�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All R ights Reserved DCAUB1 (MXC502 CCM003) 
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                                                                                                                                                                                                                                                                                            SF0228  (06/01/16) CALIFORNIA COAST CREDIT UNION 
PO Box 502080 
San Diego, CA 92150-2080 
858-495-1600 
  
 
 
 
 
CONSUMER CREDIT CARD AGREEMENT  
In this Agreement, �Agreement� means this Consumer Credit Card Agreement. �Disclosure� means the Credi t Card Account 
Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agre ement and is 
part of the Agreement. In this Agreement the words "you," �your,� and "yours" mean each and all of tho se who agree to be 
bound by this Agreement; "card" means the MasterCar d credit card and any duplicates, renewals, or subs titutions the Credit 
Union issues to you; "account" means your MasterCar d credit card line-of-credit account with the Credi t 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 Uni on will establish a line of credit for you. 
You agree that your credit limit is the maximum amo unt (purchases, cash advances, finance charges, plu s "other charges") 
which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Un ion will not allow 
advances over the credit limit. You may request an increase in your credit limit only by a method acce ptable to the Credit 
Union. The Credit Union may increase or decrease yo ur credit limit, refuse to make an advance and/or t erminate your 
account at any time for any reason not prohibited b y 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 balan ce. If you use a convenience check, it will be post ed to your account 
as a cash advance. We reserve the right to refuse t o 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 conve nience check drawn on your account. You agree to pa y any fee 
imposed to stop a payment on a convenience check is sued on your account. You may make a stop payment r equest orally, 
if permitted, or in writing. Your request must be m ade with sufficient time in advance of the presentm ent of the check for 
payment to give us a reasonable opportunity to act on your request. In addition, your request must acc urately 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 paymen t request orally but such a request will expire aft er 14 days unless you 
confirm your request in writing within that time. W ritten stop payment orders are effective only for s ix months and may be 
renewed for additional six month periods by request ing in writing that the stop payment order be renew ed. We are not 
required to notify you when a stop payment order ex pires. If we re-credit your account after paying a check or draft over a 
valid and timely stop payment order, you agree to s ign a statement describing the dispute with the pay ee, to assign to us 
all of your rights against the payee or other holde rs of the check or draft and to assist us in any le gal action. You agree to 
indemnify and hold us harmless from all costs and e xpenses, including attorney's fees, damages, or cla ims, related to our 
honoring your stop payment request or in failing to  stop payment of an item as a result of incorrect i nformation provided to 
us or the giving of inadequate time to act upon a s top 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 ter ms of the Credit Card Agreement and Credit Card Acc ount Opening 
Disclosure (Disclosure). You may use your card to m ake 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 informati on 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 a utomated teller machines (ATMs). (Not all ATMs acce pt your card.) If the 
credit union authorizes ATM transactions with your card, it will issue you a personal identification n umber (PIN). To obtain 
cash advances from an ATM, you must use the PIN iss ued to you for use with your card. You agree that y ou will not use 
your card for any transaction that is illegal under  applicable federal, state, or local law. Even if y ou use your card for an 
illegal transaction, you will be responsible for al l amounts and charges incurred in connection with t he transaction. If you 
are permitted to obtain cash advances on your accou nt, you may also use your card to purchase instrume nts and engage 
in transactions that we consider the equivalent of cash. Such transactions will be posted to your acco unt as cash advances 
and include, but are not limited to, wire transfers  and money orders. This paragraph shall not be inte rpreted as permitting 
or authorizing any transaction that is illegal. 
3. PROMISE TO PAY �  You promise to pay all charges (purchases, cash ad vances, balance transfers, use of 
convenience checks or any other charge) made to you r account by you or anyone you authorize to use you r account. You 
also promise to pay all finance charges and other c harges added to your account under the terms of thi s Agreement or 
another agreement you made with the Credit Union. I f this is a joint account, the paragraph on JOINT A CCOUNTS also 
applies to your account. 
