Visa® Credit Card Agreement and Disclosure 

SPECIAL TERMS APPLICABLE TO CREDIT CARD TRANSACTIONS 

THE TERMS “CARD” OR “CARDS” WHERE CONTAINED IN THIS SECTION SHALL REFER TO YOUR VISA CARD AND ANY REPLACEMENT OR RENEWAL 
THEREOF.  “ACCOUNT” SHALL BE DEFINED IN THIS SECTION AS YOUR CREDIT CARD ACCOUNT(S).  THE TERM “AGREEMENT “AS USED IN THIS 
SECTION SHALL REFER TO THE TERMS CONTAINED IN THIS DOCUMENT. 

RESPONSIBILITY:  By signing or using your card (See USING THE CARD section), you agree to all terms and conditions that follow. You agree to repay all debts 
and FINANCE CHARGES arising from the use of your card.  You are responsible for all charges incurred by you, your spouse, minor children and any other party 
or parties to whom you give the card, and this responsibility continues until the card is recovered.  You cannot disclaim responsibility by notifying us, although we 
will close the account to new transactions, if you so request and return all cards to us.  Your obligation to pay the account balance and all other accrued costs 
continues even though an agreement, divorce decree or other court judgment to which we are not a party may direct some other party to pay the account.  Any 
person using the card is jointly responsible with you for charges he or she makes, but if that person signs the card he or she becomes a party to this Agreement, 
and is also responsible for all charges on the account, including yours. 

FINANCE CHARGES, CREDIT CARD CASH ADVANCES (Includes Convenience Checks and Balance Transfers): A FINANCE CHARGE will be imposed on 
all Cash Advances that you receive through the use of your card during the current billing cycle from the date of each such Cash Advance or from the first day of 
the billing cycle in which the Cash Advance is posted to the account, whichever is later, and will continue to accrue until paid if paid during the same billing cycle as 
made, or if not paid in full during the same billing cycle as made, the FINANCE CHARGE will continue to accrue on the unpaid balance until the closing date of the 
billing cycle preceding the date on which the entire new Balance is paid in full or until the date of payment if more than 28 days from the statement closing date.  If 
the New Balance indicated on your statement for the prior monthly period is paid in full within 28 days of the closing date, no FINANCE CHARGE will be imposed 
during the current billing cycle for the Cash Advances made during the previous billing cycle. 

Finance Charges for Cash Advances are calculated using the “Average Daily Balance Method (Including Current Transactions)”.  Average daily balances of Cash 
Advances are computed by applying the monthly periodic rate to the average daily outstanding unpaid principal balance of Cash Advances. To get the “average 
daily balance”, we take the beginning Cash Advance balance, add any new Cash Advances, and subtract any unpaid interest or other finance charges and any 
payments or credits.  This gives us the daily balance.  Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the 
billing cycle.  This gives us the “average daily balance.”    

FINANCE CHARGES, CREDIT CARD PURCHASES: A FINANCE CHARGE will be imposed on Credit Purchases of goods and services that you obtain through 
the use of your card only if you elect not to pay the entire New Balance shown on your previous monthly statement within 28 days from the closing date of the 
statement.  If you elect not to pay the entire New Balance shown on your previous monthly statement within 28 days from the closing date of the statement, a 
FINANCE CHARGE will be imposed on the unpaid balance of Credit Purchases from the statement closing date and on Credit Purchases made during the current 
billing cycle from the date of posting each such Credit Purchase to the account and will continue to accrue until the closing date of the billing cycle preceding the 
date on which the entire New Balance is paid in full or until the date of payment if more than 28 days from the closing date. 

Finance Charges for Credit Purchases are calculated using the “Average Daily Balance Method (Including Current Transactions)”.  Average daily balances of 
Credit Purchases are computed by applying the monthly periodic rate to the average daily outstanding unpaid principal balance of Credit Purchases. To get the 
“average daily balance”, we take the beginning Credit Purchase balance, add any new Credit Purchases, and subtract any unpaid interest or other finance charges 
and any payments or credits.  This gives us the daily balance.  Then, we add up all the daily balances for the billing cycle and divide the total by the number of 
days in the billing cycle.  This gives us the “average daily balance.”    

CREDIT LIMIT:  You will be notified by us of your credit card limit upon approval.  This credit limit is self-replenishing.  You agree not to exceed your specified 
credit limit at any time.  You may request an increase in your credit limit at any time.   

USING THE CARD:  You may use any of the following methods to make a purchase or cash advance: a) You may present the card to a participating merchant, to 
us or to another financial institution, and sign the sales slip or cash advance draft which will be imprinted with your card: or b) You may complete a transaction by 
using your Personal Identification Number (PIN) in conjunction with your card at an Automated Teller Machine (ATM) or other type of electronic terminal which 
provides access to the credit card system; or c) You may give your card number verbally or in writing to a merchant to complete mail or telephone transactions; or 
d) You may use any pre-printed Convenience Checks that we may issue to you.  Your periodic statement will identify the merchant, electronic terminal or financial 
institution, at which the transactions were made, but sale, cash advance, credit or other slips cannot be returned with the statement.  You will retain your copy of 
such slips furnished at the time of the transactions in order to verify the statement. 

