SAFE Share Secured Visa® Credit Card 

PRICING INFORMATION 
Variable rates are based on the Prime Rate 
as of January 2, 2019. 

Annual Percentage Rate (APR) for 
Purchases 

Rates based on the Prime Rate 

Annual Percentage Rate (APR) for 
Balance Transfers and Cash Advances 

Minimum Interest Charge 

Transaction Fees 

Balance Transfer 
Cash Advance % of Transaction  

Foreign Transaction 

Account Fees 
Annual 
Late Payment 
Returned Payment 

(APR = Annual Percentage Rate)  
(MPR = Monthly Periodic Rate) 

Prime + 11.24%  
(APR) 16.74% 
(MPR) 1.395%   
Prime + 11.24% 
(APR) 16.74% 
(MPR) 1.395% 
None 

None 
3% (min: $10 to max: uncapped) No fee for cash 
advances taken at any SAFE ATM, through CALL-24 
Phone Banking, or through SAFE Online Banking. 
Up to 1% of the transaction amount in U.S. dollars 

$15  
$15 or minimum payment amount, whichever is less 
Up to $10 

Variable Rate Information 
Variable Rates are calculated by adding together an index and a margin. This index is the Prime Rate as 
published in the Wall Street Journal on the 15th of each month. An increase or decrease in the index will 
cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle 
that begins in the same month in which the index is published. An increase in the index means that you 
will pay higher interest charges and have a higher Total Minimum Payment Due. 

Interest Rate Adjustment 
An interest rate adjustment will occur when your account is 60 days or more past due. If your account is 
60  days  past  due,  the  interest  rate  for  existing  and  new  balances  will  be  increased  to  an  ANNUAL 
PERCENTAGE  RATE  of  21.90%.  This  interest  rate  increase  will  be  effective  beginning  after  45-day 
notice is provided to you. The interest rate adjustment will terminate if you make the required minimum 
payments for six consecutive months. 

Paying Interest 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances and balance transfers as of the transaction date. 

Balance Subject to Interest Rate 
Average Daily Balance Method (including new Purchases): 
We figure the interest charge on your account by applying the periodic rate to the "average daily balance" 
of your account. To get the "average daily balance" we take the beginning balance of your account each 
day,  add  any  new  purchases,  advances  and  fees,  and  subtract  any  unpaid  interest  or  other  finance 
charges  and  any  payments  or  credits.  This  gives  us  the  daily  balance.  Then,  we  add  up  all  the  daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us 
the "average daily balance." 

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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Credit Card Agreement and 
Truth-in-Lending Disclosure 

In this Agreement, the words you and your mean each and all of those who are approved for the credit card account. 
Card means the Visa Credit Card and any duplicates and renewals we issue.  Account means your open-end credit 
card Account with us, whether the Account is accessed using a Card, the number embossed on the Card, special 
checks we may issue that allow you to access the Account, or other devices such as mobile apps that allow you to 
initiate credit transactions to the Account. We, us, and ours mean SAFE Credit Union (“SAFE”). 

This  agreement  applies  to  SAFE  Platinum  Visa  Credit  Card,  SAFE  Platinum  Rewards  Visa  Credit  Card,  SAFE 
Platinum  Cash  Rewards  Visa  Credit  Card,  SAFE  Platinum  Secured  Visa  Credit  Card,  SAFE  Platinum  Rewards 
Secured Visa Credit Card, and SAFE Platinum Cash Rewards Secured Visa Credit Card. 

Agreement: By applying for, using, or permitting others to use the Card or Account, you agree to the terms and 
conditions contained in this Agreement. If you do not agree to these terms and conditions, DO NOT USE the Card 
and notify us immediately that you wish to cancel your Account. 

Using Your Account: You can use your Account in the following ways. Other methods of accessing your Account 
for transactions may become available in the future. 

(a)  You  can  present  your  Card  or  Card  number  to  initiate  purchase  and  cash  advance  transactions  with 
merchants and others who honor Visa cards. For remote transactions such as purchases made over the 
telephone or online, you may need to provide the Card expiration date and security code. If you give your 
Account information to a third party to authorize recurring payments, such as gym membership dues, you 
must notify the third party when you revoke your authorization.  

