South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES   October 2 , 2017   
  
 
VARIABLE RATE CREDIT CARD  
AGREEMENT AND DISCLOSURES 
 
 
CONTENTS:  
 
Agreement Information  
Terms  ................................ ................................ ............................  p.1 
Pledge of Shares and Security Interest  ................................ ..........  p.1 
Security Agreement  ................................ ................................ .......  p.1 
 
Use of the Account  
1. Using Your Account  ................................ ................................  p.1 
2. ATM Access  ................................ ................................ ............  p.1 
3. Maximum Credit Limit  ................................ ............................  p.1 
4. Finance Charges  ................................ ................................ ..... p.2 
5. Convenience Checks  ................................ ...............................  p.2 
6. Foreign Curren cy/Cross Border Transactions  .........................  p.3 
7. Merchant Disputes  ................................ ................................ . p.3 
8. Illegal Transactions  ................................ ................................ . p.3 
9. Your Liability  ................................ ................................ ...........  p.3 
 
Billing Information  
10. Monthly Statement  ................................ ................................  p.3 
11. Minimum Payment Due  ................................ ..........................  p.4 
12. Fees  ................................ ................................ ........................  p.4 
13. Promotional Rate Finance Charges  ................................ .........  p.4 
14. Returns, Adjustments, Credit Balances  ................................ ... p.4 
 
Payment Information  
15. Payments  ................................ ................................ ................  p.4 
16. Automatic Payment Option  ................................ ....................  p.5 
17. Skip Payment Option  ................................ ..............................  p.5 
 
Default and Collections  
18. Default  ................................ ................................ ...................  p.5 
19. Collection Costs  ................................ ................................ ...... p.5 
 
Other Provisions  
20. Change of Name, Address, or Employment  ............................  p.5 
21. Updating and Disclosing Financial Information  ......................  p.5 
22. Correcting a Credit Report  ................................ ......................  p.5 
23. Closing Your Account  ................................ ..............................  p.5 
24. Changing this Agreement  ................................ .......................  p.6 
25. Delay in Enforcement/Waivers  ................................ ...............  p.6 
26. Additional Benefits/Card Enhancements  ................................  p.6 
27. UChoose Re wards � ................................ ................................ . p.6 
28. Overdraft Pr otection  ................................ .............................  p.6 
29. Additional Terms of Agreement  ................................ .............  p.6 
 
Your Billing Rights  ................................ ................................ ...........  p.7 
 
 South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  1 October 2 , 2017  
 THIS IS YOUR AGREEMENT AND DISCLOSURE STATEMENT WITH SOUTH CAROLINA FEDERAL CREDIT UNI ON.   PLEASE READ IT 
CAREFULLY AND KEEP IT FOR YOUR RECORDS.   IT SUPERSEDES ALL PRIOR AGREEMENTS AND DISCLOSURE STATEMENTS 
RELATING TO YOUR ACCOUNT.  YOU DO NOT HAVE TO SIGN THIS AGREEMENT.  YOUR AGREEMENT TO ALL OF THESE PROVISIONS, 
AS AMENDED FROM TIME TO TIME INCLUDING THE CARD ISSUED BY US, WILL BE SHOWN BY YOUR APPLICATION FOR THE CARD, 
YOUR ACCEPTANCE OF THE CARD, OR YOUR USE OF THE CARD, WHICHEVER OCCURS  FIRST. 
 
Terms.  In this Agreement, the  word "Card" means  either  one or more MasterCard� credit cards or any duplicates, renewals or 
substitutions we issue. The words, "you," "your," and "yours" mean all cardholders (borrowers and co-borrowers); anyone any 
cardholder permits to use the Card(s); as well as any authorized user for whom  an additional Card(s) is issued to the extent of their 
purchases and cash advances, as well as transactions by anyone they permit to use the Card(s). The word "cardholder" means  any 
applicant or co-applicant to whom  a Card is issued by us. The wo rds, "Credit Union," "we," "us," "our", and �South C arolina Federal� 
mean South  Carolina Federal Credit Union. The word "Convenience Checks" means  one or more checks that we may send to you to 
access your Credit Card Account.  
 
