You acknowledge that you have received a copy of this Agreement that contains 
the Credit Union’s terms and conditions by signing or using the issued card(s).

Information about the costs of the Credit Card Account described in this disclosure 
is accurate as of September 12, 2011. This information may have changed after 
this date. To find out what may have changed, please write to us at DuPage 
Credit Union P.O. Box 3930, Naperville, Illinois 60567-3930.

DUPAGE
Credit Union

– Where you belong

REV 9/11

services you purchase with the card if you have made a good faith attempt but 
have been unable to obtain satisfaction from the merchant or service provider, 
and (a) your purchase was made in response to an advertisement the Credit 
Union sent or participated in sending to you; or (b) your purchase cost more 
than $50 and was made in your state or within 100 miles of your home.

14. Foreign Transactions: Purchases and cash advances made in foreign  
countries and foreign currencies will be billed to you in U.S. dollars. Effective  
immediately, the exchange rate for transactions in a foreign currency will be 
either a government-mandated exchange rate, or a wholesale exchange rate 
selected by Visa/MasterCard, and that the government-mandated exchange rate,  
or a wholesale exchange rate Visa/MasterCard uses for a particular transaction is 
the rate Visa/MasterCard selects for the applicable currency on the day the trans-
action is processed, which may differ from that applicable to the date the transac-
tion occurred or when it is posted to the account. Cardholders will agree to pay 
the converted amount plus a fee up to 1%. Effective April 4, 2008, Visa will assess a 
.80% International Service Assessment (ISA) Fee on all single currency conversions. 
This fee will be applied to all purchases and cash advances that are initiated with 
merchants processing in U.S. currency but located outside of the U.S.

15. Changing or Terminating Your Account: The Credit Union may change the 
terms of this Agreement from time to time after giving you any advance notice 
required by law. Your use of the card after receiving notice of a change will indi-
cate your agreement to the change. To the extent the law permits, and indicated 
in the notice to you, the change will apply to your existing account balance as 
well as future transactions.

Either the Credit Union or you may terminate this agreement at any time, but 
termination by you or the Credit Union will not affect your obligation to pay the 
account balance plus any finance charges and other charges you owe under this 
Agreement. The cards you receive remain the property of the Credit Union and 
you must recover and surrender to the Credit Union all cards upon request or 
upon termination of this Agreement whether by you or the Credit Union. Failure 
to surrender your cards will result in a card recovery fee of $50 each, should you 
attempt to use the cards.

16. Copies of Documentation: You will be charged a fee for each copy of a draft 
or monthly statement that you request from us. The fee will be handled by the 
Credit Union as an adjustment to the account balance, not as a purchase and 
may not be charged a Finance Charge.

17. Effect of Agreement/Waiver: This agreement is the contract which applies 
to all transactions on your account even though the sales, cash advances, credit 
or other slips you sign or receive may contain different terms. The Credit Union 
can delay enforcing any of its rights any number of times without losing them.

18. Statements and Notices: You will receive a statement each month showing 
transactions on your account. You are responsible for your minimum monthly 
payment even in the event your statement is late or returned to the Credit 
Union. Statements and notices will be mailed to you at the most recent address 
you have given the Credit Union. Notice sent to any one of you will be considered 
notice to all.

19. Illegal Transactions: You will not use your DuPage Credit Union VISA® Credit 
Card for any illegal transaction.

20. Internet Gambling: You may use your card to purchase goods and services 
from participating merchants. However, you may not use your card to initiate any 
type of electronic gambling transaction through the Internet. Also, you agree 
that you will not use your card for any transaction that is illegal under applicable 
federal, state, or local law.

