the  provisions  of 

the  Agreement  and  your 

appeals, and any post-judgment collection services, if applicable.
26.  TERMINATION:  We  may  terminate  or  suspend  your  credit 
privileges  under  this  Agreement,  at  any  time,  in  our  sole  discretion 
without  demand  or  notice.  If  we  are  required  by  law  to  give  you  a 
reason  for  adverse  action  for  credit  denied,  we  will  do  so.  You  must 
notify  us  in  writing  if  you  decide  to  terminate  the  Agreement.  If  you 
terminate  this  Agreement  or  if  we  terminate  or  suspend  your  credit 
privileges, 
liability 
hereunder shall otherwise remain in full force and effect until all cards 
or  credit  instruments  or  devices  issued  to  you  have  been  canceled 
and/or returned to us and you have paid us all sums due us.
27.  NON-REISSUANCE:  For  security  purposes,  Star  One  Credit  Union 
VISA Credit Cards are reissued every two years. If at the time of reissue 
your VISA Credit Card Account has been inactive for at least 12 months, 
we reserve the right to not reissue you a new Card and may close your 
VISA account.
28. TRANSFER OF ACCOUNT: You cannot transfer your account to any 
other person.
29.  ACCELERATION:  If  you  are  in  default  as  provided  above,  or  if  we 
in  good  faith  reasonably  believe  that  the  prospect  of  payment  or 
performance is impaired, amounts you owe us shall, at our option and 
without notice, become immediately due and payable.
30. DELAY IN ENFORCEMENT: We can delay enforcing any right under 
this Agreement without losing that right or any other right.
31.  AMENDMENT:  We  reserve  the  right  to  amend  the  terms  of  this 
Agreement at anytime as permitted by and subject to any limitations and 
notice requirements of applicable law.
32. SEVERABILITY: If any provision of this Agreement is held invalid all 
provisions that are severable from the invalid provision remain in effect.
33.  OWNERSHIP  OF  CARDS:  Any  Card  or  other  credit  instrument  or 
device which we supply to you is our property and must be returned to 
us, or any person whom we authorize to act as our agent, or any person 
who is authorized to honor the Card. The Card may be repossessed at 
any time at our sole discretion without any demand or notice.
34. PIN SECURITY: You agree not to disclose or otherwise make your 
Card  or  Personal  Identification  Number  (“PIN”)  available  to  anyone 
without  prior  written  consent.  You  agree  not  to  disclose  or  otherwise 
make  available  your  PIN  to  anyone  not  authorized  to  sign  on  your 
account. For security reasons, please do not write your PIN on your Card 
or keep it in the same location as your Card.
35.  CURRENCY 
FEE: 
Purchases and cash advances made in foreign currencies will be billed 
in U.S. dollars. The conversion rate in U.S. dollars will be either at the 
government  mandated  rate  or  a  wholesale  currency  market  rate 
determined by VISA® for the processing cycle in which the transaction 
is processed.
The currency conversion rate used by VISA® on the processing date may 
differ  from  the  rate  that  would  have  been  used  on  the  purchase  date 
or cardholder statement posting date. The Credit Union has no control 
over the conversion rate. In addition to the conversion rate selected by 
VISA®, a separate VISA International Service Assessment Fee up to 1% 
is charged to the Credit Union and will also appear as a separate line item 
on your statement.
36.  CREDIT  REPORTS:  You  authorize  us  to  make  or  have  made  any 
credit, employment and /or investigative inquiry we deem appropriate for 
the extension of credit or collection of amounts owing on the account. 
We  can  furnish  information  concerning  your  account  to  consumer 
reporting agencies and others who appear to have a business need for 
that information.
37.  ADDRESS:  You  agree  to  advise  us  promptly  if  you  change  your 
mailing  address.  We  can  accept  address  corrections  received  from 
the U.S. Postal Service for any authorized user. All written notices and 
statements from us to you will be sent to your address as it appears on 
our records.