(b)  You can input your Account information into mobile payment applications, such as Apple Pay® and Android 
Pay™, on mobile devices and use those payment applications to initiate payments. These payments will be 
treated as purchases for purposes of accrual of interest on your Account balance. 

(c)  You can write special checks we may, from time to time, issue on your Account to any lawful payee. Use of 
special checks will be treated as cash advances for purposes of accrual of interest on your Account balance. 
The following rules apply to use of special checks: (i) You can stop payment on a special check if you submit 
a stop payment request to us at least 24 hours before the check is presented to us for payment by the payee. 
You  must  give  us  the  Account  number,  special  check  number,  and  exact  amount  of  the  check.  If  this 
information  is  not  absolutely  accurate,  we  will  not  be  liable  for  failure  to  stop  the  payment  because  our 
automated payment system may not be able to find the check. (ii) The fee for stopping payment on a special 
check is the same as for stopping payment on a SAFE check (share draft). Please refer to the SAFE Fee 
Schedule. (iii) We operate in an automated processing environment and do not physically examine signatures 
on special checks. You must report any unauthorized special check no later than 60 days after the first billing 
statement on which it appears, or we will not be responsible for any loss resulting from payment of the check. 
(iv) Merchants may convert special checks you write to electronic (automated clearinghouse/ACH) payments; 
for example: special checks you write to pay bills (ARC [accounts receivable] entries) or to pay merchants 
for goods or services (POP [point-of-purchase] entries and BOC [back office conversion entries]). Payees 
and merchants who may convert your special checks to ACH entries are required to notify you in writing that 
they may do so. Your rights and responsibilities with respect to all ACH entries are governed by California 
law, Consumer Financial Protection Bureau, Regulation E, and ACH rules.  

(d)  You can use your Card and PIN at SAFE ATMs and other ATMs that honor Visa Cards to obtain a cash 
advance. Cash advance fees apply to the use of your Card at ATMs. In addition, if you use an ATM that is 
not operated by SAFE, that ATM operator may charge a fee for use of their ATM, which they are required by 
law to disclose to you before you become obligated to pay. The following rules apply to ATM cash advances 
using your Visa Card: (i) The amount of cash you can obtain may be limited by your available credit or limits 
set by the operator of the ATM you are using. (ii) We will not be liable to you if the transaction is declined due 
to you not having sufficient available credit, the ATM you were using was not working properly, your Card or 
PIN  is  subject  to  a  block,  or  circumstances  beyond  our  control  such  as  fire,  flood,  or  failure  of  a  central 
processing  facility.  (iii)  Use  common  sense  and  reasonable  care  in  using  ATMs,  especially  at  night.  We 
cannot guarantee the safety of any ATM location.   

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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(e)  Certain types of transactions may be coded as cash advances by the merchant to which you present your 
Card or Account number. We will treat these transactions as cash advances for purposes of accrual of interest 
on your Account balance. Examples of such transactions include, but are not limited to, (i) wire transfers, (ii) 
money order purchases, (iii) bets, (iv) lottery tickets, and (v) casino gaming chips.  

Our Right to Refuse to Honor Transactions: We may refuse to honor transactions initiated on your Account for 
any  lawful  reason,  including  but  not  limited  to  the  following:  (a)  you  are  in  default  on  the  Account  or  any  other 
obligation you have to SAFE, (b) a merchant hold causes you to reach or exceed your credit limit or the transaction 
would  otherwise  cause  you  to  exceed  your  credit  limit,  or  (c)  we  reasonably  suspect  the  transaction  is  illegal  or 
fraudulent. If we detect unusual or suspicious activity, we may decline to authorize a transaction or suspend access 
to your Account until we can verify that the suspicious transaction is authorized. If you plan to travel or make large 
purchases, the risk that your transaction will be declined may be reduced if you notify us of your plans in advance. 

Prohibition Against Illegal Transactions: You agree you will not use or permit others to use the Card or Account 
for transactions that violate applicable laws or regulations. For example, you will not use or permit use of the Card 
for illegal online gambling. By initiating or allowing others to initiate a transaction using the Card or Account, you 
warrant to us that the transaction is lawful. We have the right, but not the obligation, to refuse to honor any transaction 
we reasonably believe to be illegal. You cannot use the actual or alleged illegality of an authorized transaction as a 
defense to your obligation to pay what you owe. You agree that you will at your sole cost defend, indemnify and hold 
SAFE  harmless  from  any  claim  to  which  we  become  subject  as  a  result  of  the  use  of  your  Account  for  actual  or 
alleged illegal transactions.  

