Credit Union Credit Card Disclosures 

Please click the links below to view important disclosures: 

United States Credit Cards 

  Cash Rewards Visa® Credit Card 

  Travel Rewards Visa® Credit Card 

  Simply Visa® Credit Card 

  Visa® LAUNCH™ Credit Card 

 

 Consumer Credit Card Agreement 

Puerto Rico Credit Cards 

  Visa® Rewards Credit Card 

  Simply Visa® Credit Card 

  Visa® LAUNCH™ Credit Card 

 

 Consumer Credit Card Agreement 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Back to Top 

 
 
 
Back to Top 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSUMER 
CREDIT CARD 
AGREEMENT 

AND 
DISCLOSURE 

VISA  

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening 
documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as “Agreement”) 
govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and “Credit Union” refers to Baxter Credit Union DBA 
BCU with which this Agreement is made. “You,” “Your,” and “Yours” refers to each applicant and co-applicant for the Account; any 
person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® 
credit card and any other access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues 
to You. "Account" means the line of credit established by this Agreement and includes Your Card. 

SECURITY INTEREST 

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights 
the Credit Union may have in any goods You purchase. 

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares 
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account 
until the Credit Union agrees to release all or part of the pledged amount. 

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security are not subject to the security 
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any 
periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a 
covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
not a covered borrower; or (ii) You cease to be a covered borrower. 

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
anything to the contrary in any other Agreement. 

1.  USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to 
use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions. 
2.  CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the 
credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, 
fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We 
may increase or  decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason 
permitted by law. 

 
 
  
  
 
 
 
 
 
 
 
 
3.  CONVENIENCE CHECKS — We may, from time to time, issue convenience checks to You that may be drawn on Your Account. 
Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your 
Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your  Account for any reason and 
such refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your 
Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your 
Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in 
advance of the presentment of the check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your 
request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, 
and the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will expire after 14 
days unless You confirm Your request in writing within that time. Written stop payment orders are effective only for six months and 
may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required 
to notify You when a stop payment order expires.  
If We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a statement describing 
the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of the check and to assist Us in any 
legal action.  
You agree to indemnify and hold Us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to 
Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to Us or 
the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined 
under the Uniform Commercial Code. It is an advance from Your credit card Account with Us and Your stop payment rights are provided 
under this Agreement with Us.  
4.  REPAYMENT — You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all transactions 
made to Your Account by You or anyone You authorize to use Your Account as well as all interest charges and fees. 
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. 
The Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past due and any 
amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $20.00, then Your Minimum 
Payment Due is the amount of the total New Balance.  
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full. 
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your Account 
has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the date the payment is 
posted or the Credit Union confirms the payment has cleared.  
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner the Credit 
Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum Payment Due, the Credit 
Union will allocate the excess amount first to the balance with the highest annual percentage rate (“APR”) and any remaining  portion 
to the other balances in descending order based on applicable APR, unless otherwise prescribed by  applicable law. We may accept 
checks marked "payment in full" or with words of similar effect without losing any of Our rights to collect the full balance of Your Account 
with Us.  
5. 
INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on the date the transaction is posted 
to Your Account. We will begin charging You interest on cash advances and balance transfers on the date of the transaction or the 
first day of the billing cycle in which the transaction is posted to Your Account, whichever is later (transaction date). However, We will 
not charge You any interest on new purchases if Your Account had a zero or credit balance at the beginning of that billing cycle, or 
You paid the entire new balance on the previous cycle's billing statement by the Payment Due Date of that statement. To avoid an 
additional finance charge on the balance of purchases, You must pay the entire new balance on the billing statement by the Payment 
Due Date of that statement. 
How We Calculate Your Balance: 
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances (“Transaction Type”). 
We figure the interest charge for each Transaction Type by applying the periodic rate to each corresponding “average daily balance.” 
To get the “average daily balance” for a Transaction Type We take the beginning balance for that Transaction Type each day, add any 
new transactions of that type, and subtract any unpaid interest or other finance charges and any applicable payments or credits. This 
gives Us the daily balance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing 
cycle and divide each total by the number of days in the billing cycle. This gives Us the “average daily balance” for each Transaction 
Type. 
6.  FEES — In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your Account, the fee 
amounts and explanations are disclosed on the Account Opening Disclosure accompanying this Agreement.  
7.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your Account in 
U.S.  dollars.  The  exchange  rate  between  the  transaction  currency  and  the  billing  currency  used  for  processing  international 
transactions  is  a  rate  selected  by  Visa  from  a  range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  central 
processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable 
central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on  the 
purchase date or cardholder statement posting date. 
A  fee  (finance  charge)  will  be  charged  on  all  transactions  completed  in  a  foreign  currency.  All  fees  are  calculated  based  on  the 
transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee 
is set forth on the Disclosure accompanying this Agreement.  