CONVERSION/FOREIGN 

TRANSACTION 

Written notices and inquiries from you to us must be sent to: 

Star One Credit Union 
P.O. Box 3643 
Sunnyvale, California 94088-3643
38.  GOVERNING  LAW:  This  Agreement  will  not  take  effect  until  it  is 
approved by the Credit Union in the State of California. All payments shall 
be made to the Credit Union at the Credit Union’s offices. This Agreement 
shall be governed by the laws of the State of California.
39. PHONE CALLS: In the regular course of our business, we may monitor 
and record phone conversations made or received by our employees. You 
agree that we will have such right with respect to all phone conversations 
between you and our employees, whether initiated by you or any of our 
employees.

YOUR CREDIT CARD 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 Credit Union address 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	3	business	days	before	an	automated	payment	is	scheduled,	

if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but 
if you do, we are not required to investigate any potential errors and you 
may have to pay the amount in question.
What Will Happen After We Receive Your Letter. When we receive your 
letter, we must do two things:
  1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we 
received your letter. We will also tell you if we have already corrected 
the error.

  2.  Within 90 days of receiving your letter, we must either correct the 

error or explain to you why we believe 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 at the above address. 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.

STAR ONE CREDIT UNION

Sunnyvale
1080 Enterprise Way, Suite 150
Sunnyvale, CA 94089
Enterprise Way & 11th Ave.

Cupertino
10991 North DeAnza Blvd.
Cupertino, CA 95014
DeAnza Blvd. & Homestead Road

San Jose
1090 Blossom Hill Road
San Jose, CA 95123
Blossom Hill Road & Almaden Expwy

San Jose
3136 Stevens Creek Blvd.
San Jose, CA95117
Stevens Creek Blvd. & S. Winchester Blvd.

Palo Alto
3903 El Camino Real
Palo Alto, CA 94306
El Camino Real & Ventura Ave.

Administration Building
1306 Bordeaux Dr
Sunnyvale, CA 94089

Mailing Address
Star One Credit Union
P.O. Box 3643
Sunnyvale, CA 94088-3643

Phone Numbers
866-543-5202
408-543-5202

WEB ADDRESS
www.starone.org

VISA Credit Card
Agreement
and
Disclosure
Statement for:
Platinum, Gold
and Classic

STR-1030 (8/12)

8/2012

	
	
	
	
	
	
	
	
	
	
