Terms and Conditions
Collins Community Credit Union “CCCU” is extending this offer to you. When you sign and submit this application, it means you understand and agree to the following conditions: You authorize CCCU to verify your employment, income and other information you have provided and get a current credit bureau report on you. You must be at least 18 years of age and must be or become a CCCU member to apply. Offer valid from [99/99/999] to [99/99/9999].
“Prequalified” means that you have been prequalified to receive the offer. You were prequalified to receive the offer because CCCU used information contained in your credit report to determine you satisfied some of the credit worthiness established for this offering. After you respond to the offer, CCCU may determine that you do not meet all the criteria we established prior to the time of this offer or the income you report is insufficient. You have the right to prohibit information contained in your file with any credit reporting agency from being used in connection with any credit transaction that you do not initiate. You may exercise your right to do so by calling the number listed below in the paragraph captioned
“PRESCREEN & OPT-OUT NOTICE”
Please see the enclosed Visa Variable Cardholder Disclosure for important information about your account. If you receive a card, you will also receive a Cardholder Agreement which will apply to the account. CCCU may change any of the terms of the agreement at any time. CCCU will provide you notice of these changes before their effective date if required by applicable law.
PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call TransUnion at 1-888-567-8688 or visit the website atwww.optoutprescreen.com ; or write TransUnion Opt Out Request PO Box 505,Woodlyn, PA 19094-0505.