Pledge of Shares and Security Interest . BY SIGNING  AN APPLICATION, ACCEPTANCE OR AUTHORIZED USE OF ANY CREDIT CARDS, 
YOU GRANT AND PLEDGE A CONSENSUAL LIEN TO US ON ALL SHARES TO SECURE PAYMENT OF YOUR OBLIGATIONS ON THIS 
ACCOUNT.  IN ADDITION, YOU ACKNOWLEDGE OUR STATUTORY LIEN RIGHTS UND ER THE FEDERAL CREDIT UNION ACT; YOU AGREE 
THAT SUCH  A LIEN IS IMPRESSED AS OF THE DATE THAT THIS ACCOUNT  IS OPENED; AND YOU AGREE THAT WE CAN APPLY THE 
SHARES PLEDGED AT THE TIME OF ANY DEFAULT ON THIS ACCOUNT  WITHOUT FURTHER NOTICE. �Shares�, for the purpose of 
your pledge to secure your obligations to the Credit Union, mea ns all deposits in any share savings, share draft, club, certificate, 
P.O.D., revocable trust or custodial account( s), whether jointly or individually held -- regardless of contributions that  you have 
on deposit now or in the future. Your pledge does not include any I.R.A., Keogh, tax escrow, irrevocable trust or fiduciary 
account in which you do not have a vested ownership interest. 
 
Security Agreement : �Non-Purchase-Money Security Interests� Payments  on your Account are secured by any security interest in 
any property securing your other obligations to the Credit Union, whe ther existing now or in the future, except your household 
goods  and your primary residence. �Purchase-Money Security Interests� You he reby grant Credit Union security interest in all 
property purchased/a cquired by you or any authorized user pu rsuant  to the use of this Account,  including a purchase-money 
security interest in any household goods pu rchased/acquired w ith an extension of credit upon this Account.    These Purchase-
Money Security Interests shall secure faithful performance of all obligations arising under  this Agreement; and the Credit Union 
shall have all of the rights of a secured party in accordance with Article Nine of the Uniform Commercial Code and/or other 
applicable law. 
 
1. Using Your Account . You must sign the Card in order to use it. You can purchase or lease goods and services ("Purchases") 
from any merchant  who honors your Card up to your maximum credit limit by presenting your Card and signing a sales receipt 
or writing a Convenience Check for the amount  of the Purchase. You may also use the Card to obtain Cash Advances up to 
your maximum credit limit from financial institutions that accept the MasterCard  credit card, and by use of preprinted 
Convenience Checks that the Credit Un ion may issue to you. You authorize us to honor any Purchase or Cash Advance you make 
by telephone, internet or mail on this account.  You agree that a signatu re is not necessary as identification in such cases. 
You agree not to present your Card, obtain a Cash Advance or write a Convenience Check for any extension of credit in excess of 
your available Credit Limit (the difference between  your outstanding balance and your maximum credit limit) on your account.  
Certain purchases and cash advances require authorization p rior to completion of the transaction. In some cases, you may be 
asked to provide identification. If our system is not wo rking, we may not be able to autho rize a transaction, even though you 
have sufficient credit available. Also, for security reasons, we may block the use of your Card in certain count ries or geog raphic 
areas.  We will have no liability to you or othe rs if any of the se events  occur. 
 
2. ATM Access. If you have received a personal identification number (PIN), you may use your Card and  PIN to obt ain Cash Advances 
at any ATM that accepts your Card.  Your PIN is confident ial and  should not be disclosed to anyone.  You agree not to write your 
PIN on your Card, you will not keep your Card and PIN toge ther, and you will not provide your PIN to anyone who  is not an 
authorized user. Owners of ATMs that we do not own may charge fees in addition to any fees disclosed in  this Agreement or 
other Credit Ca rd Disclosures that you receive. Any fees that we charge or that others charge for this service will be added to your 
account. The party charging the fee is required to provide appropriate disclosures to you with regard to any such fees. 
 
3. Maximum Credit Limit. Your Maximum Credit Limit will appear on the folder in which you receive your Card and  on your month ly 
statement. The credit limit is based on your creditworthiness and our underwriting standa rds. At our discretion, we may change 
your credit limit at any time, and may provide separate limits for purchases and for cash advances.  We will notify you if we do, 
either by mail or through your month ly billing statement. You may request a change  to your credit limit by contacting the Credit 
Union by telephone or mail. Your continued use of the card will show your agreement to any such increase. If you object to an  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  2 October 2 , 2017  
 increase in your credit limit, you must notify the Credit Union in writing.  Upon receipt of  such notice, your credit limit will be 
reduced to its prior limit; however, you will be responsible to pay any amounts  by which you have exceeded the  reduced 
limit. You agree to pay any amounts  you owe that exceed your maximum credit balance upon demand.  You agree we are not 
obligated to extend  to you credit for any amount  that would cause your outstanding balance to exceed your Maximum Credit 
Limit, or for any amount  if your outstanding balance already exceeds  your Maximum Credit Limit. Any increase in your Maximum 
Credit Limit reque sted by you will require you to make a new  application for our approval. In assessing your credit limit under  
the provisions in this Section (either  at our d iscretion or upon request): (a) we may and you authorize us to review your credit 
history, including consumer credit reports; (b) you authorize us to have this review made by third pa rties to de termine whether 
you meet the criteria we have set for such an increase; and (c) this process shall not  be pre-screening under the Fair Credit Reporting 
Act or other applicable laws or regulations based on our existing relationship and this Agreement. 
ATM and Over-the-Counter Cash Advance Limits. Advances at autho rized ATM's are limited to a total of $500.00 during any 24-
hour period. Over-the Co unter  cash advances are limited to three per day and based on  your credit limit. 
 
