Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 1 of 7 

• Classic 
• Student Classic 
• Share-Secured Classic 
• Platinum with Cash Back 
• Platinum with No Rewards & Low Rate 
• Platinum Plus with CURewards 
• Share-Secured Platinum Plus 

THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-
LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR 
VISA CLASSIC, SHARE SECURED VISA CLASSIC, VISA PLATINUM PLUS, SHARE SECURED VISA PLATINUM 
PLUS AND STUDENT VISA CLASSIC CREDIT CARDS. PLEASE BE SURE TO READ THIS AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT 

In this Agreement, the reference to "We," "Us,' "Our", and "Credit Union" mean the LOS ANGELES FEDERAL CREDIT 
UNION. The words "You" and "Your" mean each person who accepts this Agreement or uses the Visa Classic, 
Share-Secured Visa Classic, Visa Platinum, Visa Platinum Plus, Share-Secured Visa Platinum Plus, or Student Visa 
Classic Credit Cards. "Account" means the Visa Classic, Share-Secured Visa Classic, Visa Platinum, Visa Platinum Plus, 
Share-Secured Visa Platinum Plus, or Student Visa Classic Credit Card Account established for You. The words "Credit 
Card" or "Card" mean any Visa Classic, Share-Secured Visa Classic, Visa Platinum, Visa Platinum Plus, Share Secured 
Visa Platinum Plus, and Student Visa Classic Credit Cards issued to You by Us and any duplicates and renewals. 'Visa 
Convenience Checks" mean the special Account access devices We provide for Your use from time to time. If this is a 
joint account, read singular pronouns in the plural. 

You understand the following terms constitute the Agreement: 

ACCOUNT RESTRICTIONS. In order to receive and maintain a Share-Secured Visa Classic or Snare-Secured Visa 
Platinum Plus Credit Card, You agree to give Us a specific pledge of shares which will be equal to Your credit limit. In 
the event that You default on Your Account, We may apply these shares toward the repayment of any amount owed on 
Your Share-Secured Visa Classic or Share-Secured Visa Platinum Plus Account. You may cancel Your Share-Secured 
Visa Classic or Share-Secured Visa Platinum Plus Account at any time by paying any amounts owed on Your Share-
Secured Visa Classic or Share-Secured Visa Platinum Plus Account. To be certain that Your entire balance and all 
advances on Your Account are paid, any shares pledged may not be available for 30days after You have cancelled Your 
Account. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the 
changes as prescribed by the Federal Truth-In-Lending Act. To the extent permitted by law, the right to change the 
terms of this Agreement includes, but is not limited to, the right to change the periodic rate applicable to You run paid 
balance and/or future advances. 

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of Our costs and expenses, including 
reasonable attorney fees incurred in the course of collecting any amounts owed under this Agreement or for the recovery 
of any collateral. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement and Disclosure. By signing the 
Application and Your Credit Card, by using Your Card, by using Your Account or by authorizing another to use 
Your Account, You agree to accept its terms. 

 
 
  
 
 
 
 
 
 
 
 
 
 
Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 2 of 7 

CONSENSUAL LIEN. As permitted by law, You grant and consent to a lien on Your deposit accounts with Us (other than 
those deposits established under a governmental-approved tax deferral plan such as an IRA or Keogh Account) and any 
dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance. 

CREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, the merchant will do so by 
sending Us a slip which will be posted to Your Account. If Your credits and payments exceed what You owe Us, We will 
hold and apply this credit against future purchases and cash advances, or if it is $1.00 or more, refund it on Your written 
request or automatically deposit it to Your Share Account after six months. 

CREDIT INSURANCE. Credit insurance is not required for any extension of credit under this Agreement. However, You 
may purchase any credit insurance available through Us and have the premiums added to the outstanding balance of 
Your Account. If You elect to do so, You will be given the necessary disclosures and documents separately. Any credit 
insurance premiums will be charged to Your Account as a purchase. 

