(800) 743-7228 
www.arrowheadcu.org 

® 

SECURED CREDIT CARD AGREEMENT AND DISCLOSURE 

MILITARY LENDING ACT- COVERED BORROWERS 

NOTICE: See page 6 for important information regarding your rights to dispute billing errors.  

SEE THE ACCOUNT OPENING DISCLOSURE WHICH ACCOMPANIES THIS AGREEMENT 

MILITARY LENDING ACT NOTICE 
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  percent.  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  specified  credit  transactions  or  accounts);  and  any  participation  fee  charged  (other  than  certain 
participation fees for a credit card account). 
Call 888.644.2183 to hear the above disclosures and a description of your payment obligations. 

In this Agreement, the words (“you”) and (“your”) mean: (a) the person or persons who use or authorize the use of, or (b) who sign an 
application for an Arrowhead Credit Union VISA® Secured Credit Card. (“Card”) means the Arrowhead Credit Union VISA® Secured 
Credit Card and any duplicates and renewals the Credit Union issues to you. (“Account”) means your VISA® Secured Credit Card line of 
credit account with the Credit Union. (“Credit Union”) means Arrowhead Credit Union.  If you do not agree with the terms and conditions 
of this Agreement, please destroy the Card at once by cutting it in half and mail it back to the Credit Union with your written instructions 
to close the Account. 

Using the Account. If your application for a VISA® Secured Credit Card Account is approved, the Credit Union will establish a line 

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of credit for you and notify you of its amount when the card is sent to you. You agree not to let your account balance exceed your approved 
credit limit. Each payment you make on the account will restore your credit limit by the amount of the payment which is applied to the principal 
amount of purchases and cash advances. You may request an increase in your credit limit only by application submitted to the Credit Union. 
The Credit Union has the right to reduce or terminate your credit limit at any time. 

Using the Card. You may use your card to purchase goods and services in person, online, and by mail or telephone from 
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merchants and others who accept VISA® credit cards. In addition, you may obtain cash advances from the Credit Union, from other 
financial institutions or select merchants participating in the VISA® program and from automated teller machines (ATMs), such as VISA® 
ATM Network, that provide access to the VISA® system. (Not all merchants or ATMs provide such access.) You will need to use your 
Personal Identification Number (PIN) to obtain a cash advance from an ATM.  

Illegal Use of VISA® Credit Card. You agree that your VISA® Secured Credit Card Account will not be used to make or 

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facilitate any transaction(s) that are or might be construed to be illegal pursuant to applicable law, rule or ordinance, including but not 
limited to gambling. Said use, including any such authorized use, will constitute an event of default under this Agreement. You agree 
that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s). You 
agree that you are responsible for repayment of any and all debts incurred for these transactions. You further agree to indemnify and 
hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from 
such illegal use. 

Responsibility. You agree to pay all charges (purchases and cash advances) to your account made by you or anyone who 

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you authorize to use your account. You also agree to pay all other charges added to your account, pursuant to Paragraph 8. Your 
obligation to pay the amount owed on your account continues until paid in full even though an agreement, divorce decree or other court 
judgment to which the Credit Union is not a party may direct someone else to pay the account balance. Each of you who signs the 
application for a card, or who use the account is individually and jointly responsible for all amounts owed on the account. This means 
the Credit Union can enforce this Agreement against any of you individually or all of you collectively. 

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Authorized Users. An Authorized User is a person to whom we have issued a card on your Account at your request. An 

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Authorized User may charge transactions on your Account in the same manner as you.  You will remain responsible for all charges on 
your Account, including those incurred by an Authorized User.  You may add or remove an Authorized User from your Account by 
notifying the Credit Union in writing and allowing the Credit Union a reasonable opportunity to act on your request. The Credit Union 
may limit the number of Authorized Users on your Account. 

Certain information about your Account will be accessible to an Authorized User, including their transactions, your credit limit, and the 
amount of credit available to them. A card limit is the maximum amount that can be charged to an Authorized User card each month. 

By using or activating a card on your Account, an Authorized User agrees to be bound to the terms of this VISA® Secured Credit Card 
Agreement, and further agrees that: a) the card issued to him or her is for his or her use exclusively and will not be used by any other 
person; b) the card issued to him or her will not be used for any illegal, improper or unlawful purpose; c) all security requirements, 
including those designed to protect PINs or other security codes, will be complied with; d) any suspected loss of theft of the card will be 
reported promptly; and e) he or she consents to the collection, use and disclosure of personal information. 