4. Finance Charges. You agree to pay the FINANCE CHARGE on your account. A FINANCE CHARGE computed  on a month ly periodic 
rate ("MPR") will begin to accrue for new Purchases, if you do not  pay the New Balance in full within 25 days after the billing date of 
the statement on which the new Purchases first app ear according to the Grace Period above. A FINANCE CHARGE computed  on a 
month ly periodic rate ("MPR") will begin to accrue on the  transaction date  of Ca sh Advance(s) or Purchases (except as provided 
above), or the first day of the  billing cycle, whichever is later, and will continue to be imposed until you have pa id any outstanding 
balance in full. The Credit Union calculates the FINANCE CHARGE as follows: 
 
a. The FINANCE CHARGE will be figured by applying the month ly periodic rate to the average daily ba lance of Purchases 
and Cash Advances. Your Annual Percentage Rate (APR) is dete rmined based on your creditworthiness and will be provided to 
you separately either in writing or electronically at the time your credit card is approved. 
 
Platinum Rewards Card  Platinum Cash Rewards Card  
APR = Prime + Margin APR = Prime + Margin 
Prime Rate  + 5.00%  Prime Rate  + 7.00%  
Prime Rate  + 7.00%  Prime Rate  + 9.00%  
Prime Rate  + 9.00%  Prime Rate  + 11.00 % 
Prime Rate  + 14.65% Prime Rate  + 14.65% 
 
Rates  are variable and subject to change. Maximum APR is 18%. Your ANNUAL PERCENTAGE RATE (APR) will be calculated by 
adding an margin from above to the Prime rate as correctly published in the Wall Street Journal as of the Wedne sday 
immediately preceding the billing cycle. The Credit Union may ad just the rate once each month  effective the first day of the 
billing cycle. APR changes will reflect on the following month�s statement. 
 
b. To get the total  average daily balance on your Account, we take the beginning balance of your Account each day, add any new 
Purchases and Cash Advances, unpaid Finance Charges, current late payment fees, and other fees, and subtract any payments  
or credits. This is your daily balance. Then we add up all the  daily balances for the billing cycle and divide that total by the 
number of days in the billing cycle. This gives you the average daily balance. This determines the balance subject to the FINANCE 
CHARGE. 
 
5. Convenience Checks.  Any individual cardholder or authorized user can use your Convenience Checks to pu rchase goods  and 
services or to ob tain cash up to the amount  of your available credit limit. Credit Union will treat Convenience Checks as Cash 
Advances and will charge them aga inst your credit limit. Credit Union may decline to honor a Convenience Check if you are over 
your credit limit, you are in default, your account privileges  have been canceled, or your Card has expired.   If we decline to 
honor a Convenience Check, Credit Union may charge you a fee, which the Credit Union will add to your account  balance.  
Convenience Che cks may be used only by the person whose name is printed  on them.  You may not use Convenience Che cks 
to pay any amount you owe the Credit Union under this or any other credit agreement with the Credit Un ion. Credit Union will 
not certify any Convenience Che cks, nor will the Credit Union return paid Co nvenience Checks to you.  It is in the Credit Union's 
sole discretion to issue Convenience Checks to any member. 
Stopping payment of a Convenience Check . You may ask us to stop payment of a convenience check by calling us at (800) 845-0432. 
You may be charged a stop payment fee/a stop payment fee may be add ed to your account balance. Your stop payment request will 
be effective permanently. We will use commercially reasonable efforts to stop payment on your convenience check. Howe ver, you 
agree that convenience checks are credit transactions; and that  we will not be responsible in any way if the convenience check that 
you have requested us to stop payment on is cashed or otherwise presented for payment and, u sing commercially reasonable 
efforts, we are unable to stop payment. You agree that the UCC  does  not ap ply to a convenience check  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  3 October 2 , 2017  
  
