Visa® Credit Card Agreement 
and Disclosure 

This Agreement and Disclosure Statement contains the terms and 
disclosures which apply to your Visa Credit Card Account ("Account") 
with Seven Seventeen Credit Union, Inc. 

Notice:  See  reverse  side  for  important  information  regarding  your 

rights to dispute billing errors. 

1.  Meaning  of  Words.  The  following  words  have  the  following 
meanings in this Agreement and in the monthly billing statement mailer 
hereunder: 

(a)  "Agreement"  means  the  Visa  Credit  Card  Agreement  and 

Disclosure furnished by us. 

(b)  "We",  "Us"  and  "Ours"  mean  Seven  Seventeen  Credit  Union, 

Inc., (SSCU) Warren, Ohio. 

(c)  "You"  and  "Your"  means  each  person  who  signs  this 

Agreement, or Visa Credit Card Application. 

(d)  "Card"  means  any  Visa  credit  card  and  any  duplicates  and 

renewals we issue to you. 

(e) "Account" means your Visa Credit Card Line of Credit Account 
with us that contains a record of all purchases and cash advances made 
by you under this Agreement. 

(f)  "Line  of  Credit"  means  the  total  dollar  amount  we  approve  for 
you  against  which  you  may  obtain  cash  advances  under  this 
Agreement. 

(g)  "Advance"  means  any  credit  extended  to  you  under  this 

Agreement for any purchases or cash advances. 

(h) "Cash Advance" means (i) any credit extended to you from us or 
from any other institution that accepts the Card (ii) any withdrawal of 
cash made by using your personal identification number ("PIN") at an 
automated teller machine ("ATM") or other type of electronic terminal 
that provides access to the Visa system, or (iii) the amount of any Visa 
Convenience Check paid by us. 

(i) "Visa Convenience Checks" means any check that may be issued 
by us to you, from time to time, that directly accesses your Visa Credit 
Card  Line  of  Credit  Account.  The  amount  of  any  Visa  Convenience 
Check paid by us is posted as a Cash Advance under your Account. 

2. How to Use This Account: You can purchase or lease goods and 
services  ("purchases")  from  a  merchant  up  to  your  maximum  credit 
limit by presenting your Card and signing a sales slip for the amount of 
the purchase. You may also use your Card: 

(a) To obtain cash advances up to your maximum credit limit from 

financial institutions that accept a Visa credit card; 

(b)  By  use  of  pre-printed  Visa  convenience  checks  that  we  may 

issue you from time to time; 

(c) By making withdrawals with your Card at an ATM or other type 

of electronic terminal that provides access to the Visa system; or 

(d) By first selecting your Account to provide overdraft protection 
for  your  Checking  Account  and  by  issuing  checks  or  drafts,  or  the 
accrual  of  any  charges  against  your  Checking  or  Money  Market 
Checking Account with Seven Seventeen Credit Union, Inc. in excess 
of its balance. Advances will be made up to your maximum credit limit 
by  automatic  transfer  of  funds  directly  into  your  predesignated 
Checking Account(s) in multiples of $100. The fee for each transfer is 
$7.00. 

3.  Responsibility.  If  we  issue  you  a  Card  you  agree  to  pay  all 
advances  under  the  Account  plus  FINANCE  CHARGES  arising  from 
the authorized use of the Card, a Visa convenience check and the Card 
account.  For  example,  you  are  responsible  for  charges  made  by 
yourself, your spouse and minor children. You are also responsible for 

charges  made  by  anyone  else  to  whom  you  give  the  Card,  and  this 
responsibility continues until the Card is recovered. Your obligation to 
pay the Account balance continues even though an agreement, divorce 
decree, or other court judgment, to which we are not a party, may direct 
you or one of the other persons responsible to pay the Account. If more 
than  one  person  signs  this  Agreement,  you  are  jointly  and  severally 
responsible for all charges on the Account. 

4.  Liability  for  Unauthorized  Use.  You,  the  cardholder,  are  not 
liable for any unauthorized transaction that is processed over the Visa 
network.  You  should  notify  us  immediately  in  the  event  your  Card  is 
lost or stolen or upon your discovery of a transaction which is the result 
of fraudulent activity such as the unauthorized use of the account or the 
Card. We reserve the right to impose liability on You, the cardholder, if 
we determine that You were negligent in the handling of the account or 
card. 

