VISA® Agreement Disclosure Statement 

Stanford Federal Credit Union Visa Agreement and 
Disclosure Statement 
for Platinum VISA®, Alumni Rewards VISA®, Classic 
VISA® Card (Secured and Unsecured) and Student VISA® 
Card 

Interest Rate and Interest Charges 

Platinum Cash 
Back VISA® 
Annual Percentage 
Rate (APR) 

9.24% to 17.99% when you open your account, based on 
your creditworthiness (APR will vary with the market 
based on the Prime Rate) on purchases, cash advances and 
balance transfers 

Platinum Rewards 
VISA® 
Annual Percentage 
Rate (APR) 

8.99% (corresponding to a daily periodic rate of .024630) 
on purchases, cash advances and balance transfers 

Platinum VISA® 
Annual Percentage 
Rate (APR) No 
Longer Offered 

13.99% (corresponding to a daily periodic rate of 
.038329) on purchases, cash advances and balance 
transfers 

Alumni Rewards 
VISA® 
Annual Percentage 
Rate (APR) 

11.24% to 18.00% when you open your account, based on 
your creditworthiness (APR will vary with the market 
based on the Prime Rate) on purchases, cash advances and 
balance transfers 

 
 
 
 
 
 
 
 
Classic VISA® 
Annual Percentage 
Rate (APR) 

17.99% (corresponding to a daily periodic rate of 
.049288) on purchases, cash advances and balance 
transfers 

Student Unsecured 
VISA® 
Annual Percentage 
Rate (APR) 

17.99% (corresponding to a daily periodic rate of 
.049288) on purchases, cash advances and balance 
transfers 

Classic Secured 
VISA® 
Annual Percentage 
Rate (APR) 

17.99% (corresponding to a daily periodic rate of 
.049288) on purchases, cash advances and balance 
transfers 

Paying Interest 

Your due date is at least 25 days after the close of each 
billing cycle. We do not charge you 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. This excludes 
our Classic Secured VISA®. 

Annual Fees 

No Annual Fee 

Transaction Fee 
for Cash Advance 
& Balance 
Transfer 

No Cash Advance or Balance Transfer Fee (Interest will 
be charged on Cash Advances and Balance Transfers 
starting on the transaction date.) 

Rewards Program 

No Fee 

Foreign 
Transaction Fee 

None 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Late Payment Fee 

Up to $7.00 

Return Payment 
Fee 

$20.00 or the amount of the required minimum payment, 
whichever is less. 

Returned 
Convenience 
Check Fee 

$25.00 or the amount of the returned convenience check, 
whichever is less. 

Document Copy 
Fees 

12 

Rush Fee 

45 

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” 
means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is 
incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this 
Agreement the words “you,” “your,” and “yours” mean each and all of those who agree to be 
bound by this Agreement; “card” means the VISA® credit card and any duplicates, renewals, or 
substitutions the Credit Union issues to you; “account” means your VISA® credit card line-of-
credit account with the Credit Union; and “Credit Union” means the Credit Union whose name 
appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 

1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will 
establish a line of credit for you. You agree that your credit limit is the maximum amount 
(purchases, cash advances, finance charges, plus “other charges”) which you will have 
outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not 
allow advances over the credit limit. If the Credit Union has a program whereby it allows 
payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide 
you with notice, either orally, in writing, or electronically (notwithstanding the requirements of 
the paragraph entitled “Statements and Notices”) explaining your right to opt in to the Credit 
Union’s program whereby it will honor advance requests over the credit limit. In the event you 
opt in to such a program, you agree to the terms of such a program. You may request an increase 
in your credit limit only by a method acceptable to the Credit Union. The Credit Union may 
increase or decrease your credit limit, refuse to make an advance and/or terminate your account 

 
 
 
 
 
 
 
 
 
 
 
at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on 
your account, we may, from time to time, issue convenience checks to you that may be drawn on 
your account. Convenience checks may not be used to make a payment on your account balance. 
If you use a convenience check, it will be posted to your account as a cash advance. We reserve 
the right to refuse to pay a convenience check drawn on your account for any reason and such 
refusal shall not constitute wrongful dishonor. 