6. Additional Charges for Transactions in a Foreign Currency and �Cross-Border� Transactions. 
Currency Conversion Fee: If you effect or autho rize a transaction with your access device in a currency other  than US Dollars, 
MasterCard  will convert the charge into a US Dollar amount.  The MasterCard  currency conversion procedure includes  use of 
either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard , as applicable. The exchange 
rate MasterCard  uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect 
on the date of the purchase or the date the  transaction was posted to your account. A Currency Conversion Fee of up to 1% will 
be applied to transactions that are converted from foreign currencies to U.S. dollars.  
Cross-Border Transaction Fee: In ad dition, MasterCard  charges us a Cross-Border Assessment up to 1% on each transaction 
on all cross border t ransactions regardless of whet her there is a currency conversion. For purposes of this Section, �cross-border 
transaction� shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the  United States, 
and (b) transactions initiated in the United States  but are ultimately settled in a country out side of the United States. The Credit 
Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these 
terms. The Cross-Border Transaction fee(s) will be  shown separately on  your periodic billing statement(s). The Currency 
Conversion Fee, if it applies to the transaction, will be included in the transaction amount  posted on your statement. 
 
7. Merchant Disputes.   The Credit Union is not responsible for the refusal of any merchant  or financial institution to honor 
your Card except as set forth in the Special Rules for Credit Card Purchases set forth at the  end of th is Agreement. 
 
8. Illegal Transactions. You warrant and agree that your Credit Card, other access  device or any related acc ount will not be used to 
make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such 
autho rized use, will constitute an event of default under this Agreement. Certain federal and/or state laws or Card Service 
Providers� Rules may limit  or prohibit certain transactions such as (but not limited to) those coded as possible gambling 
transactions. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable 
(regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but 
not limited to any transaction involving or relating to any gambling activity. Such prohibition or limitations may affect some 
otherwise proper or all owable transactions such as charges incurred at a hotel-casino. You understand and agree such 
limitations/prohibitions are not within the Credit Union�s control and that the Credit Union will not have any liability, 
responsibility or culpability whatsoever for any such use by you or any autho rized user(s); or for declining to accept, process, or 
pay any such transaction.  You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages 
or adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices. 
 
9. Your Responsibility and Liability for Unautho rized Use and Lost or Stolen Cards or Convenience Checks. If your Card or 
Convenience Checks are lost or stolen, or if you suspect someone  used or may use them  without  your permission, you must notify 
the Credit Union at once by calling  1-855-325-0904 or writing C redit Card Services-PO Box 182477-Columbus, OH 43272-4935.  If 
notice is given orally, you will promptly confirm it in writing.  The Credit Union may require you to provide us certain information 
in writing to help us investigate  any unauthorized use.  Further, you agree to cooperate and assist us or any government or law 
enforcement agent or agency in investigating, collecting or pursuing any other rights (civil and criminal) relating to any 
unautho rized use.  In this regard, you agree to file an appropriate police report when asked to do  so.  Do not use the Card or the 
Convenience Checks after you have notified the Credit Union, even if you find them or  have them returned to you. 
 
You are liable for all transactions that you authorize.   
No Liability: You will have no liability for unautho rized u se of your Card, Convenience Checks or other  Access Devices for non-
ATM transactions made over the MasterCard  Network if the following conditions are met: (1) You have not been grossly negligent; 
and (2) You have not  committed, pa rticipated  in or conspired to commit any fraudulent act or scheme involving the use of your 
MasterCard  credit card account.  
Limited Liability: For transactions on other networks or ATM transactions, you may be liable for unaut horized transactions using 
your Card, Convenience Checks or other  Access Devices that  occur before we are notified. However, your liability for unautho rized 
use on networks other  than  MasterCard  will not exceed $50.00.  In any case, you will not be liable for any unauthorized use after 
notifying us of the loss, theft or unauthorized use of your Card, Convenience Checks or other  Access Devices. 
 