5. Lost Card Notification. To report lost or stolen Visa® credit 
cards 24 hours a day call 800.991.4965.  To report lost or stolen cards 
during normal business hours call 330.372.8100, 330.677.0001, 
330.492.1106 or 800.775.7741.  For Visa Platinum Card emergency 
assistance 24 hours a day call 800.VISA.911 (800.847.2911). 

6. Credit Line: If we approve your application, we will establish a 
self-replenishing  Line  of  Credit  for  you  and  notify  you  of  its  amount 
when  we  issue  the  Card.  You  agree  not  to  let  the  Account  balance 
exceed  this  approved  credit  line.  Each  payment  you  make  on  the 
Account  will  restore  your  credit  line  by  the  amount  of  the  payment 
which  is  applied  to  the  principal  balance  owed  on  the  Account.  You 
may request an increase in your credit line which must be approved by 
us. By giving you written notice, we may reduce your credit line from 
time to time, or with good cause, revoke your Card and terminate this 
Agreement.  Good  cause  includes  your  failure  to  comply  with  this 
Agreement, or our adverse reevaluation of your credit worthiness. You 
may  also  terminate  this  Agreement  at  any  time,  but  termination  by 
either of us does not affect your obligation to pay the Account balance. 
The Card remains our property and you must recover and surrender to 
us  all  Cards,  and  any  issued  but  unused  Visa  Convenience  Checks, 
upon our request and upon termination of this Agreement. 

7. Credit Information. You authorize us to investigate your credit 
standing when opening, renewing or reviewing your Account, and you 
authorize  us  to  disclose  information  regarding  your  Account  to  credit 
bureaus and other creditors who inquire of us about your credit, to the 
extent authorized by our bylaws. 

8.  Payments.  We  will  mail  you  a  statement  every  month  showing 
your  previous balance  comprised  of purchases  and  cash  advances,  the 
current  transactions  on  your  Account,  the  remaining  credit  available 
under  your  credit  limit,  the  new  balance  of  purchases  and  cash 
advances, the total new balance, the FINANCE CHARGE due to date, 
and the minimum payment required. Each month you must pay at least 
the  minimum payment shown on your statement by the date specified 
on  the  statement  or  no  later  than  25  days  from  the  statement  closing 
date,  whichever  is  later.  If  your  statement  says  the  payment  is  "Now 
Due,"  your  payment  is  due  no  later  than  25  days  from  the  statement 
closing  date.  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). 

Payment  checks  must  be  drawn  on  a  financial  institution  or  other 
entity  domiciled  in  the  United  States.  Otherwise,  posting  of  your 
payment may be delayed if presentment of a check is drawn on a non-
United  States  domiciled  financial  institution  or  entity.  The  payment 
will not be credited to your account until the funds have been collected 
in  United  States  dollars.  You  also  agree  to  allow  the  Credit  Union  to 

debit your account for any collection of processing fees associated with 
handling this payment. 

The  minimum  payment  for  the  Visa  Platinum  Rewards  and  Visa 
Platinum  card  will  be  either  Two  percent  (2%)  of  your  total  New 
Balance or $10, whichever is greater or your total new balance, if it is 
less  than  Ten  Dollars  ($10)  plus  any  portion  of  the  minimum 
payment(s) shown on prior statement(s) which remains unpaid. 

We  also  have  the  right  to  demand  immediate  payment  of  any 

amount by which you are over your credit limit. 

We  will  apply  your  minimum  payment  first  to  the  FINANCE 
CHARGE  on  balance  transfers,  cash  advances  and  purchases,  then  to 
fees, then to the principal balance of promotional cash advances, then 
to the principal balance of promotional purchases, 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.    Any  amount  in 
excess of the minimum payment will be applied to the balance with the 
highest ANNUAL PERCENTAGE RATE. 

9. FINANCE CHARGES. You can avoid a FINANCE CHARGE 
on  purchases  by  paying  the  full  amount  of  the  New  Balance  of 
purchases  each  month  within  25  days  of  your  statement  closing  date.  
Otherwise,  any  unpaid  New  Balances  of  purchases  and  subsequent 
purchases from the date they are posted to your Account will be subject 
to  FINANCE  CHARGES.    Cash  advances,  which  include  the  amount 
of  any  Visa  convenience  checks  or  balance  transfers  posted  to  your 
account,  are  always  subject  to  FINANCE  CHARGES  from  the  date 
they are posted to your Account. 

In  addition  to  the  ANNUAL  PERCENTAGE  RATE  you  will  be 
charged a transaction fee of 3% of the advance for each cash advance.  
For additional details, see paragraph 18G. 

