MasterCard Fair Credit and Charge Card Disclosure

 MasterCard Platinum MasterCard
Annual Percentage Rate for Purchases (APR)
 13.9% 9.9%
Other APRs: Balance Transfer or Cash Advance 13.9% 9.9%
How to Avoid Paying Interest on Purchases: If you have paid your account in full by the date shown on the previous monthly statement, or there is no previous balance, you have 25 days to repay your account balance before a finance charge on current purchases will be imposed.
Fees
Account Set up fee
Annual Fee 		None
None
Transaction Fees:
Cash Advances
Balance Transfers
Foreign Transactions
None
None
1% on all international transactions
Penalty Fees:
Late Payment
Over Limit
Return Payment
5% of minimum payment
None
up to $25.00
For Credit Card Tips from the 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 http://www.federalreserve.gov/creditcard


How we calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.
Billing Rights: information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of the card described in the Application and Agreement is accurate as of June 1, 2010. This information may have been changed after that date. To find out what may have changed, write to us at Dallas Credit Union, 1301 Young Street, Suite 100, Dallas, TX 75202-5433 or call us at 214-748-5166

Apply for a loan or credit card.

Once your online loan application has been submitted we will contact you the same business day. If you would like to download an application click here. You may fax your application to 214-748-0816 or mail to 1301 Young Street, Suite 100, Dallas, TX 75202.

Note: All transactions are secure.

Are you currently a DCU member?

      
 

Loan Details

Use our Loan Calculators to help in determining what you would need to borrow. For Credit Cards, click here for additional disclosures.

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Purpose of Loan
 
Vehicle Information (Leave blank if unknown.)            

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Contact Information


Is this an or Application


 
 
 
Years at this address?*    Do you... Rent Own
 
 
 
        
   01/01/1980
How many dependents do you have? 
 
 
 
 
Years at this address?*    Do you... Rent Own
 
 
 
        
   01/01/1980
How many dependents do you have? 
Nearest relative not living with you.
 
 

Income & Employment Information


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 the obligation.

 
 
 
  
   01/01/2003
   $ 
   $ 






 
 
 
  
   01/01/2003
   $ 
   $ 

 


 

You're almost done! We just need a little more information.


After listing your rent or mortgage(s), list all Applicant and Co-Applicant's debts (for example, auto loans, credit cards, second mortgage, home association dues, alimony, child support, child care, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each obligation. For more space, use the additional comments section.

Who do you pay Rent/Mortgage to? Monthly Payment Balance
1
2
 
Creditor's Name Monthly Payment Balance
3
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5
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8
 

Would you like to transfer your higher rate credit card balance to a DCU Credit Card?

There is no balance transfer fee and 0% interest for the first 6 months.

  

I/We hereby request that the Dallas Federal Credit Union obtain credit reports on me/us. I/We understand that the Dallas Federal Credit Union will use the credit reports in evaluating my/our credit worthiness for various credit products offered by the institution.