27. TRANSFER OF ACCOUNT. You cannot transfer your account to any 
other person.
28. ACCELERATION.  If  you  are  in  default  as  provided  above,  or  if  we 
in  good  faith  reasonably  believe  that  the  prospect  of  payment  or 
performance is impaired, amounts you owe us shall, at our option and 
without notice, become immediately due and payable.
29. DELAY IN ENFORCEMENT. We can delay enforcing any right under 
this Agreement without losing that right or any other right.
30.  AMENDMENT.    We  reserve  the  right  to  amend  the  terms  of  this 
Agreement at anytime as permitted by and subject to any limitations and 
notice requirements of applicable law.
31. SEVERABILITY.  If any provision of this Agreement is held invalid all 
provisions that are severable from the invalid provision remain in effect.
32.  OWNERSHIP  OF  CARDS.    Any  Card  or  other  credit  instrument  or 
device which we supply to you is our property and must be returned to 
us, or any person whom we authorize to act as our agent, or any person 
who is authorized to honor the Card. The Card may be repossessed at 
any time at our sole discretion without any demand or notice.
33. PIN SECURITY.  You agree not to disclose or otherwise make your 
Card  or  Personal  Identification  Number  (“PIN”)  available  to  anyone 
without  prior  written  consent.  You  agree  not  to  disclose  or  otherwise 
make  available  your  PIN  to  anyone  not  authorized  to  sign  on  your 
account. For security reasons, please do not write your PIN on your Card 
or keep it in the same location as your Card.
34.  CREDIT  REPORTS  AND  NEGATIVE  INFORMATION  NOTICE.    You 
authorize  us  to  make  or  have  made  any  credit,  employment  and  /or 
investigative inquiry we deem appropriate for the extension of credit or 
collection of amounts owing on the account. We can furnish information 
concerning your account to consumer reporting agencies and others who 
appear  to  have  a  business  need  for  that  information.  Late  payments, 
missed payments, or other defaults on your credit card account may be 
reflected in your credit report.
35.  ADDRESS.    You  agree  to  advise  us  promptly  if  you  change  your 
mailing  address.  We  can  accept  address  corrections  received  from 
the U.S. Postal Service for any authorized user. All written notices and 
statements from us to you will be sent to your address as it appears on 
our records.
Written notices and inquiries from you to us must be sent to: 

Star One Credit Union 
P.O. Box 3643 
Sunnyvale, California 94088-3643
36.  GOVERNING  LAW.    This  Agreement  will  not  take  effect  until  it  is 
approved by the Credit Union in the State of California. All payments shall 
be made to the Credit Union at the Credit Union’s offices. This Agreement 
shall be governed by the laws of the State of California and for any non-
California residents, any consumer disclosure requirements under state 
law as set forth on the State Law Addendum, which is incorporated herein.
37.  PHONE  CALLS.    In  the  regular  course  of  our  business,  we  may 
monitor  and  record  phone  conversations  made  or  received  by  our 
employees. You  agree  that  we  will  have  such  right  with  respect  to  all 
phone conversations between you and our employees, whether initiated 
by you or any of our employees.
38.  MILITARY LENDING DISCLOSURES. The following disclosures are provided 
and apply to the borrower who is a Covered Member as described below.
a.  Borrower Certification of Active Duty.  By requesting a Credit Card 
each  borrower  certifies  to  the  Credit  Union  that  borrower:    (i)  is  a 
Covered member as a member of the Armed Forces who is currently 
serving  on  active  duty  (under  a  call  or  order  not  less  than  30  days) 
Active Guard or Reserve duty; and (ii) borrower is the Covered Member 
or is a dependent of the Covered Member.  Borrower(s) authorize the 
Credit Union to verify their status as a Covered Member or dependent by 
obtaining information from the database of the Department of Defense 
or from a consumer report obtained from a consumer reporting agency.

b.  Military  Annual  Percentage  Rate.  Federal  law  provides  important 
protections  to  members  of  the  Armed  Forces  and  their  dependents 
relating  to  extensions  of  consumer  credit.    In  general,  the  cost  of 
consumer  credit  to  a  member  of  the  Armed  Forces  and  his  or  her 
dependent may not exceed an annual percentage rate of 36%.  This 
rate must include, as applicable to the credit transaction or account:  
the  costs  associated  with  credit  insurance  premiums;  fees  for 
ancillary products sold in connection with the credit transaction; any 
application fee charged (other than certain application fees for a credit 
card  account);  and  any  participation  fee  charged  (other  than  certain 
participation fees for a credit card account).

c.   Payment  Obligation. Your  payment  obligation  under  your  Credit  Card 
Account is set forth in Sec. 10 and 11 above in the Credit Card Agreement.
d.   Credit Union Toll-Free Telephone Number - 866.543.5202.  Call this 
number  for  verbal  information  about  the  Military  Annual  Percentage 
Rate and your payment obligation.

