TCU VISA Platinum Rewards Credit Card Account Agreement 

This TCU VISA Platinum Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights 
and obligations and ours under your Teachers Credit Union Platinum Credit Card Account ("Account"). Please read it carefully  and 
retain it for future reference; it contains the terms that will govern your Account. In this Agreement, the applicant, co-applicant, and 
any other person you authorize to use the account will be referred to as "you", "your", and "yours".  Teachers Credit Union,  or its 
agents, authorized representatives, successors or assignees, will be referred to as "we", "our", and "us". This Agreement becomes 
effective at the time you apply for the Account, use the Account, accept or sign a credit card issued on the Account, whichever event 
occurs first. 

Promise to Pay: You promise to pay us, or our assigns, or to our order (in lawful money of the United States of America) the total 
amount of all transactions that you make on your Account. You also promise to pay the total amount of all transactions that others 
make on your Account with your permission, even if the amount transacted exceeds that which you had authorized. In addition, you 
promise to pay all other finance charges or interest, expenses, fees, or other fees that may be added from time to time, as provided 
for in this Agreement that become due on your Account. 

Credit  Limit:  The  credit  limit  for your  Account  will  appear  on  your  billing statement. You promise that you and others using your 
Account  will  not make transactions  on  your  Account  in  an  amount that  exceeds  your  credit  limit. You  also  promise to  pay  us  the 
amount of any transactions on your account in excess of your credit limit, including interest, as we may require. Except as may be 
limited by applicable law, we, in our sole discretion, may increase or decrease your credit limit by any amount. We also may refuse 
to extend additional credit for any transaction if you have reached your credit limit or if you are in default (as defined below). 

Minimum  Monthly  Payment:  Each  month,  by  the  28th  day  of  the  month  (“Payment  Due  Date”)  you  must  pay  us  at  least  the 
("Minimum Monthly Payment") shown on your Account Statement for the Billing Cycle.  The Minimum Monthly Payment will be equal 
to the following: 

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2% of your New Balance, or $25.00, whichever is greater; plus, any amount Past Due or the amount by which your New 
Balance exceeds your credit limit.  
Rounding.  The Minimum Monthly Payment will be rounded up to the highest $1.00 
Payment  of  balance.  If  your  Loan  Account  Balance  at  the  end  of  a  Billing  Cycle  is  less  than  $25.00,  your  Minimum 
Payment will be equal to the entire outstanding Loan Account Balance. 
You may pay off all or part of what you owe at any time.  If you pay more than the Minimum Payment amount, you must 
continue to make your periodic minimum payments as otherwise required by this Credit Card Agreement. 

Unless  otherwise  agreed  or  required  by  applicable  law,  your  payments  may  be  applied  to  what  you  owe  us  in  any  manner  we 
choose.  However, in every case, in the event you make a payment  in excess of the required Minimum Monthly Payment, we 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 the applicable annual percentage rates. 

Advances:  There  are  three  types  of  transactions  that  you  can  make  on  your  Account:  Purchases,  Balance  Transfers  or  Cash 
Advances. You make a Purchase when you use your credit card to buy goods or services, these transactions will be posted to the 
Purchase segment of your Account Statement.  You make a Balance Transfer when you transfer a balance on another credit card to 
this  Account.  Balance  Transfers  will  be  posted  in  the  Purchase  Transaction  segment  of  your  Account  Statement  unless  shown 
separately.  Balance  Transfers  to  another  Teachers  Credit  Union  loan  account,  including  THE  Card  Home  Equity  Loan,  are  not 
permitted on the TCU Platinum Reward card. You make a Cash Advance Transaction when you use your credit card to obtain cash 
or cash equivalents.  Cash equivalents include: ATM transactions, wire transfers, travelers’ checks, money orders, foreign currency, 
lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account statement. You 
agree that we may charge your credit card Account for the amount of each transaction made on your Account. This paragraph shall 
not be interpreted as permitting or authorizing any transaction that is illegal. 