DEFAULT. You will be in default it (a) You do not make any payment or perform any obligation under this Agreement, or 
any other agreement that You may have with Us; or (b) You should die, become involved in any insolvency, receivership 
or custodial proceeding brought by or against You; or (c) You have made a false or misleading statement in Your credit 
application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien 
should be filed against You or any attachment or garnishment should be issued against any of Your property or rights, 
specifically including anyone starting an action or proceeding to seize any of Your funds on deposit with Us; and/or (e) We 
should, in good faith, believe Your ability to repay Your indebtedness hereunder is or soon will be impaired, time being of 
the very essence. If You are in default, We may, without notice or demand, and to the extent permitted by law, cancel 
Your rights under this Agreement, declare the entire unpaid balance immediately due and payable and require the return 
of all Cards and other Account Access devices. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips You may sign or receive when 
using the Card contain terms, this Agreement is the contract which solely applies to all transactions involving the Card. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can 
accept late payments, partial payments, or any other payments, even if they are marked "paid in full" without losing any of 
Our rights under this Agreement. If any provision of this or any related agreement is determined to be unenforceable or 
invalid, all other provisions remain in full force and effect. 

FINANCE CHARGES. In the case of any transactions under Your Visa Classic, Share-Secured Visa Classic, Visa 
Platinum Plus, Share-Secured Visa Platinum Plus or Student Visa Classic Account. a Finance Charge will be imposed on 
all Visa Credit Card purchases and cash advances by the application of a monthly periodic rate (and corresponding 
Annual Percentage Rate) to the Average Daily Balance indicated on Your monthly billing statement. 

To get the Average Daily Balance, We take the beginning balance of Your Account each day during the billing cycle 
(including any unpaid purchases and cash advances first posted to Your Account during the prior billing cycle; excluding 
any previously billed but unpaid Finance Charges and Late Charges), add any new purchases or cash advances and 
subtract any payments or credits (as described herein). This gives Us the daily balance. We then 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. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 
days of Your statement closing date, provided the previous statement's balance was paid in full. Otherwise, the new 
balance of purchases, and Subsequent purchases from the date they are posted to Your Account, will be subject to a 
Finance Charge. Cash advances (including Visa Convenience Checks), are always Subject to a Finance Charge from the 
date they are posted to Your Account. All Credit Card accounts are subject to an Introductory Rate for the 6-month 
period immediately following the date that Your Card is activated, during which time the Monthly Periodic Rate that will 
apply to Your transactions is 0.2417% (corresponding ANNUAL PERCENTAGERATE 2.90%). 

 
 
 
 
 
 
 
 
 
 
Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 3 of 7 

Upon the expiration of any such Introductory rate period, the Monthly Periodic Rate and corresponding Annual 
Percentage Rate applicable to the portion of Your balance consisting of transactions that occur after the expiration of such 
period will increase to the non-introductory rate disclosed in this Agreement. 

Monthly and Annual Percentage Rates 

Visa Classic 

Plan 
Level 
A 
B 
C 
D 

Monthly 
Periodic 
Rate 
0.9292% 
1.0541% 
1.2000% 
1.3458% 

ANNUAL 
PERCENTAGE 
RATE 
11.15% 
12.65% 
14.40% 
16.15% 

Student Visa Classic 
----- 

1.0541% 

12.65% 

Share-Secured Visa Classic 

----- 

0.8333% 

10.00% 

Visa Platinum (with Low Rate & No Rewards) 
8.49% 
9.15% 
10.15% 
11.90% 

0.7075% 
0.7625% 
0.8458% 
0.9917% 

A+ 
A 
B 
C & D 

Visa Platinum (with cash back) * 

A & A+   
B 
C & D 

0.8250% 
0.9500% 
1.0958% 

9.90% 
11.40% 
13.15% 

Visa Platinum Plus (with CURewards) 

A & A+   
B 
C 
D 

0.8042% 
0.9292% 
1.0750% 
1.2208% 

9.65% 
11.15% 
12.90% 
14.65% 

Share-Secured Visa Platinum Plus 

----- 

0.6667% 

8.00% 

* For net purchases (purchases minus credits and returns, and excluding and all fees and finance charges) up to $250 during each 
billing cycle, you will be credited an amount equal to 0.50% of such net purchases against the balance You owe. For net purchases 
exceeding $250 during each billing cycle. You will be credited an amount equal to 1.00% of such net purchases against the balance 
You owe. Rewards are credited at the close of each billing cycle and will be reflected as a credit on the periodic statements You 
receive. At no time will credits be calculated on cash advances, balance transfers, or advances using Visa Convenience checks. To be 
eligible for the Cash Back Rewards program, Your Account must be open and in good standing at the time the reward is to be credited. 
For example, Your Account cannot be past due, over limit, or the subject of a bankruptcy or a fraud investigation. In addition, if Your 
payment posts after the statement due date You will forfeit all rewards that would have otherwise accrued in the previous billing cycle. If 
You close Your Account before any rewards that would have otherwise been earned are credited (e.g. prior to the close of a billing 
cycle), then such rewards will also be forfeit. The Credit Union has the right to change or cancel the Cash Back Rewards program at 
any time. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 4 of 7 

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign currencies, me exchange rate 
between the transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected by VISA from 
the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing 
date. In each instance, plus 1.00%. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the State of California except to the extent 
that such laws are inconsistent with controlling federal law. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure – Federal Truth-In-Lending 
Act" which is delivered to You and relates to this Agreement is an integrated part of this Agreement and Disclosure. 

ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a Personal Identification Number (PIN) for 
use with Your Card. This PIN is confidential and should not be disclosed to anyone. You may use Your PIN and Your 
Card to access Your Account and all sums advanced will be added to Your Account balance. In the event a use of Your 
PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may 
affect Your rights. 

JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for the repayment of amounts owed. You 
understand that any Card which is requested and approved, will be mailed only to the primary Cardholder at the address 
indicated on the application. We may refuse to follow any instructions which run counter to this provision. 

LATE CHARGE. If Your payment is late, You will be charged $25. 

LATE PAYMENT INTEREST RATE. The Monthly Periodic Rate used to calculate Finance Charges on Your Account will 
increase to 1.4917% (corresponding to an ANNUALPERCENTAGE RATE 17.90%) if You are late in making Your 
payments two or more consecutive billing cycles, This increased rate will apply to Your entire outstanding Account 
balance existing after the first day of the billing cycle during which the conditions described herein occur (subject to 
applicable regulatory notice requirements) and will continue to apply until and unless You have made 6 timely consecutive 
payments. This increased rate will also apply to Your entire Account balance if Your Account is ever in default and will 
continue to apply for as long as You have a balance on Your Account that is subject to a Finance Charge (except to the 
extent that such rate will decrease in the 6th month following the date that You cure such default to that rate that would 
have been in effect had no default occurred in the first place). At Our discretion, We may reduce any Late Payment 
Interest Rate applicable to Your Account without giving up any of Our rights set forth in this provision or in Our Agreement 
within Your Agreement with Us. 

LINE OF CREDIT LIMIT.  If Your application for a Card is approved, You will be notified of Your specific Credit Limit for 
transactions made under Your Account. Unless You are in default, the Credit Limit established for You will be self-
replenishing as You make payments on Your Account. You will keep Your unpaid balance within Your Credit Limit set by 
Us, and You will pay any Amount over Your Credit Limit on Our demand whether or not We authorize  the advance which 
caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no 
credit available during any time that any aspect of Your Account is in default 

LOST OR STOLEN CARDS AND/OR VISA CONVENIENCE CHECKS. To report a lost or stolen Card or Convenience 
Check, You will immediately call Us at (800) 449-7728. You may also write to Us at the address shown in this Agreement. 

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly Payments, You understand that You 
have the right to repay Your Account or make larger payments at any time without penalty. You will only be charged 
period Finance Charges to the date You repay Your entire Account balance. Any partial payment or prepayment of Your 
Account will not delay Your next scheduled payment All payments to Us must be in lawful money of the United Stales. 
Payments will be applied in the following order: (a) any Fees owing; (b) any Finance Charges due on purchases and cash 
advances; (e) any outstanding principal balances for cash advances previously billed yet unpaid; (d) any remaining 
balance for cash advances; (e) any outstanding principal balances for purchases previously billed yet unpaid: and then to 

 
 
 
 
 
 
 
 
 
 
 
Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 5 of 7 

(f) any remaining balance for purchases. You understand that any delay in the repayment of Your unpaid balance will 
increase the amount You will pay in periodic Finance Charges and any acceleration in the repayment of Your unpaid 
balance will decrease Your periodic: Finance Charges. You understand that any portion of any payment which is 
subsequently applied to principal as designated herein, will be credited first to that portion of Your unpaid principal 
balance which carries the highest Annual Percentage Rate until such portion is paid in full, followed by that segment of 
Your unpaid principal balance which carries the next highest Annual Percentage Rate until it is paid in full. Such  
application to principal shall continue in perpetuity. 

Minimum Monthly Payments will be an amount equal 3.00% of Your Unpaid specific Visa Account balance at the end of 
each billing cycle, subject to the lesser of $20 or Your Account balance. In addition to the Minimum Monthly Payment You 
will also be required to pay any prior payments due which remain unpaid and any amounts which exceed Your credit limit. 