YOUR CREDIT CARD 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 Credit Union address 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. 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 at the above address. 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.

STAR ONE CREDIT UNION

Sunnyvale
1080 Enterprise Way, Suite 150
Sunnyvale, CA 94089
Enterprise Way & 11th Ave.

Cupertino
10991 North DeAnza Blvd.
Cupertino, CA 95014
DeAnza Blvd. & Homestead Road

San Jose
1090 Blossom Hill Road
San Jose, CA 95123
Blossom Hill Road & Almaden Expwy

San Jose
3136 Stevens Creek Blvd.
San Jose, CA95117
Stevens Creek Blvd. & S. Winchester Blvd.

Palo Alto
3903 El Camino Real
Palo Alto, CA 94306
El Camino Real & Ventura Ave.

Saratoga
14411 Big Basin Way
Saratoga, CA 95070
Big Basin Way and Saratoga Ave.

Administration Building
1306 Bordeaux Dr
Sunnyvale, CA 94089

Mailing Address
Star One Credit Union
P.O. Box 3643
Sunnyvale, CA 94088-3643

Phone Numbers
866-543-5202 • 408-543-5202

WEB ADDRESS
www.starone.org

STR-1030 (06/2018)

VISA Credit Card
Agreement
and
Disclosure
Statement for:
Signature, 
Platinum Rewards 
& Platinum

06/2018

 
VISA CREDIT CARD AGREEMENT

1. DEFINITION OF PARTIES. This VISA Credit Card Agreement (“Agreement”) 
covers your VISA Credit Card (“Card”) issued through StarOne Credit Union. 
In  this Agreement  the  words “you,” “your,”  and “yours”  include  any  joint 
obligator, guarantor, authorized user, or the person whose name is embossed 
on the Card. The words “we,” “us,” and “our” mean Star One Credit Union.
2. AGREEMENT ACCEPTANCE. If you sign an application for any account 
under  this  Agreement  or  sign  or  use  any  Card(s)  issued  or  Personal 
Identification Number (PIN); or allow others to use the account, Card(s) or 
PIN,  you  and  they  will  have  accepted  this Agreement  just  as  if  you  and 
they signed it, and you and they, jointly and severally, will be bound by the 
following terms and conditions.
3. SIGN YOUR CARD. Immediately sign the signature panel on the back of 
your Card upon receipt. The Card must be signed in order to be valid.
4. VISA CREDIT LINE. We have established and advised you of the “Credit 
Line,” which is the limit on the total balance that may be outstanding in 
your  account  at  any  one  time. Your VISA  Credit  Line  is  to  be  considered 
a  signature  loan.  The  maximum  signature  limit  cannot  be  exceeded. 
Therefore, other outstanding signature loans must be taken into account 
when  your  VISA  Credit  Line  is  established.  You  agree  not  to  attempt  to 
obtain  more  credit  than  the  amount  of  your  Credit  Line.  However,  if  you 
temporarily exceed your VISA Credit Line, you agree to repay the excess 
immediately, even if we have not yet billed you. Obtaining such credit does 
not  increase  your VISA  Credit  Line;  however,  we  can  increase  your VISA 
Credit Line at our sole discretion.
5. USING YOUR CARD. You may use your account for purchases of services 
and  merchandise  from  participating  merchants  that  honor  your  Card. 
You may also use your Card to obtain a cash advance from participating 
financial  institutions.  Neither  we  nor  any  merchants  authorized  to  honor 
the Card will be responsible for the failure or refusal of anyone to honor the 
Card or any other credit instruments or devices we supply to you.
6. ILLEGAL OR UNLAWFUL TRANSACTIONS. You agree that you will not 
use the Card for any illegal or unlawful transaction, and we may decline to 
authorize any transaction that we believe poses an undue risk of illegality 
or  unlawfulness. You  agree  that  Star  One  Credit  Union  will  not  have  any 
liability, responsibility, or culpability whatsoever for any such use by you or 
any authorized user(s). You further agree to indemnify and hold Star One 
Credit Union harmless from any suits, liability, damages, or adverse action 
of any kind that results directly or indirectly from such illegal use.
7.  ATM  ACCESS  FOR  CASH  ADVANCES/ATM  CASH  ADVANCE  LIMITS. 
Your Card and Personal Identification Number (PIN) can be used to obtain 
cash advances from your VISA Credit Card account at Star One Credit Union 
ATMs and at other ATMs in the VISA ATM network and other such machines 
or facilities that we may designate. There are no fees for requesting cash 
advances  on  Star  One  Credit  Union  owned ATMs. There  may  be  fees  for 
cash advances at ATMs owned by other institutions. You may obtain cash 
advances against your account up to a maximum aggregate total of $500 
per day provided sufficient funds are available.
8.  CHECKING ACCOUNT  OVERDRAFT  COVERAGE.  Your VISA  Credit  Card 
may also provide Overdraft Coverage on your Star One Credit Union checking 
account. If you authorize us to link your Credit Card account to your checking 
account for overdraft coverage and the balance in your checking account is 
not sufficient to pay the transaction amount, we may treat the transaction 
as a request to access your VISA Credit Line. The funds may be transferred 
from your VISA Credit Line into your checking account in $100 increments. 
These transfers will be treated as cash advances. If sufficient credit is not 
available on your VISA Credit Card account to cover the amount of the check 
or  other  item,  we  will  be  unable  to  initiate  a  cash  advance  loan  advance 
under this Agreement for purposes of checking account overdraft coverage.
(a)  Limit: Your Checking Account Overdraft Coverage limit will be part 
of, and not in addition to, your total approved Credit Line under this 
Agreement.

