How to Apply for the Caribbean Education Foundation Credit Card

The Caribbean, despite being a hub of tourism for the world’s elite, is severely economically depressed, and supports a massive level of wealth inequality. In order to lift up those most impoverished in the region the Caribbean Education Foundation, in alliance with UMB Bank and Visa, has issued a rewards credit card which donates a small percentage of each purchase to the foundation. If you are interested in supporting the fund through the course of everyday spending you may be interested in applying for the Caribbean Education Foundation Credit Card. The application, powered by UMB bank, is easy to complete, but just in case you’re having a bit of trouble we have created a tutorial. located below, to ease you through the process.

Before you apply you may want to read through the UMB Privacy Policy. It is important these days to be completely sure of how your private data will be handled once it has been handed over to a financial entity.


Before beginning your application, read through the UMB Bank credit card requirements to ensure that you are, in fact, able to apply.

  • Be at least 18 years of age
  • Reside in the US (have a valid street address)
  • Have a valid Social Security number

How to Apply

In order to navigate to the secure application page you must first go to this page, select your desired card layout, and follow the apply now link.



Step 1- General Information

To begin the application process, you must first submit to UMB Bank a smattering of personal information. Specifically, you will need to have the following information on hand:

  • Full name
  • Date of birth
  • Social Security number
  • Current address (including duration)
  • Email address
  • mother’s maiden name
  • Phone number



Step 2- Financial Information

UMB will have to evaluate your creditworthiness in order to determine if you get the card and, if you do, which APR you will be eligible for. In addition to a credit report, which they will retrieve with the help of your personal information, they will need some basic financial info in order to construct a financial profile for you. You will need to submit the following information in order to proceed:

  • Employment status
  • Position
  • Employer name
  • Length of employment
  • Previous employer name
  • Previous position
  • Previous length of employment
  • Work phone
  • Residence status
  • Monthly housing payment
  • Primary financial institution
  • Gross annual salary
  • Other income/source


Step 3- Authorized Users (optional)

UMB allows you, the cardholder, to authorize certain other individuals to be joint users of your credit card account. As the primary account holder you will be ultimately responsible for every fee and statement associated with the card, but authorized users will be able to use their card to make purchases and withdrawals. In order to add an authorized user, should you want to, simply enter their name, date of birth, and relationship to you.


Step 4- Terms and Conditions

Take a bit of time to thoroughly peruse the Terms and Conditions of the credit card before finalizing your application and submitting it. Make sure every piece of information you’ve entered is both truthful and up-to-date.

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