VISIONS FEDERAL CREDIT UNION 

Visa and MasterCard Card logo
CLASSIC MASTERCARD/VISA PLATINUM/VISA GOLD/
VISA CLASSIC/ GOLD MASTERCARD
CONSUMER CREDIT CARD AGREEMENT

USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the
Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this
Consumer Credit Card Agreement and is part of the Agreement. In this Agreement the words "you,"
“your,” and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means
the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you;
"account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit Union"
means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union
transfers this Agreement.
1.
establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash
advances, finance charges, plus "other charges") which you will have outstanding on your account at any
time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the
Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject
to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically
(notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your
right to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In
the event you opt in to such a program, you agree to the terms of such a program. You may request an
increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may
increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any
time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account,
we may, from time to time, issue convenience checks to you that may be drawn on your account.
Convenience checks may not be used to make a payment on your account balance. If you use a
convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to
pay a convenience check drawn on your account for any reason and such refusal shall not constitute
wrongful dishonor.
You may request that we stop the payment of a convenience check drawn on your account. You agree to
pay any fee imposed to stop a payment on a convenience check issued on your account. You may make
a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in
advance of the presentment of the check for payment to give us a reasonable opportunity to act on your
request. In addition, your request must accurately describe the check including the exact account
number, the payee, any check number that may be applicable, and the exact amount of the check. If
permitted, you may make a stop payment request orally but such a request will expire after 14 days
unless you confirm your request in writing within that time. Written stop payment orders are effective only
for six (6) months and may be renewed for additional six month periods by requesting in writing that the
stop payment order be renewed. We are not required to notify you when a stop payment order expires. If
we re-credit your account after paying a check or draft over a valid and timely stop payment order, you
agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against
the payee or other holders of the check or draft and to assist us in any legal action. You agree to
indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or
claims, related to our honoring your stop payment request or in failing to stop payment of an item as a
provided to us or the giving of inadequate time to act upon a stop payment request. 
2.
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card
Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants
and others who accept your card. The credit union is not responsible for the refusal of any merchant or
financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may
be required to provide card number security information before you will be permitted to complete the
transaction. In addition, you may obtain cash advances from the Credit Union, from other financial
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs

USING YOUR CARD — You understand that the use of your credit card will constitute

PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and

PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance

accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a
personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN
issued to you for use with your card. You agree that you will not use your card for any transaction that is
illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you
will be responsible for all amounts and charges incurred in connection with the transaction. If you are
permitted to obtain cash advances on your account, you may also use your card to purchase instruments
and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to
your account as cash advances and include, but are not limited to, wire transfers, money orders, bets,
lottery tickets, and casino gaming chips. This paragraph shall not be interpreted as permitting or
authorizing any transaction that is illegal.
3.
transfers, use of convenience checks or any other charge) made to your account by you or anyone you
authorize to use your account. You also promise to pay all finance charges and other charges added to
your account under the terms of this Agreement or another agreement you made with the Credit Union. If
this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account.
4.
balance transfers are disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that
may be imposed for failing to make a payment by the payment due date is also disclosed on the
Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is
variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances,
balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying
this Agreement. The initial rate on your account for certain types of transactions may be an introductory
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of
transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be
effective is shown on the Disclosure accompanying this Agreement. After the Introductory Rate period
expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of
transaction based on the terms of this Agreement. 
5.
FINANCE CHARGES — 
VISA PLATINUM, VISA GOLD, VISA CLASSIC, AND GOLD MASTERCARD.  New purchases posted to
your account during a billing cycle will not incur a finance charge for that billing cycle. Finance charge
begins to accrue on those purchases from the first day of the next billing cycle, unless you paid the entire
new balance on the previous cycle’s billing statement by the payment due date of that statement. To
avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on
the billing statement by the payment due date of that statement. A finance charge begins to accrue on
cash advances from the date you get the cash advance or from the first day of the billing cycle in which
the cash advance is posted to your account, whichever is later.
The finance charge is calculated separately for purchases and cash advances. For purchases, the
finance charge is computed by applying the periodic rate to the average daily balance of purchases. To
compute the average daily balance of purchases, we take the beginning outstanding balance of
purchases each day and subtract any payments and/or credits that we apply to the purchase balance.
(We do not add in any purchases posted during the billing cycle.) This gives us the daily balance of
purchases. We then add all of the daily balances of purchases for the billing cycle together and divide the
total by the number of days in the billing cycle. This gives us the average daily balance of purchases. 
For cash advances, the finance charge is computed by applying the periodic rate to the average daily
balance of cash advances. To get the average daily balance of cash advances, we take the beginning
outstanding balance of cash advances each day, add in any new cash advances, and subtract any
payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of
cash advances. We then add all of the daily balances of cash advances for the billing cycle together and
divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash
advances. Balance transfers are calculated in the same manner as cash advances.
CLASSIC MASTERCARD.  New purchases posted to your account during a billing cycle will not incur a
finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle,
or you paid the entire new balance on the previous cycle's billing statement by the payment due date of
that statement; otherwise a finance charge will accrue from the date a purchase is posted to your
account. To avoid an additional finance charge on the balance of purchases, you must pay the entire new
balance on the billing statement by the payment due date of that statement. A finance charge begins to