(b)  Liability For Overdrafts Caused by Any Checking Account Signer: 
You understand that if advances are made against your VISA account 
to cover overdrafts to your checking account created by other persons 
with the right to access said checking account, you will be fully liable 
for such advances nonetheless.

9. YOU PROMISE TO PAY. You promise to pay us in United States dollars, 
by  cash,  check  or  money  order  as  provided  by  this Agreement,  all  such 
amounts, plus Interest Charges, which arise from such use of the Card or 
account by you or any other person, and to be jointly and severally liable 
with such a person, unless such other person does not have actual, implied, 
or apparent authority for such use, and you received no benefit for the use.
10. MINIMUM MONTHLY PAYMENT. We will mail you a statement every 
month  if  your  account  has  a  balance. You  agree  that  you  will  pay  each 
month  not  less  than  the  minimum  monthly  payment  on  or  before  the 
scheduled monthly due date. The minimum monthly payment will be 2.5% 
of  your  outstanding  balance  (“New  Balance”)  or  $20.00,  whichever  is 
greater.  If  your  outstanding  balance  is  $20.00  or  less,  you  agree  to  pay 
the  balance  in  full. You  may  pay  in  full  for  all  your  purchases  and  cash 
advances each month, or you may repay in monthly installments. We can 
accept  late  payments  or  partial  payments,  or  checks,  drafts,  or  money 
orders marked “payment in full” without prejudice to our rights under this 
Agreement, which are hereby explicitly reserved. A credit posting from a 
merchant or reversal of fees do not constitute a minimum payment. 
11.  AUTOMATIC  PAYMENT  OPTION.  If  you  have  elected  Automatic 
Payment  (or “AutoPay”),  the  Credit  Union  will  automatically  deduct  and 
transfer  your  monthly  VISA  Credit  Card  payment  from  your  designated 
Credit  Union,  checking  or  savings  account  on  the  scheduled  Payment 
Due Date. The Automatic Payment Option is voluntary, is not a condition 
of  credit  or  this Agreement  and  can  be  withdrawn  by  you  at  any  time. 
The  Automatic  Payment  option  remains  in  effect  until  the  Credit  Union 
receives notification from you terminating the arrangement. Your request 
for termination must give the Credit Union reasonable opportunity to act 
on it. When you elect AutoPay, you agree that we may adjust the automatic 
payment  amount  each  month  to  agree  to  either  the  minimum  monthly 
payment  (Required  Payment  Due)  or  “Payment  in  Full”  as  authorized 
by  you.  Notification  of  the  varying  payment  amount  due  and  scheduled 
payment due date will be satisfied by providing you with a monthly billing 
statement reflecting this information. If sufficient funds are not available to 
satisfy the total amount of the payment when due; we will take whatever 
funds are available each processing day between the payment due date 
and the account cycle date until the scheduled payment is satisfied. If due 
to insufficient funds we do not transfer funds to make your required VISA 
Credit Card payment, you will be responsible to ensure that the required 
VISA Credit Card payment is made.
12.  INTEREST  CHARGES.  The  total  outstanding  balance  of  purchases, 
cash, and overdraft advances in the Account on the closing date of any 
Billing Cycle, including any Interest Charges, will be shown on the Periodic 
Statement for that billing Cycle as the “New Balance.”
(a)  Purchases.  An  Interest  Charge  will  be  imposed  on  the  portion  of 
purchases  included  in  the  New  Balance  that  remains  unpaid  within 
25 days after the closing date. This “grace period” allows you to avoid 
an Interest Charge on purchases for a billing cycle. However, if you do 
not pay the New Balance for purchases within the grace period, your 
Interest Charge will accrue on any unpaid purchase transactions from 
the date of purchase.