21. Your Billing Rights—Keep This Notice For Future Use: This notice contains 
important information about your rights and our responsibilities under the Fair 
Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. 
Any dispute or errors need to be put in writing and sent to: DuPage Credit 
Union, ATTN: Card Sales, P.O. Box 3930, Naperville, IL 60567. We must hear from 
you no later than 60 days after we sent you the first statement on which the 
error or problem appeared. You can telephone us, but doing so will not preserve 
your rights. In your letter, give us the following information:

   Your name and account number.
   The dollar amount of the suspected error.
   Describe the error and explain, if you can, why you believe there is an error. 
If you need more information, describe the item you are not sure about.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR 
WRITTEN NOTICE. We must acknowledge your letter within 30 days, unless 
we have corrected the error by then. Within 90 days, we must either correct the 
error or explain why we believe the statement was correct. After we receive your 
letter, we cannot try to collect any amount you question, or report you as delin-
quent. We can continue to send statements to you for the amount you question, 
including finance charges, and we can apply any unpaid amount against your 
credit limit. You do not have to pay any questioned amount while we are 
investigating, but you are still obligated to pay the parts of your statement that 
are not in question. If we find that we made a mistake on your statement, you 
will not have to pay any finance charges related to any questioned amount. If we 
didn’t make a mistake, you may have to pay finance charges and you will have to 
make up any missed payments on the questioned amount. In either case, we will 
send you a statement of the amount you owe and the date that it is due. If you 
fail to pay the amount that we think you owe, we may report you as delinquent. 
However, if our explanation does not satisfy you and you write to us within 10 days 
telling us that you still refuse to pay, we must tell anyone we report you to that you 
have a question about your statement. And, we must tell you the name of anyone 
we reported you to. We must tell anyone we report you to that the matter has 
been settled between us when it finally is. If we don’t follow these rules, we can’t 
collect the first $50 of the questioned amount, even if your statement was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES. If you have a problem with 
the quality of property or services that you purchased with a 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 property or services. 
There are two limitations on this right:

(a) You must have made the purchase in your home state or, if not within your 
home state, within 100 miles of your current mailing address; and (b) The  
purchase price must have been more than $50. These limitations do not apply  
if we own or operate the merchant, or if we mailed you the advertisement for 
the property or services.

USA PATRIOT ACT. Pursuant to requirements of law, including the USA Patriot Act, 
DuPage Credit Union is obtaining information and will take necessary actions to 
verify your identity. Pursuant to the FACT Act address changes will only be  
accepted via in person and by mail with proper Credit Union verification.

State laws require the following notices: California Residents: Regardless of 
your marital status, you may apply for credit in your name only. New York  
Residents: May contact the New York State Banking Department at 800.518.8866 
to obtain a comparative listing of Credit Card rates, fees and grace periods. Ohio 
Residents: Ohio anti-discrimination laws require creditors to make credit equally 
available to all creditworthy customers and that credit reporting agencies main-
tain separate credit histories on each individual upon request. The Ohio  
Civil Rights Commission administers these laws. Married Wisconsin Residents: 
No provision of any marital property agreement, unilateral statement, or court 
order applying to marital property will adversely affect a creditor’s interest unless, 
prior to the time credit is granted, the creditor is furnished with a copy of the 
agreement, statement or court order, or has actual knowledge of the provision.

DuPage Credit Union
VISA® Platinum Rewards
Truth-In-Lending Terms and Conditions

In this Agreement the words you and your mean each and all of those who sign 
or use the issued VISA® Card. Card means a VISA® Credit Card and any duplicates 
and renewals the Credit Union issues. Account means your VISA® Credit Card line 
of credit account with the Credit Union. Credit Union, we, us, and our means the 
Credit Union whose name appears in this Agreement.

1. Using the Account/Credit Limit: You are approved for a VISA® account. 
Signing and using your DuPage Credit Union VISA® Card signifies acceptance of 
the following terms and conditions. You agree not to let your account balance 
exceed your approved credit limit. Each payment you make on the account will 
restore your credit limit by the amount of the payment which is applied to the 
principal amount of purchases and cash advances. You may request an increase 
in your credit limit by making a request to the Credit Union. The Credit Union 
has the right to reduce or terminate your credit limit at any time.