You may request that we stop the payment of a convenience check drawn on your account. You 
agree to pay any fee imposed to stop a payment on a convenience check issued on your account. 
You may make a stop payment request orally, if permitted, or in writing. Your request must be 
made with sufficient time in advance of the presentment of the check for payment to give us a 
reasonable opportunity to act on your request. In addition, your request must accurately describe 
the check including the exact account number, the payee, any check number that may be 
applicable, and the exact amount of the check. If permitted, you may make a stop payment 
request orally but such a request will expire after 14 days unless you confirm your request in 
writing within that time. Written stop payment orders are effective only for six (6) months and 
may be renewed for additional six month periods by requesting in writing that the stop payment 
order be renewed. We are not required to notify you when a stop payment order expires. If we re-
credit your account after paying a check or draft over a valid and timely stop payment order, you 
agree to sign a statement describing the dispute with the payee, to assign to us all of your rights 
against the payee or other holders of the check or draft and to assist us in any legal action. You 
agree to indemnify and hold us harmless from all costs and expenses, including attorney’s fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop 
payment of an item as a result of incorrect information provided to us or the giving of inadequate 
time to act upon a stop payment request. 

2. USING YOUR CARD — You understand that the use of your credit card or credit card 
account will constitute acknowledgement of receipt and agreement to the terms of the Credit 
Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your 
card to make purchases from merchants and others who accept your card. The credit union is not 
responsible for the refusal of any merchant or financial institution to honor your card. If you 
wish to pay for goods or services over the Internet, you may be required to provide card number 
security information before you will be permitted to complete the transaction. In addition, you 
may obtain cash advances from the Credit Union, from other financial institutions that accept 
your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) 
If the credit union authorizes ATM transactions with your card, it will issue you a personal 
identification number (PIN). To obtain cash advances from an ATM, you must use the PIN 
issued to you for use with your card. You agree that you will not use your card for any 
transaction that is illegal under applicable federal, state, or local law. Even if you use your card 
for an illegal transaction, you will be responsible for all amounts and charges incurred in 
connection with the transaction. If you are permitted to obtain cash advances on your account, 
you may also use your card to purchase instruments and engage in transactions that we consider 
the equivalent of cash. Such transactions will be posted to your account as cash advances and 
include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino 
gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing 
any transaction that is illegal. 

3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance 
transfers, use of convenience checks or any other charge) made to your account by you or 
anyone you authorize to use your account. You also promise to pay all finance charges and other 
charges added to your account under the terms of this Agreement or another agreement you 
made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 

4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and 
balance transfers are disclosed on the Disclosure that accompanies this Agreement. Any penalty 
rate that may be imposed for failing to make a payment by the payment due date is also disclosed 
on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your 
account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, 
cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the 
Disclosure accompanying this Agreement. The initial rate on your account for certain types of 
transactions may be an introductory discounted rate (Introductory Rate) that is lower than the 
rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to 
your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will 
automatically increase to the rates that would ordinarily apply for that type of transaction based 
on the terms of this Agreement. 

5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will 
not incur a finance charge for that billing cycle if you had a zero or credit balance at the 
beginning of that billing cycle, or you paid the entire new balance on the previous cycle’s billing 
statement by the payment due date of that statement; otherwise a finance charge will accrue from 
the date a purchase is posted to your account. To avoid an additional finance charge on the 
balance of purchases, you must pay the entire new balance on the billing statement by the 
payment due date of that statement. A finance charge begins to accrue on cash advances from the 
date you get the cash advance or from the first day of the billing cycle in which the cash advance 
is posted to your account, whichever is later (transaction date). 

The finance charge is calculated separately for purchases and cash advances. For purchases, the 
finance charge is computed by applying the periodic rate to the average daily balance of 
purchases. To calculate the average daily balance of purchases, we take the beginning 
outstanding balance of purchases each day, add any new purchases, and subtract any payments 
and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances 
of purchases for the billing cycle together and divide the total by the number of days in the 
billing cycle. This gives us the average daily balance of purchases. 

For cash advances, the finance charge is computed by applying the periodic rate to the average 
daily balance of cash advances. To calculate the average daily balance of cash advances, we take 
the beginning outstanding balance of cash advances each day, add in any new cash advances, and 
subtract any payments and/or credits that we apply to the cash advance balance. This gives us the 
daily balance of cash advances. We then add all of the daily balances of cash advances for the 
billing cycle together and divide the total by the number of days in the billing cycle. This gives 

us the average daily balance of cash advances. Balance transfers are calculated in the same 
manner as cash advances. 

6. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies 
will be debited from your account in U.S. dollars. The exchange rate between the transaction 
currency and the billing currency used for processing international transactions is 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. The exchange rate 
used on the processing date may differ from the rate that would have been used on the purchase 
date or cardholder statement posting date. 