(b)  Cash/Overdraft/Balance Transfer Advances An Interest Charge will 
be  imposed  on  Cash/Overdraft/Balance  Transfer  Advances  from  the 
date posted to the account to the date paid.

13. BALANCE COMPUTATION METHOD. The Credit Union figures the Interest 
Charge  on  your  account  by  starting  with  your  Daily  Balance  (excluding 
unpaid Interest Charges) and multiplying that number by the number of days 
during the Billing Cycle during which you had that balance. We do this for 
each balance you have during the Billing Cycle and add up the results. That 
total is the balance used to determine your Interest Charge and is divided 

by the number of days in the Billing Cycle, then multiplied by the Annual 
Percentage Rate (APR), then divided by 365 days, and then multiplied by the 
number of days in the Billing Cycle to get your Interest Charge for the Billing 
Cycle. Interest Charges start to accrue on loan advances and on purchases 
from the date the loan advance or purchase is posted to your account and 
your loan balance is reduced when the Credit Union receives your payment 
or enters a credit. An Interest Charge will not be imposed on the portion of 
purchases that are paid within 25 days after the closing date.
14. DAILY PERIODIC RATE AND ANNUAL PERCENTAGE RATE. 
(a)  VISA  Signature  Cards  -  The  Daily  Periodic  Rate  used  to  compute 
the Interest Charge on VISA Signature Accounts is .0239726% with a 
8.75% Annual Percentage Rate.

(b)  VISA  Platinum  Reward  Cards  -  The  Daily  Periodic  Rate  used  to 
compute  the  Interest  Charge  on VISA  Platinum  Reward Accounts  is: 
.0239726% with a 8.75% Annual Percentage Rate, .0267123% with 
a  9.75%  Annual  Percentage  Rate,  and  .0349315%  with  a  12.75% 
Annual Percentage Rate, based on your credit qualification.

(c)  VISA  Platinum  Cards  -  The  Daily  Periodic  Rate  used  to  compute 
the  Interest  Charge  on VISA  Platinum Accounts  is:  .0212329%  with 
a 7.75% Annual Percentage Rate, .0239726% with a 8.75% Annual 
Percentage Rate, .0321918% with a 11.75% Annual Percentage Rate, 
and  .0376712%  with  a  13.75%  Annual  Percentage  Rate,  based  on 
your credit qualification.

The applicable Annual Percentage Rate for your account is stated on your 
VISA Credit Card approval letter.
The Interest Charge for any Billing Cycle will be the sum of the Interest 
Charge for purchases and the Interest Charge for cash advances.
15. PROMOTIONAL RATES. From time to time, we may offer promotional 
Periodic  Rates  and  Annual  Percentage  Rates  lower  than  the  Periodic 
Rate  and Annual  Percentage  Rates  (“Promotional  Rates”)  stated  in  this 
Agreement. The terms of any promotional rates will be disclosed to you at 
the time of the promotion in a separate addendum which will become part 
of this Agreement. At the end of the promotional period, the Periodic Rate 
and Annual Percentage Rate for your account will be the same terms as 
set forth in this Agreement.
16. OTHER FEES AND CHARGES.
(a)  Late Payment Charge - If your Minimum Payment is not paid within 
10 days after the Payment Due Date, you will be subject to a $10.00 
charge or the maximum late charge allowed by applicable law.

(b)  Returned  Payment  - A  $15.00  charge  will  be  made  for  a  returned 
payment from a member or $10.00 if the returned payment is from a 
non-member, regardless of the reason. 

(c)  Research  and  Copying  -  If  you  ask  us  to  examine  your  account  or 
provide copies of documents, except in resolution of a billing error, we 
may charge you $3.00 for each statement copy and a $28.00 charge per 
hour may be imposed for the time we spend to research your account.

(d) Annual Membership Fee - None
(e)  ATM Fees - If you use an ATM to obtain a cash advance and the ATM is not 
operated by us, you may be charged an ATM surcharge by the ATM operator 
or an ATM network utilized for such a transaction. The ATM surcharge may 
be charged to your account if you complete the transaction.

f)  Replacement Card Fee. If you request a replacement card, you agree 
the 1st request per year is free and all subsequent requests are $5.00.
g)  Currency Conversion. Purchases and cash advances made in foreign 
currencies  will  be  billed  in  U.S.  dollars.  The  conversion  rate  in  U.S. 
dollars will be either at the government mandated rate or a wholesale 
currency market rate determined by VISA® for the processing cycle in 
which the transaction is processed. The currency conversion rate used 
by VISA® on the processing date may differ from the rate that would 
have been used on the purchase date or card holder statement posting 
date. The Credit Union has no control over the conversion rate.

