M-121773 (01/20) 

VISA GOLD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT 

TINKER FEDERAL CREDIT UNION – VISA GOLD  

Interest Rates and Interest Charges 
ANNUAL PERCENTAGE 
RATE (APR) for 
Purchases 

3.99% introductory rate on purchases for 6 months from date of account opening; thereafter, the 
APR is set by your credit rating at the time of account opening.* 

APR for Balance 
Transfers 

Rate 1 –   10.00%   Rate 2 –   11.00%   Rate 3 –   12.00%  Rate 4 –   14.00%    
Rate 5 –   16.00%    
The APR will vary with the market based on the Prime Rate.   
Rate 1 –  10.00%   Rate 2 –  11.00%   Rate 3 –  12.00%   Rate 4 –  14.00%   Rate 5 –  16.00% 

Balance transfer APR: The current program APR which will be set by your credit rating at the time of 
account opening.* The APR will vary with the market based on the Prime Rate.    

APR for Cash Advances 

Rate 1 –  10.00%   Rate 2 –  11.00%   Rate 3 –  12.00%   Rate 4 –  14.00%   Rate 5 –  16.00% 

Paying Interest 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 
Set-Up and Maintenance 
Fees 
● Annual Fee 
Transaction Fees 
● Balance Transfer Fee 
● Cash Advance Fee 
● Foreign Transaction 

Penalty Fees 
● Late Payment 

● Return Check Fee 

Other Fees 
● Statement Copy 

● Ticket Copy 

Cash advance APR: The current program APR which will be set by your credit rating at the time of 
account opening.* The APR will vary with the market based on the Prime Rate.   

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month.  We will begin 
charging interest on cash advances and balance transfers on the transaction date. 
To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

None 

None 
None 
1% of each transaction in U.S. dollars. 

Up to $22 - If your minimum monthly payment is not received by us on the due date on your monthly 
statement, we may impose a late fee of up to $22 which will be reflected on the following monthly 
statement.  

Up to $20 - The Credit Union may charge a return check fee for each return by a bank or other 
depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by 
cardholder(s) as payment on the credit card account. 

$2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing 
statement(s). 

The Credit Union may charge for each duplicate copy of requested sales slip(s).  However, if the 
request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see 
“YOUR BILLING RIGHTS”), a fee will not be imposed. 
$25  - Travel and Entertainment documents 
$6  -   Original sales slip on valid charges 
$5  -   Photocopy of sales slip on valid charges 

● Card Replacement Fee 

$13 - the Credit Union may charge for each credit card that is reissued prior to the current cards 
expiration date. 

How We Will Calculate Your Balance:  We use a method called “Average Daily Balance (including new purchases).”  See the 
INTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder 
agreement under the YOUR BILLING RIGHTS section. 

*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700-739) Rate 3 (660-699) Rate 4 (625-659) Rate 5 (0 to 624) 
Your account must be open to receive a Year-End Purchase Summary and to use other program benefits. 

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DEFINITIONS 
Except  as  the  context  otherwise  requires  (a)  “Account(s)” 
means  my  Visa  Gold  credit  card  account  established  with 
Tinker Federal Credit Union and governed by this Agreement; 
(b) “Issuer” and/or “Credit Union” means Tinker Federal Credit 
Union of P.O. Box 45750, Tinker Air Force Base, Oklahoma 
73145;  (c)  “I,”  “Me,”  “We,”  “My,”  “Our,”  “Mine,”  “Us,” 
“You,”  “Your,”  and    “Cardholder(s)”  mean  all  persons  who 
have  signed  the  application  for  the  Visa  Gold  and/or  used  or 
permitted  others  to  use  the  card;  (d)  the  “Card”  or  “Cards” 
means  the  Visa  Gold  card(s);  (e)  “Agreement”  means  this 
document;  (f)  “Cash  Advance”  means  all  cash  advances 
obtained  at  any  time  through  the  use  of  the  card  from  any 
financial institution authorized to honor the cards; (g) “Credit 
Limit” means the dollar amount Credit Union approved against 
which  I  may  borrow  in  accordance  with  this  Agreement;  (h) 
“Application” means the credit application I/We filled out and 
signed  which  is  incorporated  herein  and  made  a  part  of  this 
Agreement; (I) “Prime Rate” means the rate published daily in 
The  Wall  Street  Journal    under  the  caption  “Money  Rates” 
and described as the base rate on corporate loans at large United 
States money center commercial banks.  If the “Prime Rate” so 
published is a range, the “Prime Rate” will mean the highest of 
the published range.  

