Online VISA App

BSE VISA Application

Please complete the information on this application to apply for any type of loan. All information is required in order to process your application.

ABOUT SSL CERTIFICATES

After you have completed the form, press the "Submit Application" button to send your application. Our website is protected by the VeriSign, an internet security provider.

Once your application is received at the credit union, a Loan Officer will contact you for additional information. Income verification will be required.
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

IInterest Rate and Interest Charges

Visa®

Annual Percentage Rate (APR) for Purchases

10.99%
FIXED

APR for Balance Transfers

10.99%
FIXED

APR for Cash Advances

10.99%
FIXED

Penalty APR and When it Applies

None

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 (Grace Period) each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.00.

For Credit Card Tips from Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.

FEES

Annual Fee

None

Transaction Fees
	•	Balance Transfer
	•	Cash advances
	•	Foreign Transaction


	None
	None 0.8% Conversion Fee 1.0%

Penalty Fees
	•	Late Payment
	•	Over-the-Credit-Limit
	•	Returned Payment


	$25.00
	None
	$35.00

Other Fees
	•	Card Replacement Fee
	•	Return Check Fee


	$5
	$35

How we calculate your balance: we use a method called “average daily balance” (including new purchases). An explanation of this method is provided in your account agreement. Billing rights: information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. KY, ON, MI, TN - Fees Disclosed and Calculated as Finance Charge.

Online VISA Application

Required Field

Will you be applying for Individual or Joint Credit Card?

If applying for a joint credit card, please read below to verify that you intend to apply for a joint credit card:

By checking this box, I acknowledge that I'm the joint applicant on this credit card application.

Martial Status: Complete marital status if this credit card is for joint or secured credit.

Applicant Information

Credit Limit

Last Name

First Name

Initial

Social Security Number

Birthdate

00/00/0000

Home Phone
w/Area Code

Driver's License #

Current Home Address

City

State

Zip Code

Own/Rent

Monthly Rent/Mortgage

Years at Address

Previous Address
(If less than 5 years at current residence.)

Previous Home Address

City

State

Zip Code

Number of Dependents

E-mail Address
(Required)

Mother's Maiden Name

Please list one personal reference
(can be a family member) who does not live with you.

Name

Relationship

Phone No.

Address

City

State	Zip Code

Do you have a Savings Account?

If yes, where?

Savings Account Number

Do you have a Checking Account?

If yes, where?

Checking Account Number

Are you a U.S. Citizen or permanent alien?

Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, had property foreclosed upon or repossessed in the last 7 years, or been a party in a lawsuit?

Is your income likely to decline in the next two years?

Are you a co-maker, co-signer or guarantor on any loan not listed above?

If yes, list the name of others obligated on loan and the name of the creditor.

Are you responsible for alimony or child support?
Alimony or child support does not need to be disclosed if it is not applicable to this loan application.

Employer Information (Applicant)

Employer Name

Position

Hire Date

Employer Address		Work Phone w/Area Code
City		State	Zip Code
Monthly Gross Wages	Other Income & Source		Supervisor's Name
Previous Employer	How long at previous employer?		Position

Co-Applicant Information

Last Name

First Name

Initial

Social Security Number

Birthdate 00/00/0000

Home Phone w/Area Code

Driver's License #

Current Home Address

City

State

Zip Code

Own/Rent

Monthly Rent/Mortgage

Years at Address

Previous Address
(If less than 5 years at current residence.)

Previous Home Address

City

State

Zip Code

Number of Dependents

E-mail Address (Required)

Mother's Maiden Name

Please list one personal reference (can be a family member) who does not live with you.

Name

Relationship

Phone No.

Address

City

State	Zip Code

Do you have a Savings Account?

If yes, where?

Savings Account Number

Do you have a Checking Account?

If yes, where?

Checking Account Number

Are you a U.S. Citizen or permanent alien?

Is your income likely to decline in the next two years?

Are you a co-maker, co-signer or guarantor on any loan not listed above?

If yes, list the name of others obligated on loan and the name of the creditor.

Are you responsible for alimony or child support?

Employer Information (Co-Applicant)

Employer Name

Position

Hire Date

Employer Address

Work Phone w/Area Code

City

State

Zip Code

Monthly Gross Wages

Other Income & Source

Supervisor's Name

Previous Employer

How long at previous employer?

Position

Balance Transfer Request
Yes, I would like to transfer balances from my other credit cards to my BSE VISA Card.

Creditor

Account Number

Current Balance

Amount to Transfer

Creditor

Account Number

Current Balance

Amount to Transfer

Creditor

Account Number

Current Balance

Amount to Transfer

You are hereby authorized to pay off the amount shown on the above charge account(s) by issuing the check(s) as indicated and adding the balance to my BSE Credit Union card account (may not exceed BSE Credit Union Limit). Note: the credit union recommends you pay any minimum payments which are due within the next 15 days to avoid late charges caused by processing and mailing time requirements. This plan is treated the same as a purchase according to the terms set forth in the disclosure.

By clicking here, I agree to the terms above.

I hereby authorize the Credit Union to whom this application is made, or any Credit Bureau or other investigative agency employed by such Credit Union, to investigate the references herein listed or statements or other data obtained from me or from any other source whatsoever pertaining to my credit and financial responsibility. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.