17. PAYMENTS.  We will apply your payments first to any billed fees, then 

to late charges, then to the Interest Charges on both purchases and cash 
advances, then to the principal balances of purchases in the order they 
were posted to your account, and then to the principal balance of cash 
advances. If two or more purchases were posted on the same day, your 
payment will be applied to the smallest first.
18.  PERIODIC  STATEMENTS.    If,  at  the  end  of  any  monthly  periodic 
interval  which  we  may  determine  (the  “Billing  Cycle”),  you  have  an 
outstanding undisputed debit or credit balance in your account, or if there 
is an Interest Charge imposed with respect to your account, we will send 
you a periodic statement for that Billing Cycle.
19. ACCOUNT  STATEMENT.    Unless  you  notify  us  of  a  billing  error  as 
described  below,  you  accept  your  periodic  statements  as  accurate 
statements of your account with us.
20. USE OF THE ACCOUNT BY OTHERS.  If you permit another person to 
use your account at anytime, you agree to pay for (1) any transactions 
made  by  that  person  and  (2)  charges  imposed  on  those  transactions, 
even  if  the  amount  of  the  actual  use  exceeds  your  permission  to  the 
extent  allowed  by  applicable  law.  For  California  residents,  a  married 
applicant  may  apply  for  a  separate  Account.  After  credit  approval,  
borrowers may, use the Account up to its credit limit and may be liable for 
amounts extended under the plan to any joint applicant or co-borrower.
21. LIABILITY FOR UNAUTHORIZED USE/ LOST/STOLEN NOTIFICATION.  
You agree to notify us immediately, orally or in writing at Star One Credit 
Union,  P.O.  Box  3643,  Sunnyvale,  California  94088-3643,  telephone  408 
543-5202 or 866 543-5202 of the loss, theft, or unauthorized use of your 
Card  or  other  credit  instrument  or  device  that  we  supply  to  you.  If  you 
notify us of your lost or stolen Credit Card after discovery, you may not be 
liable  for  any  losses  related  to  credit  transactions. This  zero  liability  will 
apply provided you promptly notify us of your lost or stolen Credit Card and 
you were not negligent or fraudulent in handling your Card; otherwise your 
liability for unauthorized Visa Credit Card transactions may be up to $50.
You agree to assist us in determining the facts, circumstances, and other 
pertinent information related to any loss, theft, or possible unauthorized 
use  of  your  Card,  Account  Number  or  PIN  and  to  comply  with  such 
procedures as we may require with our processing and investigation.
22. IRREGULAR PAYMENTS.   We can accept late payments or partial 
payments,  or  checks  and  money  orders  marked  “payment  in  full” 
without prejudice to our rights under this Agreement, which are hereby 
explicitly reserved.
23. DEFAULT.  You will be in default if you fail to pay as agreed, fail to comply 
with any provision of this Agreement, if you provide us with false information 
or signature, if you default on any account or other obligation that you have 
with us, or if you die, become insolvent, or file bankruptcy.
24. ATTORNEYS FEES AND COSTS.  If you default on any part of this 
Agreement,  you  agree  to  pay  us  all  costs  to  collect  your  account, 
including court costs and reasonable attorneys fees whether or not there 
is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, 
appeals, and any post-judgment collection services, if applicable.
25. TERMINATION.  We may terminate or suspend your credit privileges 
under this Agreement, at any time, in our sole discretion without demand 
or  notice.  If  we  are  required  by  law  to  give  you  a  reason  for  adverse 
action for credit denied, we will do so. You must notify us in writing if 
you decide to terminate the Agreement. If you terminate this Agreement 
or  if  we  terminate  or  suspend  your  credit  privileges,  the  provisions  of 
the Agreement and your liability hereunder shall otherwise remain in full 
force and effect until all cards or credit instruments or devices issued to 
you have been canceled and/or returned to us and you have paid us all 
sums due us.

26.  NON-REISSUANCE.    For  security  purposes,  Star  One  Credit  Union 
VISA Credit Cards are reissued every three years. If at the time of reissue 
your VISA Credit Card Account has been inactive for at least 12 months, 
we reserve the right to not reissue you a new Card and may close your 
VISA account.