Annual
Percentage
Rate
(APR) for
Purchases
and Cash
Advances
APR for
Balance
Transfers
Visa Platinum
8.99% to
18.00%
10.99% to
18.00%
when you open your
account, based on
your creditworthiness.
After that, your APR
will vary with the
market based on the
Prime Rate*.
0.00% Introductory
APR on new accounts
within 10 days of the
approval, for the first
6 billing cycles
of the Account.
After that your
APR will be
10.99% to 18.00%.
This APR will vary with
the market based on
the Prime Rate*.
Minimum Interest Charge
Paying Interest
For Credit Card Tips from the
Federal Reserve Board
Fees
Annual Fee
Transaction Fees
• Balance Transfer Fee
• ATM Cash Advance Fee
• Foreign Transaction Fee
Penalty Fees
• Late Payment Fee
• Returned Payment Fee
when you open your
account, based on
your creditworthiness.
After that, your APR
will vary with the
market based on the
Prime Rate*.
3.99% Introductory
APR on new accounts
within 10 days of the
approval, for the first
6 billing cycles
of the Account.
After that your
APR will be
8.99% to 18.00%.
This APR will vary with
the market based on
the Prime Rate*.
Secured MasterCard
8.99%
Yes! I would like to apply for a BrightStar card.
Choose Your Card: Visa Platinum Cash Rewards Visa Platinum
Name
when you open your
account, based on
your creditworthiness.
After that, your APR
will vary with the
market based on the
Prime Rate*.
3.99% Introductory
APR on new accounts
within 10 days of the
approval, for the first
6 billing cycles
of the Account.
After that your
APR will be
8.99%.
This APR will vary with
the market based on
the Prime Rate*.
None
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you 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.
To learn more about factors to consider when applying for or using a
credit card, visit the Web site of the Federal Reserve Board at
http://www.consumerfinance.gov/learnmore.
None
None
$1.00
0.80% of each single currency transaction in U.S. dollars
1.00% of each multiple currency transaction in U.S. dollars
Up to $25.00
Up to $25.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.
See your account agreement for more details.
*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in which the APR changes. Your APR for purchases,
cash advances and balance transfers can change every January and July of each calendar year and is determined by adding a margin of 5.74% to 11.74% (7.74% to 13.74% for Visa Platinum Cash Rewards) to the Prime Rate.
Visa Platinum Cash Rewards. If your account is a Visa Platinum Cash Rewards Account you will be entitled to Cash Rewards equal to 1.25% of Qualifying Net Purchases during the calendar year. The maximum Cash Rewards that
may be earned for any Account is $600.00 per calendar year. Cash Rewards will be paid in the form of a credit posted to your primary member savings account with issuer within 60 days after issuer decides to credit such Cash
Rewards which will be typically at the beginning of a new calendar year after your year-end credit card statement has been issued. Issuer may modify or terminate the Cash Rewards program at any time in issuerʼs sole discretion.
For a more detailed description of the Cash Rewards program and a definition of Qualifying Net Purchases see your new credit card agreement and disclosures.
The above information is accurate as of the date in the lower right hand corner and is subject to change. For any change in this information since it was printed contact:
BrightStar Credit Union P.O. Box 8966 Ft. Lauderdale, FL 33310-8966
02/2015
Home Address (Street, City, St, Zip)
(Last, First, Middle)
How Long (at this address)
Rent
Own
Job Title or Occupation
Work Address
Employer
Previous Home Address
Monthly
Payment
Gross Monthly Income
$
$
Limit Requested $
Income from alimony, child support or separate maintenance need not
be revealed unless your wish such income to support a request for credit.
Birthdate
Email Address
(Street, City, St, Zip)
Work Phone Number
(
)
Home Phone Number
(
)
(If less than 2 years at current address—include Street, City, St, Zip)
Marital Status
Member Number _________
Non-Member
Secured MasterCard
Social Security Number
How Long at Current Job?
