Zeal Credit Union

YOU'RE PRE-APPROVED FOR A ZEAL VISA® CREDIT CARD WITH A GREAT RATE

YOU'RE PRE-APPROVED1 FOR A ZEAL VISA® CREDIT CARD AS LOW AS 7.75% APR2

A PRE-APPROVED1 CREDIT CARD JUST FOR YOU!
A brighter future starts with a Zeal Visa® Credit Card.
We are please to invite you to take advantage of this special offer.
With a Zeal Visa® Credit Card you could save right from the start with a low introductory rate of 7.75% APR2 on purchases and balance transfers.2

TAKE ADVANTAGE OF THIS AMAZING OFFER!

No annual fee
25-day interest-free grace period
Fraud prevention monitoring

LEARN MORE >

ACCEPT YOUR ZEAL CREDIT UNION CREDIT CARD TODAY!

CALL:

734-742-5060

CLICK:

SIMPLY CLICK HERE TO START

VISIT US:

12 locations to serve you

HURRY OFFER ENDS ((Month XX)), 2020.

17250 NEWBURGH ROAD | LIVONIA, MI 48152 | 800-321-8570 | WWW‌.ZEALCU.‌ORG

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.

†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. 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 the consumer reporting agencies toll-free at 1-888-5OPT-OUT(1-888-567-8688); or visit the website at www.optoutprescreen.com or write:
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123
TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013

We used information on you that we obtained from a consumer reporting agency in connection with this “Pre-Approved” offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. Terms and conditions apply. Income verification required. Not all applicants will qualify for the lowest rate.

APR = Annual Percentage Rate. Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for a Zeal Credit Union Visa® Credit Card with a limit of at least $((XX,XXX)). The maximum APR for a Zeal Credit Union Visa® Credit Card is 11.9%. Rates current as of June 19, 2020, and are subject to change based on market conditions and borrower eligibility. Application must be received by ((XX/XX/XXXX)) to receive promotional rate. Other restrictions may apply. Membership eligibility is required.

CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

X.XX% to X.XX% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

X.XX% to X.XX% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

X.XX% to X.XX% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least XX days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

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

Fees

Annual Fee

None

Transaction Fees

• Balance Transfer

• Cash Advance

• Foreign Transaction

$X.XX or X.XX% of the amount of each balance transfer, whichever is greater

$X.XX or X.XX% of the amount of each cash advance, whichever is greater

XX% of each transaction in U.S. dollars

Penalty Fees

• Late Payment

• Over-the-Credit-Limit

• Returned Payment

$XX

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases).""

Effective Date. The information about the costs of the card described in this disclosure is accurate as of ((Month XX)), ((20XX)). This information may have changed after that date. To find out what may have changed, contact Zeal Credit Union.