2. Responsibility: You agree to repay all debts and the Finance Charge arising 
from the use of the card and the card account. For example, you are respon-
sible for charges made by yourself, your spouse and minor children. You are 
responsible for charges made by anyone else to whom you give the card, and 
this responsibility continues until the card is recovered. You cannot disclaim 
responsibility by notifying us, but we will close the account for new transactions 
if you so request and return all cards. If either party closes the account, the credit 
card(s) must be surrendered to the Credit Union. Should unauthorized use occur 
after the account is closed, the card will be picked up by a merchant, and you 
will be responsible for each $50 card recovery fee. Your obligation to pay the 
account balance continues even though an agreement, divorce decree or other 
court judgment to which we are not a party may direct you or one of the other 
persons responsible to pay the account. Any person using the card is jointly 
responsible with you for charges he or she makes, but if that person signs the 
card he or she becomes a party to this Agreement and is jointly responsible for 
all charges on the account, including yours.

3. Liability For Unauthorized Use/Lost Card Notification: You agree to notify 
us immediately, orally or in writing of the loss, theft or unauthorized use of your 
Credit Card. If your credit card is lost or stolen, you must notify us in writing at 
the address below or phone us. For stolen cards, include a copy of the police re-
port. Unless you have been grossly negligent or have engaged in fraud, you will 
not be liable for any unauthorized transactions using your lost or stolen VISA® 
Credit Card. This additional limit on liability does not apply on ATM transactions 
using your PIN that are not processed by VISA®, or to commercial cards.

DuPage Credit Union 
ATTN: Card Sales 
P.O. Box 3930, Naperville, Illinois 60567-3930 
Telephone Number 800.323.2611

4. Monthly Payment: Each month you must pay at least the minimum payment 
shown on your statement within 25 days of the statement closing date. You 
may, of course, pay more frequently, pay more than the minimum payment, 
or pay the Total New Balance in full. If you make extra payments or larger 
payments, you are still required to make at least the minimum payment each 
month your account has a balance. The minimum payment is 2% of the Total 
New Balance but not less than $25.00, plus the amount of any prior minimum 
payments that you have not paid. In addition, at any time your Total New 
Balance exceeds your credit limit, you must immediately pay the excess upon 
demand. The Credit Union may apply your payments to what you owe in any 
manner the Credit Union chooses. We will apply payments paid in excess of the 
minimum payment due first to the balance bearing the highest rate of interest, 

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and then to each successive balance bearing the next highest rate of interest, 
until the payment is exhausted.

VISA® Platinum Rewards

5. Finance Charges: In order to avoid a finance charge on Purchases made 
since your last statement date, you must pay the Total New Balance shown on 
your statement within 25 days of the statement closing date. Otherwise, finance 
charges on purchases are calculated from the beginning of the next statement 
period on previously billed but unpaid purchases and on new purchases from the 
date they are posted to your account. Cash advances are always subject to finance 
charge from the date of transaction. We figure the finance charge separately for 
purchases and cash advances on your account by applying the applicable periodic 
rate set forth below to the “average daily balance” of purchases (including current 
transactions), and to the “average daily balance” of cash advances (including 
current transactions). To get each “average daily balance”, we take the beginning 
balance each day, add any new purchases (if calculating the “average daily 
balance” for purchases), add any new cash advances (if calculating the “average 
daily balance” for cash advances), and subtract any payments or credits. This 
gives us the daily balance. Then, we add up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing cycle. This gives us 
the “average daily balance.”

6. Other Fees and Charges: Other fees and charges that will be added are as 
shown in the table to the right.

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases

12.88%

APR for Balance Transfers

APR for Cash Advances

14.88%

14.88%

Penalty APR and When it Applies

A Penalty APR will not be charged.

How to Avoid Paying Interest  
on Purchases

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your 
entire balance by the due date each month.

Minimum Interest Charge

There is no minimum interest charge.

For Credit Card Tips from the
Federal Reserve Board

To learn more about factors to consider when applying for or using  
a credit card, visit the website of the Federal Reserve Board at  
http://www.federalreserve.gov/creditcard.