VARIABLE RATE:  The ANNUAL PERCENTAGE RATE (interest rate) for credit cards is calculated by adding the Prime Rate as published the last business day 
of the previous month in the Wall Street Journal PLUS the designated MARGIN or “spread” in effect at the time of your loan.  Your ANNUAL PERCENTAGE RATE 
(interest rate) may increase or decrease if there is a similar increase or decrease in the Prime Rate.  Your ANNUAL PERCENTAGE RATE (interest rate) may also 
increase or decrease based on a similar increase or decrease in the designated MARGIN, but not before giving advanced notice as required by law.   The variable 
rate for credit card accounts may be changed on the 1st day of each month.  The actual rate assigned to your account will be based on your FICO or similar score 
obtained at the time of application and biennial review.  Your account is reviewed every two years for a possible rate adjustment. There is no limit on the percent 
by which the rate can change in any one year period. 

MONTHLY PAYMENT:  Each month you will receive a statement from us showing your Previous Balance of Credit Purchases and Cash Advances, the current 
transactions on your account, the unused portion of your credit limit available to you, the FINANCE CHARGE due, the total New Balance and the minimum 
payment required.  You agree to pay at least the minimum payment due upon receipt of the statement.  You may pay more frequently, pay more than the minimum 

 
 
 
 
 
 
 
 
 
 
 
 
payment or pay the entire balance due without penalty.  The minimum payment will be 3.0% of your total new balance or $10.00, whichever is greater, or your total 
New Balance if it is less than $10.00, plus any portion of the minimum payment(s) remaining unpaid from previous statements.  If your total new balance exceeds 
your credit limit at any time, you must immediately pay the excess amount in addition to the regularly scheduled payment.  Payments will be applied first to late 
charges, then to FINANCE CHARGE due on Credit Purchases and Cash Advances, then to the outstanding principal balance of Cash Advances and Credit 
Purchases previously billed, then to current Cash Advances and Credit Purchases.  If two or more transactions are posted on the same day, your payment will be 
applied first to the smaller of them.  Payments are subject to posting delays of up to five (5) business days if received at any address other than the address 
designated in the monthly statement for mailing purposes. 

CHARGES MADE IN FOREIGN CURRENCY:  If you incur a charge in a foreign currency, the currency will be converted by Visa International into a United States 
Dollar amount.  Visa International will use the procedures set forth in its Operating Regulations in effect at the time that the transaction is processed.  Currently, 
those regulations provide that the currency conversion rate to be used is a rate selected by Visa from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date, in each instance, plus or minus any adjustment determined by the Issuer. 

CHANGE IN TERMS:  This agreement is subject to change pre-disclosed by us.  We may change any of the terms and conditions of this Agreement, including the 
ANNUAL FINANCE CHARGE imposed on your balance, at any time with proper advance notice to the extent the law allows. 

CREDITS:  If merchants who honor your card give you credit for returns or adjustments, they will do so by sending us a credit slip which we will post to your 
account.  If your credits and payments exceed what you owe, we will hold and apply this credit balance against future purchases and cash advances, or refund it if 
it is for $1.00 or more at your written request, or automatically after six (6) months. 

SECURITY INTEREST: You grant us a contractual pledge of all shares and deposits and earnings on all shares and deposits you have with us now or in the 
future.  You understand that the endorsement in the application for Credit signed by you contains verbiage by which you specifically grant us this security interest 
in your asset accounts with us.  Collateral securing other loans with us may also secure this loan, except for your principal dwelling and household goods. 

PLAN MERCHANT DISPUTES:  We are not responsible for the refusal of any plan merchant or financial institution to honor your card.  We are subject to the 
claims and defenses (other than tort claims) arising out of goods and services you purchase with the card only if you have made a good faith attempt but have 
been unable to obtain satisfaction from the plan merchant.  You are responsible for the first $50.00 of any transaction made using your PIN at an Automatic Teller 
Machine or other cash dispensing device.  Any other disputes you must resolve directly with the plan merchant. These limitations do not apply if we own or operate 
the merchant or mailed you an advertisement for the property or services. 

AMENDMENTS:  We may change any part of this Agreement at any time; as long as we give you advance written notice as required by law.  Any change in terms 
will apply to your outstanding balance existing as of the effective date, to the extent the law allows, as well as to all charges made after that date. 

CHANGE OF ADDRESS:  You will advise us promptly if you change your mailing address. All written notices and statements from us to you will be considered 
given when placed in the United States mail, postage prepaid, and addressed to you at your current address as it appears on our records. 

