Blank Credit Card Application Template

The Credit Card Application form allows individuals to apply for a credit card, such as VISA or MasterCard. With essential personal information required, applicants must provide details like their name, address, income, and other pertinent data. Understanding the application process is crucial for making informed financial decisions, so consider filling out the form by clicking the button below.

Article Guide

The Credit Card Application form is a crucial tool for those looking to secure a credit card. It requires applicants to select between various card types, such as VISA Platinum, VISA Classic, and Gold MasterCard, as well as benefits like Preferred Points or Low Rate Cards. Applicants must provide personal information including their names, addresses, social security numbers, and financial details, ensuring their identity and financial status are verified. For married residents of Wisconsin, additional information about spouses is mandated, further intertwining personal financial information. Furthermore, the form informs applicants that federal laws require banks to verify identities to combat money laundering and terrorism financing. This includes the possibility of presenting identification documents like a driver's license. The application underscores the importance of accurate information, noting that all stated details must be true to the best of the applicant's knowledge. It also includes crucial state-specific disclosures regarding credit application rights and responsibilities. Understanding these components not only facilitates a smoother application process but also equips individuals with the knowledge needed to make informed financial decisions.

Form Sample

VISA and MasterCardWest TexasConsumerNationalCreditBankCard Application

®®


PLEASE CHOOSE CARD TYPE:	❏ VISA Platinum	❏ VISA Classic	❏ Gold MasterCard

AND

PLEASE CHOOSE BENEFIT TYPE: ❏ Preferred Points Card ❏ Low Rate Card

❏WE INTEND TO APPLY FOR JOINT CREDIT: _________ (Applicant Initials) _________ (Co-Applicant Initials)

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. WHAT THIS MEANS FOR YOU: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

MARRIED WI RESIDENTS: If you are applying for an individual account or a joint account with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. You understand that we may be required to notify your spouse of this

account. Married Wisconsin residents must furnish their (the applicant’s) name and social security number as well as the name and address of their spouse to TIB-The Independent BankersBank at P.O. Box 569120, Dallas, TXAPPLICANT75356-9120.

LAST NAME	FIRST NAME		MIDDLE INITIAL	MOTHER’S MAIDEN NAME (For Security Purposes)

STREET ADDRESS		CITY	STATE	ZIP CODE	YEARS AT ADDRESS

BIRTH DATE		SOCIAL SECURITY NUMBER		HOME PHONE	❏ OWN ❏ RENT

PREVIOUS STREET ADDRESS		CITY	STATE	ZIP CODE	YEARS AT ADDRESS

NAME OF EMPLOYER OR SOURCE OF INCOME		POSITION OR TITLE		BUSINESS PHONE	NO. OF YEARS

GROSS MONTHLY INCOME*		OTHER INCOME*		SOURCE OF OTHER INCOME
$______________________		$______________________		__________________________________________________________

*ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCECO-APPLICANT/SPOUSE/AUTHORIZEDINCOME NEED NOT BE REVEALED IF YOU DO NOT WISH T TO BE CONUSERID ED AS A BASIS FOR REPAYING THIS OBLIGATION.

Complete the following questions about your spouse only if you live in a community property state, or if you choose to rely on income or assets of your spouse. If you have a co-applicant or are requesting an authorization for a user of the Account, provide information about that person. If you are relying on alimony, child support, or separate maintenance payments or on the income or assets of another person, complete regarding that person.

NAME OF CO-APPLICANT/SPOUSE/AUTHORIZED USER		BIRTH DATE	SOCIAL SECURITY NUMBER

BUSINESS EMPLOYER OR SOURCE OF INCOME	GROSS MONTHLY INCOME*	OTHER INCOME*	SOURCE OF OTHER INCOME
_____________________________________________________	$______________________	$______________________	____________________________
	SIGNATURES

*ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH IT TO BE CONSIDERED AS A BASIS FOR REPAYING THIS OBLIGATION.

LOAN APPLICATION CERTIFICATION: Everything that I/we have stated in this application is correct to the best of my/our knowledge. I/We understand that this application will remain your property and you will retain it whether or not this application is approved.