Billing Cycle:  The term “Billing Cycle” means the interval between the days or dates of the regular Account Statements, which may 
vary in length, but is approximately 30 days.  The specific period of time is described on each Account Statement.  However, you will 
have a Billing Cycle even if a Statement is not required.  We will often specify a Billing Cycle by the month in which its closing date 
occurs as provided on the Statement.  For example, a “March Billing cycle” will have a closing date in March.  We may also refer to 
a Billing Cycle as the “Billing Period.”  If your Account balance has charged off, we may switch to quarterly Billing Cycles to your 
Account. 

Interest (Finance) Charges  

Interest  (Finance)  Charge  Calculation  Method  for  Credit  Purchases.  The  interest  (finance)  charges  on  merchant  or  credit 
purchase transactions (“Purchase Transactions”) begin to accrue on the transaction date. The interest (finance) charges for a Billing 
Cycle are computed by applying the daily periodic rate to the average daily balance (for Purchase Transactions) multiplied by the 
number of days in the Billing Cycle.  The average daily balance is determined by dividing the sum of the daily balances during the 
Billing  Cycle,  by  the  number  of  days  in  the  Billing  Cycle.    To  get  the  daily  balance  we  start  with  the  beginning  balance  of  your 
Account each day (for Purchase Transactions) to which we add all new purchases and any other debits and subtract the amount of 
payments and credits to your Account. Then we total the daily balances (for Purchase Transactions) for each day of the Billing Cycle 
and  divide  the  result  by  the  number  of  days  in  the  Billing  Cycle.  This  gives  us  the  Average  Daily  Balance  of  your  Account  (for 
Purchase Transactions) for the Billing Cycle.  

Variable Annual Percentage Rate (APR) for Credit Purchases.  When you were granted an Account, you were approved for an 
interest rate margin between 6.24% and 10.24% for Purchase transactions.  This margin is added to the Prime Rate to determine 
the APR.  As of April 1, 2016 the APR for Purchase transactions, was between 9.74% and 13.74% APR.  The daily periodic rate is 
determined by taking the APR and dividing it by 365. 

Interest  (Finance)  Charges  Calculation  Method  for  Balance  Transfers.  The  interest  (finance)  charges  on  Balance  Transfer 
Transactions (“Balance Transfer Transactions”) begin to accrue on the transaction date. The interest (finance) charges for a Billing 
Cycle are computed by applying the daily periodic rate to the average daily balance (for Balance Transfer Transactions) multiplied 
by the number of days in the Billing Cycle.  The average daily balance is determined by dividing the sum of the daily balances during 
the Billing Cycle, by the number of days in the Billing Cycle.   To get the daily balance we start with the beginning balance of your 
Account each day (for Balance Transfer Transactions) to which we add all new Balance Transfer Transactions and any other debits 
and  subtract  the  amount  of  payments  and  credits  to  your  Account.  Then  we  total  the  daily  balances,  (for  Balance  Transfer 
Transactions) for each day of the Billing Cycle and divide the result by the number of days in the Billing Cycle. This gives  us the 
Average Daily Balance of your Account (for Balance Transfer transactions) for the Billing Cycle.  

 
 
 
 
 
 
 
 
 
 
Variable APR for Balance Transfers. When you were granted an Account, you were approved for an interest rate margin between 
6.24% and 10.24% for Balance Transfer transactions. This margin is added to the Prime Rate to determine the APR.  As of April 1, 
2016 the APR for Balance Transfer transactions was between  9.74% and 13.74%  APR.  The daily periodic rate is determined by 
taking the APR and dividing it by 365. Balance Transfers to another Teachers Credit Union loan account, including THE Card Home 
Equity Loan, are not eligible for a balance transfer the TCU Platinum Reward card. 