CANCELLATION/TERMINATION:  You can cancel your Account at any time by returning you your card, along with a letter requesting that we cancel your 
Account.  We may terminate this Agreement at any time and demand the immediate surrender of all cards issued on this account.  However, your obligation under 
this Agreement and any charges made under it prior to cancellation/termination will continue to apply until you have paid us all of the money you owe on the 
Account.   Your cards may be retained or destroyed by a merchant or electronic terminal upon use of the card after we have terminated your account.   

DEFAULT:  You will be in default if you fail to make any minimum payment on the Payment Due Date shown on your monthly statement.  You will also be in 
default if your ability to repay us is materially reduced by an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your 
failure to abide by this Agreement, if you exceed your stated credit limit and fail to pay the excess with the next payment, or if the value of your security interest 
materially declines, or if you are in default under any other Agreement you have with us.  We would, at that time, have the right to demand payment on your entire 
account balance, subject to us providing you with any legally required notice.  You will also be liable for all costs of collections. 

EFFECT OF AGREEMENT:  This agreement applies to all transactions on your credit card account, even though the sales, cash advance, credit or other slips you 
sign contain different terms.  We may modify this Agreement from time to time with written advance notice, and your continued use of the card after receiving 
notice of any change in terms certifies your acceptance to the new terms.  To the extent the law permits, and we indicate in our notice, changes in terms will apply 
to your existing account balance as well as to future transactions. 

LOST CARD NOTIFICATION/LIABILITY DISCLOSURE:  You will notify us AT ONCE if you believe that your credit card has been lost or stolen at (520) 795-8520 
or after hours at (800) 472-3272.  Telephoning is the best way of keeping your possible losses down.  You understand that your total liability to us shall not exceed 
$50.00 for any card transactions resulting from the loss, theft or other unauthorized use of the card that occurs prior to the time you gave notice to us.  Such 
liability does not apply when the card is used to make an electronic transfer.   

LOST CONVENIENCE CHECK NOTIFICATION: If you believe that any convenience checks issued to you have been lost or stolen, you will call (520) 795-8520 
during business hours and request a stop payment be placed on the checks.  If checks you have reported as lost are subsequently found, you agree not to use 
those checks and will destroy them.    

INACTIVE CARDS: Any credit card or credit line that has not had any member initiated transactions within twelve months will be subject to closure. 

FEES RELATED TO YOUR CREDIT CARD ACCOUNT: 

ARBITRATION FEE:  If you request that an unresolved dispute with a Plan Merchant, be referred to Visa for Arbitration, you will be charged a fee up to $500.00. 

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
LATE PAYMENT FEE:  If your payment is 10 or more days delinquent, you will be charged a monthly late fee of up to 20.00% of interest accrued since the date of 
the previous payment, with a $10.00 minimum. 

LOST OR DAMAGED CREDIT CARD REPLACEMENT FEE:  If your Card is damaged or lost, you may be charged $5.00 for each replacement card. 

RUSH FEE:  If you request a rush delivery of your Card, you may be charged $55.00. 

NON-TFCU ATM FEE:  If you use your Card at an ATM not belonging to us, you will be charged $2.00 for each transaction, in addition to any fees the ATM owner 
may charge you.   

FEES FOR DOCUMENTS:  If you request a copy of a charge slip or other document not in connection with a billing error, you will be charged $5.00 per copy. 

RETURNED PAYMENT CHECK FEE:  If you make a payment by check, and the check is returned unpaid for any reason, you will be charged up to $32.00 per 
occurrence. 

CONVENIENCE CHECK NSF FEE: If you write a convenience check and your available credit limit is insufficient to cover the amount of the check, you will be 
charged up to $32.00 per occurrence. 

STOP PAYMENT FEE:  If you wish to place a stop payment on a convenience check that you have written, you will be charged up to $30.00 per occurrence. 

FOREIGN TRANSACTION FEES: 
Visa® Fee for Foreign Transactions (no currency conversion) (VI) up to .8% of transaction  
Visa® Fee for Foreign Transactions (multiple currency conversions) (VI) up to 1% of transaction  

YOUR BILLING RIGHTS.  KEEP THIS NOTICE FOR FUTURE USE. 

This notice tells you about your rights and responsibilities under the Fair credit Billing Act. 

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT 

If you think your bill or statement is wrong, or if you need more information about a transaction on your bill or statement, you will write to us on a separate sheet at: 

Tucson Federal Credit Union 
P.O. Box 42435 
Tucson, AZ 85733 

You will write to us as soon as possible. In your letter, you will give us the following information: 

- Your name and account number. 
- The dollar amount of the suspected error. 
- A description of the error and an explanation of why you believe there is an error, as best you can.  If you need more information, you will describe the item you 
are not sure about. 

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 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 any amount you question, or report you as delinquent.   
- 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 DISSATSIFIED 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 purchases.  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. 
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, you will contact us in writing at the address on your bill.  While we investigate, the 
same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell you of our decision.  At that point, if we think you owe 
an amount and you do not pay, we may report you as delinquent. 

Revised February 21, 2013