1212 Huxley St 
Madison, WI 53704-4224 
1-888-432-8496

Consumer Credit Card Agreement 

In this Agreement, “Agreement” means this Consumer 
Credit Card Agreement. “Disclosure” means the 
Credit Card Account Opening Disclosure. The 
Account Opening Disclosure is incorporated into this 
Consumer Credit Card Agreement and is part of the 
Agreement. In this Agreement the words "you," “your,” 
and "yours" mean each and all of those who agree to 
be bound by this Agreement; "card" means the Visa 
credit card and any duplicates, renewals, or 
substitutions the Credit Union issues to you; "account" 
means your Visa credit card line-of-credit account 
with the Credit Union; and "Credit Union" means the 
Credit Union whose name appears on this Agreement 
or anyone to whom the Credit Union transfers this 
Agreement.  

1. USING YOUR ACCOUNT - If you are approved for
an account, the Credit Union will establish a line of
credit for you. You agree that your credit limit is the
maximum amount (purchases, cash advances,
finance charges, plus "other charges") which you will
have outstanding on your account at any time. Unless
disclosed otherwise, the Credit Union will not allow
advances over the credit limit. If the Credit Union has
a program whereby it allows payment of advances
that exceed your credit limit, subject to a fee, the
Credit Union will provide you with notice, either orally,
in writing, or electronically (notwithstanding the
requirements of the paragraph entitled “Statements
and Notices”) explaining your right to opt in to the
Credit Union’s program whereby it will honor advance
requests over the credit limit. In the event you opt in
to such a program, you agree to the terms of such a
program. You may request an increase in your credit
limit only by a method acceptable to the Credit Union.
The Credit Union may increase or decrease your
credit limit, refuse to make an advance and/or
terminate your account at any time for any reason not
prohibited by law. If you are permitted to obtain cash
advances on your account, 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 balance. 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

Visa Platinum Card 
     Visa Platinum Secured Card 
     Visa Signature Rewards Card 

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 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 (6) 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 or draft 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 
or draft 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.  

2. USING YOUR CARD - You understand that the
use of your credit card or credit card account will
constitute acknowledgement of receipt and
agreement to the terms of the Credit Card Agreement
and Credit Card Account Opening Disclosure
(Disclosure). You may use your card to make
purchases from merchants and others who accept
your card. The credit union is not responsible for the
refusal of any merchant or financial institution to
honor your card. If you wish to pay for goods or
services over the Internet, you may be required to
provide card number security information before you
will be permitted to complete the transaction. In
addition, you may obtain cash advances from the

Credit Union, from other financial institutions that 
accept your card, and from some automated teller 
machines (ATMs). (Not all ATMs accept your card.) If 
the credit union authorizes ATM transactions with 
your card, it will issue you a personal identification 
number (PIN). To obtain cash advances from an 
ATM, you must use the PIN issued to you for use with 
your card. You agree that you will not use your card 
for any transaction 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. If you are permitted to obtain cash 
advances on your account, you may also use your 
card to purchase instruments and engage in 
transactions that we consider the equivalent of cash. 
Such transactions will be posted to your account as 
cash advances and include, but are not limited to, 
wire transfers, money orders, bets, lottery tickets, and 
casino gaming chips, as applicable. This paragraph 
shall not be interpreted as permitting or authorizing 
any transaction that is illegal. 

3. PROMISE TO PAY - You promise to pay all 
charges (purchases, cash advances, balance 
transfers, use of convenience checks or any other 
charge) made to your account by you or anyone you 
authorize to use your account. You also promise to 
pay all finance charges and other charges added to 
your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If 
this is a joint account, the paragraph on JOINT 
ACCOUNTS also applies to your account. 