Honest Dealing: You agree to promptly notify us any changes in your name, address, e-mail address, or telephone 
numbers(s).  You  may  notify  us  through  SAFE  Online  Banking,  write  to  us  separately,  call  us,  or  complete  the 
Address/Phone  Number  Change  section  provided  on  your  monthly  statement.  You  agree  that  SAFE  can  correct 
clerical errors, including but not limited to errors in rates and fees quoted to you, provided we do so in good faith.  

Credit Limit: We will set your credit limit based on our evaluation of your creditworthiness and our policies. In some 
cases, the assessment of interest or fees may cause your Account balance to exceed your credit limit. You agree to 
repay any amount by which your Account balance exceeds your credit limit immediately upon our demand. We may 
change your credit limit or terminate your Account based on a variety of factors, such as your payment and transaction 
history with us and information we receive from third parties, including credit reporting agencies. You may request an 
increase in your credit limit by submitting an application.  

Changes in Terms: We reserve the right to make changes to this Agreement from time to time by sending you any 
advance  written  notice  required  by  law  and  subject  to  legal  requirements.  Changes  may  include,  but  are  not 
necessarily limited to, changes in the interest rate, fees, and other terms. By keeping the Account open after the 
effective date of the changes, you consent to the changes. You agree that if we change your Card and/or Account 
number in connection with a Card reissue, replacement of a lost or stolen Card or other permissible reason, we have 
permission to notify Visa. For participating merchants, the Visa Account Updater service will automatically update 
your Card and Account number so that any transactions you have already authorized and payment services to which 
you have linked your Account (for example PayPal or Apple Pay) will continue uninterrupted. 

Responsibility for Payment: You agree to repay purchases, balance transfers, and cash advances initiated by 
you or any person to whom you have given permission to use the Account plus associated interest and fees. By 
making your Card, Card number, or any other access device available to a person, you are making that person a 
Permissive User of your Account and he/she can initiate any transaction you could initiate yourself, even if it exceeds 
the scope of your permission. If you submit an authenticated written request to issue a Card to a person other than 
yourself,  we  will  issue  the  Card  per  your  request  and  that  person  will  become  an  Authorized  Cardholder  of  your 
Account.  You  are  responsible  for  repayment  of  all  transactions  initiated  by  Permissive  Users  and  Authorized 
Cardholders plus associated interest and fees. We are not subject to agreements between you and Permissive Users 
or Authorized Cardholders limiting their use of your Card or the Account unless we have agreed in writing to establish 
a limit on an Authorized Cardholder’s Card that is lower than the limit on the Account. Your obligation to pay the 
Account balance continues even though an agreement, divorce decree, or other court judgment to which we are not 
a party may direct you or one of the other persons responsible to pay the Account. We reserve the right to decline 
to issue Authorized Cardholder Cards for any lawful reason. If you want to terminate an Authorized Cardholder’s 
use  of  the  Account,  you  must  notify  us  in  writing.  You  will  remain  responsible  for  all  of  the  Authorized 
Cardholder’s transactions initiated prior to our receipt of your written notice.  

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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Payments: Each month you must pay at least the minimum payment shown on your statement by the date specified 
on  the  statement.  Payments  must  be  made  in  U.S  dollars  using  payment  instruments  drawn  on  U.S.  financial 
institutions. 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 than the minimum payment, you are still required to make at least the minimum 
payment each month your Account has a balance (other than a credit balance). The minimum payment will either be 
2% of the new balance on the date of cycle closing or $10, whichever is greater. If the new balance is less than $10, 
you only pay that amount. In addition to the minimum payment due, you agree to pay any amount which is past due 
or over limit immediately. 

Payments will be applied as follows: We will apply your payments first to finance charges (which include interest, 
cash advance and  balance transfer fees, and  foreign transaction fees), then to late fees (if any), and then to the 
principal balance. If your account has balances with different APRs, we will allocate the amount of your payment 
equal to the minimum payment due to the lowest APR balances first. Payment amounts in excess of your minimum 
payment due will be applied to balances with higher APRs before balances with lower APRs.  