  
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 4. PERIODIC RATES �  The periodic rates applicable to purchases, cash a dvances, 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 Di sclosure. 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 o n purchases, cash 
advances, balance transfers and any penalty rate wi ll vary periodically as disclosed in the Disclosure  accompanying this 
Agreement. The initial rate on your account for cer tain types of transactions may be an introductory d iscounted rate 
(Introductory Rate) that is lower than the rate tha t would ordinarily apply for that type of transacti on. If an Introductory Rate 
applies to your account, the rates and the period o f time it will be effective is shown on the Disclos ure accompanying this 
Agreement. After the Introductory Rate period expir es, the periodic rate will automatically increase t o 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 bill ing 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 b y the payment due date of that statement; otherwise  a finance charge will 
accrue from the date a purchase is posted to your a ccount. To avoid an additional finance charge on th e balance of 
purchases, you must pay the entire new balance on t he billing statement by the payment due date of tha t statement. A 
finance charge begins to accrue on cash advances fr om the date you get the cash advance or from the fi rst day of the billing 
cycle in which the cash advance is posted to your a ccount, whichever is later (transaction date). To a void an additional 
finance charge on the balance of cash advances, you  must pay the entire new balance on the billing sta tement by the 
payment due date of that statement. 
The finance charge is calculated separately for pur chases and cash advances. For purchases, the financ e charge is 
computed by applying the periodic rate to the avera ge daily balance of purchases. To calculate the ave rage daily balance 
of purchases, we take the beginning outstanding bal ance of purchases each day, add any new purchases, and subtract any 
payments and/or credits. This gives us the daily ba lance of purchases. We then add all of the daily ba lances of purchases 
for the billing cycle together and divide the total  by the number of days in the billing cycle. This g ives us the average daily 
balance of purchases.  
For cash advances, the finance charge is computed b y applying the periodic rate to the average daily b alance of cash 
advances. To calculate the average daily balance of  cash advances, we take the beginning outstanding b alance of cash 
advances each day, add in any new cash advances, an d subtract any payments and/or credits that we appl y to the cash 
advance balance. This gives us the daily balance of  cash advances. We then add all of the daily balanc es of cash advances 
for the billing cycle together and divide the total  by the number of days in the billing cycle. This g ives us the average daily 
balance of cash advances. Balance transfers are cal culated in the same manner as cash advances. 
6. FOREIGN TRANSACTIONS �  Purchases and cash advances made in foreign curren cies will be debited from your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency u sed for processing 
international transactions is a rate selected by Ma sterCard from a range of rates available in wholesa le currency markets 
for the applicable central processing date, which r ate may vary from the rate MasterCard itself receiv es or the government-
mandated rate in effect for the applicable central processing date. The exchange rate used on the proc essing date may 
differ from the rate that would have been used on t he purchase date or cardholder statement posting da te. 
A fee (finance charge), calculated in U.S. dollars,  will be imposed on all multiple currency foreign t ransactions, including 
purchases, cash advances and credits to your accoun t. A fee (finance charge), calculated in U.S. dolla rs, will be imposed 
on all single currency foreign transactions, includ ing purchases, cash advances and credits to your ac count. A foreign 
transaction is any transaction that you complete or  a merchant completes on your card outside of the U nited States, with 
the exception of U.S. military bases, U.S. territor ies, U.S. embassies or U.S. consulates. The Foreign  Transaction Fee is 
set forth on the Disclosure accompanying this Agree ment. 
7. FEES �  In addition to the periodic rate, the following ad ditional fees may be imposed on your account. If ap plicable to 
your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agree ment. Your 
account may also be subject to additional fees as s et forth on the Disclosure accompanying this Agreem ent. 
a. Annual Fee.  If your account is subject to an Annual Fee, the f ee will be charged to your account. The fee may be 
charged each year until your account is closed and/ or paid in full. 
b. Balance Transfer Fee (Finance Charge).  If your account is subject to a Balance Transfer F ee (finance charge), the 
fee as disclosed on the Disclosure accompanying thi s Agreement will be charged to your account when yo u 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 a dvance from an ATM, the Credit Union or other finan cial institution.  
d. Foreign Transaction Fee (Finance Charge).  If your account is subject to a Foreign Transactio n Fee (finance charge), 
a fee may be charged to your account for transactio ns made outside of the United States or in a foreig n currency.    
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 e. 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 with in the number of days of the statement Payment Due Date set forth 
on the Disclosure accompanying this Agreement. 
f. Returned Payment Fee.  If your account is subject to a Returned Payment F ee, the fee will be charged to your account 
when a payment is returned for any reason. 
g. Statement Copy Fee.  If your account is subject to a Statement Copy Fee , except as limited by applicable law and when 
the request is made in connection with a billing er ror made by the Credit Union, a fee may be charged to your account for 
each copy of a sales draft or statement that you re quest. 