	
VISA CREDIT CARD AGREEMENT

1.  DEFINITION  OF  PARTIES:  This  VISA  Credit  Card  Agreement 
(“Agreement”) covers your VISA Credit Card (“Card”) issued through Star 
One Credit Union. In this Agreement the words “you,” “your,” and “yours” 
include any joint obligator, guarantor, authorized user, or the person whose 
name  is  embossed  on  the  Card.  The  words  “we,”  “us,”  and  “our”  mean 
Star One Credit Union.
2. AGREEMENT ACCEPTANCE: If you sign an application for any account 
under  this  Agreement  or  sign  or  use  any  Card(s)  issued  or  Personal 
Identification  Number  (PIN);  or  allow  others  to  use  the  account,  Card(s) 
or PIN, you and they will have accepted this Agreement just as if you and 
they signed it, and you and they, jointly and severally, will be bound by the 
following terms and conditions.
3.  SIGN  YOUR  CARD:  Immediately  sign  the  signature  panel  on  the  back 
of your Card upon receipt. The Card must be signed in order to be valid.
4. VISA CREDIT LINE: We have established and advised you of the “Credit 
Line,”  which  is  the  limit  on  the  total  balance  that  may  be  outstanding  in 
your account at any one time. Your VISA Credit Line is to be considered 
a  signature  loan.  The  maximum  signature  limit  cannot  be  exceeded. 
Therefore, other outstanding signature loans  must be taken  into account 
when  your  VISA  Credit  Line  is  established.  You  agree  not  to  attempt  to 
obtain  more  credit  than  the  amount  of  your  Credit  Line.  However,  if  you 
temporarily exceed your VISA Credit Line, you agree to repay the excess 
immediately, even if we have not yet billed you. Obtaining such credit does 
not increase your VISA Credit Line; however, we can increase your VISA 
Credit Line at our sole discretion.
5. USING YOUR CARD: You may use your account for purchases of services 
and  merchandise  from  participating  merchants  that  honor  your  Card. 
You may also use your Card to obtain a cash advance from participating 
financial  institutions.  Neither  we  nor  any  merchants  authorized  to  honor 
the Card will be responsible for the failure or refusal of anyone to honor the 
Card or any other credit instruments or devices we supply to you.
6. ILLEGAL OR UNLAWFUL TRANSACTIONS: You agree that you will not 
use the Card for any illegal or unlawful transaction, and we may decline to 
authorize any transaction that we believe poses an undue risk of illegality 
or  unlawfulness.  You  agree  that  Star  One  Credit  Union  will  not  have  any 
liability, responsibility, or culpability whatsoever for any such use by you or 
any authorized user(s). You further agree to indemnify and hold Star One 
Credit Union harmless from any suits, liability, damages, or adverse action 
of any kind that results directly or indirectly from such illegal use.
7.  ATM  ACCESS  FOR  CASH  ADVANCES/ATM  CASH  ADVANCE  LIMITS: 
Your Card and Personal Identification Number (PIN) can be used to obtain 
cash advances from your VISA Credit Card account at Star One Credit Union 
ATMs and at other ATMs in the VISA ATM network and other such machines 
or facilities that we may designate. There are no fees for requesting cash 
advances on Star One Credit Union owned ATMs. There may  be  fees for 
cash advances at ATMs owned by other institutions. You may obtain cash 
advances against your account up to a maximum aggregate total of $500 
per day provided sufficient funds are available.
8.  CHECKING  ACCOUNT  OVERDRAFT  COVERAGE:  Your  VISA  Credit 
Card may also provide Overdraft Coverage on your Star One Credit Union 
checking  account.  If  you  authorize  us  to  link  your  Credit  Card  account 
to your checking account for overdraft coverage and the balance in your 
checking account is not sufficient to pay the transaction amount, we may 
treat the transaction as a request to access your VISA Credit Line. The funds 
may be transferred from your VISA Credit Line into your checking account 
in  $100  increments.  These  transfers  will  be  treated  as  cash  advances.  If 
sufficient credit is not available on your VISA Credit Card account to cover 
the amount of the check or other item, we will be unable to initiate a cash 
advance  loan  advance  under  this  Agreement  for  purposes  of  checking 
account overdraft coverage.
Limit:  Your  Checking  Account  Overdraft  Coverage  limit  will  be  part  of, 
and not in addition to, your total approved Credit Line under this Agreement.

