How to Apply for the International Living Future Institute Credit Card

The International Living Future Institute Credit Card is offered in partnership with Beneficial State Bank, a community developed bank that aims to build the long-term prosperity of responsible consumers and supports companies that have a commitment to the environment. Acquiring this credit card means that you’ll be helping ILFI and Beneficial State Bank further their mission as a portion of each purchase made with your card goes directly to their cause. The interest rate that you will be paying on these purchases will be set somewhere between 10.24% and 20.24% depending on your creditworthiness (APR is subject to change). This rate applies to balance transfers as well, though for the first 6 months you will receive an introductory 0% APR. The point based rewards program will enable you to earn 1 point for every $1 spent with the card. When enough points have been earned, you can cash them in for flights, hotel stays, car rentals, and much more. To find out how you can apply for the International Living Future Institute Credit Card, scroll down to our tutorial below.

TCM Bank is the financial institution which has issued this credit card. Take a moment to review their privacy policy to learn how your personal information will be used.


The following requirements must be met in order to be eligible for this card:

  • You are at least 18 years of age
  • You have a valid SSN
  • You reside in the United States or one of the approved US territories

How to Apply

Step 1- The application process for the International Living Future Institute Credit Card begins on this webpage. Scroll down the page until you see an image like the one displayed below. To proceed, click the Apply Now link.


Step 2- Use the drop-down menu and choose between Individual or Joint to specify the Applicant Type. After making your selection, click Next to proceed.


Step 3- On this page, you are required to supply a variety of personal details. Under Personal Information, specify the following:

  • First name
  • Last name
  • Mother’s maiden name
  • Email address
  • Verify email address
  • Primary phone number
  • Physical address
  • City
  • State
  • Zip
  • Years and months you’ve lived at your address


Step 4- If your mailing address is the same as your physical address, indicate this by checking the small box above the Mailing Address field. Continue by choosing a Preferred Method of Contact and supply your Social Sec. No and Date Of Birth.


Step 5- If you have lived at your current address for less than 2 years, enter-in your full Previous Address and specify the length of time you lived there for.


Step 6- Under the Employment Information heading, specify the following details:

  • Employer name
  • Occupation
  • Title
  • Length of employment
  • Business address (street, city, state, zip)
  • Business phone number


Step 7- If you have been working at your current job for less than 2 years, provide the name and address of your Previous Employer.


Step 8- In the blank fields, supply your Gross Monthly Income, Other Monthly Income Available to repay this debt, and describe any Other Income.


Step 9- Choose one of the options under Housing Information to specify your living situation. You must also provide your Monthly (housing) Payment. Click Next to proceed.


Step 10- At this juncture, you are able to add an authorized user to this credit card and/or consolidate your previous balances into one bill by performing a balance transfer. If you don’t wish to perform either of these tasks, skip this section


Step 11- Here you are required to provide your bank’s Contact Name, Phone Number and Branch Location. Just below that, you can enter-in any questions or comments that you may have. Lastly, at the bottom of this page, supply your Branch Number and CSRID. When you are ready to proceed, click Next.


Step 12- This page provides you with the terms and conditions for this credit card. Read this document over carefully before checking the small box under Authorization to indicate that you comply with said terms and conditions.



Step 13- Just above the Print Disclosure link, you should see a small box. This box must be checked in order to provide confirmation that you are able to receive the disclosures associated with this credit card electronically. When you are certain that your application has been filled out correctly, click Submit to send your card request in to TCM Bank for review. Confirmation should be received shortly regarding the acceptance of your submission.


We here at Card Reviews want to thank you for choosing us as your credit card expert. Best of luck with your new card and happy banking!