10. Month ly Statement. We will send you a month ly billing statement whe never there is activity on your account. Your month ly 
statement will show information concerning your account  as required by law. Such information may include but is not limited 
to purchase and cash advance transactions, credit limit, etc.  E-Statements: You will be sent a notice via e-mail that will direct 
you to a site we maintain or cause to be maintained where you may access, review, print and otherwise copy/ download your 
periodic statements  using procedures that we  authorize.  E-mails from us will be sent to the e-mail add ress provided by any owner 
to the last known e- mail address provided.  You agree to notify us promptly of any change of your e-mail address. If you have not 
notified us  of any change of your e-mail add ress, you agree that your failure to provide us with a valid e-mail address is the lack 
of ordinary care on your part. If we become aware that you are not receiving e-mail, we may restrict your access to these services  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  4 October 2 , 2017  
 until you provide us with the correct e-mail address and you may be  converted to paper documents. 
 
11. Minimum Payment Due. You can pay off your account balance in full each month  or you can pay in month ly installments.  If you 
do not pay your balance in full, you agree to pay at least a minimum payment of  2.5%  of your New Balance (rounded to  the 
nearest whole dollar) or $10.00, whichever is greater at the end of each statement pe riod. If the New Balance shown on your 
periodic statement is $10.00 or less, you agree to pay this amount.  Unless the Credit Union takes other  action as a result of a 
default under  this Agreement, the M inimum Payment Due will also include any amount  that is past due and any amount  by 
which your new ba lance exceeds  your credit limit.  Payments and credits will be applied first to pay billed but unpaid finance 
charges; late charges, and other  fees or charges provided for herein; and next to unpaid cash advances; and then  to your unpaid 
purchase balance. The "Payment Due Date" will be shown on your periodic statement. 
Grace Period: Grace period for repayment of the  balance for purchases is approximately 25 days from the close of the  billing cycle. 
See your statement for billing cycle date. 
 
12. Fees. In addition to the periodic rate, the following additional fees may be imposed on your account. If ap plicable to your 
account,  the fee amounts  and explanations a re disclosed on the Credit Card Disclosure accompanying this Agreement. 
 
a. Expedited Payment Fee. You may be charged a fee for expedited payments  made via telephone to a Credit Union 
Representative. Fees are not assessed for payments  made by mail, electronic transfer, or te lephone authorization through  an 
automated  service. Ask us for applicable fee amount.  
b. Late Payment Fee. Credit Union will charge your account  a late payment fee  for each billing period in wh ich your minimum 
payment is not received within five (5) days of your payment due date. This fee may be  added to your account balance, or 
collected from you on de mand.  
c. Returned Payment or Insufficient Fund s Fee. Credit Union will charge your account  a fee if your p ayment by any method,  
including check, electronic transfer, home banking transaction or otherwise, is not  honored, or if we must return it to you 
because it cannot be processed for any reason.  This fee may be  added to your account balance, or collected from you on 
demand.  
d. Charge for Copies, R esearch and Card Replacement. If you ask for a copy of any do cument, such as a sales draft, Convenience 
Check, or billing statement, a charge may be imposed for the time it takes to research and locate the document. H owever, no 
charge will be imposed in connection with any actual or asserted billing error. 
 
13. Promotional Rate Finance Charges.  From time to time and in our sole discretion we may offer a special rate applicable to 
certain transactions such as particular purchases (as defined by us), balance transfers, or cash advances.  Applicable terms and 
conditions will be disclosed at the time any such promotion is offered, and  are incorporated into this Agreement by reference.   
The promotional rate will apply only to the transactions and  for the period of time set forth in any such offer from us.  Existing 
balances and new pu rchases or advances not expressly subject to any such promotion will remain governed by the terms and 
conditions of this Agreement.  In addition, the terms and conditions of this Agreement w ill govern your ob ligations regarding any 
unpaid balance or transactions that are made subject to any such promotional offer, that  are not fully paid within the time period 
set forth in such promotional offer. 
 
14. Returns, Adjustments, Credit Balances. Merchants and othe rs who honor your Card may give credit for returns or adjustments, and 
they will do so by sending the Credit Union a credit transaction, which will be po sted 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 auto matically after six months  by transferring the amount  
to your share savings account  or mailing a check (only upon request) payable to the  order of any cardholder to the statement mailing 
address. 
 