Liability  For  Overdrafts  Caused  by  Any  Checking  Account  Signer:  You 
understand that if advances are made against your VISA account to cover 
overdrafts  to  your  checking  account  created  by  other  persons  with  the 
right  to  access  said  checking  account,  you  will  be  fully  liable  for  such 
advances nonetheless.
9. VISA CONVENIENCE CHECK: If we approve, you may obtain advances 
under your Account by writing preprinted VISA convenience loan checks 
that  we  supply  to  you.  Your  use  of  loan  checks  will  be  shown  as  cash 
advances on your monthly statement. We may not honor your loan check 
if:  your  check  is  post-dated;  payment  of  the  check  would  exceed  your 
Credit Limit; a check is signed by person without authorized access; the 
amount  of  the  check  is  less  than  the  minimum  required  amount;  your 
Account  has  been  terminated  or  suspended,  or  any  drafts  have  been 
reported  lost  or  stolen.  You  may  stop  payment  on  a  loan  check  if  you 
provide  us  with  the  exact  information  describing  the  check.  If  you  give 
us  incorrect  information,  we  will  not  be  responsible  for  failing  to  stop 
payment. You understand there may be a charge for each stop payment 
order  requested.  Our  liability  for  a  wrongful  dishonor  is  limited  to  your 
actual charges, however, a dishonor for the reasons stated above is not 
a  wrongful  dishonor.  Only  the  person  whose  name  is  printed  on  a 
convenience  check  may  sign  it.  All  convenience  checks  must  be  written 
in  U.S.  dollars.  We  will  not  certify  a  convenience  check.  You  may  write 
these  checks  for  any  amount  providing  your  total  outstanding  balance 
does not exceed your available credit limit and your credit card remains 
in good standing. We are entitled to return it unpaid if there is not enough 
available credit on your account to pay it, if you are in default under this 
Agreement,  if  your  card  or  convenience  checks  have  been  reported  lost 
or stolen, or if the convenience check is post-dated. A VISA convenience check 
may not be used to make a payment on your VISA credit card account or any 
other Star One loan obligation. The Credit Union shall have no liability for any 
convenience check returned in excess of your credit line.
10. YOU PROMISE TO PAY: You promise to pay us in United States dollars, 
by  cash,  check  or  money  order  as  provided  by  this  Agreement,  all  such 
amounts, plus Interest Charges, which arise from such use of the Card or 
account by you or any other person, and to be jointly and severally liable 
with such a person, unless such other person does not have actual, implied, 
or apparent authority for such use, and you received no benefit for the use.
11.  MINIMUM  PAYMENT  REQUIRED:  Minimum  Monthly  Payment.  We 
will mail you a statement every month if your account has a balance. You 
agree that you will pay each month not less than the minimum monthly 
payment  on  or  before  the  scheduled  monthly  due  date.  The  minimum 
monthly  payment  will  be  3.5%  of  your  outstanding  balance  (“New 
Balance”) or $20.00, whichever is greater. If your outstanding balance is 
$20.00 or less, you agree to pay the balance in full. You may pay in full 
for  all  your  purchases  and  cash  advances  each  month,  or  you  may 
repay  in  monthly  installments.  We  can  accept  late  payments  or  partial 
payments,  or  checks,  drafts,  or  money  orders  marked  “payment  in  full” 
without  prejudice  to  our  rights  under  this  Agreement,  which  are  hereby 
explicitly  reserved.  A  credit  posting  from  a  merchant  or  reversal  of  fees 
do  not  constitute  a  minimum  payment.  The  minimum  monthly  payment 
may  be  allocated  at  the  Credit  Union’s  discretion  to  pay  off  lower  rate 
balances, such as promotional offers, before higher rate balances, such as 
cash advances or purchases. Payments in excess of the minimum monthly 
payment will be allocated first to higher rate balances, as applicable.
12.  AUTOMATIC  PAYMENT  OPTION:  If  you  have  elected  Automatic 
Payment  (or  “AutoPay”),  the  Credit  Union  will  automatically  deduct  and 
transfer  your  monthly  VISA  Credit  Card  payment  from  your  designated 
Credit Union, checking or savings account on the scheduled Payment Due 
Date.  The  Automatic  Payment  Option  is  voluntary,  is  not  a  condition  of 
credit or this Agreement and can be withdrawn by you at any time. The 
Automatic Payment option remains in effect until the Credit Union receives 
notification  from  you  terminating  the  arrangement.  Your  request  for 
termination must give the Credit Union reasonable opportunity to act on it.
When  you  elect  AutoPay,  you  agree  that  we  may  adjust  the  automatic 
payment  amount  each  month  to  agree  to  either  the  minimum  monthly 
payment  (Required  Payment  Due)  or  “Payment  in  Full”  as  authorized 

by you. Notification of the varying payment amount due and scheduled 
payment due date will be satisfied by providing you with a monthly billing 
statement reflecting this information. If sufficient funds are not available 
to satisfy the total amount of the payment when due; we will take whatever 
funds are available each processing day between the payment due date 
and the account cycle date until the scheduled payment is satisfied. If due 
to insufficient funds we do not transfer funds to make your required VISA 
Credit Card payment, you will be responsible to ensure that the required 
VISA Credit Card payment is made.
13. Interest  Charges:  The  total  outstanding  balance  of  purchases, 
cash, and overdraft advances in the Account on the closing date of any 
Billing  Cycle,  including  any  Interest  Charges,  will  be  shown  on  the 
Periodic Statement for that billing Cycle as the “New Balance.”
(a)  Purchases.  An  Interest  Charge  will  be  imposed  on  the  portion  of 
purchases included in the New Balance that remains unpaid within 25 
days after the closing date. This “grace period” allows you to avoid an  
Interest Charge on purchases for a billing cycle. However, if you do 
not pay the New Balance for purchases within the grace period, your 
Interest Charge will accrue on any unpaid purchase transactions from 
the date of purchase.

