| Any comments or questions you may have for us?
By submitting this application, I/We certify that this
information has been supplied truthfully, accurately and voluntarily, and therefore
authorize PCM Employees Credit Union. to investigate our creditworthiness, credit history
and financial responsibility through any credit bureau or by any other reasonable means
for consideration for the loan applied for, or for any other services offered. This
application does not constitute a contract for the extension of credit.
Thank You. Upon receipt of this application, someone
at PCM Employees Credit Union will review your information and get back to you to extend
credit, with additional questions or to request further information. We appreciate
this opportunity to be your financial partner.
Notice to married applicant: No provision of a marital property agreement, a unilateral statement under Wis. Stat. sec
766.59 or a court decree under Wis Stat. sec 766.70 adversely affects the interests of the credit union unless prior to the
time the credit is extended, the credit union is furnished with a copy of the agreement statement or decree, or has actual
knowledge of the adverse provision when the obligation to the credit union is incurred.
Credit
Disclosures
| Annual Percentage Rate (APR) on
Purchases |
9.88% |
| Annual Percentage Rate (APR) on
Balance Transfers |
9.88% |
| Other APR's |
Cash Advance APR: 9.88% |
| Annual Membership Fee |
None |
| Late Payment Fee |
$5.00 |
| Over the Limit Fee |
$5.00 |
| Cash Advance Fee |
None |
| Balance Transfer Fee |
None |
| Method of Computing Balance for
Purchases |
Grace Period for
Purchases |
| Average Daily Balance Including
New Purchases |
25 Days* |
*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 not
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 to the outstanding unpaid balance of Credit
Purchases at the beginning of the billing cycle any new Credit
Purchases posted to your account, and subtracting any payments a
received or credits as posted to your account, but excluding any
unpaid finance charges.
A finance charge will be imposed 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, and will otherwise be calculated in the same manner as
explained for Credit Purchases. The
information listed above is accurate as of 2/06 and is subject to
change. Because rates and terms are subject to change, you may
contact the credit union toll free at 877 373 4023 or write to PCM
Employees Credit Union, PO Box 28500, Green Bay, WI 54324-0500 for current rate
information. |