A.  See Rate Addendum for Rates regarding your account. 
B.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will 
take  the  form  of  additional  payments  shown  as  total  minimum 
payments on the statement. 

C.  The following information is applicable to each of our Visa 

Credit Card Line of Credit Accounts: 
The  principal  balances  of  purchases  and  cash  advances  are 
determined  each  day  during  the  statement  period,  beginning  with  the 
principal portion of your previous balances, reduced by payments made 
and  credits  we  apply,  and  increased  by  purchases  and  cash  advances 
made and debit adjustments we make during the statement period.  The 
daily principal balances are totaled and divided by the number of days 
in  the  statement  period,  to  produce  separate  average  daily  principal 
balances for purchases and cash advances to which the periodic rate is 
then applied. 

Any increase in the ANNUAL PERCENTAGE RATE will take the 
form of additional payments shown as total minimum payments on the 
statement.   

10.  Default.  You  will  be  in  default  if  you  fail  to  make  any 
minimum payment or other required payment by the date that it is due. 
You  will  be  in  default  if  you  break  any  promise  you  make  under  this 
Agreement.  You  will  be  in  default  if  you  die,  file  for  bankruptcy,  or 
become  insolvent,  that  is,  unable  to  pay  your  obligations  when  they 
become due. You will be in default if you make any false or misleading 
statements  in  any  credit  application  or  update  of  credit  information. 
You will also be in default if something happens which we believe may 
substantially reduce your ability to repay what you owe. When you are 
in default we can demand immediate payment of the entire amount you 
owe  under  this  Agreement  without  giving  you  advance  notice.  If 
immediate payment is demanded, you will continue to pay interest, at 
the applicable interest rates in effect under this Agreement, until what 
you owe has been repaid. If demand for immediate payment has been 
made, the shares and deposits given as security for payment under this 
Agreement  can  be  applied  towards  what  you  owe.  We  may  also  take 

appropriate action as authorized under the Uniform Commercial Code 
to  repossess  any  and  all  collateral  pledged  to  secure  repayment  under 
this  Agreement.  To  the  extent  permitted  by  law,  you  will  also  be 
required  to  pay  our  collection  expenses,  including  court  costs  and 
reasonable attorneys' fees. We can also exercise any other rights given 
by law when you are in default. 

11. Using the Card. You may use the actual Card, Account number 
and/or  PIN  to  make  transactions.  You  will  retain  the  copies  of  the 
transaction  slips  furnished  to  you  in  order  to  verify  your  monthly 
statement.   

12.  Returns  and  Adjustments.  Merchants  and  others  who  honor 
the Card may give credit or returns or adjustments, and they will do so 
by sending us a credit slip, which we will post to your Account. If your 
credits and payments exceed what you owe us, we will hold and apply 
this credit balance toward future purchases and Cash Advances, or if it 
is one dollar or more, refund it on your written request or automatically 
after three months. 

13.  Using  Visa  Convenience  Checks.  You  may  use  your  Visa 
Convenience  Checks,  if  available,  as  you  would  use  your  Card  to 
obtain a Cash Advance or to  make a purchase or payment. Your Visa 
Convenience  Checks  directly  access  your  Account.  All  purchases, 
payments  and  Advances  made  with  a  Visa  Convenience  Check  and 
paid  by  us  are  treated  as  Cash  Advances  hereunder  and,  except  as 
otherwise  indicated,  are  subject  to  all  terms  of  this  Agreement 
pertaining to Cash Advances and to the following additional terms: 

A.  No Visa Convenience Check may be used to make a payment on 

your Account. 

B.  Only the person whose name appears on a Visa Convenience 

Check may use them. 

C.  Visa Convenience Checks must be written in U.S. Dollars in an 
amount  not  less  than  $100.  Visa  Convenience  Checks  may  not 
be certified. 

D.  We may return a Visa Convenience Check unpaid if there is not 
enough  available  credit  on  your  Account  to  pay  it,  if  your 
Account is in default, or if your Card or any Visa Convenience 
Checks  have  been  reported  lost  or  stolen.  A  $35  fee  will  be 
charged for each returned Visa Convenience Check unless it has 
been reported lost or stolen. 

E.  If  you  are  issued  checks  to  access  your  account  and  you  stop 
payment on a check, your account will be charged $35 for each 
stop payment. 