AGREEMENT TO EXTEND CREDIT 
Credit Union agrees to extend credit to cardholder and advance 
amounts, up to the cardholder’s credit limit, to pay for: (i) all 
purchases  of  goods  and  services  of  whatever  type  and  nature 
made  at  any  time  through  the  use  of  the  card  at  businesses 
authorized to honor a card, and (ii) all cash advances obtained 
at  any  time  through  the  use  of  the  card  from  any  financial 
institution or ATM authorized to honor a card.   

PROMISE TO PAY AND PERSONS LIABLE 
By signing the application, retaining, and/or using the card(s) 
or allowing an authorized party to use the card(s), I/We promise 
to pay to Credit Union, or anyone Credit Union designates, all 
amounts  loaned  under  the  Agreement  plus  the  applicable 
interest charges, attorney’s fees, court cases or other amounts 
that I/We owe Credit Union.  If  more than one person applies 
for the card(s), each person will be issued a Card and will be a 
cardholder under this Agreement.  The cardholder whose name 
appears first on the application will be considered the “Primary 
Cardholder.”    The  cardholder  will  be  responsible  for  all 
purchases,  cash  advances,  and  all  interest  charges  imposed 
under this Agreement.  If there is more than one cardholder for 
the  account,  each  cardholder  will  be  liable  for  all  amount 
payable  on  the  account  regardless  of  which  cardholder  is 
responsible for incurring such amounts.  Each cardholder will 
also be responsible for complying with all of the other terms of 
this Agreement. 

CREDIT LIMIT 
The Credit Union has established an initial credit limit for the 
cardholder’s  account(s)  and  reserves  the  right  at  any  time,  at 
cardholder’s  request  or  otherwise,  to  change  the  amount  of 
credit  available  through  cardholder’s  Visa  Gold  account(s). 
Cardholder  agrees  not  to  incur  charges  or  to permit  others  to 
incur  charges,  that  would  result  in  credit  in  excess  of 
cardholder’s  authorized  amount.    The  Credit  Union  does  not 
allow over-the-limit charges  as a term of this product.  If the 
credit  limit  should  be  exceeded,  for  any  reason,  even 

inadvertently, cardholder agrees to pay the amount over limit 
immediately  upon  notice  from  Credit  Union.    Examples  of 
inadvertent excess of credit limit include, but are not limited to, 
returned payments and merchant authorizations. 

INTEREST CHARGE CALCULATION METHODS 
The  interest  charge  calculation  method  applicable  to  your 
account  for cash advances and credit purchases of  goods and 
services  that  you  obtain  through  the  use  of  your  card  is 
explained below.  Calculation Method A is used to determine 
the interest charge on cash advances. Calculation Method G is 
used to determine the interest charge on purchases of goods or 
services.   

Method  A—The  interest  charge  on  cash  advances  begins  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 charges for a billing cycle are 
computed  by  applying  the  daily  periodic  rate  to  the  average 
daily balance  multiplied by the  number of days in  the  billing 
cycle OR the monthly periodic rate to the average daily balance 
during  the  billing  cycle,  which  is  determined  by  dividing  the 
sum of the daily balances during the billing cycle by the number 
of  days  in  the  cycle.    Each  daily  balance  is  determined  by 
adding to the previous balance (the outstanding balance of your 
account  at  the  beginning  of  the  billing  cycle)  any  new  credit 
purchases posted to your account and any new cash advances 
received, and subtracting any payments as received or credits 
as  posted  to  your  account,  but  excluding  any  unpaid  interest 
charges. 

Method G—The interest charge on credit purchases begins to 
accrue on the date each purchase is posted to your account.  To 
avoid  incurring  an  interest  charge  on  the  balance  of  credit 
purchases reflected on your monthly statement and on any new 
credit  purchases  appearing  on  your  next  statement,  you  must 
pay the new balance shown on your monthly statement on or 
before the payment due date.  The interest charges for a billing 
cycle  are computed by applying the daily periodic rate  to the 
average daily balance multiplied by the number of days in the 
billing cycle OR the monthly periodic rate to the average daily 
balance  of  credit  purchases,  which  is  determined  by  dividing 
the  sum  of  the  daily  balances  during  the  billing  cycle  by  the 
number of days in the cycle.  Each daily balance is determined 
by adding to the previous balance of credit purchases, any new 
credit  purchases  posted  to  your  account  and  subtracting  any 
payments as received and credits as posted to your account, but 
excluding any unpaid interest charges. 

