®/MasterCard ®
CREDIT CARD AGREEMENT

255 N. Lone Hill Ave. San Dimas, CA 91773 

NOTICE: See reverse side for important information regarding your rights to dispute billing errors.

In this Agreement, the words you and your mean the person or persons who use or authorize the use of, or who sign an application for, a Christian Community Credit Union VISA/MasterCard. Card means 
the Christian Community Credit Union VISA/MasterCard and any duplicates and renewals the Credit Union issues to you. Account means your VISA/MasterCard line of credit account with the Credit Union. 
Credit Union means Christian Community Credit Union.

1.     Using the Account. If your application for a VISA/MasterCard account is approved, the 
Christian Community Credit Union will establish a line of credit for you and notify you of its amount 
when the card is sent to you. You agree not to let your account balance exceed your approved credit 
limit.  Each  payment  you  make  on  the  account  will  restore  your  credit  limit  by  the  amount  of  the 
payment which is applied to the principal amount of purchases and cash advances. You may request 
an increase in your credit limit only by written application submitted to the Credit Union. The Credit 
Union has the right to reduce or terminate your credit limit at any time.
2.     Using the Card. You may use your card to purchase goods and services in person, online, 
and by mail or telephone from merchants and others who accept VISA/MasterCard credit cards. In 
addition, you may obtain cash advances up to $1,000 of your approved and available credit limit from the 
Credit Union, from other financial institutions or select merchants participating in the VISA/MasterCard 
program and from automated teller machines (ATMs), such as VISA/MasterCard ATM Network, that 
provide access to the VISA/MasterCard system. (Not all merchants or ATMs provide such access.) You 
will need to use your Personal Identification Number (PIN) to obtain a cash advance from an ATM.
3.     Illegal Use of VISA/MasterCard Credit Card. You agree that your VISA/MasterCard 
Credit Card Account will not be used to make or facilitate any transaction(s) that are or might be 
construed  to  be  illegal  pursuant  to  applicable  law,  rule  or  ordinance,  including  but  not  limited  to 
gambling. Said use, including any such authorized use, will constitute an event of default under this 
Agreement. You agree that the Credit Union has no liability, responsibility or culpability whatsoever for 
any such use by you or any authorized user(s). You agree that you are responsible for repayment of 
any and all debts incurred for these transactions. You further agree to indemnify and hold the Credit 
Union harmless from any suits, liability, damages or adverse action of any kind that results directly 
or indirectly from such illegal use.
4.     Responsibility. You  agree  to  pay  all  charges  (purchases  and  cash  advances)  to  your 
account made by you or anyone who you authorize to use your account. You also agree to pay all 
other charges added to your account, pursuant to Paragraph 7. Your obligation to pay the amount 
owed on your account continues until paid in full even though an agreement, divorce decree or other 
court judgment to which the Credit Union is not a party may direct someone else to pay the account 
balance. If more than one person signs this Agreement, each is individually responsible for all amounts 
owed on the account and all are jointly responsible for all amounts owed. This means the Credit Union 
can enforce this Agreement against any of you individually or all of you collectively.
5.     Finance Charges. In order to avoid a FINANCE CHARGE on purchases made since your 
last statement date, you must pay the Total New Balance shown on your statement within 25 days 
of the statement closing date. Otherwise the FINANCE CHARGE on purchases is calculated from 
the beginning of the next statement period on previously billed but unpaid purchases and on new 
purchases from the date they are posted to your account. Cash advances and balance transfers 
are always subject to a FINANCE CHARGE from the date they are posted to your account.
We figure the FINANCE CHARGE on your account by applying the periodic rate to the ‘‘average 
daily balance’’ of your account. To get the ‘‘average daily balance’’ we take the beginning balance of 
your account each day, add any new purchases, and cash advances, and subtract any unpaid 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.”
PLATINUM REWARDS VISA AND PLATINUM REWARDS MASTERCARD ACCOUNTS
Your Platinum Rewards VISA and Platinum Rewards MasterCard Accounts will 
be subject to a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE and 
a corresponding Monthly Periodic Rate which will be a standard variable (floating) rate 
based upon an index plus a margin. The margin applicable to your account will be determined by your 
creditworthiness. The ANNUAL PERCENTAGE RATE and the corresponding Monthly 
Periodic Rate will apply to purchases, cash advances and balance transfers.  
Index
The Index is Prime Rate (“Index”). Information about this Index is published in the Money Rates Table 
of the Wall Street Journal.  
Rate Changes
The ANNUAL PERCENTAGE RATE may change on the first (1st) day each month. These are 
known as rate change dates. The Index value used for a given billing cycle will be the value published 
on first (1st) business day before the change date or the most recently published value published 
before the change date. If more than one rate is published, the Index will be the highest of the rates 
published. If the Index ceases to be published, the Credit Union will choose a new Index and give 
you notice of its choice.
Determination of Annual Percentage Rate
The Credit Union will add a margin ranging from 7.65% to 13.65%, depending on your credit 
score, to the Index to get the ANNUAL PERCENTAGE RATE applicable to your Account for 
the billing cycle.  Notification of the margin for which you have been approved will be provided on 
the Platinum Rewards VISA/MasterCard Approval Letter sent to you upon completion of the credit 
review and approval.  
ANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the 
corresponding Monthly Periodic Rate for the billing cycle. An increase or decrease in the Prime 
Rate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE and the 
corresponding Monthly Periodic Rate applicable to your Account.  