Payments received before 2:30 p.m. on a business day that We are open will be credited to Your Account that day. 
Payments received after 2:30 p.m. will be credited to Your Account the next business day. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of 
address. 

OTHER FEES AND CHARGES. You agree to pay Us the following fees and charges associated with the use of Your 
Card: (a) Except for Premier and Permier-55 Cardholders, $15 for each replacement Card that You request (Value and 
Imperial accountholders are eligible to receive one free replacement Card per 12-month period); (b) a returned check (or 
other negotiable instrument used for payment or payment made through an Automated Clearing House) charge of $26 for 
each item returned for non-payment (maximum of $130 per day); (c) $26 for express replacement of a Card; (d) $24 over-
credit-limit fee for each billing cycle during which You exceed Your credit limit;(e) $26 for each stop payment that You 
request for Visa Convenience Checks; (I) $5 for each merchant draft copy that You request that is unrelated to a valid 
billing error dispute; (g) $5 overdraft protection lee for each personal check paid by an advance from Your Visa Account 
due to an overdraft on Your Share Draft Account: and (h) an annual Account Inactivity Fee FINANCE CHARGE of $10 
if, during any 24-conseculive-month period, You have not made any purchases or cash advances. This fee will be 
charged to Your Account at the end of any such 24-month period for each renewal year Your Account remains open; (i) 
for all cash advances (other than those obtained at ATMs owned and operated by Us), You will be charged a cash 
advance fee FINANCE CHARGE equal to 2.00% of the amount advanced; and (j) for cash advances obtained at ATMs 
owned and operated by Us, You will be charged a cash advance fee FINANCE CHARGE equal to $2.50 for each such 
advance. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or 
for any other loan You may have with Us will secure all amounts You owe Us now and in the future if that status is 
reflected In the ''Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt. 

OUR RESPONSIBILITIES TO HONOR VISA CONVENIENCE CHECKS. We are under no obligation to honor Your Visa 
Convenience Checks if: (1) by paying a Visa Convenience Check, You would exceed Your Credit Limit;(2) Your Cards 
or Visa Convenience Checks have been reported lost or stolen; (3) Your Account has been cancelled or has expired. If a 
postdated Convenience Check is paid and, as a result, any other Convenience Check is returned unpaid, We are not 
responsible for any resulting loss or liability. 

OVERDRAFT PROTECTION. If the Overdraft Protection feature of Your Account has been activated, We may transfer 
funds In multiples necessary (or in such increments as We may from time to time determine) to clear any overdraft on 
Your checking (Share Draft) Account by an advance on Your Visa Classic, Share-Secured Visa Classic, Visa Platinum, 
Visa Platinum Plus, Share-Secured Visa Platinum Plus or Student Visa Classic Credit Card Account subject to this 
provision. Whether or not such a transfer occurs will be controlled by this Agreement. In any event, You hold Us 
harmless for any and all liability which might otherwise arise if the transfer does not occur. Your Overdraft Protection 
automatically ceases if this Agreement is ever cancelled or terminated or Your Account is in default. 

 
 
 
 
 
 
 
 
 
 
Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 6 of 7 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to 
surrender Your Card and to discontinue its use immediately upon Our request. 

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing all transactions on Your Account 
including amounts paid and borrowed since Your last statement. We will mail You a statement each billing cycle in 
which there is a debit or credit balance or when a Finance Charge is imposed. We need not send You a statement if We 
feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. 
Each statement is deemed to be a correct statement of account unless You establish a billing error pursuant to the 
Federal Truth-In-Lending Act. 

PROMISE TO PAY. Your Account may be accessible through a variety of means which could include advance request 
forms, vouchers, checks, charge slips, credit cards, Visa Convenience Checks and the like. Regardless of the access 
means, You promise to pay Us all amounts charged to Your Account by You or by any user Who has access to Your 
Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or 
charges described herein. 

REFUSAL TO HONOR CARDSOR VISA CONVENIENCE CHECKS. Visa Convenience Checks must be at least equal to 
$100 and cannot exceed the lesser of Your approved Credit Limit or $30,000, and We may refuse to honor any non-
conforming convenience check. We are not liable for the refusal or inability of merchants, financial institutions and others 
to accept the Cards or Visa Convenience Checks, or electronic terminals to honor the Cards or complete a Card 
withdrawal, or for their retention of the Cards or Visa Convenience Checks. 