(b)  Cash/Overdraft Advances An Interest Charge will be imposed on Cash/
Overdraft Advances from the date posted to the account to the date paid.
14. DAILY BALANCE COMPUTATION METHOD: The Credit Union figures 
the Interest Charge on your account by starting with your Daily Balance 
(excluding  unpaid  Interest  Charges)  and  multiplying  that  number  by 
the  number  of  days  during  the  Billing  Cycle  during  which  you  had  that 
balance.  We  do  this  for  each  balance  you  have  during  the  Billing  Cycle 
and add up the results. That total is the balance used to determine your 
Interest Charge and is divided by the number of days in the Billing Cycle, 
then multiplied by the Annual Percentage Rate (APR), then divided by 
365 days, and then multiplied by the number of days in the Billing Cycle 
to get your Interest Charge for the Billing Cycle. Interest Charges start 
to  accrue  on  loan  advances  and  on  purchases  from  the  date  the  loan 
advance or purchase is posted to your account and your loan balance is 
reduced when the Credit Union receives your payment or enters a credit. 
An Interest Charge will not be imposed on the portion of purchases that 
are paid within 25 days after the closing date.
15.  DAILY  PERIODIC  RATE  AND  Annual  Percentage  Rate: 
VISA  Platinum  Cards  -  The  Daily  Periodic  Rate  used  to  compute  the 
Interest Charge on VISA Platinum Accounts is .0239726% with a 8.75% 
Annual Percentage Rate.
VISA Gold Cards - The Daily Periodic Rate used to compute the
Interest Charge on VISA Gold Accounts is .0267123% with a 9.75%
Annual Percentage Rate.
VISA Classic Cards - The Daily Periodic Rate used to compute the
Interest Charge on VISA Classic Accounts is .0287671% with a
10.5% Annual Percentage Rate, .0349315% with a 12.75%
Annual Percentage Rate, and .040411% with a 14.75% Annual
Percentage Rate.
Refer to your VISA Credit Card approval letter for your applicable
Annual Percentage Rate.
The Interest Charge for any Billing Cycle will be the sum of the Interest 
Charge for purchases and the Interest Charge for cash advances.
time,  we  may  offer 
16.  PROMOTIONAL  RATES:  From 
and  Annual  Percentage  Rates 
promotional  Periodic  Rates 
lower 
the  Periodic  Rate  and  Annual  Percentage  Rates 
(“Promotional  Rates”)  stated  in  this  Agreement.  The  terms  of  any 
promotional rates will be disclosed to you at the time of the promotion 
in  a  separate  addendum  which  will  become  part  of  this  Agreement.  At 
the  end  of  the  promotional  period,  the  Periodic  Rate  and  Annual 
Percentage  Rate  for  your  account  will  be  the  same  terms  as  set 
forth in this Agreement.

than 

time 

to 

17. OTHER FEES AND CHARGES:
(a)  Late Payment Charge - If your Minimum Payment is not paid within 
10 days after the Payment Due Date, you will be subject to a $15.00 
charge or the maximum late charge allowed by applicable law.

(b)  Returned  Check  Charge  -  A  $13.00  charge  will  be  made  when  a 
check submitted by you for payment on an account is returned to us, 
regardless of the reason.

(c)  Research and Copying - If you ask us to examine your account or 
provide copies of documents, except in resolution of a billing error 
we  may  charge  you  $3.00  for  each  duplicate  statement,  $2.00  for 
each interim statement, $3.00 for each photocopy of purchase drafts, 
and $20.00 per hour for the research.

(d)  Annual Membership Fee - None
(e)  ATM Fees - If you use an ATM to obtain a cash advance and the ATM 
is not operated by us, you may be charged an ATM surcharge by the 
ATM operator or an ATM network utilized for such a transaction. The 
ATM surcharge may be charged to your account if you complete the 
transaction.