8.  AUTHORIZATIONS  — We do  not  guarantee authorization of a transaction,  either by  Us or by  a third  party, even  if  You  have 
sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also reserve the right to limit the 
number of transactions that may be approved in one day. We reserve the right to deny certain transactions for any reason and at Our 
sole discretion, including for default, suspected fraudulent or unlawful activity, internet gambling or any indication of increased risk 
related to the transaction or the Account. You agree that We have no requirement to notify You of the specific reason We denied a 
transaction. If We detect unusual or suspicious activity, We may suspend Your credit privileges until We can verify the activity, or We 
may close the Account. 
9.  PREAUTHORIZED CHARGES — If You default, if the Card is lost or stolen, or We change the Account for any reason, We may 
suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are responsible for making direct 
payment for such charges until You contact the third party to reinstate the automatic charges. 
10.  DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment Due Date; 
pay by a check or similar instrument that is not honored or that We must return because it cannot be processed; pay by automatic 
debit that is returned unpaid; make any false or misleading statements in any credit application or credit update; file for bankruptcy; or 
die. You will also be in default if You fail to comply with the terms of this Agreement or any other Agreement You have with Us.  
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable law. In this 
Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share and/or deposit accounts 
with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts to any amounts due. You agree We 
may rely on Your agreement and authorization to, upon Your default, apply any balance to any amounts due on Your Account.   
11.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — If You notice the loss or theft of Your credit 
card or a possible unauthorized use of Your Card, You should write to Us immediately at 340 N. Milwaukee Ave., Vernon Hills,  IL, 
60061 or call Us at (800) 449-7728, seven days a week 24 hours a day. 
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for unauthorized use that 
occurs before Your notice to Us. You will have no liability for unauthorized use unless You are found to be fraudulent or negligent in 
the handling of Your Account or Card. In any case, Your liability for unauthorized transactions will not exceed $50. 
12.  CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As  permitted  by  law,  the  Credit  Union  may  change  the  terms  of  this 
Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. To 
the extent permitted by law, changes to the Agreement may apply to Your existing account balance as well as to future transactions.  
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either You, Your 
spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or the Credit Union  will 
not  affect  Your  obligation  to  pay  the  account  balance  plus  any  finance  and  other  charges  You  or  Your  spouse  owe  under  this 
Agreement. Your obligation to pay the account balance plus any finance and other charges You owe under this agreement are subject 
to all applicable laws and regulations regarding repayment requirements. The Card or 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.  
Residents of all other states - Either You or the Credit Union 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 and other charges You owe under  this 
Agreement. Your obligation to pay the account balance plus any finance and other charges You owe under this agreement are subject 
to all applicable laws and regulations regarding repayment requirements. The Card or 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. 
13.  AUTHORIZED USERS — Upon Your request, We may issue additional Cards for authorized users that You designate. You must 
notify Us in writing of any termination of an authorized user's right to access Your Account. Your notice must include the name of the 
authorized user and Your Account number and/or any subaccount number issued to the authorized user along with the authorized 
user's Card and any convenience or other access checks issued to the authorized user. If You cannot return the authorized user's 
Card  or access checks and  if  You request  Your Account to be closed, We will  close  Your Account and  You may  apply for  a  new 
Account. Alternatively, We may, at Our sole discretion, issue You a new Account number and a new Card. 
14.  CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION — You authorize the Credit Union to obtain credit reports and 
any other information We may need to verify Your identity and use of the Account when opening Your Account and for any update, 
increase, renewal, extension, collection or review of Your Account. You authorize the Credit Union to disclose information regarding 
Your Account to credit bureaus and creditors who inquire about Your credit standing. We may report information about Your Account 
to credit bureaus. Late payments, missed payments, or other defaults on Your Account may be reflected on Your credit report. 
15.  JOINT ACCOUNTS — If this is a joint Account, each of You will be individually and jointly responsible for paying all amounts owed 
under this Agreement. This means that the Credit Union can require any one of You individually to repay the entire amount owed under 
this Agreement. Each of You authorizes the other(s) to make transactions on the Account individually. Any one of You may terminate 
the Account and the termination will be effective as to all of You. 
16.  EFFECT OF AGREEMENT — 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. 
17.  SEVERABILITY AND FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of Your Account. 
This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any part of this Agreement be 
found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and fully enforceable to the fullest extent 
possible under this Agreement. 