4. PERIODIC RATES - The periodic rates applicable 
to purchases, cash advances, and balance transfers 
are disclosed on the Disclosure that accompanies this 
Agreement. Any penalty rate that may be imposed for 
failing to make a payment by the payment due date is 
also disclosed on the Disclosure. Any rate change will 
be made pursuant to applicable law. If the rate for 
your account is variable, as indicated on the 
accompanying Disclosure, the rate charged on 
purchases, cash advances, balance transfers and any 
penalty rate will vary periodically as disclosed in the 
Disclosure accompanying this Agreement. The initial 
rate on your account for certain types of transactions 
may be an introductory discounted rate (Introductory 
Rate) that is lower than the rate that would ordinarily 
apply for that type of transaction. If an Introductory 
Rate applies to your account, the rates and the period 
of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory 
Rate period expires, the periodic rate will 
automatically increase to the rates that would 
ordinarily apply for that type of transaction based on 
the terms of this Agreement.  

Variable rates may change when the Prime Rate 
changes. We calculate variable rates by adding a 
percentage to the Prime Rate published in The Wall 
Street Journal on the 25th day of each month. If the 
Journal is not published on that day, then see the 
immediately preceding edition. If Prime changes, your 
new rate will take effect on your next billing period. If 
the APR associated with an offer is variable, the APR 
will equal: Non-introductory Purchase APR - Prime 
plus a margin between 4.74% and 14.74%.  

5. FINANCE CHARGES - New purchases posted to 
your account during a billing cycle will not incur a 
finance charge for that billing cycle. Finance charge 
begins to accrue on those purchases from the first 
day of the next billing cycle, unless 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. A finance charge begins to accrue on cash 
advances from the date you get the cash advance or 
from the first day of the billing cycle in which the cash 
advance is posted to your account, whichever is later 
(transaction date). 

The finance charge is calculated separately for 
purchases and cash advances. For purchases, the 
finance charge is computed by applying the periodic 
rate to the average daily balance of purchases. To 
calculate the average daily balance of purchases, we 
take the beginning outstanding balance of purchases 
each day and subtract any payments and/or credits 
that we apply to the purchase balance. (We do not 
add in any purchases posted during the billing cycle.) 
This gives us the daily balance of purchases. We then 
add all of the daily balances of purchases for the 
billing cycle together and divide the total by the 
number of days in the billing cycle. This gives us the 
average daily balance of purchases. 

For cash advances, the finance charge is computed 
by applying the periodic rate to the average daily 
balance of cash advances. To calculate the average 
daily balance of cash advances, we take the 
beginning outstanding balance of cash advances 
each day, add in any new cash advances, and 
subtract any payments and/or credits that we apply to 
the cash advance balance. This gives us the daily 
balance of cash advances. We then add all of the 
daily balances of cash advances for the billing cycle 
together and divide the total by the number of days in 
the billing cycle. This gives us the average daily 
balance of cash advances. Balance transfers are 
calculated in the same manner as cash advances. 

6. 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), calculated in U.S. dollars, will be imposed on 
all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign 
transaction is any transaction that you complete or a 
merchant completes on your card outside of the 
United States, with the exception of U.S. military 
bases, U.S. territories, U.S. embassies or U.S. 
consulates. The Foreign transaction Fee is set forth 
on the Disclosure accompanying this Agreement. 

7. FEES - In addition to the periodic rate, the following 
additional fees may be imposed on your account. If 
applicable to your account, the fee amounts and 
explanations are disclosed on the Disclosure 
accompanying this Agreement. Your account may 
also be subject to additional fees as set forth on the 
Disclosure accompanying this Agreement 

a. Cards and Plastics Fee. If your account is subject 
to a card order fee or card replacement fee, a fee may 
be charged to your account for a rush replacement 
card order and/or a customized Design Your Own 
Card (DYOC) order or replacement. 

b. Foreign Transaction Fee (Finance Charge). If 
your account is subject to a Foreign Transaction Fee 
(finance charge), a fee may be charged to your 
account for transactions made outside of the United 
States or in a foreign currency. d. Late Payment Fee. 
A late fee will be charged to your account if you make 
your payment later than the fifth day after the 
payment's due date. 

c. Cash Advance Fee (Finance Charge). If your 
account is subject to a Cash Advance Fee (finance 
charge), the fee will be charged to your account when 
you obtain a cash advance from an ATM, the Credit 
Union or other financial institution. 

d. Late Payment Fee. A late fee will be charged to 
your account if you make your payment later than the 
fifth day after the payment's due date. 

e. Returned Payment Fee. If your account is subject 
to a Returned Payment Fee, the fee will be charged to 
your account when a payment is returned for any 
reason. 