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 s ales draft or statement that you request (except wh en the request is 
made in connection with a billing error made by the  Credit Union). 
i. Emergency Card Replacement Fee.  If your account is subject to an Emergency Card Re placement Fee, a fee will be 
charged to your account for each emergency replacem ent card that is issued to you. 
j. Card Replacement Fee.  If your account is subject to a Card Replacement F ee, a fee will be charged for each 
replacement card that is issued to you for any reas on. 
k. Pay-by-Phone Fee.  If your account is subject to the Pay-by-Phone Fee , a fee will be charged for each time you make 
a payment by telephone as disclosed on the Disclosu re accompanying this Agreement. 
8. PAYMENTS �  Each month you must pay at least the minimum payme nt 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 mi nimum payment is 2.00% of your total new balance, o r $20.00, whichever 
is greater, plus the amount of any prior minimum pa yments that you have not made, all outstanding unpa id fees and charges, 
and any amount you are over your credit limit by th e 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. In accordance with app licable law, the 
Credit Union may not post payments to your account or reflect them in your available credit limit on t he date they are 
received.  The Credit Union may delay replenishing your credit limit until the date the payment is pos ted or the Credit Union 
confirms the payment has cleared.  
9. PAYMENT ALLOCATION �  Subject to applicable law, your payments may be ap plied to what you owe the Credit 
Union in any manner the Credit Union chooses. Howev er, 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 balan ce with the highest 
annual percentage rate and any remaining portion to  the other balances in descending order based on ap plicable annual 
percentage rate.  
10. SECURITY INTEREST �  You grant the Credit Union a security interest und er 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 Unio n a specific pledge 
of shares by signing a separate pledge of shares, y our pledged shares will secure your account. You ma y not withdraw 
amounts that have been specifically pledged to secu re your account until the Credit Union agrees to re lease all or part of 
the pledged amount.  
Your Account is secured by all other shares you hav e in any individual or joint account with the Credi t Union, 
except for shares in an Individual Retirement Accou nt or in any other account that would lose special tax 
treatment under state or federal law if given as se curity. 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 individua l or joint 
share accounts to pay any amounts due on your Accou nt if you should default. 
Collateral securing other loans you have with the C redit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwith standing anything to the contrary in any other agre ement.  
11. DEFAULT �  You will be in default if you fail to make any min imum 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, u nable to pay your obligations when they become due.  You will be in default 
if you make any false or misleading statements in a ny credit application or credit update. You will al so be in default if 
something happens that the Credit Union believes ma y substantially reduce your ability to repay what y ou owe. 
When you are in default, the Credit Union has the r ight to demand immediate payment of your full accou nt balance without 
giving you notice. If immediate payment is demanded , you agree to continue paying finance charges at t he periodic rate 
charged before default, until what you owe has been  paid, and any shares that were given as security f or 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 Attn: Support Services, PO  Box 502080, San Diego, CA 92150-2080 or telephone (858) 495-1600   
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 seven (7) days a week, 24 hours a day or (877) 495- 1600 seven (7) days a week, 24 hours a day, of the loss, theft, or 
unauthorized use of your credit card. You may be li able for the unauthorized use of your credit card. You will not be liable 
for unauthorized use that occurs after you notify u s of the loss, theft, or possible unauthorized use.  You will have no liability 
for unauthorized purchases made with your credit ca rd, unless you are grossly negligent in the handlin g 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 t he terms of 
this Agreement and any attached Disclosure from tim e to time. Notice of any change will be given in ac cordance with 
applicable law. If permitted by law and specified i n 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 A greement at any time, but termination by you or the  Credit Union will not 
affect your obligation to pay the account balance p lus any finance and other charges you owe under thi s Agreement. Your 
obligation to pay the account balance plus any fina nce 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 tra nsactions made to 
your account after termination, unless the transact ions were unauthorized. 
The card or cards you receive remain the property o f the Credit Union and you must recover and surrend er 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 Ag reement also applies to termination of the account.   
14. CHANGING OR TERMINATING AUTHORIZED USERS �  Upon your request, we may issue additional cards f or 
authorized users that you designate. You must notif y 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 othe r 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 an d 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. Yo u authorize the Credit Union to disclose informatio n regarding your 
account to credit bureaus and creditors who inquire  about your credit standing. If your account is eli gible for emergency 
cash and/or emergency card replacement services, an d you request such services, you agree that we may provide personal 
information about you and your account that is nece ssary 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 Cre dit Union a credit slip which will be posted to you r 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 months. 
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  The Credit Union may from time to time offer addit ional 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 o r change them at any time. 
