CAMPUS USA CREDIT UNION 
VISA CONSUMER CREDIT CARD AGREEMENT 
In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” 
means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is 
incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this 
Agreement the words "you," “your,” and "yours" mean each and all of those who agree to be 
bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or 
substitutions the Credit Union issues to you; "account" means your Visa credit card line-of-credit 
account with the Credit Union; and "Credit Union" means the Credit Union whose name appears 
on this Agreement or anyone to whom the Credit Union transfers this Agreement. 

1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish 
a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash 
advances, finance charges, plus "other charges") which you will have outstanding on your 
account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over 
the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either 
orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled 
“Statements and Notices”) explaining your right to opt in to the Credit Union’s program whereby it 
will honor advance requests over the credit limit. In the event you opt in to such a program, you 
agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit 
limit, refuse to make an advance and/or terminate your account at any time for any reason not 
prohibited by law. If you are permitted to obtain cash advances on your account, we may, from 
time to time, issue convenience checks to you that may be drawn on your account. Convenience 
checks may not be used to make a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay 
a convenience check drawn on your account for any reason and such refusal shall not constitute 
wrongful dishonor. You may request that we stop the payment of a convenience check drawn on 
your account. You agree to pay any fee imposed to stop a payment on a convenience check 
issued on your account. You may make a stop payment request orally, if permitted, or in writing. 
Your request must be made with sufficient time in advance of the presentment of the check for 
payment to give us a reasonable opportunity to act on your request. In addition, your request 
must accurately describe the check including the exact account number, the payee, any check 
number that may be applicable, and the exact amount of the check. If permitted, you may make a 
stop payment request orally but such a request will expire after 14 days unless you confirm your 
request in writing within that time. Written stop payment orders are effective only for six (6) 
months and may be renewed for additional six month periods by requesting in writing that the 
stop payment order be renewed. We are not required to notify you when a stop payment order 
expires. If we re-credit your account after paying a check or draft over a valid and timely stop 
payment order, you agree to sign a statement describing the dispute with the payee, to assign to 
us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal action. You agree to indemnify and hold us harmless from all costs and expenses, including 
attorney's fees, damages, or claims, related to our honoring your stop payment request or in 
failing to stop payment of an item as a result of incorrect information provided to us or the giving 
of inadequate time to act upon a stop payment request. 

2. USING YOUR CARD — You understand that the use of your credit card will constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and 
Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases 
from merchants and others who accept your card. The credit union is not responsible for the 
refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or 
services over the Internet, you may be required to provide card number security information 
before you will be permitted to complete the transaction. In addition, you may obtain cash 

 
 
 
 
 
 
 
 
 
advances from the Credit Union, from other financial institutions that accept your card, and from 
some automated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union 
authorizes ATM transactions with your card, it will issue you a personal identification number 
(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with 
your card. You agree that you will not use your card for any transaction that is illegal under 
applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will 
be responsible for all amounts and charges incurred in connection with the transaction. If 
you are permitted to obtain cash advances on your account, you may also use your card to 
purchase instruments and engage in transactions that we consider the equivalent of cash. Such 
transactions will be posted to your account as cash advances and include, but are not limited to, 
wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable. This 
paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 

3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance 
transfers, use of convenience checks or any other charge) made to your account by you or 
anyone you authorize to use your account. You also promise to pay all finance charges and other 
charges added to your account under the terms of this Agreement or another agreement you 
made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 

4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance 
transfers are disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that 
may be imposed for failing to make a payment by the payment due date is also disclosed on the 
Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account 
is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash 
advances, balance transfers and any penalty rate will vary periodically as disclosed in the 
Disclosure accompanying this Agreement. The initial rate on your account for certain types of 
transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate 
that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your 
account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will 
automatically increase to the rates that would ordinarily apply for that type of transaction based 
on the terms of this Agreement. 