Interest (Finance) Charges for Cash Advances. The interest (finance) charges on Cash Advance Transactions begin to accrue on 
the date you obtain the Cash Advance or the first day of the Billing Cycle in which it is posted to your Account, whichever is later. 
The interest (finance) charges for a Billing Cycle are computed by applying the daily periodic rate to the average daily balance (for 
Cash  Advance  Transactions) multiplied  by  the  number  of  days  in  the  Billing  Cycle.    The  average  daily  balance  is  determined  by 
dividing the sum of the daily balances during the Billing Cycle, by the number of days in the Billing Cycle.  To get the daily balance 
we  start  with  the  beginning  balance  of  your  Account  each  day  (for  Cash  Advance  transactions)  to  which  we  add  all  new  Cash 
Advance  transactions  and  any  other  debits  and subtract the  amount  of  payments  and credits to  your  Account.  Then  we  total  the 
daily balances (for Cash Advance transactions) for each day of the Billing Cycle and divide the result by the number of days  in the 
Billing Cycle. This gives us the Average Daily Balance of your Account (for Cash Advance transactions) for the Billing Cycle.  

Variable APR for Cash  Advances. When you were granted an Account, you were approved for an interest rate margin between 
8.90% and 12.90% for Cash Advance transactions. This margin is added to the Prime Rate to determine the APR.  As of April 1, 
2016  the  APR  for  Cash  Advances  and  Balance  Transfers  was  between  12.40%  and  16.40%  APR.    The  daily  periodic  rate  is 
determined by taking the APR and dividing it by 365. 

Minimum Interest (Finance) Charge. If you are charged interest (finance charges), the charge will be no less than $.50. 

How  to  Avoid  Paying  Interest  (Finance)  Charges  on  New  Purchase  Transactions.  We  will  begin  charging  interest  on 
purchases,  balance  transfers  or  cash  advances  on  the  transaction  date.  To  avoid  incurring  interest  charges,  for  new  purchase 
transactions,  you  must  pay  the  New  Balance  which  includes  purchases,  balance  transfers  and  cash  advances,  as  shown  on  the 
Account Statement, on or before the payment due date. 

Variable Rate Index.  The annual percentage rate may change and will be based on the value of an index plus a margin.  The index 
is the Prime Rate published in the Money rates column of the Wall Street Journal, as published on the fifth day of the month prior to 
the change dates.  If the Journal is not published on that day, then see the immediately preceding (“Index”). The change dates will 
occur quarterly on the 1st day of January, April, July and October billing periods (“Change Dates”).  

Rate Changes.  The annual percentage rate may increase if the Index rate increases.  An Index rate increase will result in a higher 
interest charge and it may have the effect of increasing the amount of time required to repay the outstanding balance. An Index rate 
decrease will result in a lower interest rate charge and it may have the effect of decreasing the amount of time required to repay the 
outstanding  balance.  The  annual  percentage  rate  can  increase  or  decrease  on  the  Change  Dates.    An  Index  rate  increase  or 
decrease will take effect on the first day of the billing cycle. If the Index rate changes more frequently that the annual percentage 
rate, we will use the Index rate in effect on the day we adjust the annual percentage rate to determine the new annual percentage 
rate.  In such a case, we will ignore any changes in the Index rate that occur between annual percentage rate adjustments. 

Rate Change Limitations.  Any percentage rate changes are subject to the following limitations: during the term of this Account the 
maximum interest rate is the lesser of 21%, or the maximum annual percentage rate allowed by applicable law. 

Fees and Charges 

Late  Charge:  You  will  pay  a  $18.50  late  charge  if  we  do  not  receive  your  Minimum  Monthly  Payment  within  10  days  after  the 
Payment  Due  Date  shown  on  your  billing  statement.  This  fee may  change  pursuant  to  Indiana  Code  24-4.5-1-106  and  24-4.5-3-
203.5. For Michigan residents the fee is the greater of $15.00 or 5% of the minimum payment. 

Returned  Check  Charge: We may  charge  you  $25.00,  each  time  your  payment, check,  draft,  or similar  item  is  returned  for  any 
reason, by your bank or financial institution for nonpayment. 

