VISA Application

Print and retain for your records
Important VISA Card Disclosure Information
The following is accurate as of September 1, 2014 and applies to Cash Advances as well as transactions.
This information may have changed after the printed date. Contact us at 800-821-7280 or write: Marriott Employees’ Federal Credit Union
P.O. Box 6006, Bethesda, MD 20827-6006

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

9.90%  Platinum

13.80%  Gold

17.88%  Classic and Classic Secured

Annual Percentage Rate (APR) for Cash Advances

9.90%  Platinum

13.80%  Gold

17.88%  Classic and Classic Secured

Annual Percentage Rate (APR) for Balance Transfers

9.90%  Platinum

13.80%  Gold

17.88%  Classic and Classic Secured

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/.
 

Fees

Annual Fee

Platinum: None
Gold: None
Classic and Classic Secured: $25

Transaction Fees

  • Foreign Transaction
  • Cash Advance
  • Balance Transfer
 
  • 1% of each foreign transaction in U.S. dollars
  • 2% of the amount of each cash advance
  • 2% of each balance transfer

Penalty Fees

  • Late Payment
  • Returned Payment
  • Returned Convenience Check
  • Up to $35
  • Up to $35
  • Up to $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."

Visa Classic Secured Card requires a minimum initial $250 deposit. VISA Classic Secured Credit lines of $500 or more must be secured by funds totaling 110% of the credit limit.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Pledge of Shares

PLEASE NOTE: ALL APPLICANTS FOR A MEFCU VISA ACCOUNT MUST PLEDGE THEIR SHARES IN MEFCU AS A CONDITION OF THE ACCOUNT.
*I/we pledge and grant the Credit Union a security interest in my/our shares with the Credit Union, including shares hereafter acquired, to secure my/our VISA account. I/we authorize the Credit Union to apply these shares to pay any amount due in the event of my/our default.
By clicking "Submit", I/we (the Applicant and any Co-Applicant),
submit my/our application for a MEFCU VISA Account;
warrant the truth of all of the information provided in this On-Line Application--oral, by phone, written, faxed, or by electronic means – and authorize you, your employees and agents to investigate and verify any information that is provided; acknowledge that, even though I/we use a web browser with security features, MEFCU cannot ensure that a third party will not intercept the data and MEFCU will not be liable if this happens;

acknowledge that I/we realize that this information will be relied upon by MEFCU in deciding whether or not to grant me/us credit;

authorize my/our employer(s) or their agent to provide employment, compensation, and demographic information about me/us to MEFCU;

acknowledge that I/we will receive a copy of the VISA Credit Card Agreement and Disclosure if my/our application is approved and that by using the account or any card, or authorizing their use, I/we agree to the terms of the VISA Credit Card Agreement and Disclosure and I/we promise to pay all amounts charged to my/our account according to its terms. I/we agree that such liability is joint and several.

PLEASE SEE THE IMPORTANT VISA CARD DISCLOSURE INFORMATION ABOVE FOR IMPORTANT INFORMATION ABOUT RATES, FEES AND OTHER COSTS.
Primary Applicant Information
If you are applying for individual credit, you agree you are applying solely in your own name and are relying on your own income and/or assets and not the income or assets of another person as the basis for repayment of the credit requested.

If you are applying for joint credit with another person, provide information about the join applicant or user below.

 
* = Required Information
 
Alimony, child support and separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying your debt.



have any past or present unsatisfied suits, judgements, repossessions, IRS Liens, or Garnishments.

filed for bankruptcy in the last 10 years.
 
Co-Applicant Information
Alimony, child support and separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying your debt.
 
I/We pledge and grant the Credit Union a security interest in my/our shares with the Credit Union, including shares hereafter acquired, to secure my/our Visa account. I/we authorize the Credit Union to apply these shares to pay any amount due in the event of my/our default

 
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