FOREIGN TRANSACTIONS — 

accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle
in which the cash advance is posted to your account, whichever is later.
The finance charge is calculated separately for purchases and cash advances. For purchases, the
finance charge is computed by applying the periodic rate to the average daily balance of purchases. To
compute the average daily balance of purchases, we take the beginning outstanding balance of
purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us
the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle
together and divide the total by the number of days in the billing cycle. This gives us the average daily
balance of purchases. 
For cash advances, the finance charge is computed by applying the periodic rate to the average daily
balance of cash advances. To get the average daily balance of cash advances, we take the beginning
outstanding balance of cash advances each day, add in any new cash advances, and subtract any
payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of
cash advances. We then add all of the daily balances of cash advances for the billing cycle together and
divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash
advances. Balance transfers are calculated in the same manner as cash advances.
6.
MASTERCARD.  Purchases and cash advances made in foreign currencies will be debited from your
account in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is
either a government-mandated exchange rate or a wholesale exchange rate and is selected by
MasterCard. The rate MasterCard uses for a particular transaction is the rate MasterCard selects for the
applicable currency on the day the transaction is processed. This rate may differ from the rate applicable
on the date the transaction occurred or was posted to your account.
A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are
calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged
except where excluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying this
Agreement.
VISA.  Purchases and cash advances made in foreign currencies will be debited from your account in
U.S. dollars. The exchange rate between the transaction currency and the billing currency used for
processing international transactions is a rate selected by Visa from a range of rates available in
wholesale currency markets for the applicable central processing date, which rate may vary from the rate
Visa itself receives or the government-mandated rate in effect for the applicable central processing date.
The exchange rate used on the processing date may differ from the rate that would have been used on
the purchase date or cardholder statement posting date. 
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including
purchases, cash advances and credits to your account. A foreign transaction is any transaction that you
complete or a merchant completes on your card outside of the United States, with the exception of U.S.
military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set
forth on the Disclosure accompanying this Agreement.
7.
your account. If applicable to your account, the fee amounts and explanations are disclosed on the
Disclosure accompanying this Agreement. Your account may also be subject to additional fees as set
forth on the Disclosure accompanying this Agreement.
a.
account upon the issuance of your card. Each year following, the annual fee will be added to your account
during the same month that you were first charged the fee. The fee will be charged each year until your
account is closed and paid in full.
b.
be added to your account for each replacement card that is issued to you for any reason.
c.
added your account whenever you request a new pin number for your account.
d.
Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be
added to your account when you transfer a balance from an account of another creditor to the account
subject to this Agreement.
e.
(finance charge), the fee will be added to your account when you obtain a cash advance from an ATM,

Card Replacement Fee. If your account is subject to the Card Replacement Fee, a fee will

PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be

FEES — In addition to the periodic rate, the following additional fees may be imposed on

Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee

Annual Fee. If your account is subject to an Annual Fee, the fee will be added to your

Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign

Transaction Fee for Purchases. If your account is subject to a Transaction Fee for

Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added to

Over-the-Credit-Limit Fee. If you have elected the feature to allow your account to go over

Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will

Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited

the Credit Union or other financial institution. 
f.
Transaction Fee (finance charge), a fee may be added to your account for transactions made outside of
the United States or in a foreign currency. Transactions made in a foreign currency using a Visa branded
card or processed by a network operated or affiliated with Visa will be subject to a fee as set forth on the
Disclosure accompanying this Agreement. 
g.
Purchases, a fee will be added to your account for purchases as disclosed on the Disclosure
accompanying this Agreement.
h.
your account when you do not make the required minimum payment by or within the number of days of
the statement Payment Due Date set forth on the Disclosure accompanying this Agreement.
i.
your credit limit, we may charge you a fee as allowed by law. However, in no case will we impose an
over-the-limit fee except in the next two billing cycles unless you have obtained an additional extension of
credit in excess of such credit limit during each subsequent cycle or you have reduced the balance below
the credit limit as of the end of each bill cycle.
j.
be added to your account when a payment is returned to you for any reason.
k.
by applicable law and when the request is made in connection with a billing error made by the credit
union, a fee may be added to your account for each copy of a sales draft or statement that you request.
Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited
l.
by applicable law, a fee may be added to your account for each copy of a sales draft or statement that
you request (except when the request is made in connection with a billing error made by the Credit
Union).
Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a
m.
fee may be added to your account for each rush card that you request, providing delivery of the card is
also available by standard mail service, without paying a fee for delivery.
8.
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). For our Classic MasterCard, the minimum payment is 2.00% of your total new balance, or
$25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made,
and any amount you are over your credit limit.  For our Visa Platinum, the minimum payment is 2.00% of
your total new balance, or $50.00, whichever is greater, plus the amount of any prior minimum payments
that you have not made, and any amount you are over your credit limit. For our Visa Gold, the minimum
payment is 3.00% of your total new balance, or $50.00, whichever is greater, plus the amount of any prior
minimum payments that you have not made, and any amount you are over your credit limit. For our Visa
Classic, the minimum payment is 3.00% of your total new balance, or $25.00, whichever is greater, plus
the amount of any prior minimum payments that you have not made, and any amount you are over your
credit limit.  For our Gold MasterCard, the minimum payment is 2.00% of your total new balance, or
$50.00, whichever is greater, plus the amount of any prior minimum payments that you have not made,
and any amount you are over your credit limit.  In addition to the minimum payment, you must also pay,
by the date specified above, the amount of any prior minimum payment(s) that you have not made, all
outstanding unpaid fees and charges, and any amount you are over your credit limit. The Credit Union
also has the right to demand immediate payment of any amount by which you are over your credit limit. 
9.
what you owe the Credit Union in any manner the Credit Union chooses. However, in every case, in the
event you make a payment in excess of the required minimum periodic payment, the Credit Union will
allocate the excess amount first to the balance with the highest annual percentage rate and any
remaining portion to the other balances in descending order based on applicable annual percentage rate. 
10.
Commercial Code and under any common law rights the Credit Union may have in any goods you
purchase. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares,

SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform

PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to

PAYMENTS — Each month you must pay at least the minimum payment shown on your

LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — 

DEFAULT — You will be in default if you fail to make any minimum payment or other

your pledged shares will secure your account. You may not withdraw amounts that have been specifically
pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount. 
Your Account is secured by all other shares you have in any individual or joint account with the Credit
Union, except for shares in an Individual Retirement Account or in any other account that would lose
special tax treatment under state or federal law if given as security. These other shares may be
withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the
balance in your individual or joint share accounts to pay any amounts due on your Account if you should
default.
Collateral securing other loans you have with the Credit Union may also secure this loan, except that a
dwelling will never be considered as security for this account, notwithstanding anything to the contrary in
any other agreement. 
11.
required payment by the date that it is due. You will be in default if you break any promise you make
under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is,
unable to pay your obligations when they become due. You will be in default if you make any false or
misleading statements in any credit application or credit update. You will also be in default if something
happens that the Credit Union believes may substantially reduce your ability to repay what you owe.
When you are in default, the Credit Union has the right to demand immediate payment of your full
account balance without giving you notice. If immediate payment is demanded, you agree to continue
paying finance charges at the periodic rate charged before default, until what you owe has been paid, and
any shares that were given as security for your account may be applied towards what you owe.
12.
MASTERCARD.  You agree to notify us immediately, orally or in writing, at 24 McKinley Ave., Endicott,
NY 13760 or telephone (607) 754-7900 Monday through Friday 8:00 a.m. to 5:00 p.m. or (800) 453-4270
seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You
may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that
occurs after you notify us of the loss, theft, or possible unauthorized use. However, if you exercise
reasonable care in safeguarding your card from risk of loss or theft, if you have not reported two (2) or
more incidents of unauthorized use in the last 12 months, and if your account is in good standing, you will
not be liable for any unauthorized purchase transactions. In any case, your liability will not exceed $50.00.
VISA.  You agree to notify us immediately, orally or in writing, at 24 McKinley Ave., Endicott, NY 13760 or
telephone (607) 754-7900 Monday through Friday 8:00 a.m. to 5:00 p.m. or (800) 453-4270 seven (7)
days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable
for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after
you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized
purchases made with your credit card, unless you are grossly negligent in the handling of your card. In
any case, your liability will not exceed $50.00.
13.
may change the terms of this Agreement and any attached Disclosure from time to time. Notice of any
change will be given in accordance with applicable law. If permitted by law and specified in the notice to
you, the change will apply to your existing account balance as well as to future transactions.
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the
Credit Union will not affect your obligation to pay the account balance plus any finance and other charges
you owe under this Agreement. Your obligation to pay the account balance plus any finance and other
charges you owe under this agreement are subject to all applicable laws and regulations regarding
repayment requirements. You are also responsible for all transactions made to your account after
termination, unless the transactions were unauthorized.
The card or cards you receive remain the property of the Credit Union and you must recover and
surrender to the Credit Union all cards upon request or upon termination of this Agreement whether by
you or the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement
also applies to termination of the account. 
14.
issue additional cards for authorized users that you designate. You must notify us in writing of any
termination of an authorized user's right to access your account. Your letter must include the name of the
authorized user and your account number and/or any subaccount number issued to the authorized user
along with the authorized user's card and any convenience or other access checks issued to the

CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union

CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may

MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any

RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give

authorized user. If you cannot return the authorized user's card or access checks and if you request your
account to be closed, we will close your account and you may apply for a new account.
15.
CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to
investigate your credit standing when opening or reviewing your account. You authorize the Credit Union
to disclose information regarding your account to credit bureaus and creditors who inquire about your
credit standing. If your account is eligible for emergency cash and/or emergency card replacement
services, and you request such services, you agree that we may provide personal information about you
and your account that is necessary to provide you with the requested service(s).
16.
credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be
posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount
will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or
more, it will be refunded upon your written request or automatically after six (6) months.
ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to
17.
time offer additional services to your account, such as travel accident insurance, at no additional cost to
you. You understand that the Credit Union is not obligated to offer such services and may withdraw or
change them at any time.
18.
merchant or financial institution to honor your card. The Credit Union is subject to claims and defenses
(other than tort claims) arising out of goods or services you purchase with the card if you have made a
good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and
(a) your purchase was made in response to an advertisement the Credit Union sent or participated in
sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100
miles of your home.
19.
JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly
responsible for paying all amounts owed under this Agreement. This means that the Credit Union can
require any one of you individually to repay the entire amount owed under this Agreement. Each of you
authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate
the account and the termination will be effective as to all of you.
20.
transactions on your account even though the sales, cash advances, credit or other slips you sign or
receive may contain different terms.
21.
without losing them.
22.
appropriate address you have given the Credit Union. Notice sent to any one of you will be considered
notice to all. 
23.
final expression of the terms and conditions of your account. This written Agreement and Disclosure may
not be contradicted by evidence of any alleged oral agreement. Should any part of this Agreement or the
Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall
remain in effect and fully enforceable to the fullest extent possible under this Agreement.
24.
and Disclosure.
25.
initiate any type of electronic gambling transaction through the Internet.
26.
PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account,
including the rates for purchases, cash advances, and balance transfers, will increase to the Penalty Rate
shown on the Disclosure accompanying this Agreement when you meet one or more of the conditions as
set forth in the Disclosure. Any rate increases applied to your account are subject to applicable notice
requirements. Please refer to the Disclosure for additional information regarding the Penalty Rate.
27.
VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to
you. Voluntary Payment Protection is not necessary to obtain credit. If you purchase Voluntary Payment
Protection from us, you authorize us to add the fees or insurance charges monthly to your loan balance
and charge you interest on the entire balance. At our option we will change your payment or the period of
time necessary to repay the loan balance. The rate used to determine the fees or insurance charges may

NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times

SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the

INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to

COPY RECEIVED — You acknowledge that you have received a copy of this Agreement

STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the

EFFECT OF AGREEMENT — This Agreement is the contract which applies to all

NOTICE TO ALABAMA BORROWERS — CAUTION: IT IS IMPORTANT THAT YOU

THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER —

NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the

change in the future. If the rate changes, we will provide any notices required by applicable law. 
28.
agreement between you and the Credit Union. This written agreement may not be contradicted by
evidence of any oral agreement.
29.
YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT
OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO
COLLECT FROM YOU.
30.
THOROUGHLY READ THIS AGREEMENT BEFORE YOU SIGN IT.
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Visions Federal Credit Union
24 McKinley Ave.
Endicott, NY 13760
You may also contact us on the Web: www.vfcu.org
In your letter, give us the following information:

-
-
-

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what

you believe is wrong and why you believe it is a mistake.
You must contact us:

-
-

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you

want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we
are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.