VARIABLE RATE DISCLOSURE 
The Annual Percentage Rate is initially determined by your 
credit rating.  I understand that the monthly periodic rates and 
the  Annual  Percentage  Rates  are  variable  rates  that  may 
change from time to time.  The current rates are disclosed on 
the insert the Credit  Union  has  furnished to  me based on  my 
credit  score  at  the  time  of  account  opening.    My  Annual 
Percentage  Rate  (APR)  may  change  (increase  or  decrease) 
from  time  to  time  based  on  movements  in  the  Prime  Rate, 
published in The Wall Street Journal on the 25th calendar day 
prior to the beginning of each calendar quarter.  If this date falls 
on a weekend or holiday, the published rate on the next business 
day  will  be  utilized.    My  new  rate  will  not  become  effective 
until  after  the  end  of  my  current  billing  cycle  in  which 

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movement  of  the  Prime  Rate  dictates  a  change  to  the  annual 
percentage rate currently in effect.    

Rate 1 – If I receive Rate 1, the APR will be determined by 
adding 5.25% to the Prime Rate. 
Rate 2 – If I receive Rate 2, the APR will be determined by 
adding 6.25% to the Prime Rate. 
Rate 3 – If I receive Rate 3, the APR will be determined by 
adding 7.25% to the Prime Rate.  
Rate 4 – If I receive Rate 4, the APR will be determined by 
adding 9.25% to the Prime Rate. 
Rate 5 – If I receive Rate 5, the APR will be determined by 
adding 11.25% to the Prime Rate. 
The periodic rate will be adjusted after the end of my current 
billing cycle in each calendar quarter in which movement of the 
Prime Rate dictates a change.  Calendar quarters begin January 
1, April 1, July 1, and October 1 of each year.  I understand that 
my monthly periodic rate will be 1/12th of the applicable APR.  
If there is an increase in the Prime Rate, my minimum monthly 
payment  may  also  increase.    Likewise,  if  the  Prime  Rate 
decreases, my minimum monthly payment may also decrease.  
However,  in  no  event  will  the  Annual  Percentage  Rate 
exceed 18.0%, (which corresponds to a monthly periodic rate 
of 1.5%). 

MONTHLY PAYMENTS 
Cardholders agree to pay monthly on or before the “Payment 
Due  Date”  either  (i)  the  total  “New  Balance”  which  includes 
any of the previous unpaid balances, purchases, cash advances, 
payments and credits, or (ii) at least the “Minimum Payment” 
required,  which  is  the  greater  of  $15.00  or  3%  of  the 
outstanding  “New  Balance”  as  shown  on  the  monthly 
statement.  Payment “Due Date”  on statement is 25 days from 
statement’s “Closing Date.”  The amounts paid as part of the 
Minimum  Payment  and  all  amounts  paid  over  the  Minimum 
Payment are applied to balances as permitted by law.  We do 
not charge interest on interest. 

All payments shall be considered made when received on any 
business  day  (excluding  federal  holidays),  when  received  at 
Tinker Federal Credit Union’s billing address: P.O. Box 45750, 
Tinker AFB, OK 73145, and when accompanied by the return 
portion of the cardholder statement 

the  Fair  Credit  Billing  Act,  your 

CREDIT CARD LOSS OR FRAUDULENT TRANSFERS 
Under 
liability  for 
unauthorized use of  your card is capped at $50.  However, if 
you report the loss of your card before your credit card is used, 
you are not responsible for any charges you did not authorize.  
Likewise, if you exercise reasonable care in safeguarding your 
card from loss or theft and promptly report any loss or theft of 
your card to TFCU you have ZERO liability.  TFCU must be 
notified of loss, theft, or possible unauthorized use of the credit 
card  by  notification  in  person,  by  calling  (405)  732-0324, 
option 6, or 1-800-456-4828, option 6, or by writing to TFCU 
at P.O. Box 45750, Tinker AFB, Oklahoma 73145, Attn: Credit 
Card Department.  If your credit card number is stolen, but not 
the card,  you are not  liable  for any  unauthorized use.  If  you 
dispute any transaction, while we investigate, you must timely 
pay  other  amounts  owing,  including  finance  charges  on  the 
disputed amount.   

ATTORNEY’S FEES 

Cardholder  agrees  to  pay  all  reasonable  costs  of  collection 
including  reasonable  attorney’s  fees  not  in  excess  of  fifteen 
percent (15%) of the unpaid debt, court costs, and other lawful 
charges  incurred  by  the  Credit  Union  in  collecting  the 
Cardholder’s indebtedness, whether or not suit is brought. 