Change  in  Terms;  Changing  or  Terminating  Your  Account.  The  Credit  Union  may  change  the  terms  of  this  Agreement, 
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including your ANNUAL PERCENTAGE RATE, from time to time for any reason not inconsistent with applicable law after giving you any 
advance notice required by law. Your failure to exercise any right you may have to reject the change in terms in a timely manner will indicate 
your agreement to the change. Except as restricted or prohibited by law, any change in terms will apply to your existing account balance as 
well as to future transactions. Either the Credit Union or any one of you 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. 
The  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. 

FICO® Score; Your Monthly Periodic Statement.  You acknowledge that, by your acceptance of the Arrowhead Credit Union 
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Terms of Service, you are providing Arrowhead Credit Union with “written instructions” under the Federal Fair Credit Reporting Act, and 
authorization  under  the  California  Consumer  Credit  Reporting  Act,  allowing  Arrowhead  Credit  Union  to  provide  your  FICO®  Score  to 
you, from your personal credit profile from Experian for your own use and educational review purposes.  In particular, you understand 
that your FICO® Score will be displayed on your monthly periodic statement and updated on a monthly basis. Further, to the extent that 
any co-obligor or other party has access to your periodic statements, they are deemed permitted by you to view your FICO® Score. 

Finance Charges. A FINANCE CHARGE will be imposed on purchases, balance transfers and cash advances only if you elect 
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not to pay the entire New Balance shown on your monthly statement for the previous billing cycle by the Payment Due Date shown from 
the  closing  date  of  that  statement.  If  you  elect  not  to  pay  the  entire  New  Balance  shown  on  your  previous  monthly  statement  by  the 
Payment  Due  Date  shown,  a  FINANCE  CHARGE  will  be  imposed  on  the  unpaid  average  daily  balance  of  such  purchases,  balance 
transfers and cash advances from the previous statement closing date and on the new purchases, balance transfers and cash advances 
from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle 
preceding the date on which the entire New Balance is paid in full or until the date of payment if more than the Payment Due Date shown 
from the closing date. 

We figure the FINANCE 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, and cash advances, and subtract any unpaid 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.” 
VISA® SECURED CREDIT CARDS 
Your VISA® Secured Account will be subject to a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE and a corresponding 
Monthly Periodic Rate which will be a standard variable (floating) rate based upon an index plus a Margin. The ANNUAL PERCENTAGE 
RATE and the corresponding Monthly Periodic Rate will apply to purchases, balance transfers and cash advances. 

Index 
The Index is Prime Index (“Index”). Information about this Index is published in the “Money Rates Table” of the Wall Street Journal.  If the 
Index ceases to be published, the Credit Union will choose a new Index and give you notice of its choice. 

Rate Changes 
The ANNUAL PERCENTAGE RATE may change on the first day of each month. These are known as Rate Change Dates. The Index 
value used for a given billing cycle will be the value published on the Rate Change Date or the most recently published value published 
before the Rate Change Date. If more than one rate is published, the Index will be the highest of the rates published. 

Determination of Annual Percentage Rate 
The Credit Union will add the Margin stated on the Account Opening Disclosure to the Index to get the ANNUAL PERCENTAGE 
RATE applicable to your Account for the billing cycle.   

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ANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the corresponding Monthly Periodic Rate for 
the billing cycle. An increase or decrease in the Index value will lead to an increase or decrease in your ANNUAL PERCENTAGE 
RATE and the corresponding Monthly Periodic Rate applicable to your Account.   

Limitations on Changes 
There is no limit on the amount by which the rate may change in any one-year period. There is no maximum ANNUAL 
PERCENTAGE RATE that can apply.  