5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not 
incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of 
that billing cycle, or you paid the entire new balance on the previous cycle's billing statement by 
the payment due date of that statement; otherwise a finance charge will accrue from the date a 
purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire new balance on the billing statement by the payment due 
date of that statement. A finance charge begins to accrue on cash advances from the date you 
get the cash advance or from the first day of the billing cycle in which the cash advance is posted 
to your account, whichever is later. To avoid an additional finance charge on the balance of cash 
advances, you must pay the entire new balance on the billing statement by the payment due date 
of that statement. The finance charge is calculated separately for purchases and cash advances. 
For purchases, the finance charge is computed by applying the periodic rate to the average daily 
balance of purchases. To get the average daily balance of purchases, we take the beginning 
outstanding balance of purchases each day, add any new purchases, and subtract any payments 
and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances 
of purchases for the billing cycle together and divide the total by the number of days in the billing 
cycle. This gives us the average daily balance of purchases. For cash advances, the finance 
charge is computed by applying the periodic rate to the average daily balance of cash advances. 
To get the average daily balance of cash advances, we take the beginning outstanding balance of 
cash advances each day, add in any new cash advances, and subtract any payments and/or 
credits that we apply to the cash advance balance. This gives us the daily balance of cash 
advances. Then, we add all the daily balances of cash advances for the billing cycle together and 

 
 
 
divide the total by the number of days in the billing cycle. This gives us the average daily balance 
of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will 
be debited from your account in U.S. dollars. The exchange rate between the transaction 
currency and the billing currency used for processing international transactions is a rate selected 
by Visa from a range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa itself receives or the government-
mandated rate in effect for the applicable central processing date. The exchange rate used on the 
processing date may differ from the rate that would have been used on the purchase date or 
cardholder statement posting date. A fee (finance charge), calculated in U.S. dollars, will be 
imposed on all foreign transactions, including purchases, cash advances and credits to your 
account. A foreign transaction is any transaction that you complete or a merchant completes 
on your card outside of the United States, with the exception of U.S. military bases, U.S. 
territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the 
Disclosure accompanying this Agreement. 

7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your 
account. If applicable to your account, the fee amounts and explanations are disclosed on the 
Disclosure accompanying this Agreement. Your account may also be subject to additional fees as 
set forth on the Disclosure accompanying this Agreement. 
a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your 
account upon the issuance of your card. Each year following, the annual fee will be charged to 
your account during the same month that you were first charged the fee. The fee will be charged 
each year until your account is closed and paid in full. 
b. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be 
charged when you apply for a credit card account. 
c. Program Fee. If your account is subject to a Program Fee, a fee will be charged when you 
open an account as described on the Disclosure accompanying this Agreement. 
d. Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when 
you open an account as described on the Disclosure accompanying this Agreement. 
e. Account Maintenance Fee on Closed Accounts. If your account is subject to an Account 
Maintenance Fee on Closed Accounts, the fee may be charged to your account on the statement 
date for each month you have an outstanding balance on a closed account. You may be charged 
the fee each subsequent month until the balance is paid off as disclosed on the Disclosure 
accompanying this Agreement. 
f. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be 
charged for each additional card issued to you at account opening. 
g. Inactivity Fee. If your account is subject to an Inactivity Fee, a fee will be charged when there 
has been no activity on your account for a period as described on the Disclosure accompanying 
this Agreement. 
h. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be 
charged to your account when you transfer a balance from an account of another creditor to the 
account subject to this Agreement. 
i. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee 
(finance charge), the fee will be charged to your account when you obtain a cash advance from 
an ATM, the Credit Union or other financial institution. 
j. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign 
Transaction Fee (finance charge), a fee may be charged to your account for transactions made 
outside of the United States or in a foreign currency. 
k. Transaction Fee for Purchases. If your account is subject to a Transaction Fee for 
Purchases, a fee will be charged to your account for purchases as disclosed on the Disclosure 
accompanying this Agreement. 
l. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to 
your account when you do not make the required minimum payment by or within the number of 
days of the statement Payment Due Date set forth on the Disclosure accompanying this 
Agreement. 