8. PAYMENTS - Each month you must pay at least 
the minimum payment shown on your statement by 
the date specified on the statement. You may pay 
more frequently, pay more than the minimum 
payment 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 each month 
your account has a balance (other than a credit 
balance). The minimum payment is 2.00% of your 
total new balance, or $25.00, whichever is greater, 
plus the amount of any prior minimum payments that 
you have not made, all outstanding unpaid fees and 
charges, and any amount you are over your credit 
limit by the date specified on the statement. The 
Credit Union also has the right to demand immediate 
payment of any amount by which you are over your 
credit limit. 

9. PAYMENT ALLOCATION - Subject to applicable 
law, your payments may be applied to what you owe 
the Credit Union in any manner the Credit Union 
chooses. However, in every case, in the event you 
make a payment in excess of the required minimum 
periodic payment, the Credit Union will allocate the 
excess amount first to the balance with the highest 
annual percentage rate and any remaining portion to 
the other balances in descending order based on 
applicable annual percentage rate. 

10. 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.  

Your Account is secured by all other shares you 
have in any individual or joint account with the 
Credit Union, except for shares in an Individual 
Retirement Account or in any other account that 
would lose special tax treatment under state or 
federal law if given as security. These other 
shares may be withdrawn unless you are in 
default under this agreement. You authorize the 
Credit Union to apply the balance in your 
individual or joint share accounts to pay any 
amounts due on your Account if you should 
default. 

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. 

11. DEFAULT - Upon default, the entire outstanding 
balance due under this Agreement shall, unless 
excused by our Board of Directors, become 
immediately due and payable, subject only to any 
right to cure default which you may have under 
Section 425.105 of the Wisconsin Statutes. A default 
shall be deemed to have occurred if (a) you fail to 
make payments when due on two occasions within 
any 12-month period, or (b) you fail to observe any 
other covenant of this Agreement, you or your spouse 
die, change marital status, change marital domicile or 
become insolvent or subject of a bankruptcy or other 
insolvency proceeding, if such failure, act or 
occurrence materially impairs your ability to pay the 
amount due under this Agreement or breach of which 
materially impairs the condition, value or protection of 
the merchant's rights in any collateral securing the 
transaction. In addition, notwithstanding Sections 
425.103 and 425.105 of the Wisconsin Statutes, in 
the event we receive a notice of termination of this 
Agreement from the spouse of a borrower pursuant to 
Section 766.565(5), Wisconsin Statutes, we may 
declare the entire outstanding balance of the 
Agreement immediately due and payable. If 
immediate payment is demanded, you agree to 
continue paying finance charges at the periodic rate 
charged before the default, until what you owe has 
been paid, and any shares that were given as security 
for your account may be applied towards what you 
owe. 

12. LIABILITY FOR UNAUTHORIZED USE-
LOST/STOLEN CARD NOTIFICATION – Notify us at 
once at 888-432-8496 during normal business hours 
or at (800) 449-7728 after hours or on weekends and 
holidays, or write to us at PO Box 14047, Madison, WI 
53708-0047 if you believe Your Card or PIN have 
been lost or stolen, or if you believe that an electronic 
fund transfer has been made without Your 
permission. Telephoning is the best way of keeping 
Your possible losses down. If you notify us within two 
business days after you learn of the loss or theft of 
Your Card or PIN, You can lose no more than $50 if 
someone uses Your Card or PIN without your 
permission. If You fail to notify us within two business 
days after the loss or theft of Your Card or PIN and 
We can prove that We could have stopped someone 
from using Your Card or PIN without your permission 
if You had told Us, then You could lose as much as 
$500. Additionally, if Your periodic statement shows 
transactions that You did not make, including those 
made by Card, PIN or other means, You will tell at 
Once. If You fail to notify Us within 60 days after We 

mail you the first periodic statement on which the 
transfer appears, You could lose up to the entire 
credit line, if we can prove that We could have 
stopped someone from taking Your money if You had 
given Us notice in time. If a valid reason (such as a 
long trip or hospital stay) keeps You from giving Us 
notice, We will extend the time periods.  