Convenience Fees: At your request, we may pass along convenience charges, such as; expedited mailing of your credit card or 
balance transfer checks up to $26.00  

Stop payment fees: We may charge you $18.00 for a stop payment placed on a balance transfer check initiated by you,  or a stop 
payment on a convenience check written by you. 

Credit Insurance – Payment Protection Plan 

Credit  Insurance  -  Payment  Protection  Plan.    Payment  Protection  plans  from  Central  States  Indemnity  Co  of  Omaha.  Open 
enrollment for this product is marketed to you upon the opening of your account and again every April and October. 

For more information, Central States Indemnity can be reached at P.O. Box 34888, Omaha NE 68134 or 1-800-445-6500 

Other Terms and Conditions: 

You may be eligible to add your TCU Visa® Platinum Credit Card to Apple Pay™. 
Apple Pay™ allows you to conveniently make purchases with your device wherever Visa® contactless payments are accepted. 
Please Note: In your Apple Pay™ account, you will see a unique device account number listed under your TCU Visa®.  This number 
improves security because it’s only used with your device.  Use this number whenever an Apple Pay™ merchant asks for the last 4 
digits of your card number. Pay with Apple Pay™ at participating merchants displaying the Apple® or Apple Pay™ symbols. 
Additionally, Apple Pay™ can be used with participating merchants displaying the Apple Pay™ button when you’re shopping with an 
app. 
Apple Pay™ purchases you make with this card will be marked as “AplPay” on your statements. 
Please note that you may need to accept additional terms and conditions before accepting and using Apple Pay™. 

The storage and usage of your TCU Visa® Platinum card or TCU Platinum Rewards card information (credentials corresponding to 
your TCU Visa® Platinum card or TCU Platinum Rewards card account number) in this digital wallet are subject to the TCU Visa® 
Platinum  card  or  TCU  Visa®  Platinum  Rewards  card  Terms  and  Conditions,  as  amended  from  time  to  time.   Please  contact 
Teachers Credit Union Member Call Center at 1-800-552-4745 for additional information. 

Rewards Program. You may  earn  a  1.5%  Rebate  (“Rewards”)  on  your  Net  Purchase  Transactions, which  is the  amount  of  your 
Purchase  transactions  for  goods or  services, less  any  purchase  refunds.    Rewards  are  not  earned on  Cash  Advance  or  Balance 
Transfer transactions. The accrued Rewards will be shown on your monthly billing statement and the Rewards will be credited to 
your Account, annually, in October.  Rewards may not be redeemed for cash or services and we may revoke your Rewards, at any 
time, if you exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account.  We reserve the 
right to amend this Rewards Program, at any time, upon notice. 

 
 
 
 
 
 
 
  
 
 
Commissions. You understand and agree that we (or our affiliate) will earn commissions or fees on any insurance products and 
may earn such fees on other services that you buy through us or our affiliate. 

Security.  Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan you 
may  have  with  us  will  secure  all  amounts  you  owe  us  now  and  in  the  future  if  that  status  is  reflected  in  the  “Truth-in-Lending 
Disclosure.  

Signature Requirement: You agree to sign the back of your credit card as soon as you receive it. 

Change  of  Personal  Information:  You  agree  to  notify  us  in  writing  immediately  if  you  change  your  name,  home,  or  mailing 
address, or daytime telephone number. 

Credit  Information:  You  agree  that  we  may  re-examine  and  re-evaluate  your  creditworthiness  at  any  time.  You  authorize  us  to 
obtain  from  time  to  time  information  from  others,  such  as  stores  and  credit  reporting  agencies,  concerning  you  and  your  credit 
accounts. You also authorize us to respond from time to time to requests from others for credit or experience information about you 
and your Account. 

Lost or Stolen Card or Unauthorized Use: You agree to notify us immediately if any card issued on your Account is ever lost or 
stolen or used in a manner not authorized by you. You can notify us by calling the phone number on your billing statement. You also 
agree to assist us in determining the facts and circumstances relating to any such unauthorized uses. 