This application is submitted to obtain credit. You are authorized to check my/our employment history and to ask questions about my/our credit experiences. Without limiting the foregoing, I/we authorize you to make inquiries (including requesting reports from consumer credit reporting agencies and other sources) to verify my/our identity and determine my/our eligibility for credit, and subsequently in connection with any extension of credit, update, renewal, review or collection of my/our account or for any other legal purpose. I understand that, on my/our request, you will tell me/us whether or not you requested a credit report and the names and addresses of any credit bureaus that provided you such reports. I/We also authorize you to release information to others about my/our credit history with you. I/We understand that you may report information about my/our account to credit bureaus. Late payments, missed payments, or other defaults on my/our account may be reflected in my/our credit report.

STATE LAW DISCLOSURES: CA Residents: Regardless of your marital status, you may apply for credit in your name alone. If this is a joint account, after credit approval each applicant has the right to use

this account to the extent of any credit limit set by the creditor, and each applicant may be liable for all amounts of credit extended under this account to any joint applicant. DE and MD Residents: Service

charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. NY Residents: New York residents may contract the New York State Banking Department

(1-800-518-8866) to obtain a comparative listing of credit card rates, fees, and grace periods. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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. Married WI residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the credit is incurred.

SIGNATURE OF APPLICANT

DATE

SIGNATURE OF CO-APPLICANT (if applicable)

DATE

BANK # 3118

INTERNAL USE ONLY

EMPLOYEE CODE:

(Not to exceed 5 alpha

or numeric characters)

CL ___________________________________

CDS _____________________________________

DT _____________________________________

BY _________________________________

Page 1 of 2

Please print, sign, and fax this completed application (page 1 only) to: 972.650.7054.

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VISA® and MasterCard® Consumer Credit Card Application

	PREFERRED POINTS CARD		LOW RATE CARD

Interest Rates and Interest Charges

	2.90% introductory APR for six months.		2.90% introductory APR for six months.
Annual Percentage Rate	After that, your APR will be 15.24%.		After that, your APR will be 10.24%.
(APR) for Purchases	After that, your APR will be 15.24%.		After that, your APR will be 10.24%.
	This APR will vary with the market based on		This APR will vary with the market based on
	the Prime Rate.a		the Prime Rate.b
	2.90% introductory APR for six months.		2.90% introductory APR for six months.
APR for Balance Transfers	After that, your APR will be 15.24%.		After that, your APR will be 10.24%.
and Cash Advances	After that, your APR will be 15.24%.		After that, your APR will be 10.24%.
and Cash Advances	This APR will vary with the market based on		This APR will vary with the market based on
	the Prime Rate.a		the Prime Rate.b
Penalty APR and	19.24% – This APR will vary with the market based on the Prime Rate.c
Penalty APR and	This APR may be applied if you allow your Account to become 60 days past due.
When It Applies	How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the
	Penalty APR will apply until you make three consecutive minimum payments when due.

How to Avoid Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you
on Purchases	any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from	To learn more about factors to consider when	applying for or using a credit card, visit the website
the Consumer Financial	To learn more about factors to consider when	applying for or using a credit card, visit the website
the Consumer Financial	of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/credit-cards/.
Protection Bureau
Protection Bureau


Fees

Annual Fee	None		None

Transaction Fees:
Balance Transfer	Either $10 or 3% of the amount of each balance transfer or each cash advance, whichever
and Cash Advance	is greater.
International Transaction	2% of each transaction in U.S. dollars.

Penalty Fees:
Late Payment	$25
Returned Payment	$25

Other Fees:
Pay-by-Phone	Up to $10 for agent assisted payments.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of December 24, 2012, the Index was 3.25%.

aWe add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.

bWe add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.

cWe add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21.00%.

If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have selected the VISA Platinum card with the Low Rate option.

If you do not qualify for a VISA Platinum Card and you qualify for a VISA Classic Card, you will automatically be offered a VISA Classic Card.

The issuer and administrator of the credit card program is TIB-The Independent BankersBank.

The information about the Cost described in this table is accurate as of January 1, 2013.

This information may change after that date. To find out what may have changed, call us at 800-367-7576

or write TIB-The Independent BankersBank, P.O. Box 569120, Dallas, Texas 75356-9120.

Page 2 of 2	Please print and save this page for your records.	01/13
	Please print and save this page for your records.