All payments will be posted to your Account as of the date we receive them, provided we receive them before close 
of business on any business day. Payments received after the close of business on any business day will be credited 
on  the  next  business  day.  If  a  non-cash  payment  instrument  presented  for  payment  on  your  Account  is  returned 
unpaid, we reserve the right to charge interest on the Account retroactively to the date on which we credited the 
returned payment. All non-cash payments are subject to verification and collection by us. We reserve the right to 
delay restoration of your Credit Limit for the maximum time allowed by law.   

Statements: You will receive a billing statement each month there is a balance on your Account for the amounts due 
under this Agreement. If you elect to receive your billing statement electronically, you will receive an email notification 
alerting you when your eStatement is ready to view online. Failure to receive a billing statement or email notification 
does not relieve you from making any required minimum payment. To receive your monthly statement electronically, 
you can enroll in eStatements through SAFE Online Banking. 

Interest Charges: You have a grace period of 25 days from the statement date to pay your statement balance in full 
before interest is assessed on the purchase balance. If you do not pay your statement balance in full by the payment 
due date, you will be charged interest on the then outstanding purchase balance and on future purchases from the 
transaction date. We will begin charging interest on cash advances and balance transfers as of the transaction date. 

We figure the interest charge on your Account by applying the periodic rate to the “average daily balance” of your 
Account. The periodic rate is 1/12 of the Annual Percentage Rate assigned to your Account. To get the “average 
daily balance,” we take the beginning balance of your Account each day, add any new purchases, advances and 
fees, and subtract any unpaid interest and other finance charges and any payments or credits. This gives us the daily 
balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the 
billing cycle. This gives us the “average daily balance." 

Interest  Rate  Information:  The  Annual  Percentage  Rates  (APRs)  applicable  to  purchases,  cash  advances,  and 
balance  transfers  that  will  apply  to  your  Account,  along  with  information  about  how  your  variable  APR  will  be 
calculated and fee information, were disclosed to you in the Truth-in-Lending Disclosure provided to you with this 
Agreement when you opened this Account. Variable APRs may change monthly at the beginning of each billing cycle 
based on the movements of the Index. The Index is the prime rate correctly published in the Wall Street Journal, 
Western Edition, on the 15th calendar day of the month prior to the rate adjustment. If the 15th day of the month is not 
a business day, the prime rate published on the next business day will be used. Your variable APR will be determined 
by adding the margin assigned to your Account (also disclosed to you in the Truth-in-Lending Disclosure) to the Index.  

Introductory  APR:  At  our  option,  the  initial  APR  on  your  Account  for  certain  types  of  transactions  may  be  a 
discounted APR (Introductory APR) that is lower than the APR that would ordinarily apply for that type of transaction. 
If an Introductory APR applies to your Account, the Introductory APR and the period of time it will be effective are 
shown  on  the  Truth-in-Lending  Disclosure.  After  the  Introductory  APR  period  expires,  the  APR  will  automatically 
increase to equal the Index in effect at the end of the Introductory APR period plus your margin.  

Promotional APR: At our option, special promotions may be offered from time to time. The specific terms will be 
provided at the time of the offer. Generally, the promotional APR will only apply to select transactions (i.e., purchases 
and balance transfers) during the promotional period. The APR for all other transactions, not outlined in the promotion 
as eligible for the promotional APR, will remain unchanged. 

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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If your required minimum payment is not received within 60 days of the due date, we may end your Introductory and 
Promotional APRs, including your promotional Balance Transfer APR, until six consecutive payments are made on 
time. 

Penalty Annual Percentage Rate (APR): If you default on your Account for any of the following reasons, we may 
increase the APR on the entire balance to the Penalty APR of 21.90% with a 45-day notice if: 

•  Your Account is 60 days or more past due 
•  You make a payment that is returned 

The Penalty APR may terminate if you make six consecutive minimum payments on time starting with your first 
payment due after the effective date of the Penalty APR. If you do not make these six consecutive minimum monthly 
payments on time, we may keep the Penalty APR on your Account indefinitely. 

Late Payment Fee: A late payment fee of the lesser of $15 or the minimum payment due on your Account will be 
added to your balance if your required minimum payment is not received within 15 days after the due date.  

