VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT 

TINKER FEDERAL CREDIT UNION – VISA 

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.* 

M-121806 (10/17) 

Option “A”     Rate 1 – 9.15%           Rate 2 – 10.15%          Rate 3 – 11.15% 

Option “B”     Rate 1 – 9.75%            Rate 2 – 10.75%       Rate 3 -11.75% 

APR for Balance Transfers 

The APR will vary with the market based on the Prime Rate. 
Option “A”     Rate 1 – 9.15%          Rate 2 – 10.15%            Rate 3 – 11.15% 

Option “B”     Rate 1 – 9.75%           Rate 2 – 10.75%         Rate 3 -11.75% 

          Balance transfer APR: The current program APR which will be set by your credit rating at the time of account 

APR for Cash Advances 

opening.* The APR will vary with the market based on the Prime Rate.   
Option “A”    Rate 1 – 9.15%           Rate 2 – 10.15%             Rate 3 – 11.15% 

Option “B”    Rate 1 – 9.75%            Rate 2 – 10.75%         Rate 3- 11.75% 

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 

Option “A” - $25 

Option “B” – 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. 

Paying Interest 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 
Set-Up and Maintenance 
Fees 
● Annual Fee 
Transaction Fees 
● Balance Transfer  
● Cash Advance  
● Foreign Transaction 
Penalty Fees 
● Late Payment 
● Returned Check Fee 

Other Fees 
● Statement Copy 
● Ticket Copy 

$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 
$5  -   Photocopy of sales slip 
$13 - the Credit Union may charge for each credit card that is reissued prior to the current cards expiration date. 

● Card Replacement Fee 
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 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659) 
Your account must be open to receive a Year-End Purchase Summary and to use other program benefits. 

1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
DEFINITIONS 
Except as the context otherwise requires (a) “Account(s)” means my 
Visa 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 Visa and/or used or permitted others to use 
the card; (d) the “Card” or “Cards” means the Visa card(s) enclosed 
herewith; (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 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  this  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 
amounts  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 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  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 the limit immediately upon 
notice  from  the  Credit  Union.    Examples  of  inadvertent  excess  of 
credit  limit  include,  but  are  not  limited  to,  returned  payments  and 
merchandise 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.   

OPTION “A” 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  effective  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) 
time  based  on 
movements in the Prime Rate, published in The Wall Street Journal 
on  the  25th  calendar  day  prior  to  the  beginning  of  the  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 movement of the Prime Rate dictates a change to the Annual 
Percentage Rate currently in effect.  

from 

time 

to 

Rate 1 – If I receive Rate 1, the APR will be determined by adding 
4.9% to the Prime Rate. 
Rate 2 – If I receive Rate 2, the APR will be determined by adding 
5.9% to the Prime Rate. 
Rate 3 – If I receive Rate 3, the APR will be determined by adding 
6.9% to the Prime Rate.  

2 

 
 
 
 
 
 
 
 
 
 
 
 
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 rate of 1.5%) 

OPTION “B” 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  effective  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) 
time  based  on 
movements in the Prime Rate, published in The Wall Street Journal 
on  the  25th  calendar  day  prior  to  the  beginning  of  the  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 movement of the Prime Rate dictates a change to the Annual 
Percentage Rate currently in effect.  

from 

time 

to 

Rate 1 – If I receive Rate 1, the APR will be determined by adding 
5.5% to the Prime Rate. 
Rate 2 – If I receive Rate 2, the APR will be determined by adding 
6.5% to the Prime Rate. 
Rate 3 – If I receive Rate 3, the APR will be determined by adding 
7.5% 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 rate of 1.5%) 

MONTHLY PAYMENTS 
Cardholder(s)  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 the statement is 
twenty-five  (25)  days  from  the  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 

CREDIT CARD LOSS OR FRAUDULENT TRANSFERS 
Under the Fair Credit Billing Act, your 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) 319-2255 or 
(800) 456-4828 xt. 2255, 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 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  this  Agreement  are  applicable  to  any 
cardholder. I also agree that Credit Union may change the terms of 
this 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. 

represented  by  charges 

CHOICE OF LAW 
I  acknowledge  and  understand  that  the  obligations  under  this 
Agreement 
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 

3 

 
 
 
 
 
 
 
 
 
  
 
 
 
 
venue  to  try  controversies  arising  out  of  this  agreement.    If  any 
portion  of  the  Agreement  is  determined  to  be  unenforceable,  it  will 
not make any other part unenforceable. 

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. 

IRREGULAR PAYMENTS: 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 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  of  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  
If  anything 
misrepresented or used for any fraudulent purchase. 

the  application  or  use  of 

this  card 

(f) 

in 

is 

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. 

FOREIGN EXCHANGE RATE AND INTERNATIONAL SERVICE 
ASSESSEMENT (ISA) FEE 

On  all 
international  purchases,  credit  vouchers,  and  cash 
disbursements  (which  would  include  credit  purchases  and  cash 
advances), i.e. all transactions where a merchant country differs from 
the country of the card issuer (1) the foreign exchange rate which will 
be charged will be a rate  selected by VISA from the range of rates 
available in wholesale currency markets for the applicable processing 
date  (which  may  vary  from  the  rate  VISA  itself  receives)  or  the 
government  mandated  rate  in  effect  for  the  applicable  central 
processing date and (2) in addition, a one percent (1%) International 
Service Assessment (ISA) fee will be charged. 

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 

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 computer service or telecommunications 
service) 
the 
participation of another person in unlawful Internet gambling: 

from  knowingly  accepting, 

in  connection  with 

■  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. 

time 

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 
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  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.   

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 Tinker 
Federal  Credit  Union,  P.O.  Box  45750,  Tinker  AFB,  Oklahoma 
4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 access 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.   

5