 
m. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over 
your credit limit, we may charge you a fee as allowed by law. However, in no case will we impose 
an over-the-limit fee except in the next two billing cycles unless you have obtained an additional 
extension of credit in excess of such credit limit during each subsequent 
cycle or you have reduced the balance below the credit limit as of the end of each bill cycle. 
n. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be 
charged to your account when a payment is returned to you for any reason. 
o. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by 
applicable law and when the request is made in connection with a billing error made by the credit 
union, a fee may be charged to your account for each copy of a sales draft or statement that you 
request. 
p. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by 
applicable law, a fee may be charged to your account for each copy of a sales draft or statement 
that you request (except when the request is made in connection with a billing error made by the 
Credit Union). 
q. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee 
may be charged to your account for each rush card that you request, providing delivery of the 
card is also available by standard mail service, without paying a fee for delivery. 
r. Emergency Card Replacement Fee. If your account is subject to an Emergency Card 
Replacement Fee, a fee will be charged to your account for each emergency replacement card 
that is issued to you. 
s. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be 
charged to your account whenever you request a new PIN number for your account. 
t. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be 
charged for each replacement card that is issued to you for any reason. 
u. Unreturned Card Fee. If your account is subject to an Unreturned Card Fee, the fee will be 
charged to your account when any card(s) are not surrendered at our request for over-limit 
delinquency or any other reason set forth on the Disclosure accompanying this Agreement. 

8. PAYMENTS — Each month you must pay at least the minimum payment shown on your 
statement by the date specified on the statement. You may pay more frequently, pay more than 
the minimum payment or pay the total new balance in full. If you make extra or larger payments, 
you are still required to make at least the minimum payment each month your account has a 
balance (other than a credit balance). The minimum payment is 3.00% of your total new balance, 
or $15.00, whichever is greater, plus the amount of any prior minimum payments that you have 
not made, and any amount you are over your credit limit. In addition to the minimum payment, 
you must also pay, by the date specified above, the amount of any prior minimum payment(s) that 
you have not made, all outstanding unpaid fees and charges, and any amount you are over your 
credit limit. The Credit Union also has the right to demand immediate payment of any amount by 
which you are over your credit limit. 

9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what 
you owe the Credit Union in any manner the Credit Union chooses. However, in every case, in 
the event you make a payment in excess of the required minimum periodic payment, the Credit 
Union will allocate the excess amount first to the balance with the highest annual percentage rate 
and any remaining portion to the other balances in descending order based on applicable annual 
percentage rate. 

10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform 
Commercial Code and under any common law rights the Credit Union may have in any goods 
you purchase. If you give the Credit Union a specific pledge of shares by signing a separate 
pledge of shares, your pledged shares will secure your account. You may not withdraw amounts 
that have been specifically pledged to secure your account until the Credit Union agrees to 
release all or part of the pledged amount. Your Account is secured by all other shares you 
have in any individual or joint account with the Credit Union, except for shares in an 
Individual Retirement Account or in any other account that would lose special tax 

 
 
 
treatment under state or federal law if given as security. These other shares may be 
withdrawn unless you are in default under this agreement. You authorize the Credit Union 
to apply the balance in your individual or joint share accounts to pay any amounts due on 
your Account if you should default. Collateral securing other loans you have with the Credit 
Union may also secure this loan, except that a dwelling will never be considered as security for 
this account, notwithstanding anything to the contrary in any other agreement. 

11. DEFAULT — 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 credit update. You will also be in 
default if something happens that the Credit Union believes may substantially reduce your ability 
to repay what you owe. When you are in default, the Credit Union has the right to demand 
immediate payment of your full account balance without giving you notice. If immediate payment 
is demanded, you agree to continue paying finance charges at the periodic rate charged before 
default, until what you owe has been paid, and any shares that were given as security for your 
account may be applied towards what you owe. In the event that any suit is filed against the 
Credit Union with respect to this Agreement, or any credit card issued under this Agreement, the 
suit shall only be brought in the courts of the state of Florida. 

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You 
agree to notify us immediately, orally or in writing, at P.O. Box 31281, Tampa, FL 33631-3281 or 
telephone 800-449-7728 seven (7) days a week, 24 hours a day and after business hours, 866-
820-3761 seven (7) days a week, 24 hours a day or 800-367-6440 Monday through Friday 8:00 
a.m. to 5:00 p.m., of the loss, theft, or unauthorized use of your credit card. You may be liable for 
the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs 
after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for 
unauthorized purchases made with your credit card, unless you are grossly negligent in the 
handling of your card. In any case, your liability will not exceed $50.00. 