DISCLAIMER OF LIABILITY 
The  Credit  Union  shall  not  be  responsible  if  a  merchant  or 
financial institution shall refuse to honor any card.  Refusal to 
honor shall not affect or impair the obligation of cardholder to 
pay all sums due on an account in accordance with the terms 
hereof.    Notices  hereunder  shall  be  effective  only  if  given  in 
writing to Credit Union at its office and to cardholder at my last 
known mailing address, as shown on Credit Union’s records.  

OWNERSHIP OF CREDIT CARDS 
Card(s)  shall  at  all  times  remain  the  property  of  the  Credit 
Union; the cardholder agrees to surrender them upon demand.  
The Credit Union may revoke the credit cards and cancel my 
line  of  credit  if  issuer  reasonably  believes  prospects  of 
repayment  are  impaired,  then  the  unpaid  balance  becomes 
immediately due and payable at once and my line of credit is 
cancelled.  If Credit Union revokes the credit cards and cancels 
the credit line, this does not affect cardholder’s obligations to 
repay  the  Credit  Union.    Cardholder  may  cancel  account  by 
written notice and return of the cut cards to the Credit Union’s 
Credit Card Department. 

AMENDMENT 
I agree that the terms of the Agreement are applicable to any 
cardholder. I also agree that the Credit Union may change the 
terms of the Agreement at any time with written notice required 
by law before the change becomes effective.  Any changes to 
the  Agreement  may  apply  to  all  outstanding  indebtedness 
incurred before, on, or after the effective date of the changes.  
Cardholder’s  failure  to  terminate  the  account  prior  to  the 
effective date of an Amendment shall constitute acceptance of 
such  Amendment.    To  terminate  the  account,  all  credit  cards 
must be returned to Tinker Federal Credit Union Credit Card 
Department  and  the  cardholder  will  be  required  to  pay  the 
account  in  accordance  with  the  terms  of  the  Cardholder 
Agreement and Disclosure Statement. 

CHOICE OF LAW 
I  acknowledge  and  understand  that  the  obligations  under  this 
Agreement  represented  by  charges  to  my  account(s)  were 
contracted for and became binding when the sales drafts, card 
slips or other credit devices were accepted by the Credit Union 
and caused the holder of the same to be paid, and this occurred 
in Oklahoma County, and the courts of Oklahoma County shall 
have venue to try controversies arising out of this agreement.  If 
any  portion  of 
to  be 
unenforceable, it will not make any other part unenforceable. 

the  Agreement 

is  determined 

IRREGULAR PAYMENT: DELAY IN ENFORCEMENT 
The Credit Union can accept late payments, partial payments, 
checks  and  money  orders  marked  “Paid  in  Full”  or  language 
having the same effect without losing any of the cardholder’s 
rights under this Agreement.  The Credit Union can also delay 
enforcing our rights under this Agreement any number of times 
without losing them.  The fact that the Credit Union may honor 

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a purchase or cash advance in excess of the credit limit does not 
obligate the Credit Union to do so thereafter.   

EVENTS OF DEFAULT 
I will be in default under this Plan and Agreement if any of the 
following events shall occur:  
(a)  If I fail to comply with the minimum payment or any other 
terms or conditions of this Agreement I may have with you; 

(b)  If I should die or become insolvent; 
(c)  If a petition should be filed or other proceeding should be 
started  under  the  Federal  Bankruptcy  Code  or  any  State 
insolvency Statute by or against me; 

(d)  If  a  receiver  should  be  appointed  or  a  writ  or  order  of 
attachment, levy or garnishment should be issued against 
me or any of my property, assets or income;  

(e)  If  Credit  Union  should  consider  itself  or  any  debts  due 
under this Agreement unsafe or not completely secure or if 
Credit Union should believe, in good faith, that the chances 
of my paying or performing all of my obligations under this 
Agreement have been impaired; or 

(f)  If  anything  in  the  application  or  use  of  this  card  is 
misrepresented or used for any fraudulent purchase. 

ENTIRE BALANCE DUE 
If any of the above events of default should occur,  my entire 
outstanding  balance  shall  immediately  become  due  and 
payable, without Credit Union notifying me, with interest due 
on  the  balance  at  the  applicable  APR  as  provided  herein  per 
year until paid, and Credit Union’s obligations to honor my use 
of  the  card  to  get  credit  extensions  from  anyone  or  to  make 
further  advances  to  me  shall,  at  Credit  Union’s  option,  and 
without notice, immediately end.  If I fail to pay the outstanding 
balance immediately, on Credit Union’s demand, I agree to pay 
all  of  Credit  Union’s  collection  expenses,  including  Credit 
Union’s reasonable attorney’s fees. 