Other Fees: The fees associated with your Account are contained in the Disclosure accompanying this Agreement 
at the time your established the Account.  

The following additional fees may be imposed:   

•  Copy of Sales Draft or Transaction Receipt: 
•  Express Replacement Card:  
•  Special Check Stop Payment: 
•  Replacement Card:  

(waived for Capitol Club, Perfect Cents  
Checking and Prestige Checking)  

$15.00  

$25.00 

$30.00 

$10.00   

Credits: Merchants who honor your Card and give you credit for returns or adjustments will provide us with a credit 
which we will post to your Account. If your credits and payments exceed what you owe us, we will apply this credit 
balance against future purchases and cash advances, or refund it upon your written request if it is $1 or more. Any 
credit balance not cleared within 30 days will be transferred to your Share Savings Account. 

Foreign Transactions: Purchases and cash advances made in foreign currencies will be charged to your Account 
in  U.S  dollars.  The  exchange  rate  between  the  transaction currency  and  the  billing  currency  used  for processing 
international transactions is either a wholesale market rate or the government mandated rate in effect one day prior 
to the date processed by Visa. At the time of the conversion, the network processing the transaction may impose a 
fee for this service. You agree that the transaction amount as converted by the network may be charged to your 
Account, as well as any conversion charges which are imposed.  

A fee, calculated in U.S. dollars, may 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 the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or 
U.S. consulates.  The fee will equal that assessed by Visa International and will generally be 1% of the transaction 
amount in U.S. dollars if your transaction is conducted in a foreign currency, or 0.80% of the transaction amount in 
U.S. dollars if your transaction is conducted in U.S. dollars outside the U.S. The foreign transaction fee will not exceed 
1% of the amount in U.S. dollars.  

Security  Interest:  Applicable  to  Platinum  Secured,  Platinum  Rewards  Secured,  and  Platinum  Cash  Rewards 
Secured Accounts only: 

If you elect a Platinum Secured, Platinum Rewards Secured or Platinum Cash Rewards Secured Visa Account, you 
will sign a separate Credit Card Security Agreement to pledge shares in an account at SAFE equal to at least 100% 
of your credit limit. You agree that we can take the pledged shares to recover any amount by which your Account is 
delinquent. You will not be permitted to withdraw the pledged shares until your Account is closed and paid in full, 
unless we agree otherwise in writing. If we do inadvertently permit you to withdraw any portion of the pledged shares, 
you will be deemed in default and we can declare your entire Account balance due and payable in full.    

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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SAFE Payment Protection: You understand that purchasing SAFE Payment Protection is optional and will not affect 
our decision whether to extend credit to you or, if so, on what terms. If you elect this product, you will sign a separate 
document that will disclose costs and terms to you. The monthly costs for SAFE Payment Protection will be added to 
your Account balance and accrue interest until paid. 

Default: You will be in default if: 

•  You fail to make any minimum payment within 15 days of the payment due date.  
•  You breach any material term of this Agreement or any other Agreement you have with SAFE. 
•  You become insolvent or the subject of a bankruptcy proceeding or we otherwise reasonably determine that 

our ability to collect what you owe is materially impaired. 

•  You die. 
•  You have made or do make any false or misleading statements in furnishing your financial information and 

other information to us.  

We have the right to demand immediate payment in full of your Account if you default, subject to our giving you any 
notice  required  by  law.  To  the  extent  permitted  by  law,  you  will  also  be  required  to  pay  our  collection  expenses, 
including court costs and reasonable attorney fees. All interest and fees called for by this Agreement will continue to 
accrue after we declare your Account in default until all principal, interest, and fees you owe are paid in full. 

Credit Review: You authorize us to obtain and review your credit report when you applied for your Account. You 
authorize us to periodically obtain and review your credit report in order to determine your continued eligibility for 
credit. You authorize us to disclose information regarding your Account to credit bureaus and other creditors who 
inquire about your credit standing. As required by law, you are hereby notified that a negative credit report reflecting 
on  your  credit  record  may  be  submitted  to  a  credit  reporting  agency  if  you  fail  to  fulfill  the  terms  of  your  credit 
obligations.  

Joint Credit: If you have applied for a joint Account, each joint applicant will remain jointly and severally liable for 
any credit extended pursuant to this Agreement. Either one of you may close the Account, but you will remain jointly 
and severally obligated to repay the entire balance that was outstanding as of the date we receive your notice to 
close the Account.   