15. Payments. You will be jointly and severally liable and agree to pay the Credit Union for all charges (purchases, cash advances, 
finance charges, and other charges added to your Account  under the terms of th is or any other agreements  with us) extended to 
you or anyone else using any Card issued for your account, unless the use of such Card is by a person other  than you, who  does  
not have actual, implied or apparent aut hority for such use and from which you receive no bene fit.  Authority includes, but is 
not limited to, any aut horized u sers permitting anot her person to use any Card(s).  Further, all users are obligated to us for all 
charges they make, autho rize or permit. 
The Credit Union can accept late or partial payments  as well as payments  that are marked with "paid in full" or other restrictive 
endorsements, without  losing any of our rights under this Agreement. You must pay the Credit Union in U.S. dollars drawn on 
funds  on deposit in the United States.  If you make payment w ith other currencies or from an institution do miciled outside the 
United States, then your payment will not be credited unt il the funds  have been collected by us in U.S. dollars. 
Unless othe rwise required by specifically applicable laws, for payments  received by mail by 5:00 PM EST, your payment will be 
effective that day; and for payments made in any other manne r, including in person, your payment is effective the date received.  
To protect you and us, the Credit Union, in its sole discretion, may place a tempo rary freeze on all or part of the credit available  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  5 October 2 , 2017  
 to you for new purchases or cash a dvances under this agreement any time the Credit Union receives a large payment ($4,8 00.00  
or more) by any method .   In such cases,  the Credit Union may freeze your credit line until payment is actually collected or 
verified. 
 
16. Autom atic Payment Option.  If you requested the Automatic Payment Option in your Application, all Minimum Payments  due 
will automatically be deducted from your designated account  on your Payment Due Date.  If your designated account  does not 
contain sufficient funds, no automatic dedu ction will be made;  we w ill bill you for the Minimum Payment Due; and your account  
will be charged an insufficient funds  fee and you w ill be responsible for making the payment by some other  means. 
 
17. Skip Payment Option. At our option, we may offer you the opportunity to not make ("skip") a minimum payment during 
certain designated b illing cycles ("skip payment period").  If you do not make your minimum p ayments as provided in this 
Agreement, during such designated billing cycles, you understand that  we will continue to apply finance charges to your account.  
Beginning with the billing cycle following an allowed  skip payment period, all other provisions of th is Agreement will apply. 
 
18. Default.  You will be in default if: (a) you fail to pay the Minimum Payment Due by  the Payment Due Dat e; (b) the  Credit Union, in 
its sole discretion, feels insecure (For example:  Our good  faith belief that your ability to p ay your account is impaired; use of your 
account in any manner  or in any way that may expose the Credit Un ion to a risk of loss; etc.); (c) your ability to repay is materially 
reduced by a change in your employment, by an  increase in your obligations, by bankruptcy or insolvency proceedings involving 
you, by your death, or (for community property state residents only) by a change in marital status  or domicile; (d) you exceed your 
credit limit without our permission; (e) you have made a false or misleading statement to us in your application or othe rwise; (f) 
you are in default under any other agreement with us; (g) if you use or autho rize the use of any Ca rd(s) to make or facilitate any 
illegal transaction; or (h) you fail to perform any of your other obligations under  the terms of this Agreement as it may be 
amended from time to time.  Upon default we may close your Account  to future purchases and advances and, to the extent not 
prohibited by Governing Law, demand immediate payment of your entire Account balance, after giving you any notice and 
opportunity to cure the de fault if required by applicable law.  The Credit Union's sole obligation he reunder with regard to  
determining and  declaring an event of default is the exercise of "good  faith," based on its subjective understanding of 
applicable facts. We shall also have the right to close your account  and terminate  access privileges  where your account  is inactive 
for such periods of time as we may from time-to-time dete rmine to be appropriate for protecting both our and your interests. 
 
19. Collection Costs. You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or 
protecting the Credit Union's rights under  this Agreement, including attorneys' fees of 20% of  the unpaid balance or such 
greater sum as may be reasonable, and also those costs, expenses and atto rneys' fees incurred in any appellate, bankruptcy 
and post-judgment proceedings, except as limited or prohibited by applicable law. 
 
20. Change of Name, Address or Employment. You will notify the Credit Union immediately in writing if your na me, home address, 
email address, telephone number, or employment changes. 
 
21. Updating and Disclosing Financial Information. We may report your performance under th is Agreement to consumer reporting 
agencies and secure follow-up consumer reports on you for any legitimate business reason, including if you fail to make your 
minimum payments on time.  We can reinvestigate and reevaluate any information you provide on your MasterCard  Application 
at any time, and in the course of doing so, we may ask you to provide additional information, request credit bureau reports and/or 
othe rwise verify your current credit stand ing. 
Access to Account  Information: You agree that all borrowe rs and authorized users will have access to information regarding 
transactions on your a ccount, including but not limited to pu rchases and cash advances, account balances, account  history, 
payments  and other information relating to or arising with regard to this account  or any transaction. 
 