Within 30 days of receiving your letter, we must tell you that we received your

letter. We will also tell you if we have already corrected the error.

2.

Within 90 days of receiving your letter, we must either correct the error or

explain why we believe the bill was correct. 
While we investigate whether or not there has been an error:

that amount.

-

-

We cannot try to collect the amount in question, or report you as delinquent on

The charge in question may remain on your statement, and we may continue to

charge you interest on that amount.

-

While you do not have to pay the amount in question, you are responsible for

the remainder of your balance.

-

We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen:

-

If we made a mistake: You will not have to pay the amount in question or any

interest or other fees related to that amount.

-

If we do not believe there was a mistake: You will have to pay the amount in
question, along with applicable interest and fees. We will send you a statement of the amount you owe
and the date payment is due. We may then report you as delinquent if you do not pay the amount we
think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that
you are questioning your bill. We must tell you the name of anyone to whom we reported you as
delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question
even if your bill is correct.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.
To use this right, all of the following must be true:

1.

The purchase must have been made in your home state or within 100 miles of

your current mailing address, and the purchase price must have been more than $50. (Note: Neither of
these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the
company that sold you the goods or services.)

2.

You must have used your credit card for the purchase. Purchases made with

cash advances from an ATM or with a check that accesses your credit card account do not qualify.

3.

You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or
electronically] at:
Visions Federal Credit Union
24 McKinley Ave.
Endicott, NY 13760
www.vfcu.org
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.
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 (2) limitations on this right:

-

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

-

The purchase price must have been more than $50.00.

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

VISIONS FCU

CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card
Agreement.
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases - This APR will vary with the market based on the 5-Year
U.S. Treasury Note.
APR for Cash Advances - This APR will vary with the market based on the 5-Year U.S. Treasury Note.
APR for Balance Transfers - This APR will vary with the market based on the 5-Year U.S. Treasury Note.
Paying Interest - We will begin charging interest on purchases, cash advances, and balance transfers on
the transaction date. 
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 Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.

How We Will Calculate Your Balance. We use a method called “average daily balance (including new
purchases).” See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is
provided in your account Agreement. 

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement,
including court costs and reasonable attorney's fees. 

Periodic Rates.
The Purchase APR is     which is a daily periodic rate of     .
The Cash Advance APR is     which is a daily periodic rate of    .
The Balance Transfer APR is    which is a daily periodic rate of    .

Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle to reflect any
change in the Index and will be determined by the 5-Year U.S. Treasury Note on the 15th day of the
previous calendar month or the preceding business day as published in The Wall Street Journal "Money
Rates" table. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the
ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum
Payments on the statement.
If the Index is no longer available, the Credit Union will choose a new index which is based upon
comparable information.

Margin.
Purchases will be charged at     above the Index.
Cash advances will be charged at     above the Index.
Balance transfers will be charged at     above the Index.

LOANLINER
©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED

DNYHU2 (MXC400 CCM000)

Pricing Addendum
MasterCard

Grace Period
None

Late Payment Fee
$20.00 or the amount of the minimum required payment, whichever is less

Purchase APR – Variable Rate
The 5 year US Treasury Note plus between 5.25 to 13.25 percentage points

Maximum APR is 18% corresponding daily periodic rate is .04932%

Cash Advance APR – Variable Rate
The 5 year US Treasury Note plus between 5.25 to 13.25 percentage points

Maximum APR is 18% corresponding maximum daily periodic rate of .04932%

Penalty APR
None

Minimum Finance Charge
None

Cash Advance Fee
None

Balance Transfer Fee

None

Returned Payment Fee
$20.00 or the amount of the required minimum payment, whichever is less

Over Limit Fee
$20.00 or the amount of the transaction exceeding your credit limit, whichever is less

Annual Fee
$12.00 per year

Statement copy Fee
$3.00

Document Copy Fee
$12.00

Rush Fee
$15.85

Card Replacement Fee
$5.00

Pin Replacement Fee
$5.00

Foreign Transaction Fee
Up to 1.00% of each transaction in US dollars