18. MERCHANT DISPUTES �  The Credit Union is not responsible for the refusa l of any merchant or financial institution 
to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arisin g out of goods or 
services you purchase with the card if you have mad e a good faith attempt but have been unable to obta in satisfaction from 
the merchant or service provider, and (a) your purc hase was made in response to an advertisement the C redit Union sent 
or participated in sending to you; or (b) your purc hase cost more than $50.00 and was made in your sta te or within 100 
miles of your home. 
19. JOINT ACCOUNTS �  If this is a joint account, each of you will be in dividually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individ ually to repay the 
entire amount owed under this Agreement. Each of yo u authorizes the other(s) to make purchases or cash  advances 
individually. Any one of you may terminate the acco unt and the termination will be effective as to all  of you. 
20. EFFECT OF AGREEMENT �  This Agreement is the contract which applies to al l transactions on your account even 
though the sales, cash advances, credit or other sl ips you sign or receive may contain different terms . 
21. NO WAIVER �  The Credit Union can delay enforcing any of its ri ghts any number of times without losing them. 
22. STATEMENTS AND NOTICES �  Statements and notices will be mailed or delivered  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 ex pression of the terms 
and conditions of your account. This written Agreem ent and Disclosure may not be contradicted by evide nce of any alleged 
oral agreement. Should any part of this Agreement o r the Disclosure be found to be invalid or unenforc eable, all other parts 
of this Agreement and Disclosure shall remain in ef fect and fully enforceable to the fullest extent po ssible under this 
Agreement.   
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 24. COPY RECEIVED �  You acknowledge that you have received a copy of t his Agreement and Disclosure. 
25. GAMBLING TRANSACTIONS PROHIBITED �  You may not use your card to initiate any type of gambling transaction. 
26. PENALTY RATE DISCLOSURES �  If applicable to your account, all rates for your account, including the rates for 
purchases, cash advances, and balance transfers, wi ll increase to the Penalty Rate when you meet one o r more of the 
conditions as set forth in the Disclosure accompany ing this Agreement. Any rate increases applied to y our account are 
subject to applicable notice requirements. Please r efer to the Disclosure for additional information r egarding the Penalty 
Rate. 
27. VOLUNTARY PAYMENT PROTECTION �  We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit. If yo u purchase Voluntary Payment Protection from us, yo u authorize us to add 
the fees or insurance charges monthly to your loan balance and charge you interest on the entire balan ce. At our option we 
will change your payment or the period of time nece ssary to repay the loan balance. The rate used to d etermine the fees or 
insurance charges may change in the future. If the rate changes, we will provide any notices required by applicable law.  
28. NOTICE TO UTAH BORROWERS �  This written agreement is a final expression of th e agreement between you and 
the Credit Union. This written agreement may not be  contradicted by evidence of any oral agreement. 
29. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTI CE TO CO-SIGNER � YOUR SIGNATURE ON THIS 
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMEN T OF THIS LOAN. IF THE BORROWER DOES 
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FR OM YOU. 
Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our res ponsibilities 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, w rite 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, descr ibe 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 pay ment is scheduled, if you want to stop payment on t he 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 t o 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 mus t tell you that we received your letter. We will al so tell you if we have 
already corrected the error. 
 2. Within 90 days of receiving your letter, we mus t 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 statem ent, and we may continue to charge you interest on that amount. 
 - While you do not have to pay the amount in quest ion, you are responsible for the remainder of your balance. 
 - We can apply any unpaid amount against your cred it limit.  
After we finish our investigation, one of two thing s 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 amoun t 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 yo ur 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 a s delinquent without also reporting that you are qu estioning your bill. We 
must tell you the name of anyone to whom we reporte d you as delinquent, and we must let those organiza tions know when 
the matter has been settled between us.   
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 If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you que stion even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credi t 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 tru e: 
 1. The purchase must have been made in your home s tate or within 100 miles of your current mailing ad dress, and the 
purchase price must have been more than $50. (Note:  Neither of these are necessary if your purchase wa s 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 pur chase. Purchases made with cash advances from an AT M or with a 
check that accesses your credit card account do not  qualify. 
 3. You must not yet have fully paid for the purcha se. 
If all of the criteria above are met and you are st ill 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 d isputed 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 n otice to members before any 
�negative information� may be furnished to a nation wide consumer reporting agency. We may report infor mation about your 
account to credit bureaus. Late payments, missed pa yments, or other defaults on your account may be re flected in your 
credit report.