ILLEGAL TRANSACTIONS 
A credit card may not be used for an illegal transaction.  Certain 
transactions are prohibited from being processed through your 
account  with  the  Credit  Union  under  the  Unlawful  Internet 
Gambling  Enforcement  Act  of  2006  (“the  Act”)  and  related 
regulations  issued  by  the  Board  of  Governors  of  the  Federal 
Reserve  System  and  the  United  States  Department  of  the 
Treasury (“Regulation GG”).  The Credit Union is required by 
the Act and Regulation GG to inform you of this restriction. 

The  transactions  which  are  prohibited  are  the  following 
transactions  or  transmittals  involving  any  credit,  funds, 
instrument,  or  proceeds  that  the  Act  prohibits  any  person 
engaged in the business of betting or wagering (except for the 
activities of a financial transaction provider, or any interactive 
from 
computer  service  or 
knowingly  accepting,  in  connection  with  the  participation  of 
another person in unlawful Internet gambling: 

telecommunications  service) 

■ Credit, or the proceeds of credit, extended to or on behalf of 
such  person  (including  credit  extended  through  the  use  of  a 
credit card); 
■  An  electronic  fund  transfer,  or  funds  transmitted  by  or 
through a  money transmitting business, or the proceeds of an 
electronic fund transfer or money transmitting service, from or 
on behalf of such other person; and 

■ Any check, draft, or similar instrument that is drawn by or on 
behalf of  such other person and is drawn on or payable at or 
through any financial institution. 

Internet  gambling  will  generally  be  deemed  to  be  unlawful 
unless  it  is  expressly  authorized  by  license  issued  by  an 
appropriate State or Tribal authority. 

CREDIT INVESTIGATION 
Since Credit Union has the sole right to approve my application 
and  allow  me  to  use  the  card(s)  now  and  in  the  future,  I 
authorize  Credit  Union  at  any  time  to  make  or  have  made 
whatever  credit  investigation  Credit  Union  feels  is  proper  to 
evaluate  my  credit,  personal  or  financial  standing  and  /or 
employment, and I authorize Credit Union to share my credit 
experience with credit bureaus.  I also agree to furnish Credit 
Union  current  financial  statements  in  such  details  as  Credit 
Union may require on an annual basis and more frequently at 
Credit Union’s request. 

For the purpose of the following sections only, “You”/”Your” 
means  all  persons  who  have  signed  the  application  for  Visa 
Gold  and  used  or  permitted  others  to  use  the  card;  and 
“Us”/”We”  means  Tinker  Federal  Credit  Union  of  PO  Box 
45750, Tinker Air Force Base, Oklahoma 73145. 

YOUR PERSONAL IDENTIFICATION NUMBER 
Within  the  next  few  days,  you  will  be  receiving  a  Personal 
Identification  Number  (PIN).    This  personal  identification 
number is being assigned to your account to allow you access 
to  ever-expanding  networks  of  automated  teller  machines 
(ATMs) in this area, across the country, and overseas.  Because 
each ATM is slightly different, simply insert your card in the 
slot  and  follow  the  directions  that  will  appear  on  the  screen.  
Some  important  directions  will  come  with  the  identification 
number, and we ask that you follow those instructions carefully 
to protect your card from unauthorized use.   

and 

automatically  update  your 

AUTOMATIC UPDATE SERVICE 
As part of the services provided by VISA, VISA now requires 
card  issuers  to  participate  in  the  VISA  Automatic  Updater 
(“VAU”) services. VISA will monitor changes to your account 
account 
information 
information, if changes to your account are detected by VISA. 
The  auto-updated  information  may  include  a  change  in  your 
name, card account number, and other important and relevant 
information impacting your card account and potential activity; 
this  will  allow  you  to  continue  to  use  your  card  without 
interruption.  If  you  do  not  want  your  information  to  be 
automatically  updated  by  VISA,  then  please  contact  us  to 
discuss options. 

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 

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If you think there is an error on your statement, write to us at 
Tinker  Federal  Credit  Union,  P.O.  Box  45750,  Tinker  AFB, 
Oklahoma 73145, Attn: Credit Card Department. 

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: 

Tinker Federal Credit Union 
P.O. Box 45750 
Tinker AFB, OK  73145 
Attn: Credit Card Department 

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 
any  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent.   

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