22. Correcting the Credit Union's Credit Report. If you think the Credit Union reported erroneous  information abo ut you to a 
consumer reporting agency, call the Credit Union at the telephone number listed on your month ly billing statement.  Credit 
Union will promptly investigate the matter, conta ct each consumer reporting agen cy who se records may reflect an error and 
require them  to correct your report if its investigation decides that  you were correct.  If Credit Union disagrees with you after the 
investigation, Credit Union will advise you, in writing or by phone, and instruct you how to submit to those agencies a statement 
of your position that will become a part of your consumer record with them.   The instructions will include the name, address, 
and pho ne number of ea ch such agency, along with other pertinent information. 
 
23. Closing Your Account .  Any individual cardholder without  the consent of other  cardholders may close your Account  at any time 
by notifying us in writing as indicated  in this Agreement.  Credit Union may close your a ccount  or suspend your Card privileges 
or Convenience Checks at any time without prior notice.   Credit Un ion may also reissue a different Card or different checks 
at any time.  You must return the Card or the Co nvenience Checks to the Credit Union upon request.   You agree that the 
Card and all Convenience Che cks remain the property of Credit Union.  Each Card we issue will have an expiration date.  Upon  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  6 October 2 , 2017  
 expiration of your Card your account  will automatically terminate;  or the Credit Union, in its sole discretion, may extend your 
Agreement and issue a new card with a new expiration date.  If your account  is closed, expires or your credit privileges are 
terminated or suspended, you will remain responsible for paying all amounts  you owe us according to the terms of this 
Agreement. Without  limiting the foregoing, the Credit Un ion has the right to terminate your line of credit and to demand the  
return of all cards, access checks and other  access devices if the Credit Union, in its sole discretion, feels that it is insecure for 
any reason what soever; including but not limited to mismanage ment of your account,  failing to safegua rd any access device, 
creation of any credit balances by you that may increase the risk of loss or exposure of the Credit Un ion or failing to cooperate 
with the Credit Union or othe rs with regard to any claim of unautho rized u se or any other defense to payment under  applicable 
law. 
 
 
 
24. Changing This Agreement.   The Credit Union may change the terms of this Agreement, including the Annual Percentage 
Rate, at any time.  Except where limited by applicable law, the new terms, including, but not  limited to, increasing the finance 
charge or the way the Credit Union calculates finance charges, late charges, and the minimum payment due, will apply both to 
new purchases and cash advances and to the existing outstanding balance of your account as of the day of the change.  We 
reserve the right to refuse to honor  any request for credit, to reduce your credit limit or terminate  your account  at any time using 
our sole discretion, based on changes in the economy, the Credit Union's financial condition, your creditworthiness or for any 
other reason not prohibited by law. In accordance with applicable law, the Credit Union will notify you of any increased charge or 
change  by writing to you at the most recent address shown for you on the Credit Un ion's records. 
 
25. Delay in Enforcement/Waivers. The Credit Union may delay or waive enforcement of any of the provisions of  this Agreement, 
including any agreement to make timely payments, without losing its right to enforce the same provision later or any other  
provisions of  this Agreement.  You waive the right to receive notice of any wa iver or delay or presentment, d emand,  protest or 
dishonor.  You also waive any applicable statute  of limitations to the  full extent  permitted  by law and any right you may otherwise 
have to require the Credit Union to proceed against any person before suing you to collect. 
 
26. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your Account, such 
as travel accident insurance, purchase rewa rds or rebates at no additional cost to you. You understand that the Credit Union is 
not obligated to continue or to offer such services and may withdraw or  change  them at any time. If these bene fits are withdrawn  
prior to any accrued use by you, the  Credit Union will have no o bligation to p rovide the be nefit or enhancement, or any other 
compensation or consideration. 
 
27. UChoose Rewards�.  For Mastercard Platinum Rewards Cards , UChoose Rewards points may be earned simply by 
enrolling in UChoose Rewards and  using your South Carolina Federal MasterCard � credit card. Log on to UChoose Rewards at 
www.UC hooseRewards.com to enroll and learn more about  earning points, balance information, and to discover all the options 
for redemption to include merchandise, travel, gift cards and more.  For Mastercard Platinum  Cash Rewards Cards , UChoose cash 
rewards  will automatically be earned on all net purchases, and cash rewards can be redeemed  at www.UChooseRewards.com.  
UChoose Rewards points or cash rewards will not be earned on cash advances or balance transfers.  
 