Limitations on Changes
There is no limit on the amount by which the rate changes in any one-year period. The maximum 
ANNUAL PERCENTAGE RATE that can apply is 18.00%. 

Annual Percentage Rate Example
Based upon a margin of 7.65% (your margin may be different depending on your credit score) plus 
an Index value of 3.25%, (which was the value of the Index on February 1, 2010), your Account 
would be subject to a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE 
of 10.90%, with a corresponding Monthly Periodic Rate of 0.9083%. 
On the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL 
PERCENTAGE  RATE  and  the  corresponding  Monthly  Periodic  Rate  will  be 
calculated according to the formula described above and will be stated on our Platinum Rewards 
VISA/MasterCard Approval Letter.

BUSINESS PLATINUM REWARDS VISA ACCOUNT
Your Business Platinum Rewards VISA Account will be subject to a FINANCE CHARGE 
(interest) at an ANNUAL PERCENTAGE RATE and a corresponding Monthly Periodic 
Rate which will be a standard variable (floating) rate based upon an index plus a margin of 7.65%. 
The ANNUAL PERCENTAGE RATE and the corresponding Monthly Periodic Rate 
will apply to purchases, cash advances and balance transfers.

Index
The Index is Prime Rate (“Index”). Information about this Index is published in the Money Rates Table 
of the Wall Street Journal.  