Other Phone Number
How long at this Address?
(Required for joint credit, secured credit or if you live in a community property state: AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI.)
FOR JOINT CREDIT / AUTHORIZED USER (OPTIONAL)
Name
Fold and seal with tape before mailing.
Visa Platinum
Cash Rewards
Interest Rates and Interest Charges
Home Address (Street, City, St, Zip)
(Last, First, Middle)
How Long (at this address)
Rent
Own
Job Title or Occupation
Work Address
Employer
Gross Monthly Income
Birthdate
Joint Credit Spouse
Authorized User Only (no credit check)
Email Address
(Street, City, St, Zip)
Work Phone Number
(
)
Home Phone Number
(
)
(If less than 2 years at current address—include Street, City, St, Zip)
Applicant Signature and Date
X
1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important
changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this
application for credit and any update, increase, renewal, extension, or collection of the credit received. You understand that the
Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit
Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to
willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state
chartered credit unions insured by NCUA.
2. You have received and read the LOANLINER Credit and Security Agreement, including the Addendum ("Agreement"), and a
Credit Insurance Certificate. By signing below you agree to be bound by the terms of the Agreement.
Balance Transfer Request Form (Optional)
$
Income from alimony, child support or separate maintenance need not
be revealed unless your wish such income to support a request for credit.
Social Security Number
How Long at Current Job?
Previous Home Address
Monthly
Payment $
Other Phone Number
How long at this Address?
Co-Applicant Signature and Date
X
3. If you are applying for a credit card, you understand that use of your credit card will constitute acknowledgment of receipt and
agreement to the terms of the credit card agreement and disclosures.
4. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the
future to secure what you owe under the Agreement and if you have applied for a credit card, under the credit card
agreement. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares
and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state
or federal law if given as security, are not subject to the security interest you have given in your shares and deposits.
Transfer your other credit card and loan balances to your BrightStar Visa. Please complete the from below, then sign and return it to BrightStar CU.
Name Under Which Credit Card/Loan is Established
Name of Financial Institution of Credit Card/Loan
Name Under Which Credit Card/Loan is Established
Name of Financial Institution of Credit Card/Loan
Name Under Which Credit Card/Loan is Established
Name of Financial Institution of Credit Card/Loan
Credit Card/Loan Account Number
Credit Card/Loan Account Number
Credit Card/Loan Account Number
City, State, ZIP Address for Payments
City, State, ZIP Address for Payments
City, State, ZIP Address for Payments
Street Address for Payments
Amount of Transfer
$
Street Address for Payments
Street Address for Payments
Amount of Transfer
$
The Balance Transfer ANNUAL PERCENTAGE RATE for the first 6 billing cycles is 3.99% (or 0% APR for the Visa Platinum Cash Rewards) which corresponds to a
Monthly Periodic Rate of 0.33% (or 0% for the Visa Platinum Cash Rewards); thereafter FINANCE CHARGES on the Balance Transfer will accrue based on the
ANNUAL PERCENTAGE RATE and Monthly Periodic Rate for Cash Advances applicable to your Account. Transfers and cash advances are subject to FINANCE
CHARGES as of the date the transfer is posted to your BrightStar CU Visa account. Transfers and balance payoffs will not result in closure of your other credit
cards/loans. You must notify the financial institution directly to request account closure. Transfers will NOT be initiated in excess of your credit limit. Any balance remaining
with another financial institution after the balance transfer check is issued will be your responsibility. Balance transfer must occur within the first 10 days of BrightStar
CU credit card Account opening; any balance transfers after the first 10 days will accrue FINANCE CHARGES based on the ANNUAL PERCENTAGE RATE and
Monthly Periodic Rate for Cash Advances applicable to your Account. You may not use balance transfers to pay off existing BrightStar CU loans or lines of credit.
CU
USE: Type
Rate
Margin
Limit
Beacon
CA/MSR
Amount of Transfer
$
X
Signature
Date
LC
Date