7. FEES —In addition to the periodic rate, the following additional fees may be imposed on your 
account. If applicable to your account, the fee amounts and explanations are disclosed on the 
Disclosure accompanying this Agreement. Your account may also be subject to additional fees as 
set forth on the Disclosure accompanying this Agreement. 

a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your 
account upon the issuance of your card. Each year following, the annual fee will be charged to 
your account during the same month that you were first charged the fee. The fee will be charged 
each year until your account is closed and paid in full. 

b. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer 
Fee (finance charge), the fee as disclosed on the Disclosure accompanying this Agreement will 
be charged to your account when you transfer a balance from an account of another creditor to 
the account subject to this Agreement. 

c. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee 
(finance charge), the fee will be charged to your account when you obtain a cash advance from 
an ATM, the Credit Union or other financial institution. 

d. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged 
to your account when you do not make the required minimum payment by or within the number 
of days of the statement Payment Due Date set forth on the Disclosure accompanying this 
Agreement. 

e. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over 
your credit limit, we may charge you a fee as allowed by law. However, in no case will we 
impose an over-the-limit fee except in the next two billing cycles unless you have obtained an 
additional extension of credit in excess of such credit limit during each subsequent cycle or you 
have reduced the balance below the credit limit as of the end of each bill cycle. 

f. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be 
charged to your account when a payment is returned for any reason. 

g. Returned Convenience Check Fee. If your account is subject to a Returned Convenience 
Check Fee, the fee will be charged to your account when a convenience check is returned for any 
reason. 

h. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited 
by applicable law, a fee may be charged to your account for each copy of a sales draft or 
statement that you request (except when the request is made in connection with a billing error 
made by the Credit Union). 

i. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee 
may be charged to your account for each rush card that you request, providing delivery of the 
card is also available by standard mail service, without paying a fee for delivery. 

8. PAYMENTS — Each month you must pay at least the minimum payment shown on your 
statement by the date specified on the statement. You may pay more frequently, pay more than 
the minimum payment or pay the total new balance in full. If you make extra or larger payments, 
you are still required to make at least the minimum payment each month your account has a 
balance (other than a credit balance). The minimum payment is 2.50% of your total new balance, 
or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have 
not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit 
by the date specified on the statement. The Credit Union also has the right to demand immediate 
payment of any amount by which you are over your credit limit. 

9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to 
what you owe the Credit Union in any manner the Credit Union chooses. However, in every 
case, in the event you make a payment in excess of the required minimum periodic payment, the 
Credit Union will allocate the excess amount first to the balance with the highest annual 
percentage rate and any remaining portion to the other balances in descending order based on 
applicable annual percentage rate. 

10. SECURITY INTEREST — You grant the Credit Union a security interest under the 
Uniform Commercial Code and under any common law rights the Credit Union may have in any 
goods you purchase. If you give the Credit Union a specific pledge of shares by signing a 
separate pledge of shares, your pledged shares will secure your account. You may not withdraw 
amounts that have been specifically pledged to secure your account until the Credit Union agrees 
to release all or part of the pledged amount. 

Your Account is secured by all other shares you have in any individual or joint account 
with the Credit Union, except for shares in an Individual Retirement Account or in any 
other account that would lose special tax treatment under state or federal law if given as 
security. These other shares may be withdrawn unless you are in default under this 
agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except 
that a dwelling will never be considered as security for this account, notwithstanding anything to 
the contrary in any other agreement. 

11. DEFAULT — You will be in default if you fail to make any minimum payment or other 
required payment by the date that it is due. You will be in default if you break any promise you 
make under this Agreement. You will be in default if you die, file for bankruptcy or become 
insolvent, that is, unable to pay your obligations when they become due. You will be in default if 
you make any false or misleading statements in any credit application or credit update. You will 
also be in default if something happens that the Credit Union believes may substantially reduce 
your ability to repay what you owe. 

When you are in default, the Credit Union has the right to demand immediate payment of your 
full account balance without giving you notice. If immediate payment is demanded, you agree to 
continue paying finance charges at the periodic rate charged before default, until what you owe 
has been paid, and any shares that were given as security for your account may be applied 
towards what you owe. 

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION 
— You agree to notify us immediately, orally or in writing, at Stanford Federal Credit Union, PO 
Box 10409, Des Moines, IA 50306-0409 or telephone (888) 723-7328 seven (7) days a week, 24 
hours a day or (650) 723-2509 seven (7) days a week, 24 hours a day, of the loss, theft, or 
unauthorized use of your credit card. You may be liable for the unauthorized use of your credit 
card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, 
or possible unauthorized use. You will have no liability for unauthorized purchases made with 
your credit card, unless you are grossly negligent in the handling of your card. In any case, your 
liability will not exceed $50.00. 