18.  ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including any type 
of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.  
Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in connection with 
the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 
19.  APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of Illinois. 
20.  ENFORCING THIS AGREEMENT — We can delay in enforcing or fail to enforce any of Our rights under this Agreement without 
losing them. 
21.  COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are liable for 
any reasonable attorney’s fees We incur, plus the costs and expenses of any legal action, as further disclosed on this Agreement, or 
to the extent allowed by law. 
22.  ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party. 
23.  CALIFORNIA RESIDENTS — A married applicant may apply for a separate Account. Applicants: 1) may, after credit approval, 
use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required 
by law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting 
agency if You fail to fulfill the terms of Your credit obligations.  
24.  FLORIDA  RESIDENTS  —  You  (borrower)  agree  that,  should  We  obtain  a  judgment  against  You,  a  portion  of  Your 
disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida and Federal law. 
25.  MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your Card 
Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 
26.  MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from enforcing 
repayment of a debt including promises to extend or renew such debt are not enforceable. To protect You (borrower(s)) and 
Us (creditor) from misunderstanding or disappointment, any Agreements We reach covering such matters are contained in 
this writing, which is the complete and exclusive statement of the Agreement between Us, except as We may later agree in 
writing to modify it.  
27.  NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review, modification, 
renewal or collections associated with this Account. Upon Your request, You will be informed whether such report was requested and, 
if so, the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York 
State  Banking Department at 800.342.3736  or  www.dfs.ny.gov  to obtain  a comparative  listing of credit card rates, fees and grace 
periods.  
28.  OHIO  RESIDENTS  —  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio 
Civil Rights Commission administers compliance with this law. 
29.  SOUTH DAKOTA RESIDENTS — If You believe there have been any improprieties in making this loan or in the lender’s loan 
practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 
605.773.3421. 
30.  WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the address or 
phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are required to inform Your 
spouse that We have opened an Account for You. 
31.  NOTICE TO UTAH BORROWERS — This written Agreement is a final expression of the Agreement between You and the Credit 
Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified 
that a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms 
of Your credit obligations. 
32.  THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS NOTE 
MEANS THAT YOU  ARE  EQUALLY LIABLE FOR  REPAYMENT OF THIS LOAN. IF THE  BORROWER  DOES NOT PAY, THE 
LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

 
 
Your Billing Rights: Keep this Document for Future Use 

This notice tells You about Your rights and Our responsibilities 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 the address listed on Your statement. 
In Your letter, give Us the following information: 

-  Account information: Your name and Account number. 

-  Dollar amount: The dollar amount of the suspected error. 

-  Description of problem: If You think there is an error on Your bill, 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 three 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 or electronically. 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 the bill 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.  
After We finish Our investigation, one of two things will happen: 

-  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 applicable 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 bill 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 bill. 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. 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If You are dissatisfied 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. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at the address 
listed on Your statement. 
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.