⇩ PDF

Document Specifications

Fact Name	Description
Card Types Offered	The application allows you to choose between VISA Platinum, VISA Classic, and Gold MasterCard options.
Identification Requirement	Federal law mandates financial institutions to collect identifying information, such as name and address, to prevent illicit activities.
Married Wisconsin Residents	If applying individually or jointly with someone other than your spouse, financial information must be combined with your spouse's, and you may need to notify them.
State-Specific Laws	California residents can apply for credit in their name alone, while Ohio requires equal credit availability regardless of marital status.
Application Certification	Applicants must certify that all information provided is accurate. The application remains the property of the issuer regardless of approval.

Steps to Filling Out Credit Card Application

Completing a credit card application is an essential step for those seeking financial options. This process involves providing personal information, employment details, and financial data. Below are the steps you need to take to fill out the Credit Card Application form accurately and thoroughly.

Choose Your Card Type: Select either the VISA Platinum, VISA Classic, or Gold MasterCard by marking the appropriate box.
Choose Your Benefit Type: Indicate which benefit type you prefer by checking the box for either Preferred Points Card or Low Rate Card.
Initials for Joint Credit: If applying with a co-applicant, provide initials for both the applicant and co-applicant in the designated spaces.
Personal Information: Fill in your last name, first name, middle initial, and mother’s maiden name for security purposes.
Address Details: Enter your street address, city, state, and zip code, including how long you have lived at this address.
Date of Birth & Social Security Number: Provide your date of birth and social security number. Include your home phone number as well.
Housing Status: Indicate if you own or rent your residence by checking the appropriate box.
Previous Address: If applicable, provide your previous street address, city, state, zip code, and duration at that address.
Employment Information: List the name of your employer or source of income. Include your position or title and business phone number.
Income Details: State your gross monthly income and any other income you may have, specifying the source of that income.
Co-Applicant Information: If applicable, provide the name, date of birth, social security number, and employment information of the co-applicant or spouse.
Signatures: Both the applicant and co-applicant (if applicable) must sign and date the application at the end.

Once the application is complete, it is important to ensure that all information is accurate before submission. This information allows the bank to evaluate your application and verify your identity, paving the way for potential credit approval.

More About Credit Card Application

1. What information do I need to provide on the credit card application form?

When applying for a credit card, you'll need to provide personal details such as your name, address, date of birth, and Social Security number. Information about your financial situation is also required, including your employer, position, and gross monthly income. If you're married and live in Wisconsin, you must also provide your spouse's information. Additionally, be prepared to show identification, like a driver’s license, to verify your identity.

2. What are the advantages of choosing between the different card types available?

The application offers several card types, including VISA Platinum, VISA Classic, and Gold MasterCard. Each option has its own benefits. For example, the VISA Platinum card may offer a lower introductory APR, making it advantageous for individuals seeking to minimize interest costs. On the other hand, if you're someone who values rewards, the Preferred Points Card might be the best fit for you. Consider your spending habits and financial needs when selecting a card type.

3. What happens to my application once I submit it?

Your application will be reviewed by the bank to assess your creditworthiness. The bank retains the application whether it's approved or denied. They may conduct background checks, including employment verification and credit history inquiries, to ensure all provided information is accurate. You will usually receive a decision promptly; however, it may take longer in certain situations depending on the complexity of your application.

4. Can I apply for joint credit, and what does that entail?

Yes, you can apply for joint credit on the application form by designating a co-applicant. This means both applicants will share the account and be responsible for the charges. It's essential that both parties agree on financial matters surrounding the account. If one applicant has a stronger credit history, the joint application could lead to better terms, such as lower interest rates. However, keep in mind that any defaults on the account will impact both individuals' credit scores.

5. What should I know about the interest rates and charges?

Interest rates can vary based on the card type you choose. For instance, introductory APR rates may be as low as 2.90% for the first six months, but after that, the rate will depend on the Prime Rate. You should also be aware of potential fees, like transaction or annual fees. Understanding these charges will help you decide the best card for your financial situation and prevent surprises down the road. Always read the terms carefully before making a decision.

Common mistakes

Missing Required Information: Failure to provide essential details such as name, address, or Social Security number can lead to delays or denials. Make sure all sections are filled out completely.
Inaccurate Personal Details: Providing incorrect information about your birth date or address can create issues with identity verification. Double-check all entries to ensure accuracy.
Incorrect Card Selection: If you neglect to check the appropriate boxes for card type and benefit type, you may receive a card that doesn't meet your needs. Be sure to clearly indicate your choices.
Ignoring Eligibility Requirements: Not understanding that certain criteria apply for specific card types can result in wasted time. Review the qualifications and terms carefully.
Neglecting to Review Terms: Failing to read the terms and conditions may lead to unexpected fees and rates. Take the time to familiarize yourself with costs associated with the card.
Incorrect Co-Applicant Information: If applying jointly, ensure that the co-applicant's information is accurate and complete. Any discrepancies may need to be rectified later.
Not Providing Income Details: Omitting information about gross monthly income could hinder financial assessments. It’s vital to disclose everything honestly, including other sources of income if applicable.