Rate Changes
The ANNUAL PERCENTAGE RATE may change on the first (1st) day each month. These are 
known as rate change dates. The Index value used for a given billing cycle will be the value published 
on first (1st) business day before the change date or the most recently published value published 
before the change date. If more than one rate is published, the Index will be the highest of the rates 
published. If the Index ceases to be published, the Credit Union will choose a new Index and give 
you notice of its choice. 
On the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL 
PERCENTAGE RATE and the corresponding Monthly Periodic Rate will be calculated 
according to the formula described below and will be stated on our Business Platinum Rewards 
VISA Approval Letter.
Determination of Annual Percentage Rate
The Credit Union will add a margin of 7.65% to the Index to get the ANNUAL PERCENTAGE 
RATE  applicable  to  your  Account  for  the  billing  cycle.    Based  upon  an  Index  value  of  3.25%, 
(which was the value of the Index on February 1, 2010), your Account would be subject to a 
FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE of 10.90%, with 
a corresponding Monthly Periodic Rate of 0.9083%. 
ANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the 
corresponding Monthly Periodic Rate for the billing cycle. An increase or decrease in the 
Prime Rate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE and 
the corresponding Monthly Periodic Rate applicable to your Account.  
Limitations on Changes
There is no limit on the amount by which the rate changes in any one-year period. The maximum 
ANNUAL PERCENTAGE RATE that can apply is 18.00%. 
6.     Change in Terms; Changing or Terminating Your Account. The Credit Union 
may change the terms of this Agreement, including your ANNUAL PERCENTAGE RATE, from 
time to time for any reason not inconsistent with applicable law after giving you any advance notice 
required by law. Your use of the card after receiving notice of a change will indicate your agreement 
to the change. To the extent the law permits, and except as otherwise indicated in the notice to you, 
the change will apply to your existing account balance as well as to future transactions. Either the 
Credit Union or any one of you 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. The 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.
7.     Other Charges. The following Other Charges will be added to your account, as applicable:
•        If you are a credit card member only with no other relationship with Christian Community 
Credit Union, a one-time non-refundable membership fee of $5.00 will be charged to your credit 
card account.
•        CASH ADVANCE FEE (FINANCE CHARGE): You will be charged a cash advance fee of 2% 
of the amount advanced with a $5.00 minimum.
•        COPIES: If you request a copy of any document, we may charge your account $5.00 per copy 
requested. If your request is related to a billing error and an error is found, we will credit any copying 
charges to your account.
•         LATE PAYMENT FEE: We reserve the right to charge a late payment fee of $15.00 to your account 
each  billing  period  that  the  minimum  monthly  payment  is  not  received  by  15  days  after  due  date.

©2007-2010 California Credit Union League, Law Offices of Thomas H. Wolfe, PC - All Rights Reserved   CU STORE  # 7018    (CUSTOM)                                                                                     Rev. 2/19/10  PTD 2/10

   
•        NSF FEE: A fee of $25.00 will be assessed for each card payment that is returned to the Credit 
Union for non-sufficient funds.
•        EXPRESS CARD/PIN ORDER: A fee of $40.00 will be assessed if you request express delivery 
of your card or personal identification number (PIN).
•        PIN REPLACEMENT FEE: A fee of $5.00 will be assessed if your PIN needs to be replaced.
•         MINIMUM FINANCE CHARGE: The minimum Finance Charge that may be assessed is $1.00.
•        CARD REPLACEMENT FEE: A fee of $10.00 will be assessed if your card needs to be replaced 
due to damage, loss, or theft.
•        BALANCE TRANSFER FEE (FINANCE CHARGE): You will be charged a balance transfer fee 
of 2% of the amount transferred with a $5.00 minimum.
8.     Monthly Payment. Each month you must pay at least the minimum payment shown on 
your statement by the Payment Due Date shown. You may, of course, pay more frequently, pay more 
than the minimum payment, or pay the Total New Balance in full. If you make extra payments or larger 
payments, you are still required to make at least the minimum payment each month your account has 
a balance. The minimum payment is 3% of your Total New Balance but not less than $10.00, plus the 
amount of any prior minimum payments that you have not paid. 
9.     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 immediately terminate 
this Agreement and require repayment of your outstanding account balance plus any finance and 
other charges you owe under this Agreement. At the Credit Union’s discretion, any shares that 
were given as security may be applied towards what you owe. To the extent permitted by law, 
you will also be required to pay the Credit Union’s collection expenses, including court costs and 
attorneys’ fees.
10.   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 255 N. Lone Hill 
Avenue, San Dimas, CA 91773, or call us at (800) 449-7728. 
You will not be liable for any unauthorized use that occurs after you notify us. You may, however, 
be liable for unauthorized use that occurs before your notice to us. In any case, your liability will 
not exceed $50.
11.   Liability for Unauthorized Use of Your VISA Credit Card. If there is unauthorized 
use on your consumer VISA Credit Card your liability will be zero ($0.00). This provision limiting your 
liability does not apply to either Business Platinum Rewards VISA cards, ATM cash disbursements, 
or  non-VISA  PIN-less  debit  transactions.  Additionally,  your  liability  with  respect  to  unauthorized 
transactions may be greater than the above limit, to the extent allowed under applicable law, if the 
Christian Community Credit Union reasonably determines, based on substantial evidence, that you 
were grossly negligent or fraudulent in the handling of your account or card.
12.  Liability for Unauthorized Use of your MasterCard. If there is an unauthorized 
use of your MasterCard then your liability will be zero ($0.00) so long as: 1) You exercised reasonable 
care in safeguarding your card from risk of loss or theft; 2) You have not reported two or more 
incidents of unauthorized use within the preceding twelve (12) months; and 3) Your account is in 
good standing.
If you cannot meet these requirements then your liability with respect to unauthorized transactions 
may be greater than the above zero ($0.00) liability limit, to the extent allowed under applicable law. 
In any case, to minimize your potential liability you should notify us of any unauthorized use no later 