13. 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.  

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.  

14. CHANGING OR TERMINATING 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 
letter 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. 

15. CREDIT REVIEW AND RELEASE OF 
INFORMATION - You authorize the Credit Union to 
investigate your credit standing when opening or 
reviewing your account. You authorize the Credit 
Union to disclose information regarding your account 
to credit bureaus and creditors who inquire about your 
credit standing. If your account is eligible for 
emergency cash and/or emergency card replacement 
services, and you request such services, you agree 

that we may provide personal information about you 
and your account that is necessary to provide you 
with the requested service(s). 

16. RETURNS AND ADJUSTMENTS - Merchants 
and others who honor your card may give credit for 
returns or adjustments, and they will do so by sending 
the Credit Union a credit slip which will be posted to 
your account. If your credits and payments exceed 
what you owe the Credit Union, the amount will be 
applied against future purchases and cash advances. 
If the credit balance amount is $1.00 or more, it will be 
refunded upon your written request or automatically 
after six (6) months. 

17. ADDITIONAL BENEFITS/CARD 
ENHANCEMENTS - The Credit Union may from time 
to time offer additional services to your account, such 
as travel accident insurance, at no additional cost to 
you. You understand that the Credit Union is not 
obligated to offer such services and may withdraw or 
change them at any time. 

18. MERCHANT DISPUTES - The Credit Union is not 
responsible for the refusal of any merchant or 
financial institution to honor your card. Please refer to 
Your Rights if You Area Dissatisfied With Your Credit 
Card Purchase of this agreement for more information 
on merchant disputes. 

19. 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 purchases or cash advances 
individually. Any one of you may terminate the 
account and the termination will be effective as to all 
of you. 

20. 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. 

21. NO WAVIER - The Credit Union can delay 
enforcing any of its rights any number of times without 
losing them. 

22. STATEMENTS AND NOTICES - Statements and 
notices will be mailed to you at the appropriate 
address you have given the Credit Union. If you both 
reside at the same address, one copy of any notice 
required by the Wisconsin Consumer Act will be sent 
to both of you at that address; otherwise, separate 
notices will be sent to separate addresses. 

23. SEVERABILITY AND FINAL EXPRESSION - 
This Agreement and the Disclosure are the final 
expression of the terms and conditions of your 
account. This written Agreement and Disclosure may 
not be contradicted by evidence of any alleged oral 
agreement. Should any part of this Agreement or the 
Disclosure be found to be invalid or unenforceable, all 
other parts of this Agreement and Disclosure shall 
remain in effect and fully enforceable to the fullest 
extent possible under this Agreement. 

24. COPY RECEIVED - You acknowledge that you 
have received a copy of this Agreement and 
Disclosure. 

25 INTERNET GAMBLING TRANSACTIONS 
PROHIBITED - You may not use your card to initiate 
any type of electronic gambling transaction through 
the Internet. 

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:  

Heritage Credit Union  
1212 Huxley St  
Madison, WI 53704 
OR 
PO Box 14047 
Madison, WI 53708-0047 

You may also contact us on the Web:  
https://www.heritagecu.org/contact-us/  

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 the 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.  

Your Billing Rights: Print this 
Document for Future Use 

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.  

 
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:  

Heritage Credit Union 
1212 Huxley St  
Madison, WI 53704 
OR 
PO Box 14047 
Madison, WI 53708-0047 
https://www.heritagecu.org/contact-us/   

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.  

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.