28. Overdraft Protection. You can choose to link y our Credit Card to your Checking account for overdraft protection. To do this, you 
must notify us to select this option and inform us of the order in which you want your credit card to act as an overdraft sou rce. 
Overdraft advances will be treated as a cas h advance as outlined in the Finance Charges section with interest accruing from the date 
of the overdraft advance and will not earn UChoose Rewards points. If you have multiple account owners or authorized signers on 
your checking account, you will be res ponsible for all advances, including interest and charges from your credit card to cover 
overdrafts regardless of who initiates the transaction that causes the overdraft. Overdraft advances will transfer funds to y our 
checking account in the amount needed to cover the transaction if your credit card is in good standing and the credit available is 
sufficient. Overdraft advances may occur that cause you to exceed your credit limit. If this occurs, you agree to pay the ove r limit 
amount along with any applicab le payment amount.  
 
29. Additional Terms of Agreeme nt. To the extent not prohibited by applicable law, the terms, interpretation and en forcement of any 
claim or dispute arising un der th is Agreement, as well as all parties� rights  and duties, will be governed by South Carolina law 
regardless where you may reside or use your account.   Further, this Agreement is the contract which governs all transactions 
on your Account even though sales, cash advances, credit or other slips may contain different te rms.  You may not transfer or 
assign your account  or Card to any other person. The Credit Union may assign or transfer this Account, your Account ba lance, or 
this Agreement to  another person, who will have all of our rights  hereunder.  This Agreement is binding on your heirs and 
legal representatives. If there are joint borrowers, a guarantor or authorized users for this credit plan, each of you will have the  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  7 October 2 , 2017  
 right to use the Account  to obtain loans pursuant to  the terms hereof.  Any one applicant, gu arantor, or autho rized users 
elections, transactions and directions to the Credit Union shall be binding upon all obligors. Each of you will be liable for all 
obligations owing on the Account  whe ther bo rrowed by you or othe rwise and  whether within or beyond the credit limit.  Further, 
each of you are responsible for all amounts  borrowed by any authorized user(s).  Authorized users and other users may also be  
required to repay the amount  owed  for charges they make; howe ver, you remain, at all times, primarily responsible for all 
amounts  owed.  All Cards, billing statements  and notices will be mailed or delivered to the add ress given on the application for 
either applicant unless you direct otherwise in writing.  If any law or judicial ruling makes any part, provision, sentence or 
section of this Agreement unenforceable, the remai nder will continue in full force and effect.  You agree that your account 
will also be subject to all rules and regulations of  MasterCard , as applicable, which are incorporated he rein by reference. If there 
is any conflict between this Agreement and the rules and regulations of MasterCard, the rules and regulations of MasterCard , 
will control, as applicable. 
 
 
 
 
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 e rror on your statement, write to us  at: 
 
 
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 e rror on your bill, 
describe what you believe is wrong and why you believe it is a mistake. 
 
You must conta ct us: 
 
� Within 60 d ays 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 poten tial errors in writing. You may call us, but if you do we are not required to investigate any pot ential 
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 d ays of receiving your letter, we must tell you that we received your letter. We will also tell you if we ha ve already 
corrected the error. 
 
2.   Within 90 d ays 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 be en an e rror: 
 
� We cannot  try to collect the amount  in que stion, 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 a mount.  
� While you do not have to pay the amount  in que stion, you are responsible for the remainder  of your balance. 
� 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 e xplanation 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 Card Services � Dispute Center  
P.O. Box 182477  
Columbus, OH 43272 -4935  
 
Or fax your dispute information to 678 -375-6096  
  South Carolina Federal Credit Union  
VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES  8 October 2 , 2017  
 name of anyone to whom we reported you as delinquent, and we must let those organizations know when  the matter  has be en 
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  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 the se are necessary if your purchase was ba sed 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. 
 
All requests to use this right must be submitted  in writing to: Card Services-Dispute Cente r, P.O. Box 182477, Columbus, OH 43272-
4935. While we investigate, the same rules apply to the disputed amount  as discussed above. After we  finish our investigation, we 
will tell you our de cision. At that point, if we think you owe an a mount  and you do not pay, we may report you as delinquent. 
      To Report a Lost or Stolen Card or Other Access Device   after hours, call:   1-855-325-0904  571-293-3899 (International)    To Close the Account:  (SEND WRITTEN NOTICE)   South Carolina Federal Credit Union  P.O. Box 190012  North Charleston, SC 29412 -9012  843-797-8300  1-800-845-0432