Account Number:
Balance Due: $
Creditor #4
Name:
Account Number:
Balance Due: $

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 need necessary concerning my/our credit standing. The undersigned applicant agrees that the applicant(s) will be bound by the terms and conditions of the loan.

Signature: _______________________________________________________ Date: _____________________


BTFCU Visa Card Terms Disclosure

"Standard" BTFCU Visa Card
Annual percentage rate (APR) for purchases 14.88%
Other APRs Balance transfer APR: 14.88%
Cash advance APR: 14.88%
"Preferred" BTFCU Visa Card
(Available to those who qualify, based on FICO / Emperica credit score. Other restrictions may apply.)
Annual percentage rate (APR) for new purchases 9.90%
The "preferred" rate of 9.90% applies only to new purchases (after the card is converted to "preferred" status). Purchases which occur prior to the conversion will continue to carry the "standard" rate of 14.88%.
"Preferred" cardholders who are late in paying their BTFCU Visa bill for two consecutive months will revert to the "standard" rate of 14.88%.
Other APRs Balance transfer APR: 9.90%
Cash advance APR: 9.90%
Both "Standard" and "Preferred" BTFCU Visa Cards
Grace period for repayment of balances for purchases 25 days to repay your balance for purchases before a finance charge will be imposed. No grace period for cash advances.
Method of computing the balance for purchases Average daily balance method
Annual fees None
Minimum finance charge None
Transaction fee for purchases None
Transaction fee for cash advances $2.00
Balance Transfer Fee None
Late payment fee $15.00
Over-the-credit-limit fee $10.00 per incident

FOR OFFICE USE ONLY
Received By:
_______________________
Date:
_______________________