ACCOUNT-OPENING SUMMARY TABLE

  Interest Rates and Interest Charges

ANNUAL 
PERCENTAGE 
RATE (APR) for 
Purchases

APR for Balance 
Transfers

APR for Cash 
Advances

Paying Interest

For Credit Card 
Tips from the 
Consumer Financial 
Protection Bureau

 0%  introductory APR on all
purchases for six months. After 
that, your Standard APR will be 
7.99%*.
0% introductory APR for twelve
months.** After that, your 
Standard APR will be 7.99%*

0% introductory APR for six
months.** After that, your 
Standard APR will be 7.99%*

 Your due date is at least 25 
days after the close of each 
billing cycle. We will not charge 
you interest on purchases if you 
pay your entire balance by the 
due date each month. We will 
begin charging interest on cash 
advances and balance transfers 
on the transaction date.

 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

Penalty Fees
• Late Payment
• Returned Payment

Up to $25.00
Up to $25.00

How  We  Will  Calculate  Your  Balance:  We 
use  a  method  called  “average  daily  balance 
(including new purchases).” See your Credit Card 
Agreement for more details.

Billing  Rights:  Information  on  your  rights  to 
dispute  transactions  and  how  to  exercise  those 
rights is provided in this Additional Disclosure.

Your  Standard  APR  may  be  adjusted  within  a  range 
of  7.99%  to  17.99%  in  the  future  based  on  your 
creditworthiness.

**Offer  only  applies  to  balance  transfer  requests 
received  by  us  within  30  business  days  of  account 
opening.

OCTOBER 2018

M-126428

TEXAS DOW EMPLOYEES CREDIT 
UNION ADDITIONAL DISCLOSURE 
TO MASTERCARD® AGREEMENT  
AND DISCLOSURE

This  Additional  Disclosure  contains  additional  terms 
for  your  TDECU  MasterCard®  credit  card  Account. 
This  Additional  Disclosure  is  incorporated  into  the 
TDECU  MasterCard®  Agreement  and  Disclosure 
Statement  (“Agreement”)  and  should  be  maintained 
with your copy of the Agreement for future reference. 
Rates  and  fees  are  subject  to  change  from  time  to 
time.

The following terms supplement the  
Cost of Credit terms in your Agreement:

INTRODUCTORY  PURCHASES  AND  CASH 
ADVANCES RATE:   Until the 昀椀rst day of the billing 
cycle   that   includes   the   six-month   anniversary 
date  of  the  opening  of  your  Account,  you  will  pay 
an  introductory  Daily  Periodic  Rate  of  0%  for  all 
purchases and cash advances, which corresponds to 
an ANNUAL PERCENTAGE RATE of 0%. Thereafter, 
the Standard Rate set forth below will apply to your 
purchases and cash advances.

INTRODUCTORY  BALANCE  TRANSFER  RATE: 
Until  the  昀椀rst day  of  the  billing  cycle  that  includes 
the  twelve-month  anniversary  date  of  the  opening 
of  your  Account,  you  will  pay  an  introductory  Daily 
Periodic Rate of 0% for all balance transfers**, which 
corresponds to an ANNUAL PERCENTAGE RATE of 
0%. Thereafter, the Standard Rate set forth below will 
apply to your balance transfers.

the 

STANDARD  RATE:  After 
Introductory  Rate 
period,  a  Daily  Periodic  Rate  of  0.0218904%  which 
has a corresponding ANNUAL PERCENTAGE RATE 
of 7.99% will apply to all advances for your credit card 
Account.  We  may  offer  promotional  rates  from  time 
is  open  and  will 
to 
disclose those  rates  at  the  time  of  the  offer. 

time  while  your  Account 

The following terms supplement the 
fee terms in your Agreement:

         Up to $25.00
LATE PAYMENT FEE:
RETURNED PAYMENT FEE:             Up to $25.00
$5.00
TELEPHONE PAYMENT FEE:
FEDEX FEE FOR EXPEDITING
LOST, STOLEN, OR ADDITIONAL CARD:   $37.50 
Fees are subject to change from time to time.

Your Billing Rights: Keep this Document for 
Future Use

This notice tells you about your rights and our respon-
sibilities under the Fair Credit Billing Act.

What to Do if You Find a Mistake on Your Statement

If you think there is an error on your statement, write 
to us at:

Customer Service
P O Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:

• Account  information:  Your  name  and  account

number.

• Dollar  amount:  The  dollar  amount  of  the  sus-

pected error.

• Description  of  problem:  If  you  think  there  is  an
error on your statement, describe what you believe is 
wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your

statement.

• At  least  3  business  days  before  an  automated
payment is scheduled, if you want to stop payment on 
the amount you think is wrong.

You  must  notify  us  of  any  potential  errors  in writing. 
You  may  call  us,  but  if  you  do  we  are  not  required  
to  investigate  any  potential  errors  and  you  may  have  
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must
tell  you  that  we  received  your  letter. We  will  also  tell 
you if we have already corrected the error.

2. Within    90    days    of    receiving    your    letter,
we must either correct the error or explain to you why  
we believe your statement is correct.

While  we  investigate  whether  or  not  there  has  been 
an error:

• We cannot try to collect the amount in question,

or report you as delinquent on that amount.

• The  charge  in  question  may  remain  on  your
statement, and we may continue to charge you interest 
on that amount.

• While  you  do  not  have  to  pay  the  amount  in
question,  you  are  responsible  for  the  remainder  of 
your balance.

• We can  apply  any  unpaid  amount  against your

credit limit.

YourRightsIfYouAreDissatis昀椀ed WithYourCredit
CardPurchases

If  you  are  dissatis昀椀ed with  the  goods  or  services 
that you have purchased with your credit card and you 
have  tried  in  good  faith  to  correct  the  problem  with 
the  merchant,  you  may  have  the  right  not  to  pay  the 
remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The  purchase  must have  been  made  in  your
home state or within 100 miles of your current mailing 
address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed 
to  you,  or  if  we  own  the  company  that  sold  you  the 
goods or services.)

2. You  must  have  used  your  credit  card  for  the
purchase. Purchases made with cash advances from 
an ATM or with a check that accesses your credit card 
account do not qualify.

3. You  must  not  yet  have  fully  paid  for  the

purchase.

After we 昀椀nish our investigation, one of two things will 
happen:

If all of the criteria above are met and you are still 
dissatisfied with the purchase, contact us in writing at:

Customer Service
P O Box 31112
Tampa, FL 33631-3112

While  we  investigate,  the  same  rules  apply  to  the 
disputed  amount  as  discussed  above.  After  we  finish 
our  investigation,  we  will  tell  you  our  decision.  At  that 
point,  if  we  think  you  owe  an  amount  and  you  do  not 
pay, we may report you as delinquent.

Customer Service: (877) 404-1009, 24 hours a day / 
7 days a week

• If we made a mistake: You will not have to pay
the  amount  in  question  or  any  interest  or  other  fees 
related to that amount.

• If we do not believe there was a mistake: You will
have  to  pay  the  amount  in  question  along  with  appli- 
cable interest and fees. We will send you a statement 
of the amount you owe and the date payment is due. 
We may then report you as delinquent if you do not pay 
the amount we think you owe.

If you receive our explanation but still believe your 
statement  is  wrong,  you  must  write  to  us  within  10  
days telling  us  that  you  still  refuse  to  pay.  If  you  do 
so,  we  cannot  report  you  as  delinquent  without  also 
reporting  that  you  are  questioning  your  statement.  
We  must  tell  you  the  name  of  anyone  to  whom  we 
reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled 
between us.