Credit card application | Goldspire Bank

International credit history (optional)

If you have credit history from another country, you may choose to share it with your application. This information may be considered but is not required to apply or to be approved. Consideration of international credit data is subject to our underwriting policies. If you maintain a credit freeze or fraud alert, you may need to take steps to allow review before we can consider supplemental international history.

Eligible countries for optional submission: Canada and the United Kingdom.

Yes, I would like to share international credit history for consideration.

Identity verification authorization

I authorize Goldspire Bank and its designated identity verification providers to verify my identity using the information I have provided (including name, Last 4 Digits, and date of birth) and to obtain consumer reports as permitted by law for the purpose of processing this credit application.

I provide my electronic signature for the authorization above.

Financial information

Type of residence

Employment status

Total gross annual income (USD)

You should know: Enter income you earn or reasonably expect to earn. If you are 21 or older and regularly rely on income from others to pay your obligations, you may include that amount where permitted. Alimony, child support, or separate maintenance income need not be disclosed unless you wish it considered. If you include non-taxable income, you may increase the amount by 25% unless your records support a different adjustment.

Authorized users

You may request up to five authorized users on your account if approved. Each authorized user may receive a card in their name. Authorized users are not liable for balances; the primary cardmember remains responsible for all charges and payments.

I intend to add authorized user(s) and understand Goldspire will collect their information in accordance with applicable law.

Balance transfer

If approved, you may be able to transfer balances from eligible accounts subject to credit limit and program rules. Transfers may be subject to fees disclosed in the pricing summary. Continue paying other creditors until transfers post.

I want to request balance transfer(s) and will provide account details if asked.

Balance transfer notes (optional)

Statement delivery

Paperless statements let you view and print documents in Online Banking. You may change delivery preferences at any time. Printed statements by mail may be available if you turn paperless off.

Paperless — On Paper statements by mail

Pricing & terms summary

Illustrative example only. Actual rates, fees, and limits depend on creditworthiness and are disclosed in your agreement if approved.

View example pricing table

Interest rates & interest charges
Purchase APR	Introductory 0% for 15 billing cycles from account opening, then variable 18.24%–27.74% based on credit and other factors.
Balance transfer APR	Same introductory and post-introductory terms as purchases where offered.
Cash advance APR	Variable 28.49%.
Penalty APR	Up to 29.99% if required payments are late or returned, as described in your agreement.
Fees
Annual fee	None for this example product.
Balance transfer fee	Intro: greater of 3% or $5 per transfer within 60 days of opening; thereafter greater of 5% or $5, where permitted.
Foreign transaction	3% of each transaction in U.S. dollars.
Late / return payment	Up to $40 each, where applicable.

Credit card tips from the Consumer Financial Protection Bureau

Important terms & disclosures

Read full terms, authorizations, and state notices

Authorizations

By submitting this application, you authorize Goldspire Bank to obtain consumer reports, verify employment and income, and use information about your accounts with us and others as permitted by law to evaluate this request and manage any account opened. If an account is opened, use of the account constitutes agreement to the Cardmember Agreement and disclosures provided with your card.

Balance transfers

Transfers are contingent upon account approval and available credit.
We may decline or reduce transfers that exceed approved limits or program caps.
Do not transfer balances from accounts issued by Goldspire or our affiliates if restricted by program rules.

Authorized users

Authorized users share the account number and charging privileges but are not financially liable. Account information may be reported to consumer reporting agencies for all users and may affect their credit scores. By adding a user, you confirm you have a relationship with that person, that their information is accurate, and that you have consent to add them.

Eligibility & changes

Offers may not be available to current or recent cardmembers of the same product family per program rules. Rates, fees, and benefits may change as described in your agreement. You must meet age and residency requirements for your state or territory.

Military Lending Act

Federal law provides protections for covered borrowers and dependents. The MAPR for covered credit generally may not exceed 36%, inclusive of certain fees and charges. For a verbal description of your payment obligation, contact Private Client Service.

USA PATRIOT Act

Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, including name, address, date of birth, and identification numbers.

State notices

New York: For comparative credit card information, contact the New York State Department of Financial Services.

Ohio: The Ohio Civil Rights Commission administers compliance with credit discrimination laws.

Wisconsin (married applicants): Certain marital property agreements may affect credit; obligations may be incurred in the interest of your marriage or family. Additional spouse information may be required.

Information sharing

We and affiliates may share information as described in our Privacy Policy. You may have rights to limit certain marketing sharing as provided in that policy and applicable law.

Certifications

I certify that I have read and agree to the pricing, terms, conditions, authorizations, and disclosures provided with this credit request, and that all information is true and correct.

I understand that any approved balance transfers will be processed according to program timing and that I must continue payments to other creditors until transfers post.

I will be responsible for all balances on this account and understand how authorized users are treated under the agreement.

I understand that account terms, including APRs, may change as permitted by law and my Cardmember Agreement.

I have read and agree to the certifications above.

This demonstration form submits to a maintenance page. In production, your information would be encrypted and processed according to our Privacy Policy and regulatory requirements.