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Consumer Credit Application
Applicant:
Please complete all fields. Incomplete form may result in decline of your application.
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Sole Applicant
Joint Applicant
Applicants Full Name
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Applicant is ACTIVE Military?
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Email
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Address
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City
State
Zip Code
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Years/Months at Address
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Social Security Number xxx-xx-xxxx
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Date of Birth mm/dd/yyyy
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Mothers Maiden Name
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Name of closest realitive not living with you
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Applicants Previous Address
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Years/Months at Previous Address
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Home Phone Number
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Cell Phone Number
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Employer
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Occupation
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Years/Months Employed
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Employer Phone Number
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Housing Information
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Own
Rent
Other
Monthly Mortgage/Rent Payment
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Monthly Household Gross Income
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Other- Monthly Household Gross Income
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JOINT APPLICANT INFORMATION:
Joint Applicants Full Name
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First
Last
Joint Applicant is ACTIVE Military?
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Yes
No
Email
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Joint Applicants Address
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Line 1
Line 2
City
State
Zip Code
Country
Social Security Number xxx-xx-xxxx
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Date of Birth mm/dd/yyyy
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Mothers Maiden Name
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Name of closest realitive not living with you
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Previous Address
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Line 1
Line 2
City
State
Zip Code
Country
Home Phone Number
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Cell Phone Number
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Employer
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Occupation
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Years/Months Employed
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Employer Phone Number
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Housing Information
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Own
Rent
Other
Monthly Mortgage/Rent Payment
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Monthly Gross Household Income
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Other- Monthly Gross Household Income
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INTEREST RATES AND FEES
: Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Penalty APR and When It Applies Paying Interest Minimum Interest Charge For Credit Tips from the Federal Reserve Board 28.99% This APR will vary with the market based on the Prime Rate.29.99% This APR will vary with the market based on the Prime Rate.This APR may be applied to your Account if a minimum payment is more than 60 days past due. How Long Will the Penalty APR apply? If your APR is increased for this reason,the Penalty APR will apply until you make six consecutive monthly payments when due. Your due date is 15 days after the close of each billing cycle.
We will not charge you interest on purchases/services if you pay your entire balance by the due date each month.
If you are charged interest, the charge will be no less than $2.00.
Late Fee is $40 per 15 day billing cycle
Returned Payment Fee Either $50 or 3%, whichever is greater, of the amount of each check/echeck used.
The information about the costs of the credit described in this Application is accurate as of March 2014 when it was printed. This information may have changed after that date. To find out what may have changed, call us at 1-410-924-6231 or write to us at: P.O. Box 877 Stevensville, MD 21666. How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new transactions)”. See section 3 of your Cardholder Agreement for more detail. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement. Margins: 25.74% will be added to the Index for the APR for Purchases 25.74% will be added to the Index for the APR for Convenience Checks 26.74% will be added to the Index for the Penalty APR Index: The Index (US Prime Rate) is currently 3.25% as of 08/01/2010. The corresponding DAILY PERIODIC RATES (“DAILY PERIODIC RATES”)ARE:.079424% for APR for Purchases.079424% for APR for Convenience Checks.082164% for Penalty APR CREDIT HOLDER AGREEMENT “I”, “me” and “my” mean the borrower(s). My credit (“Credit Account”) is issued by Island LawnCare. I understand that Island LawnCare may change my credit limit from to time, subject to applicable law, either at my request (if the Island LawnCare approves my request) or at Island LawnCare's initiative. Island LawnCare has the right to cancel or limit the credit to be extended to me at any time without prior notice. I authorize Island LawnCare to obtain credit reports in connection with this agreement and from time to time in connection with the review of my Credit account (“Account”), or any update, extension or renewals of my Account, and for the purposes of collection of my Account. I authorize Island LawnCare to verify with others any information and to provide information about its transactions with me to third parties (including consumer reporting agencies) for lawful purposes. I agree to use the Credit and the Account only for my own lawful personal, family or household purposes. Island LawnCare reserves the right to block any transaction. However, in the event that a charge or transaction described in this disclosure is approved and processed, I will still be liable for the charge to the fullest extent permitted by applicable law. I UNDERSTAND YOU MAY REPORT INFORMATION ABOUT MY ACCOUNT TO CREDIT BUREAUS. SUBJECT TO APPLICABLE LAW, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON MY ACCOUNT MAY BE REFLECTED IN MY CREDIT REPORT.
1. Promise to Pay: I (and any Joint Applicant) will be liable for all use of the Credit or the Account by me or by any person with actual, implied, or apparent authority to act for me or to use the Credit or the Account, including any Joint Applicant. Any such use will constitute acceptance of all the terms and conditions of this Agreement, even though this Agreement is not signed.I authorize Island LawnCare to pay and charge my Account for all purchases and services performed.
Disclaimer:
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By checking this box, I authorize Island LawnCare (Credit Lender) to make or have made any credit, employment, or investigation inquiry that Island LawnCare determines appropriate for the extension of credit, periodic evaluation of my account, or the collection of amounts owed to Island LawnCare. Island LawnCare may furnish information concerning my account to consumer reporting agencies and others who may properly receive that information. I agree that this application will remain the property of Island LawnCare. I hereby grant Island LawnCare a security interest in the goods or services purchased on the account as permitted by law. I certify I am at least 18 years of age and that no essential information has been concealed and that no misrepresentations have been made on this application. If approved, I agree to the terms and conditions applicable to the account for which I am approved.
Todays Date mm/dd/yyyy
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Applicants Full Name
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Joint Applicants Full Name
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By clicking the Submit button below, "I", and or "We", agree to all of the above terms and agreements.
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