14. Foreign Transactions. Purchases and Cash Advances made in 
foreign countries and foreign currencies will be billed at a rate selected 
by Visa from the 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; in each instance, plus or minus 
any adjustment determined by the Issuer.  The adjustment may show as 
a separate entry on your account. You are blocked from using your card 
in Cyprus, Indonesia, Madagascar, Malaysia, Mongolia, Nigeria, Saudi 
Arabia, Spain, Tunisia and Turkey. 

15.  Internet Transactions:  You are blocked from using your card 

on any internet gambling sites. 

16.  Merchant  Disputes.  We  are  not  responsible  for  the  refusal  of 
any  merchant  or  financial  institution  to  honor  your  Card  or  Visa 
Convenience Checks. 

17.  Overdrafts.  You  may  use  your  Visa  Account  as  part  of  your 
overdraft protection plan for your SSCU Checking Account. Overdrafts 
will  be  handled  in  accordance  with  our  overdraft  procedures  as  stated 
in the Membership and Share Account Agreement and Disclosure that 
you received when you opened your Account and/or by your overdraft 
protection options that you signed with us. 

 
 
18. Fees and Other Charges. The following fees and other charges 

J.  Copies of Visa Slips. You will be charged $10 for each copy 

will be added to your Account, as applicable: 

of a Visa slip that you request. 

A.  Annual Fee. None. 
B.  Late Payment Fee. If you fail to pay the minimum payment 
on  your  Account  within  ten  (10)  days  of  the  disclosed  due 
date,  a  late  payment  fee  of  $30  will  be  added  to  your 
Account. 

fee  of  $30  will  be  added 

C.  Over-Limit  Fee.  If  your  balance  exceeds  your  established 
credit limit at any time during the statement period, an over-
to  your  Account.  
limit 
Unless  you  provide  us  your  consent,  we  will  decline  any 
transaction  that  causes  you  to  go  over  your  established 
credit limit.  Only when you have opted-in to over-the-limit 
transactions,  through  any  of  the  options  below,  may  Seven 
Seventeen  allow  you  to  exceed  your  credit  limit  and  charge 
an over-the-limit fee of $30 for doing so.  Any over-the-limit 
fee  charged  to  your  account  will  appear  on  your  VISA® 
Statement.  You will only pay one fee per billing cycle, even 
if you go over your limit multiple times in the same cycle.  If 
you  remain  over  your  credit  limit  for  the  following  two  (2) 
billing  cycles,  you  will  be  charged  an  over-the-limit  fee  in 
each  billing  cycle.    Even  if  you  request  over-the-credit-limit 
coverage,  in  some  cases  we  may  still  decline  a  transaction 
that would cause you to go over your limit, such as if you are 
past  due  or  significantly  over  your  credit  limit.   Important:  
You  have  the  right  to  revoke  your  over-the-credit-limit 
coverage at any time. 
To authorize or rescind over-the-credit-limit transactions 
on your Seven Seventeen VISA, simply: 

(cid:131) 

(cid:131) 

Call  us  at  any  of  these  numbers:    330/372-8100, 
330/726-0344, 330/793-2495, 330/677-0001, 330/534-
9002, 330/492-1106, 800/775-7741 
Visit  any  branch  office  (call  or  visit  www.sscu.net 
for locations 

You  may  not  opt-in  to  over-limit  transactions  on  Share 
Secured  VISA®  cards.    Based  on  your  account  status,  we 
may  choose  to  not  permit  you  to  opt-in  or  we  may  opt  you 
out of the program. 

D.  Returned Check Fee. If a check used to make a payment on 
your Account is returned unpaid because of insufficient funds 
therefore, or for any other reason, you will be charged a fee 
of $35 for each item returned. 

E.  Card  Replacement  Fee.  You  will  be  charged  $5  for  each 

replacement Card that is issued to you for any reason. 

F.  Application Fee. If, as a condition for opening your Account, 
we require your Visa Account to be share-secured,  you  may 
be charged an application fee of $25. 

G.  Cash Advance Fee. You will be charged a transaction fee of 
3%  of  the  Advance  Amount  for  each  Cash  Advance 
(minimum  $2,  maximum  $15).  You  will  be  charged  a 
transaction fee (minimum $2, maximum $15) equal to 3% of 
the amount of each Visa Convenience Check paid by us and 
posted to your Account as a Cash Advance 

H.  Additional  Charges.  Whenever  we  are  requested  by  you  or 
any other person not connected with us, to conduct any type 
of research in connection with your Account, we will charge 
you  a  fee  of  $12.50  per  half  hour  for  our  research  time  and 
$.15  for  each  page  of  copied  material  (except  when  the 
request  is  made  in  connection  with  a  billing  error  made  by 
us). 