PENALTY ANNUAL PERCENTAGE RATE FOR VISA® SECURED CREDIT CARDS 
Whenever the minimum monthly payment shown on your statement is sixty (60) days past due or whenever a payment has been returned 
and causes your account to be sixty (60) days past due, the entire balance on your account will be subject to a FINANCE CHARGE 
(interest) at the PENALTY ANNUAL PERCENTAGE RATE and a corresponding Monthly Periodic Rate which will be a standard variable 
(floating) rate based upon the Prime Index (“Index”) plus a Margin stated on the Account Opening Disclosure. Information about this Index 
is published in the “Money Rates Table” of the Wall Street Journal.  If the Index ceases to be published, the Credit Union will choose a new 
Index and give you notice of its choice. The interest rate adjustment will take effect on the effective date shown in the notice sent to you 
informing you of the rate increase. The PENALTY ANNUAL PERCENTAGE RATE will apply until you make six (6) consecutive minimum 
payments on or before the payment due date. If you do not make six (6) consecutive minimum payments on or before the payment due 
date, we may keep the PENALTY ANNUAL PERCENTAGE RATE on your account indefinitely.  

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Other Charges. The following Other Charges will be added to your account, as applicable: 

•   ANNUAL CARDHOLDER FEE: None 

•   OVER LIMIT FEE: None 

•   LATE  PAYMENT  FEE:  We  reserve  the  right  to  charge  a  late  payment  fee  of  $15  to  your  account  each  billing  period  that  the 

minimum monthly payment is not paid within fifteen (15) days after the date the payment is due. 

•   RETURNED PAYMENT FEE: None 

•   CASH ADVANCE FEE (FINANCE CHARGE): None 

•   BALANCE TRANSFER FEE (FINANCE CHARGE): None 

•   FOREIGN TRANSACTION FEE:  1% of each transaction in U.S. dollars (transactions made in foreign currency) and 0.8% of each 
transaction in U.S. dollars (transactions made in foreign currency, billed in U.S. dollars).  See Paragraph 18 for further details.   

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account, your account will be secured by your pledged shares. 

Security Interest. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares for this 

Monthly Payment. Each month you must pay at least the minimum payment shown on your statement by the Payment Due 
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Date shown. You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance in full. If 
you make extra payments or larger payments, you are still required to make at least the minimum payment each month your account 
has a balance. The minimum payment is 3.00% of your Total New Balance but not less than $25.00, plus the amount of any prior 
minimum payments that you have not paid.  

In addition, if at any time your Total New Balance exceeds your credit limit, you must immediately pay the excess upon demand. 
Subject to applicable law, your payments will be applied to what you owe the Credit Union in any manner the Credit Union chooses. 

Default. You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You 
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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 immediately terminate 
this Agreement and require repayment of your outstanding account balance plus any finance and other charges you owe under this 
Agreement. To the extent permitted by law, you will also be required to pay the Credit Union’s collection expenses, including court costs 
and attorneys’ fees. 

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, 
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you should write to us immediately at P.O. Box 735, San Bernardino, CA 92402-0735; or by calling us at 800.743.7228; or by emailing 
us at info@arrowheadcu.org.  

You will not be liable for any unauthorized use that occurs after you notify us. You agree to cooperate fully in any investigation the 
Credit Union may conduct in connection with the loss, theft, or possible unauthorized use of your card. 

Limitations to Liability for VISA® Transactions. If there is an unauthorized use of your VISA® Secured Credit Card or a 

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Plus network or Interlink transaction, and the transaction takes place on the VISA® network, then your liability will be zero ($0.00). This 
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provision limiting your liability does not apply to VISA® Corporate Card or VISA® Purchasing Card Transactions, ATM cash 
disbursements processed on non-VISA® or non-Plus networks, or non-VISA® PIN-less debit transactions. Additionally, your liability 
with respect to unauthorized transactions may be greater than the above zero ($0.00) liability limit, to the extent allowed under 
applicable law, if the credit union reasonably determines, based on substantial evidence, that you were negligent or fraudulent in the 
handling of your account or card. In any case, to minimize your potential liability you should notify us of any unauthorized use no later 
than 60 days after your statement was mailed to you. 

Overdraft Privilege. You agree that if, pursuant to any overdraft privilege on a Credit Union Checking Account, there is an 
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overdraft of your Checking Account, the amount of overdraft will be added to the outstanding balance of your VISA® Secured Account 
subject to the FINANCE CHARGE set forth in Paragraph 8.  Further, you will be subject to all terms and conditions of this Agreement. 
The VISA® Secured Credit Account must be current and not over the credit limit for funds to transfer to the Checking Account. Overdrafts are not 
allowed for the purpose of making loan payments, including VISA® payments, at the Credit Union, ATM or in-branch teller cash withdrawals. The 
Checking Account referred to herein is also subject to a separate agreement between you and the Credit Union. Where the terms of any other 
agreement between you and the Credit Union conflict with the terms of this agreement, the terms of this agreement will control. 