Fees

Annual Fee

Transaction Fees

  Cash Advance

  Foreign Transaction

Penalty Fees

  Late Payment
  Over-the-Credit-Limit
  Returned Payment

Other Fees

  Returned Convenience Check
  Expedited Card Delivery

None

3% of the Cash Advance including Convenience Checks unless otherwise disclosed  
($5 minimum/$50 maximum fee)
1% of each transaction in US Dollars

Up to $25
None
Up to $25

$25

$30

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
If you fail to make two consecutive required payments on your account you will be considered in default and all Choice Rewards Points  
will be forfeited. 
The fee if you need to replace this card is $10.

7. Cash Advance/Balance Transfer Information: Cash Advances/Balance 
Transfers are not subject to a grace period. DuPage Credit Union is not responsible 
for any merchant delays in processing transactions. Balance Transfers cannot be 
used to pay other DuPage Credit Union obligations.

Cash Advance Fee: The fee will be added to the appropriate advance balance 
with the cash advance. (The amount of the cash advance may include a surcharge 
that the ATM owner imposes.)

8. Current DuPage Credit Union VISA® Platinum Rewards Cardholders:  
Upon signing an application for a DuPage Credit Union Platinum Advantage 
VISA® Credit Card, you agree to forfeit all unused Choice Rewards Points.

9. Security Interest: If you give the Credit Union a specific pledge of savings  
by signing a separate pledge of savings for this account, your account will be  
secured by your pledged savings. To secure your account you grant us a 
purchase money security interest under the Uniform Commercial Code in any 
goods you purchase through the account. If you default, we will have the right 
to recover any of these goods that have not been paid for through our application 
of your payments in the manner described above. Collateral securing other loans 
with us may also secure this account.

10. Default: You will be in default if you fail to make any minimum payment 
or other required payment by the date that it is due. You will be in default if 
you break any promise you make under this Agreement. You will be in default 
if you die, file for bankruptcy or become insolvent, that is, unable to pay your 
obligations when they become due. You will be in default if you make any false 
or misleading statements in any credit application or credit update. You will 
also be in default if something happens which the Credit Union believes may 
substantially reduce your ability to repay what you owe. When you are in default, 
the Credit Union has the right to demand immediate payment of your full 
account balance without notice. If immediate payment is demanded, you will 
continue to pay finance charges and fees until what you owe has been paid, and 
any savings that were given as security will be applied towards what you owe. 
We may enter into a contingent or hourly fee arrangement with an attorney 
and/or collection agency to collect the amounts you owe us and you agree 
that such arrangement is reasonable. This provision also applies to bankruptcy, 
appeals or post-judgment proceedings. You promise to pay all costs of collecting 
the amount you owe if your VISA® account is in default. These costs will include 
reasonable attorney fees, court costs and/or collection agency fees and all other 
costs permitted under state law and regulation.

The Credit Union reserves the right to remove all unredeemed Choice Rewards 
Points if you fail to make a required payment for two consecutive billing cycles, 
your account is not in good standing, your account is inactive for a 6-month 
period of time or the Credit Union detects suspicious activity.

11. Using the Card: You may use the card issued to you to make purchases in 
person, and by mail or telephone from merchants and others who accept credit 
cards. In addition, you may obtain cash advances from the Credit Union, from 
other financial institutions participating in the VISA® program, and from auto-
mated teller machines (ATM’s), such as VISA® ATM network, that provide access 
to the VISA® system. (Not all ATM’s provide such access.) You will need to use your 
Personal Identification Number (PIN) to obtain a cash advance from an ATM.

12. Returns and Adjustments: Merchants and others who honor the Card may 
give credit for returns or adjustments, and they will do so by sending us a credit 
slip which we will post to your account. If your credits and payments exceed what 
you owe us, we will hold and apply this credit balance against future purchases 
and cash advances, or if it is $1 or more, refund it on your written request or 
automatically after 6 months.

13. Merchant Disputes: The Credit Union is not responsible for the refusal 
of any merchant or financial institution to honor the card. The Credit Union is 
subject to claims and defenses (other than tort claims) arising out of goods or 

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