I.  Returned  Statement  Fee.  You  will  be  charged  $3  for  each 

statement that is returned to us as undeliverable. 

K.  Stop Payment on Check. You will be charged $35 for each 
stop payment made on your Visa Convenience Checks. If the 
check  is  presented  for  payment  you  will  be  charged  an 
additional $5. 

L.  Transaction Fee for Purchase and Cash Advance Made in 
Foreign Currency. You will be charged 3% of the amount of 
foreign currency transaction after conversion to US dollars. 
M.  Transaction Fee for Purchase and Cash Advance Made in 
a  Foreign  Country  in  US  Currency.  You  will  be  charged 
3% of the amount of the transaction. 

N.  Priority Card Fee.  $15.00 

19. Skip Payment Option. We may allow you, from time to time, 
to  omit  a  monthly  payment.  We  will  notify  you  as  to  any  month  in 
which  the  option  is  available.  If  you  omit  a  payment,  FINANCE 
CHARGES  and  insurance  premiums,  if  any,  will  accrue  on  your 
balance  in  accordance  with  this  Agreement.  A  skip  payment  does  not 
extend the period within which you must pay the New Balance Total in 
order  to  completely  avoid  FINANCE  CHARGES  on  purchases.  A 
minimum  payment  will  be  due  in  the  month  following  the  month  in 
which you skip your payment. 

20.  Effective  Agreement.  This  Agreement  is  a  contract  which 
applies to all transactions on your Account, even though the sales, Cash 
Advances,  credits  or  other  slips  you  sign  or  receive,  may  contain 
different  terms.  We  may  amend  this  Agreement  from  time  to  time  by 
sending you advance written notice as required by law. Your use of the 
Card,  or  Visa  Convenience  Check,  thereafter  will  indicate  your 
agreement to any such amendment. To the extent the law permits, and 
as  we  indicate  in  our  notice  to  you,  amendments  will  apply  to  your 
existing  Account  balance  as  well  as  to  future  transactions.  This 
Agreement shall be construed in accordance with the laws of the State 
of Ohio and relevant Federal Laws. 

21.  Security  Interest.  You  agree  that  the  Credit  Union  has  a 
security  interest  in  the  account  as  identified  in  the  Credit  Card 
Application.  Further,  you  agree  that  future  funds  deposited  in  that 
account  are  also  subject  to  the  Credit  Union's  security  interest.  In  no 
event  shall  the  Credit  Union  take  a  security  interest  in  Individual 
Retirement Accounts or other accounts, which it is forbidden to attach 
by  law.    Collateral  securing  other  loans  with  us  may  also  secure  this 
loan. 

22.  Illegal  use  of  Card.  Any  financial  service  provided  by  the 
Credit  Union  may  only  be  used  for  any  transaction  permitted  by  law. 
You  agree  that  illegal  use  of  any  financial  service  will  be  deemed  an 
action  of  default  and/or  breach  of  contract  and  such  service  and/or 
other related services may be terminated at the discretion of the Credit 
Union. You further agree, should illegal use occur, to waive the right to 
sue  the  Credit  Union  for  such  illegal  activity  directly  or  indirectly 
related  to  it.  You  also  agree  to  indemnify  and  hold  the  Credit  Union 
harmless  from  any  suits  or  other  legal  action  or  liability,  directly  or 
indirectly, resulting from such illegal use. Such illegal use includes but 
is not limited to gambling and any withdrawal of funds with the intent 
to conduct illegal activity. 

23.  Transfer  of  Account.  You  cannot  transfer  or  assign  your 

account to any other person. 

in  brand-name  merchandise  and 

24.  ScoreCard  Rewards.    If  you  have  our  Platinum  Rewards 
Card;  for  every  purchase  you  make  you  earn  Bonus  Points  with  the 
ScoreCard Rewards program.  Bonus Points are redeemable toward the 
  See 
best 
www.scorecardrewards.com for full details.  Purchases made by or for 
a  business  or  for  business  purposes  and  unauthorized/fraudulent 
transactions  do  not  earn  points.  We  may  discontinue  the  Score  Card 
Rewards service at any time. 

travel  awards. 

YOUR BILLING RIGHTS  
KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under 

the Fair Credit Billing Act. 