Closing Your Account: You may close your Account at any time by notifying us in writing. SAFE can close your 
Account at any time for any lawful reason. Closing of your Account by you or SAFE will not affect your obligation to 
pay all amounts owed plus any interest, fees or other charges lawfully assessed under this Agreement. We will not 
approve any transactions presented after we have knowledge that the Account is closed. Interest, fees, and collection 
costs will continue to accrue after Account closing as called for by this Agreement unless prohibited by applicable 
law. If your Account is closed, any cash or point rewards you have earned will be forfeited.  

Account Security: You agree to handle your Card and other devices (including mobile devices that include payment 
applications into which you have input Account information) with care. You agree to promptly report the loss or theft 
of, or actual or potential unauthorized access to, your Card, Account information or device that could be used to 
initiate unauthorized transactions on your Account. Do not write your PIN number on your Card. Use passwords to 
minimize unauthorized risk of payment applications on your mobile devices.  

We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile 
device.  

Lost/Stolen Cards and Unauthorized Use of Your Account: You are responsible for the security of the Card and 
other devices that can be  used to access your Account and must maintain the confidentiality of the PIN  we may 
assign you. You agree to notify us immediately of a lost or stolen Card or if you believe your Account has been or 
may be used without your permission. You may notify us by calling (916) 979-7233 or (800) SEE-SAFE 7 days a 
week, 24 hours a day. If you are on vacation or out of the country, Visa offers emergency card replacement service. 
For a Visa emergency card replacement, call (800) VISA 911 (800-847-2911). 

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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If your statement has an error or a charge you did not authorize, you must tell us in writing within 60 days after you 
get  that  statement.  If  your  Card  and/or  Account  is  subject  to  unauthorized  use,  you  agree  to  assist  us  in  our 
investigation and obtain police reports, if filed. A signed statement may also be required. 

You may be liable for the unauthorized use of your Card. You will have zero liability for unauthorized use that occurs 
after  you  notify  us  of  the  loss,  theft,  or  possible  unauthorized  use.  You  will  have  zero  liability  for  unauthorized 
transactions made with your Card, unless you are grossly negligent in handling your Card or make fraudulent use of 
your Card. In any case, your liability will not exceed $50. 

Telephone Contact Consent: You agree that at all times you have a balance on this Account, you will provide us 
with a telephone number at which you can be reached during business hours. By giving us or any third party acting 
on our behalf any landline or wireless telephone number, you confirm that (a) you have the right to authorize us to 
contact you at that number, and (b) we and any third party acting on our behalf have your permission to (i) contact 
you  at  that  number  for  any  lawful  reason,  including  but  not  limited  to  servicing  and  collecting  your  Account,  by 
telephone or text message using a live representative or automated dialing system and (ii) leave messages for you 
at that number using a live representative, prerecorded voice message, or text message. Your consent applies even 
though  the  telephone  service  provider  may  charge  fees  for  receiving  calls  or  text  messages.  We  will  not  be 
responsible for any fees charged by your telephone service provider.  

Call Monitoring: You agree that we may monitor and record your phone calls with us and our affiliates, agents, and 
contractors.  

Non-Waiver Provision: We can delay enforcing any of our rights under this Agreement without losing them. If any 
terms of this Agreement are found to be unenforceable, all other provisions will remain in full force. 

Applicable Law: This Agreement and your Account, as well as our rights and duties regarding this Agreement and 
your Account, shall be governed by and interpreted in accordance with applicable federal law, including but not limited 
to Consumer Financial Protection Bureau Regulation Z and the laws of the State of California. 

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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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: 

SAFE Credit Union 
Card Services 
2295 Iron Point Road, Suite 100 
Folsom CA 95630-8765 

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 sixty (60) days after the error appeared on your statement. 
•  At least three (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. 

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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If you receive our explanation but still believe your bill is wrong, you must write to us within ten (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 or device 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: 

SAFE Credit Union 
Card Services 
2295 Iron Point Road, Suite 100 
Folsom CA 95630-8765 

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. 

2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 ⋅ (916) 979-7233 ⋅ (800) SEE-SAFE ⋅ www.safecu.org 

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