18. PAYMENTS: We will apply your payments first to any billed fees, then 
to late charges, then to the Interest Charges on both purchases and cash 
advances, then to the principal balances of purchases in the order they 
were posted to your account, and then to the principal balance of cash 
advances. If two or more purchases were posted on the same day, your 
payment will be applied to the smallest first.
19.  PERIODIC  STATEMENTS:  If,  at  the  end  of  any  monthly  periodic 
interval  which  we  may  determine  (the  “Billing  Cycle”),  you  have  an 
outstanding  undisputed  debit  or  credit  balance  in  your  account,  or  if 
there is an Interest Charge imposed with respect to your account, we will 
send you a periodic statement for that Billing Cycle.
20.  ACCOUNT  STATEMENT:  Unless  you  notify  us  of  a  billing  error  as 
described  below,  you  accept  your  periodic  statements  as  accurate 
statements of your account with us.
21. USE OF THE ACCOUNT BY OTHERS: If you permit another person 
to use your account, you agree to pay for (1) any transactions made by 
that person and (2) charges imposed on those transactions, even if the 
amount of the actual use exceeds your permission to the extent allowed 
by applicable law.
22. LIABILITY FOR UNAUTHORIZED USE: Lost/Stolen Notification: You 
agree  to  notify  us  immediately,  orally  or  in  writing  at  Star  One  Credit 
Union, P.O. Box 3643, Sunnyvale, California 94088-3643, telephone 408 
543-5202 or 866 543-5202 of the loss, theft, or unauthorized use of your 
Card or other credit instrument or device that we supply to you. If you 
notify us of your lost or stolen Credit Card after discovery, you may not 
be liable for any losses related to credit transactions. This zero liability 
will  apply  provided  you  were  not  grossly  negligent  or  fraudulent  in 
handling your Card; otherwise your liability for unauthorized Visa Credit 
Card transactions may be up to $50.
You agree to assist us in determining the facts, circumstances, and other 
pertinent information related to any loss, theft, or possible unauthorized 
use  of  your  Card,  Account  Number  or  PIN  and  to  comply  with  such 
procedures as we may require with our processing and investigation.
23.  IRREGULAR  PAYMENTS:  We  can  accept  late  payments  or  partial 
payments, or checks and money orders marked “payment in full” without 
prejudice to our rights under this Agreement, which are hereby explicitly 
reserved.

24. DEFAULT: You will be in default if you fail to pay as agreed, fail to 
comply with any provision of this Agreement, if you provide us with false 
information or signature, if you default on any account or other obligation 
that you have with us, or if you die, become insolvent, or file bankruptcy.
25.  ATTORNEYS  FEES  AND  COSTS:  If  you  default  on  any  part  of  this 
Agreement,  you  agree  to  pay  us  all  costs  to  collect  your  account, 
including court costs and reasonable attorneys fees whether or not there 
is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, 

Star One Credit Union 
Visa Platinum, Gold & Classic Credit Card 
Pricing Information Addendum 

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for 
Purchases 

8.75% VISA Platinum       9.75% VISA Gold 
12.75 -14.75% VISA Classic  
When you open a VISA Classic account, the applicable APR is based on 
creditworthiness 

APR for Cash Advances & Balance 
Transfers 

8.75% VISA Platinum       9.75% VISA Gold 
12.75 -14.75% VISA Classic  
When you open a VISA Classic account, the applicable APR is based on 
creditworthiness 

How to Avoid Paying Interest on 
Purchases 

Your due date is 25 days after the close of each billing cycle. We will not 
charge any interest on the portion of the purchases balance that you pay 
by the due date each month. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit 
card, visit the Web site of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore  

Annual Fee 

Transaction Fees 

FEES

None 

  Foreign Transaction Fees 

Up to 1% of the US dollar amount of the foreign transaction. 

Penalty Fees 

  Late Payment Fee 
  Return Item Fee 

$15 
$13 

How We Will Calculate Your Balance. We use a method called "daily balance" 
We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are 
current as of July 1, 2010.