Documents used along the form

When applying for a credit card, there are several other forms and documents that may frequently accompany the Credit Card Application form. Each of these documents serves a specific purpose in facilitating the application process and ensuring that both the applicant and the bank have a clear understanding of the financial relationship being established. Below are some of the commonly used forms and documents in conjunction with the Credit Card Application:

Credit Report Authorization Form: This document allows the credit card issuer to obtain the applicant's credit report from credit bureaus. It confirms consent for the issuer to assess the applicant's creditworthiness based on their credit history and outstanding debts.
Proof of Income Documentation: Applicants often need to provide evidence of their income, such as recent pay stubs or tax returns. This documentation supports the claimed income figures on the application and assists the lender in determining the applicant's ability to repay the credit extended.
Identification Verification Forms: These forms may require the submission of copies of identification, such as a driver’s license or passport. They are crucial for verifying the identity of the applicant and preventing identity theft.
Joint Credit Application Form: If applying for joint credit with another individual, this form collects necessary information from both applicants. It ensures that both parties’ financial backgrounds are considered for the credit decision.
Income and Expense Statement: This statement provides a detailed overview of the applicant’s monthly income and expenses, offering the lender a comprehensive understanding of the applicant's financial situation and spending habits.
Legal Disclosures and Terms Agreement: This document outlines the terms and conditions associated with the credit card account. By signing, the applicant acknowledges understanding of fees, interest rates, and other important terms related to the credit account.

These documents collectively play a vital role in the credit application process, ensuring that banks can make informed lending decisions while protecting both the institution and the applicant. Properly completing and submitting these forms is essential for a smooth application experience.

Similar forms

The loan application form is similar to the credit card application form in that both documents collect essential personal and financial information from the applicant. This includes identity verification details such as name, address, date of birth, and Social Security number. Both forms also require applicants to disclose their employment status and income level, allowing lenders to assess the applicant's creditworthiness for loan approval. Both documents have sections for co-applicants, indicating that multiple parties can apply for credit jointly.

The mortgage application form is akin to the credit card application form as it requires a comprehensive financial profile from the borrower. Similar to credit card applications, mortgage applications gather information regarding the applicant's income, employment, and credit history. Both forms include disclosures about joint applications, community property laws, and potential obligations each party holds. Therefore, these documents ensure the lender has a complete picture of the borrower's financial situation in order to make informed decisions.

Auto loan applications share similarities with credit card application forms by focusing on financial and personal data necessary for credit evaluation. Like credit card applications, auto loan applications require the applicant to provide employment information, gross monthly income, and any co-applicants' details. Both formats emphasize legal implications regarding the accuracy of the information supplied, thus protecting both the lender and the borrower by ensuring shared responsibility for the loan.

The personal loan application form resembles a credit card application form in its need for personal identification and financial disclosure. Just like the credit card application, this form includes details about the applicant’s monthly income and employment status. Both forms also highlight that applicants should be truthful in their declarations, as lenders may perform background checks and credit inquiries to affirm the provided information.

The health insurance application form also mirrors the credit card application in terms of the necessary personal health information and demographic details required from applicants. Both forms usually ask for age, address, and Social Security number, which aids in identity verification. Health insurance applications similarly assess the applicant's eligibility based on medical history, which, like financial assessments in credit card applications, determines the applicant's risk profile.

A rental application form shares similar features with the credit card application form due to the extensive personal information needed. Applicants must provide identification details, income verification, and rental history, akin to the financial disclosures required in credit card applications. Both documents emphasize the necessity of accurate information, as landlords and lenders depend on this data to make informed decisions regarding approval.

The student loan application form is comparable to a credit card application because both aim to evaluate the applicant's financial stability and credibility. Applicants must provide personal identification and financial information, including expected income or funding sources. Both documents often request a co-signer or parental information if the applicant is not financially independent, addressing shared financial responsibility.