13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union 
may change the terms of this Agreement and any attached Disclosure from time to time. Notice of 
any change will be given in accordance with applicable law. If permitted by law and specified in 
the notice to you, the change will apply to your existing account balance as well as to future 
transactions. Either you or the Credit Union may terminate this Agreement at any time, but 
termination by you or the Credit Union will not affect your obligation to pay the account balance 
plus any finance and other charges you owe under this Agreement. Your obligation to pay the 
account balance plus any finance and other charges you owe under this agreement are subject to 
all applicable laws and regulations regarding repayment requirements. You are also responsible 
for all transactions made to your account after termination, unless the transactions were 
unauthorized. The card or cards you receive remain the property of the Credit Union and you 
must recover and surrender to the Credit Union all cards upon request or upon termination of this 
Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on JOINT 
ACCOUNTS of this Agreement also applies to termination of the account. 

14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue 
additional cards for authorized users that you designate. You must notify us in writing of any 
termination of an authorized user's right to access your account. Your letter must include the 
name of the authorized user and your account number and/or any subaccount number issued to 
the authorized user along with the authorized user's card and any convenience or other access 
checks issued to the authorized user. If you cannot return the authorized user's card or access 
checks and if you request your account to be closed, we will close your account and you may 
apply for a new account. 

 
 
 
 
 
15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to 
investigate your credit standing when opening or reviewing your account. You authorize the 
Credit Union to disclose information regarding your account to credit bureaus and creditors who 
inquire about your credit standing. If your account is eligible for emergency cash and/or 
emergency card replacement services, and you request such services, you agree that we may 
provide personal information about you and your account that is necessary to provide you with 
the requested service(s). 

16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give 
credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip 
which will be posted to your account. If your credits and payments exceed what you owe the 
Credit Union, the amount will be applied against future purchases and cash advances. If the 
credit balance amount is $1.00 or more, it will be refunded upon your written request or 
automatically after six (6) months. 

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to 
time offer additional services to your account, such as travel accident insurance, at no additional 
cost to you. You understand that the Credit Union is not obligated to offer such services and may 
withdraw or change them at any time. 

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any 
merchant or financial institution to honor your card. The Credit Union is subject to claims and 
defenses (other than tort claims) arising out of goods or services you purchase with the card if 
you have made a good faith attempt but have been unable to obtain satisfaction from the 
merchant or service provider, and (a) your purchase was made in response to an advertisement 
the Credit Union sent or participated in sending to you; or (b) your purchase cost more than 
$50.00 and was made in your state or within 100 miles of your home. 

19. JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly 
responsible for paying all amounts owed under this Agreement. This means that the Credit Union 
can require any one of you individually to repay the entire amount owed under this Agreement. 
Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of 
you may terminate the account and the termination will be effective as to all of you. 

20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all 
transactions on your account even though the sales, cash advances, credit or other slips you sign 
or receive may contain different terms. 

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times 
without losing them. 

22. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the 
appropriate address you have given the Credit Union. Notice sent to any one of you will be 
considered notice to all. 

23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the 
final expression of the terms and conditions of your account. This written Agreement and 
Disclosure may not be contradicted by evidence of any alleged oral agreement. Should any part 
of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this 
Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent 
possible under this Agreement. 

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and 
Disclosure. 

 
 
 
 
 
 
 
 
 
 
25. GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any 
type of gambling transaction. 

26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, 
including the rates for purchases, cash advances, and balance transfers, will increase to the 
Penalty Rate shown on the Disclosure accompanying this Agreement when you meet one or 
more of the conditions as set forth in the Disclosure. Any rate increases applied to your account 
are subject to applicable notice requirements. Please refer to the Disclosure for additional 
information regarding the Penalty Rate. 

27. VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to 
you. Voluntary Payment Protection is not necessary to obtain credit. If you purchase Voluntary 
Payment Protection from us, you authorize us to add the fees or insurance charges monthly to 
your loan balance and charge you interest on the entire balance. At our option we will change 
your payment or the period of time necessary to repay the loan balance. The rate used to 
determine the fees or insurance charges may change in the future. If the rate changes, we will 
provide any notices required by applicable law. 

28. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the 
agreement between you and the Credit Union. This written agreement may not be contradicted by 
evidence of any oral agreement. 

29. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — 
YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A 
LEGAL RIGHT TO COLLECT FROM YOU. 

30. NOTICE TO ALABAMA BORROWERS — CAUTION: IT IS IMPORTANT THAT YOU 
THOROUGHLY READ THIS AGREEMENT BEFORE YOU SIGN IT. 

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: 
CAMPUS USA Credit Union 
Post Office Box 147029 
Gainesville, FL 32614-7029 
You may also contact us on the Web: www.campuscu.com 

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 [or 
electronically]. You may call us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

 
 
 
 
 
 
 
 
 
 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will 
also tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why 
we believe the bill is correct. 
While we investigate whether or not there has been an error: 
We cannot try to collect the amount in question, or report you as delinquent on that amount. 
The charge in question may remain on your statement, and we may continue to charge you 
interest on that amount. 
While you do not have to pay the amount in question, you are responsible for the remainder of 
your balance. 
We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
If we made a mistake: You will not have to pay the amount in question or any interest or other 
fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along 
with applicable interest and fees. We will send you a statement of the amount you owe and the 
date payment is due. We may then report you as delinquent if you do not pay the amount we 
think you owe. If you receive our explanation but still believe your bill is wrong, you must write to 
us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 
delinquent without also reporting that you are questioning your bill. We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. If we do not follow all of the rules above, you do not 
have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note: Neither of these 
are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.) 
2. You must have used your credit card for the purchase. Purchases made with cash advances 
from an ATM or with a check that accesses your credit card account do not qualify. 
3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing [or electronically] at: 

CAMPUS USA Credit Union 
Post Office Box 147029 
Gainesville, FL 32614-7029 
www.campuscu.com 

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. 

Pricing 

The ANNUAL PERCENTAGE RATE, corresponding daily periodic rate and amount and due date of 
payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due 
date of payments will be determined at the time of each advance. Other charges that may be imposed are 
shown below (late charges, filing fees, collection costs, etc.). 

 
 
 
 
 
 
Special Note: On all loans, except Shared Secured and Certificate Secured, your rate will be 
based on your credit worthiness. Please contact the credit union to find out what rate you qualify 
for and what criteria we use to qualify you for a certain rate. 

FixedFIXED RATE VISA PLATINUM CREDIT DISCLOSURE 
Fixed Rate Visa Platinum Credit Disclosure 
Annual Percentage Rate (APR) for Purchases 
14.4% APR 
Annual Percentage Rate (APR) for 
Balance Transfers: 14.4% 
Cash Advances: 14.4% 
Late Payment Penalty: 17%* 
VARIABLE RATE VISA PLATINUM CREDIT DISCLOISCLOSURES FOR ALL 
CARDS 
Disclosures for All Cards 
Annual Fee 
None 

Grace Period for Repayment of Balance of Purchases 
You have a minimum 25-day fee period to pay off your balance before a periodic finance charge 
will be imposed. 

Method of Computing the Balance for Purchases 
Average daily balance (including new purchases) 

International Transaction Fee  
1% of foreign transaction amount 

Minimum Finance Charges 
None 

Late Payment Fee 
$34 

Over the Credit Limit Fee 
$34 
Return Check Fee 
$34 

Card Replacement Fee 
$15 

The minimum payment is the greater of $15 or 3% of your total new balance, not to exceed your total new 
balance, plus the amount of any prior minimum payments that you have not made, and any amount you are 
over your credit limit. 
*If your payment is received after the due date three times within any six-month period, your APR 
will increase to 17% with a monthly periodic rate of 1.416%. 
CREDIT INSURANCE COST DISCLOSURE 
Credit Insurance Cost Disclosure 

Coverage 
Cost per $100 of your monthly balance 

Single Credit Life 
$.068 

 
 
 
 
 
 
 
 
 
 
 
 
Joint Credit Life 
$.119 

Single Credit Disability 
$.134