13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the 
Credit Union may change the terms of this Agreement and any attached Disclosure from time to 
time. Notice of any change will be given in accordance with applicable law. If permitted by law 
and specified in the notice to you, the change will apply to your existing account balance as well 
as to future transactions. 

Either you or the Credit Union may terminate this Agreement at any time, but termination by you 
or the Credit Union will not affect your obligation to pay the account balance plus any finance 
and other charges you owe under this Agreement. Your obligation to pay the account balance 
plus any finance and other charges you owe under this agreement are subject to all applicable 
laws and regulations regarding repayment requirements. You are also responsible for all 
transactions made to your account after termination, unless the transactions were unauthorized. 

The card or cards you receive remain the property of the Credit Union and you must recover and 
surrender to the Credit Union all cards upon request or upon termination of this Agreement 
whether by you or the Credit Union. If this is a joint account, the paragraph on JOINT 
ACCOUNTS of this Agreement also applies to termination of the account. 

14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we 
may issue additional cards for authorized users that you designate. You must notify us in writing 
of any termination of an authorized user’s right to access your account. Your letter must include 
the name of the authorized user and your account number and/or any subaccount number issued 
to the authorized user along with the authorized user’s card and any convenience or other access 
checks issued to the authorized user. If you cannot return the authorized user’s card or access 
checks and if you request your account to be closed, we will close your account and you may 
apply for a new account. 

15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit 
Union to investigate your credit standing when opening or reviewing your account. You 
authorize the Credit Union to disclose information regarding your account to credit bureaus and 
creditors who inquire about your credit standing. If your account is eligible for emergency cash 
and/or emergency card replacement services, and you request such services, you agree that we 
may provide personal information about you and your account that is necessary to provide you 
with the requested service(s). 

16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may 
give credit for returns or adjustments, and they will do so by sending the Credit Union a credit 
slip which will be posted to your account. If your credits and payments exceed what you owe the 
Credit Union,the amount will be applied against future purchases and cash advances. If the credit 
balance amount is $1.00 or more, it will be refunded upon your written request or automatically 
after six (6) months. 

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from 
time to time offer additional services to your account, such as travel accident insurance, at no 
additional cost to you. You understand that the Credit Union is not obligated to offer such 
services and may withdraw or change them at any time. 

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any 
merchant or financial institution to honor your card. The Credit Union is subject to claims and 
defenses (other than tort claims) arising out of goods or services you purchase with the card if 
you have made a good faith attempt but have been unable to obtain satisfaction from the 
merchant or service provider, and (a) your purchase was made in response to an advertisement 
the Credit Union sent or participated in sending to you; or (b) your purchase cost more than 
$50.00 and was made in your state or within 100 miles of your home. 

19. JOINT ACCOUNTS — If this is a joint account, each of you will be individually and 
jointly responsible for paying all amounts owed under this Agreement. This means that the 
Credit Union can require any one of you individually to repay the entire amount owed under this 
Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. 
Any one of you may terminate the account and the termination will be effective as to all of you. 

20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all 
transactions on your account even though the sales, cash advances, credit or other slips you sign 
or receive may contain different terms. 

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of 
times without losing them. 

22. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the 
appropriate address you have given the Credit Union. Notice sent to any one of you will be 
considered notice to all. 

23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are 
the final expression of the terms and conditions of your account. This written Agreement and 
Disclosure may not be contradicted by evidence of any alleged oral agreement. Should any part 
of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of 
this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent 
possible under this Agreement. 

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement 
and Disclosure. 

25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your 
card to initiate any type of electronic gambling transaction through the Internet. 

26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your 
account, including the rates for purchases, cash advances, and balance transfers, will increase to 
the Penalty Rate when you meet one or more of the conditions as set forth in the Disclosure 
accompanying this Agreement. Any rate increases applied to your account are subject to 
applicable notice requirements. Please refer to the Disclosure for additional information 
regarding the Penalty Rate. 

27. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the 
agreement between you and the Credit Union. This written agreement may not be contradicted 
by evidence of any oral agreement. 

28. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-
SIGNER — YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY 
LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, 
THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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 the address listed on your 
statement. 

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 [or electronically]. 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 [or electronically] at the address listed on your statement. 

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. 

NOTICE OF NEGATIVE INFORMATION — Federal law requires us to provide the 
following notice to members before any “negative information” may be furnished to a 
nationwide consumer reporting agency. We may report information about your account to credit 
bureaus. Late payments, missed payments, or other defaults on your account may be reflected in 
your credit report. 

Rev 11/13