The business loan application form mirrors the credit card application form by requiring detailed financial information, including business income and credit history. Both forms assess the applicant's financial health, ensuring that lenders have critical details to evaluate their ability to repay debt. Documentation such as organizational structure and financial statements are commonly required to establish credibility, paralleling the thorough assessment necessary in credit card applications.

The line of credit application shares similarities with credit card applications through their information-gathering processes that determine creditworthiness. Both forms collect essential identification and financial data while also offering sections for joint applications. The emphasis on income stability and overall credit health in both formats illustrates the importance of understanding the applicant's financial reliability.

Finally, the installment loan application has similarities with the credit card application, as both require comprehensive personal and financial information to assess eligibility. Each form documents income sources and necessary disclosures regarding co-applicants. Furthermore, each application obligates the applicant to provide truthful statements, reinforcing the importance of accountability in the credit process.

Dos and Don'ts

When filling out a Credit Card Application form, make sure to follow these important guidelines:

Do read the entire application before starting to fill it out. Understanding the requirements can help you provide accurate information.
Do provide complete and accurate information about your identity, income, and employment. Incomplete or incorrect details may lead to application denial.
Do check the boxes for the type of card and benefit that you wish to apply for. Selecting the correct options ensures that you receive the benefits that suit your needs.
Do review your application for any errors before submission. Mistakes can delay the process or result in rejection.
Don't omit your spouse's information if you live in a community property state and choose to rely on their income. This is essential for the application process.
Don't ignore the legal disclosures and requirements mentioned in the application. It is crucial to understand your rights and responsibilities as an applicant.

Misconceptions

Understanding the credit card application form is essential for anyone looking to apply for credit. Unfortunately, several misconceptions may lead to confusion. Here are nine common misunderstandings:

Only those with perfect credit can apply: Many people believe that only individuals with a flawless credit history are eligible for credit cards. In reality, various cards are designed for different credit profiles, and many institutions offer options for those with less-than-perfect credit.
Income must be disclosed in detail: Some applicants think they have to provide exhaustive income information, including all sources. However, if you feel uncomfortable revealing certain incomes, particularly alimony or child support, you can opt not to include it.
Married people must apply together: There is a misconception that a couple must apply jointly if they are married. Individual applications are often possible, depending on the state. For instance, California residents may apply for credit independently regardless of marital status.
Personal information is not secure: Concerns about privacy often lead to fears that personal information will be mishandled. Financial institutions are required to follow strict regulations to protect the sensitive data of their applicants.
There are hidden fees: Some believe that credit card applications are laden with undisclosed fees. This is not the case. The form typically provides a clear breakdown of any applicable fees, such as late payment or transaction fees.
Application approval is guaranteed: Many assume that filling out the application form guarantees approval. However, all applications are reviewed, and many factors influence the decision, including credit history and income.
All applicants are treated the same: Individuals often think that all applicants receive identical offers or credit limits. In reality, offers can vary significantly based on each applicant’s financial profile.
You cannot review your credit report: Some people think they cannot check their credit report prior to applying for a card. In truth, applicants can review their credit history to prepare and improve their chances of approval.
You must choose a card type immediately: There's a belief that applicants need to commit to a specific card type without consideration. The application allows you to explore options before deciding which benefits suit your financial needs best.

Awareness of these misconceptions can empower individuals as they navigate the credit card application process. It’s always wise to read through the terms and ask questions if something is unclear.

Key takeaways

When filling out the Credit Card Application form, consider the following key takeaways:

Choose Your Card and Benefits Wisely: Select the card type and benefit that best suits your needs. Options include VISA Platinum, VISA Classic, and Gold MasterCard, along with different benefit types.
Provide Accurate Personal Information: Ensure that you fill in your name, address, and other personal details correctly. This information helps verify your identity.
Be Aware of Your Privacy: If you're married and live in Wisconsin, your financial information will be combined with your spouse’s. This information may need to be disclosed to your spouse.
Understand Income Disclosure Requirements: While you must disclose your income, you do not need to reveal alimony, child support, or separate maintenance income if you prefer not to include it.
Be Prepared for Identity Verification: You may be asked to provide identification, such as a driver’s license, to confirm your identity during the application process.
Review Terms and Conditions: Familiarize yourself with interest rates, fees, and what happens if payments are late. Proper understanding can help you avoid unnecessary charges.

Taking the time to carefully complete the application and understand its requirements can lead to a smoother process and better credit management.