Credit Card Pricing Agreement  

FEATURING  
Visa® Choice Rewards  

Please read the disclosure information below. 

I/We hereby certify that all statements made are true and complete, are submitted for the purpose of obtaining credit, and 
that the lender may rely on them for the determination of creditworthiness. I/We authorize you to obtain such information 
as you may require concerning the statements made in this loan application, agree that the application shall remain your 
property, and you are authorized to answer questions about your credit experience with me/us. By checking the "I Agree 
with the statement above" checkbox and clicking the [Submit] button, the applicant(s) authorizes this loan application to be 
processed by the lender including but not limited to, obtaining the applicant(s) credit history, contacting employer(s) to 
verify employment, verifying income and assets, and verifying the accuracy of statements contained therein. It is a federal 
crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit 
unions or state chartered credit unions insured by NCUA. If my application is approved, I agree to be bound by the terms 
and conditions disclosed in the consumer loan agreement and disclosure(s) which will be sent to me and authorize the 
lender to share experience on this account with the consumer credit reporting agencies. 

Annual Percentage Rate 
(APR) for Purchases 

APR for Cash Advances & 
Balance Transfers 

Penalty APR and When It 
Applies 

INTEREST RATES AND INTEREST CHARGES 
3.90% introductory APR for 6 months. 
After that, your APR will be 10.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 
Balance Transfer APR: 3.90% introductory APR for 9 months. 
After that, your APR will be 10.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 
Cash Advance APR: 3.90% introductory APR for 6 months. 
After that, your APR will be 10.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 

18.00% - This APR may be applied to your account if: 

  Your minimum monthly payment is more than 60 days late 
  You are in default of any other terms of the Agreement 

How long will the penalty APR apply? 
 If your APR is increased for any of these reasons, the penalty APR will apply until you 
make six consecutive minimum payments when due. 

How to Avoid Paying Interest 
on Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
any interest on the portion of the purchases balance that you pay by the due date each 
month. 

Minimum Finance Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from 
the Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore 

Annual Fee 

None 

FEES 

REV. 1/16 pg. 1 

 
 
 
 
 
Transaction Fees 
Cash Advance 
Foreign Transaction 

Penalty Fees 
Late Payment Fee 
Returned Item Charge 

Other Fees 
Pay by Phone 

3% of the cash advance transaction (minimum $10.00) 
Up to 1% of the US dollar amount of the foreign transaction 

$25.00 
$25.00 or the amount of the returned item, whichever is less 

Up to $10.00 

THINGS YOU SHOULD KNOW ABOUT THIS REWARDS PROGRAM 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new 
purchases). We reserve the right to amend the Visa® Credit Card Agreement as permitted by law. The above 
rates and fees are current as of 11/09/2015. 

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a 
payment more than 60 days late. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement.  

These Account Disclosures for the Choice Rewards Credit Card are part of and integrated with your Credit Card 
Agreement and Disclosure with Arizona State Credit Union. 

How are Reward Points Calculated? 
Points are calculated on each individual purchase transaction and rounded [up or down] to the nearest whole 
dollar. The individual results are then added together and we subtract any returns, credits or adjustments to 
determine the net points earned. Points are calculated and credited daily.  

How Do I Redeem My Rewards? 
There are five ways you can redeem your points: 

1)  Travel Redemption 
2)  Merchandise Redemption 
3)  Merchant Gift Card Redemption 
4)  Cash Redemption 
5)  Donation Redemption 

There is no fee to participate in the AZSTCU rewards program and you are automatically enrolled when opening an 
AZSTCU Choice Rewards Credit Card.  

All point redemptions are final. Redemptions are subject to point availability and other conditions contained in the Choice 
Rewards Credit Card Terms and Conditions disclosure. 

Disputes: 

1)  All point disputes must be made in writing and sent to: 

Arizona State Credit Union 
Attn: Card Services 
2355 W. Pinnacle Peak Road 
Phoenix, AZ 85027 

2)  You must contact us within 60 days after the error appeared on your statement. You must notify us in writing.  
3)  All decisions by AZSTCU regarding point disputes are final. 

When we receive your letter we must do two things: 

1)  Within 30 days of receiving your letter, we must tell you 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 correct the error or explain to you why we believe the statement is correct. 

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