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR 
STATEMENT 

If you think there is an error on your statement, write to us at: 

Seven Seventeen Credit Union, Inc. 
ATTN: VISA 
3181 Larchmont Ave. NE 
Warren, OH  44483-2498 

You may also contact us on the Web: www.sscu.net 
In your letter, give us the following information: 
(cid:131)  Account information:  Your name and Account Number 
(cid:131)  Dollar amount:  The dollar amount of the suspected error 
(cid:131)  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: 
(cid:131)  Within 60 days after the error appeared on your statement 
(cid:131)  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  (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: 
(cid:131)  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. 

(cid:131)  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: 
(cid:131)  We cannot try to collect the amount in question, or report you as 

delinquent on that amount. 

(cid:131)  The  charge  in  question  may  remain  on  your  statement,  and  we 

may continue to charge you interest on that amount 

(cid:131)  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

responsible for the remainder of your balance. 

(cid:131)  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
(cid:131)  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. 
(cid:131)  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  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: 
Seven Seventeen Credit Union, Inc. 
ATTN: VISA 
3181 Larchmont Ave. NE 
Warren, OH  44483-2498 
www.sscu.net 
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. 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against 
any  aspect  of  a  credit  transaction  on  the  basis  of  race,  color,  religion,  national  origin,  sex, 
marital status or age (provided the applicant has the capacity to contract); or because all or part 
of the applicants’ income derives from any public assistance program; or because the applicant 
has in good faith exercised any right under the Consumer Credit Protection Act. 

3181 Larchmont Ave NE 

        Warren, Ohio 44483 330.372.8100                       

www.sscu.net 

2/22/2010 Visa Disclosure 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Introductory APR for Balance 
Transfers 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and  
when it applies 

How to avoid paying interest 
on purchases 
Minimum Interest Charge 
For Credit Card Tips from the 
Federal Reserve Board 
Fees 
Annual Fee 
Transaction Fees 
*  Balance Transfer 
*  Cash Advance 
*  Foreign Transaction 
Penalty Fees 
*  Late Payment 
*  Over-the-Credit Limit 
*  Returned Payment 

Visa® Platinum Card 
10.49% - 22.99% These APRs will vary with the market 
based on the Prime Rate. The rate for which you may qualify at account 
opening will depend on your creditworthiness.   
4.99%* The rate for which you may qualify at account opening 
will depend on your creditworthiness.   
14.49% - 24.99% These APRs will vary with the market 
based on the Prime Rate.  The rate for which you may qualify at account 
opening will depend on your account relationship. 
14.49% - 24.99% These APRs will vary with the market 
based on the Prime Rate.  The rate for which you may qualify at account 
opening will depend on your account relationship. 
24.99% 
This APR may be applied to your account if you make a late payment 
which is 60 days past due.   
How long will the Penalty APR Apply?  If your APRs are 
increased for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due.  
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by 
the due date each month. 
There is no minimum interest charge. 
To learn more about factors to consider when applying or using a credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard.  

Visa® Platinum Rewards Card 
10.99% - 20.99% These APRs will vary with the market 
based on the Prime Rate. The rate for which you may qualify at account 
opening will depend on your creditworthiness.   
4.99%* The rate for which you may qualify at account opening 
will depend on your creditworthiness.   
14.99% - 24.99% These APRs will vary with the market 
based on the Prime Rate.  The rate for which you may qualify at account 
opening will depend on your account relationship. 
14.99% - 24.99% These APRs will vary with the market 
based on the Prime Rate.  The rate for which you may qualify at account 
opening will depend on your account relationship. 
24.99% 
This APR may be applied to your account if you make a late payment 
which is 60 days past due.   
How long will the Penalty APR Apply?  If your APRs are 
increased for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due.  

None 

None 
3% of the amount of each cash advance, with a minimum of $2 and a maximum of $15. 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $35 
Up to $35 

How we calculate your balance:  We use a method called “average daily balance (including new purchases)”.  See your Visa Credit Card Agreement and Disclosure for more details. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card Agreement and Disclosure. 

The above fee and term information is correct as of December 2010 and is subject to change.  Applicant must meet minimum credit requirements.  Please call for current 
information. 
* Introductory Balance Transfer rate is for 9 statement closing dates, then Balance Transfers will be subject to the Cash Advance rate.  Balance Transfer checks must be written within 
the first three cycle dates to qualify for the introductory rate. 

Visa Platinum Credit Card Rate Addendum 

12/01/2010