Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to fill out a credit application [title] Review the credit agreement before completing or signing the application. [step] The credit agreement is usually found in the last section of the application. It outlines the terms and conditions to the consumer as required by the federal law consumer disclosure act and explains the binding agreement between you and the issuer.

Ending1: [substeps] Pay attention to the apr (annual percentage rate) and the late charge penalties (i.e. the amount you pay if you make a late payment). Ending2: You can get a copy of the credit agreement by contacting the credit card issuer's headquarters, called consumerfinder, and following the directions for approval to create a transfer agreement with your payment provider. [substeps] It's very important that you keep your contact information in writing. Ending3: Your personal information and documentation should meet the covenants of your state or that of the credit card company. Follow all legal and professional formalities during preparation regarding the application. Ending4: Be sure to read the entire agreement thoroughly and realize it is not just a statement of financial intent. [title] Find an appliance company to submit a credit application.

Answer format: ending1/ending2/ending3/ending4