Credit Card Agreement 

BAXTER CREDIT UNON 
340 North Milwaukee Avenue 
Vernon Hills, IL  60061 

VISA PLATINUM/SECURED GOLD MASTERCARD 
GOLD MASTERCARD/STANDARD MASTERCARD 
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/MasterCard credit card and any duplicates, renewals, or substitutions the Credit Union issues to 
you; "account" means your Visa/MasterCard 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. 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 (transaction date). 
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 calculate 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. We then add all of 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 calculate 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. We then add all of 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. 
The member’s APR may be reviewed and change every year based on credit history. We will notify you of a rate change 
in accordance with applicable law. 

6.CURRENCY CONVERSION AND INTERNATIONAL TRANSACTIONS —  

VISA.  When you use your Visa card at a merchant that settles in currency other than U.S. dollars, the charge will be 
converted into the U.S. dollar amount.  The currency conversion rate used to determine the transaction amount in U.S. 
dollars is either 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. Visa USA charges us a 0.80% International Service Assessment on all 
international transactions, regardless of whether there is a currency conversion.  If there is a currency conversion, the 
International Service Assessment is 1.00% of the transaction.  As a result, we charge you a 1.00% International 
Transaction Fee on all international transactions regardless of whether there is a currency conversion.  An International 
Transaction is a transaction where the country of the merchant is outside the United States. 

MASTERCARD.  The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-
mandated exchange rate or a wholesale exchange rate and is selected by MasterCard.  The rate MasterCard uses for a 
particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed.  
This rate may differ from the rate MasterCard receives and the rate applicable on the date the transaction occurred or was 
posted to your account. 
MasterCard USA charges us a 0.80% International Service Assessment on all international transactions, regardless of 
whether there is a currency conversion.  If there is a currency conversion, the International Service Assessment is 1.00% 
of the transaction.  As a result, we charge you a 1.00% International Transaction Fee on all international transactions 
regardless  
of whether there is a currency conversion.  An International Transaction is a transaction where the country of the 
merchant is outside the United States. 

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.Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be 
added to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.  

b.Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a 
fee may be added to your account for transactions made outside of the United States or in a foreign currency. 
Transactions made in a foreign currency using a Visa/MasterCard branded card or processed by a network operated or 
affiliated with  
Visa/MasterCard will be subject to a fee as set forth on the Disclosure accompanying this Agreement.  

c.Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added 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. 

d.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. 

e.Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be added to your account 
when a payment is returned to you for any reason. 

 
 
 
 
 
 
 
 
 
 
f.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 added to your account for 
each copy of a sales draft or statement that you request. 

g.Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added 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. 

h.Collection Costs.  You promise to pay, subject to applicable law, all costs of collecting what you owe under this 
Agreement and all costs including court costs, collection agency fees and reasonable attorney’s fees. We may enter into a 
contingent or hourly fee arrangement with an attorney or collection agency and you agree that such an Agreement is 
reasonable. This provision also applies to bankruptcy, appeals or post judgment proceedings. 

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 2% or 2.5% (based on your 
credit score) of your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum 
payments that you have not made, and any amount you are  
over.  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. 

 
 
 
 
 
 
 
12.LIABILITY/NOTIFICATION INFORMATION FOR REPORTING LOST, STOLEN AND UNAUTHORIZED USE 
OF CARD — 
VISA. You agree to notify us immediately, orally or in writing, at 340 N. Milwaukee Ave., Vernon Hills, IL 60061 or 
telephone (800) 449-7728 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit 
card.  You may be liable for the unauthorized use of your credit card. Notify us immediately, in writing or by telephone 
at the address or phone number on the Disclosure included with this Agreement, if your card is lost, stolen or you suspect 
there has been unauthorized use of your card or account. After we receive your notification, you will not be liable for any 
further unauthorized use of your card or account. 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. 
MASTERCARD. You agree to notify us immediately, orally or in writing, at 340 N. Milwaukee Ave., Vernon Hills, IL 
60061 or telephone (800) 449-7728 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your 
credit card.  You may be liable for the unauthorized use of your credit card. Notify us immediately, in writing or by 
telephone at the address or phone number on the Disclosure included with this Agreement, if your card is lost, stolen or 
you suspect there has been unauthorized use of your card or account. After we receive your notification, you will not be 
liable for any further unauthorized use of your card or account. However, if you exercise reasonable care in safeguarding 
your card from  
risk of loss or theft, if you have not reported two (2) or more incidents of unauthorized use in the last 12 months, and if 
your account is in good standing, you will not be liable for any unauthorized purchase transactions. 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.INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of 
electronic gambling transaction through the Internet. 

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: 

Baxter Credit Union 
340 N. Milwaukee Ave. 
Vernon Hills, IL 60061 

In your letter, give us the following information: 

-Account information: Your name and account number. 
-Dollar amount: The dollar amount of the suspected error. 
-Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why 

you believe it is a mistake. 

You must contact us: 

-Within 60 days after the error appeared on your statement. 
-At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount 

you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.Within 30 days of receiving your letter, we must tell you that we received your letter.  
We will also tell you if we have already corrected the error. 
2.Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the 

bill is correct.  

While we investigate whether or not there has been an error: 

-We cannot try to collect the amount in question, or report you as delinquent on that amount. 
-The charge in question may remain on your statement, and we may continue to charge you interest on that 

amount. 

-While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
-We can apply any unpaid amount against your credit limit.  

After we finish our investigation, one of two things will happen: 

-If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

-If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 

interest and fees.  

We will send you a statement of the amount you owe and the date payment is due.  
We may then report you as delinquent if you do not pay the amount we think you owe.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you 
still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your 
bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations 
know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your 
bill is correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase. 

To use this right, all of the following must be true: 

1.The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify. 

3.You must not yet have fully paid for the purchase. 

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

Baxter Credit Union 
340 N. Milwaukee Ave. 
Vernon Hills, IL 60061 

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.