than 60 days after your statement was mailed to you. This provision limiting your liability does not 
apply to either MasterCard commercial cards or ATM cash disbursements.
13.   Credit 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. Pursuant to 
state law, you are hereby notified that a negative credit report reflecting on your credit record may be 
submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
14.   Returns and Adjustments. Merchants and others who honor the 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 amount is $1 or more, it 
will be refunded upon your written request or automatically after six months.
15.   Foreign Transactions.  Purchases  and  cash  advances  made  in  foreign  currencies  will 
be billed to you in U.S. dollars. Transactions processed outside of the United States or in a foreign 
currency may be charged a foreign transaction fee, regardless of whether there is a currency conversion 
associated with the transaction. The conversion rate in dollars will be a rate selected by VISA from a 
range of rates available in wholesale currency markets for the applicable Central Processing Date, 
which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect 
for the applicable Central Processing Date in each instance, plus a one percentage point (1.0%) fee 
charged by the Issuer.
16.   MasterCard Cross-Border Transactions. Purchases and cash advances made in foreign 
currencies will be billed to you in U.S. dollars. If a cross-border transaction on a U.S.-issued credit or 
debit card is submitted to MasterCard in the currency of the country of the merchant, MasterCard will 
convert the transaction to the cardholder’s billing currency using its currency conversion procedure. 
MasterCard uses either a government mandated exchange rate, or a wholesale exchange rate selected 
by MasterCard. The government-mandated exchange rate or wholesale exchange rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day 
the transaction is processed, which may differ from that applicable to the date the transaction occurred 
or when it is posted to your account. Added to your cross-border transaction are a MasterCard Issuer 
cross-border assessment of eight-tenths of one percent (.8%) and currency conversion assessment 
of two-tenths of one percent (.2%).
17.   Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant 
or financial institution to honor the 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 and was made in your state or within 100 
miles of your home.
18.   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.
19.   No Waiver. The Credit Union can delay enforcing any of its rights any number of times without 
losing them.
20.   Statements and Notices. You will receive a statement each month showing transactions 
on your account. Statements and notices will be mailed to you at the most recent address you have 
given the Credit Union. Notice sent to any one of you will be considered notice to all. You agree to 
promptly notify the Credit Union if you change your mailing address.
21.   Transfer of Account. You cannot transfer or assign your account to any other person.
22.   Governing  Law.  This Agreement and your account shall be governed by California law 
without regard to any conflict of law rules.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This  notice  contains  important  information  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: Christian Community Credit Union, 255 
N. Lone Hill Avenue, San Dimas, CA 91773. 
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 error 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: 
Christian Community Credit Union, 255 N. Lone Hill Avenue, San Dimas, CA 91773. 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.