Liability for Unauthorized Use: You may be liable for the unauthorized use of any of your credit cards. You will not be liable for 
unauthorized  use  that  occurs  after  you  notify  us  that  any  of  your  cards  have  been  lost  or  stolen,  or  are  being  used  without  your 
authorization. In the case of unauthorized use occurring before you notify us, you may be liable for up to $50. 

Age Requirement:  You must be 18 years of age to apply; applicants between the ages of 18 and 21 must have the independent 
ability to make the required Minimum Monthly Payment, as described above; or has a signed agreement, by a cosigner, guarantor, 
or joint applicant, who is at least 21 years old, to be either secondarily liable for the amounts due on this credit card account, and we 
have determined that such cosigner, guarantor, or joint applicant has the independent ability to make the required Minimum Monthly 
Payments.” 

Joint and Several Liability: Each person who signed your Credit Card Application and each person who uses your Account will be 
individually liable for all credit extended on the Account. All such persons will be liable as a group as well. This means that we can 
collect from or sue any one of them without giving up any of our rights against the others. Upon receiving a request from any party to 
your Account or receiving inconsistent instructions from different parties to your Account, we, at our sole option and without notice to 
any other party, may cancel your Account or refuse any request with respect to your Account, including a request for credit. 

Default: If you fail to comply with any of the terms or conditions of this Agreement or any other loan agreement you have with us or 
anyone  else,  you  will  be  in  default. We  will  consider  you  to  be  in  default  upon  your  death,  insolvency,  or  if  you  file  a  bankruptcy 
petition or have one filed against you, or if we believe in good faith that you may not be able to perform your obligations under this 
Agreement. 

Our Rights Upon Your Default: If you are in default, we may at our option to the extent permitted by law do any of the following, 
without notice: 

  We may terminate the credit card account and make all or any part of the amount owing by the terms of this Agreement 

immediately due. 

  We may temporarily or permanently prohibit any additional advances on the Account. 
  We may temporarily reduce the Credit Limit. 
  We may make a claim for any and all insurance benefits or refunds that may be available on your default. 
  We may use any and all remedies we have under applicable law or any agreement securing this Agreement. 

Except as otherwise required by law, by choosing a remedy we do not give up our right to use another remedy.  We do not waive a 
default if we choose not to use a remedy.  By electing not to use any remedy, we do not waive our right to later consider the event a 
default and to use any remedies if the default continues or occurs again. 

Collection Costs. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, you 
agree  to  pay  all  court  costs,  private  process  serve  fees,  investigation  fees  or  other  costs  incurred  in  collection  and  reasonable 
attorneys’ fees incurred in the course of collecting any amounts owed under this Agreement.  

Closure  of  Account:  Even  if  you  are  not  in  default,  we  may  close  your  Account  or  suspend  your  credit  privileges  at  any  time 
without prior notice. If your Account is closed, you are obligated to pay the outstanding balance, any interest (finance) charges, and 
all other charges, fees, and costs that are or become due on your Account. You must also return your credit card to us if asked to do 
so. 

Change of Terms: We may change the terms of this Agreement by mailing or delivering to you written notice of the changes as 
prescribed by the Federal Truth-in-Lending Act.  To the extent permitted by law, the right to change the terms of this Agreement 
includes, but is not limited to, the right to change the periodic rate. We may also add new terms, conditions, services, or features to 
your Account. To the extent required by law, we will notify you in advance of any change in terms by mailing a notice to you at your 
address as shown on our records. 

Merchants and Your Card: We are not responsible or liable for anyone's refusal to honor your card or for anyone's retention of 
your card. 

Payments Marked "Paid in Full": We may accept checks, money orders, or other types of payment marked "payment in full" or 
using other language to indicate full satisfaction of indebtedness, without our being bound by such language or waiving any rights 
under this Agreement. Full satisfaction of indebtedness shall be accepted by us only in a written agreement, signed by one of our 
authorized employees. 