TERMINATION. Subject to applicable law either You or We may cancel Your Account at any time whether or not You are 
in default. You will, in any case, remain liable to pay any unpaid balances according to the terms of this Agreement. 

TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal or financial institution at 
which transactions were made, but sales, cash advances, credit or other slips will not be returned with the statement. You 
will retain the copy of such slips furnished at the time of the transaction in order to verify Your monthly statement 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card, You will not be liable for the 
unauthorized use that occurs after You notify Us orally and in writing at the address or telephone number shown 
in this Agreement, of the loss, theft, or possible unauthorized use. In any case, Your liability will not exceed $50. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update personal information or 
other financial information related to You, at Our request. You also agree that We may, from time to time, as We deem 
necessary, make inquiries pertaining to Your employment, credit standing and financial responsibility in accordance with 
applicable laws and regulations. You further agree that We may give information about the status and payment history of 
Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a stale or federal licensing 
agency having any apparent (legitimate business need for such information). 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any place that it is honored and to get cash 
advances from Us or another financial institution. If You are issued a cash advance draft, it will be imprinted with Your 
Card number. You agree not to use Your Card or for illegal transactions including, but not limited to, advances made for 
the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or Federal law. You 
also agree not to use Your Card in any country that We or the United States Government may from time to time 
designate. 

VISA CONVENIENCE CHECK RATE. If Your Account is subject to a promotional rate for Visa Convenience Check 
transactions, the Monthly Periodic Rate applicable to such transactions will be 0.2417% (corresponding ANNUAL 
PERCENTAGE RATE of 2.90%), Upon the expiration of any such promotional rate period, the Monthly Periodic Rate 
and corresponding Annual Percentage Rate applicable to the portion of Your balance consisting of transactions that occur 
after the expiration of such period will increase to the non-promotional rate disclosed in this Agreement 

 
 
 
 
 
 
 
 
 
 
 
 
Visa® Credit Card Agreements and Disclosures 

Effective 8/20/09…page 7 of 7 

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. 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT 

lf You think Your statement is wrong, or if You need more information about a transaction on Your statement, write Us on 
a separate sheet, at the address shown on Your periodic statement. Write to Us as soon as possible. We must hear from 
You no later than 60 days after We sent You the first statement on which the error or problem appeared. You can 
telephone Us, but doing so will not preserve Your rights. In Your letter, give Us the following information: (1) Your Name 
and Account number; (2) Dollar amount of the suspected error: (3) Describe the error and explain, if You can, why You 
believe there is an error. If You need more information, describe the item You are not sure about. If You have authorized 
Us to pay Your Credit Card bill automatically from Your savings or checking Account, You can stop the payment on any 
amount You think is wrong, To stop the payment, Your letter must reach Us three business days before the automatic 
payment is scheduled to occur. 

YOUR RIGHTS & OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE. 

We must acknowledge Your letter within 30 days, unless We have corrected the error by then. Within 90 days, We must 
either correct the error or explain why We believe the statement was correct. 

After We receive Your letter, We cannot try to collect any amount You question, or report You as delinquent. We can 
continue to bill You for the amount You question, including Finance Charges, and We can apply any unpaid amount 
against Your Credit Limit. You do not have to pay any questioned amount while We are investigating, but You are still 
obligated to pay the parts of Your statement that are not in question. 

If We find that We made a mistake on Your statement, You will not have to pay any Finance Charges related to any 
questioned amount. If We didn’t make a mistake, You may have to pay Finance Charges, and You will have to makeup 
any missed payments on the questioned amount. In either case, We will send You a statement of the amount You owe 
and the date that it is due. If You fail to pay the amount that We think You owe Us, We may report You as delinquent. 
However, if Our explanation does not satisfy You and You write to Us within 10 days telling Us that You still refuse to pay, 
We must tell anyone We reported You to that You have a question about Your statement and We must tell You the 
Name of anyone We reported You to.  We must tell anyone We reported You to that the matter has been settled between 
Us when it finally is. 

If We don't follow these rules, We can't collect the first $50 of the questioned amount, even if Your bill was correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES. If You have a problem with the quality of property or services that 
You purchased with a 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 property or services. There are two limitations on this 
right: 
(a) You must have made the purchase in Your home state, or, if not within Your home state,  within 100 miles of Your 
current mailing address; and 
(b) The purchase price must have been more than $50. 

These limitations do not apply if We own or operate the merchant, or if We mailed You the advertisement for the property 
or services.