Foreign Currency Transaction: You agree that we may convert any charge or credit made to your Account in currency other than 
U.S. dollars into U.S. dollars following our own procedures for determining the exchange rate, and charge or credit your Account for 
the U.S. dollar amount. The amount determined by following our own procedures may be the same as, greater than, or less than the 
amount that would be calculated by conversion on the date when the transaction was actually initiated. 

Illegal Transactions: You warrant and agree that the Credit Card, other access device or any related account will not be used to 
make  or  facilitate  any  illegal  transactions(s)  as  determined  by  applicable  law:  and  that  any  such  use,  including  any  such 
unauthorized  use,  will  constitute  an  event  of  default  under  this  Agreement.    We  may  decline  to  accept,  process  or  pay  any 
transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us) under applicable law, including but not 
limited  to  any  transaction  involving  or  relating  to  any  gambling  activity.    Certain  federal  and  or  state  laws  such  as  the  Unlawful 
Internet Gambling Enforcement Act or Third Party Service Providers’ Rules may limit or prohibit certain transactions such as (but not 
limited  to)  those  coded  as  possible  gambling  transactions.    Such  prohibition  or  limitations  may  affect  some  otherwise  proper  or 
allowable  transactions such  as  debits, charges  or  other  transactions  at  or  relating  to  a  hotel-casino.   You  further  understand  and 
agree that such limitations are not in our control and we will have no liability for the enforcement of this provision.   

ATM Transactions. Withdrawals at ATM machines may be made using your Credit Card and personal identification number.  Cash 
withdrawals may not exceed $500.00 per calendar day.  Except as otherwise provided in this Agreement, advances through ATM 
access will be treated as a Cash Advance.  Owners of ATMs that we do not own may charge fees in addition to any fees described 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
in this Agreement.  This is not a fee charged by Teachers Credit Union; however, any such fee will be added to your Account.  The 
party charging the fee is required to provide appropriate disclosures to you with regard to any such fees. 

Waivers: We may waive or decline to enforce any of our rights under this Agreement without affecting any of our other rights. To the 
extent not prohibited by law and except for any required notice of right to cure for the failure to make a payment, you waive protest, 
presentment for payment, demand, notice of acceleration, notice of intent to accelerate and notice of dishonor. 

Termination.    Either  you  or  we  may,  unless  prohibited  by  law,  terminate  this  Account  at  any  time by  giving  written  notice  to  the 
other.    Termination  by  any  one  of  you  terminates  the  Account  for  all  of  you.  Termination  will  not  affect  your  obligation  to  repay 
advances made prior to the termination, in accordance with the terms of this Agreement. 

Financial Reports and Additional Documents.  You will provide facts to update information contained in your original Credit Card 
Application  or  other  information  related  to  you,  at  our  request.    You  also  agree  that  we  may,  from  time  to  time,  as  we  deem 
necessary, make inquires pertaining to your employment, credit standing and financial  responsibility in accordance with applicable 
laws and regulations.  

Governing  Law:  This  Agreement  and  your  Account,  as  well  as  our  rights  and  duties  and  your  rights  and  duties  regarding  this 
Agreement and your Account, will be governed by and interpreted in accordance with federal law to the fullest extent possible and to 
the  extent  federal  law  does  not  apply,  in  accordance  with  Indiana  law,  regardless  of  where  you  live  and  use  your  Account.  This 
Agreement is made in Indiana. All credit will be extended from Indiana. 

Severability: Should any provision of this Credit Card Agreement be determined to be invalid or unenforceable, that determination 
will not affect the validity or enforceability of any other provision. 

Liability for Unauthorized Use.  If you notice the loss or theft of your credit card or a possible unauthorized use of your 
card, you should write to us immediately at: Teachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-
3112, or call us at 877-271-8328. 

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: 
Customer Service, P. O. Box 31112, Tampa, FL 33631 

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 (finance charges) 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 (finance charges) 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 (finance 
charges) 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: 
Teachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-3112 

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. 

This Disclosure Current as of April 1, 2016. TCU Form # PR04012016