Credit Information. You authorize the Credit Union to investigate your credit standing when opening or reviewing your 

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account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire 
about your credit standing. Pursuant to state 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. 

Returns and Adjustments. Merchants and others who honor the card may give credit for returns or adjustments, and they will 
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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  amount  is  $1  or  more,  it  will  be 
refunded upon your written request or automatically after six (6) months. 

Foreign  Transactions.  Foreign  Transactions  in  Foreign  Currency-  Purchases  and  cash  advances  made  in  foreign 
18. 
currencies  will  be  billed  to you  in  U.S.  dollars.  Transactions  processed outside of  the  United  States  or  in a  foreign currency  may  be 
charged a foreign transaction fee, regardless of whether there is a currency conversion associated with the transaction. The conversion 
rate in dollars will be 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 in each instance, plus a one percentage point (1%) fee charged by the Issuer. 

Foreign Transactions in U.S. Currency- Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. 
Transactions processed outside of the United States, in U.S. dollars, may be charged a foreign transaction fee of point eight percent 
(0.8%), regardless of whether there is a currency conversion associated with the transaction. 

Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the card. 
19. 
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 
and was made in your state or within 100 miles of your home. 

20. 
cash advances, credit or other slips you sign or receive may contain different terms. 

Effect of Agreement. This Agreement is the contract which applies to all transactions on your account even though the sales, 

21. 

No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them. 

Statements  and  Notices.  You  will  receive  a  statement  each  month  showing  transactions  on  your  account.  Statements  and 
22. 
notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered 
notice to all. You agree to promptly notify the Credit Union if you change your mailing address. 

23. 

Transfer of Account. You cannot transfer or assign your account to any other person. 

Governing Law. This Agreement and your account shall be governed by California law without regard to any conflict of law rules. 
24. 
Military  Lending  Act;  Severability.  Notwithstanding  anything  to  the  contrary  herein  or  any  other  agreement  between  the 
25. 
Credit Union and you, nothing shall require a “covered borrower” under the Military Lending Act to submit any claim arising out of the 
Agreement to arbitration or impose on such borrower additional notice requirements beyond those imposed by, or result in the waiver of 
legal recourse existing under, applicable law. 

Additional Disclosures Applicable to Convenience Checks 
Convenience  Checks.  We  may  send  you  Convenience  Checks  which  can  be  used  to  obtain  cash  or  pay  for  goods  or  services  up  to  the 
amount of your available credit limit unless the amount will cause you to exceed your credit limit. In such cases these Convenience Checks will 
be charged against your credit limit, processed as cash advances and accumulate FINANCE CHARGES only if you elect not to pay the entire 
New Balance shown on your monthly statement for the previous billing cycle by the Payment Due Date shown from the closing date of that 
statement, pursuant to paragraph 8. Convenience Checks may only be used by the person whose name is printed on them. You may not use 
Convenience Checks to pay any amount which you owe us under this Agreement. We will not return any paid credit checks to you. 

Using the Convenience Check. To make a purchase, present your Convenience Check to any participating merchant. To request a 
Cash advance, present your Convenience Check to us or any participating financial institution. 

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Reasons Not to Honor a Convenience Check.  We may decline to honor your Convenience Check if you are over your credit limit, 
you are in default, your Account privileges have been canceled, or your card has expired.  

Stop Payment of Convenience Checks. You may stop payment on a Convenience Check by notifying us in writing at the address 
shown on your monthly statement or by calling us at 800.743.7228. If you call, you must confirm the request in writing within fourteen 
(14) days. A written stop payment order will remain in effect for six (6) months and then it will lapse unless renewed in writing. 

SIGNATURES 

X _________________________________ _____ _________________________________________ 
   Applicant - Member Signature  

Date ______________ 

X _________________________________ ______________________________________________  
   Co-Borrower Signature 

Date ______________ 

PLEDGE OF SHARES (SPECIFIC) FOR VISA® SECURED CREDIT CARDS 

I,       ,  pledge to Arrowhead Credit Union a security  interest of $            in my            to secure my VISA®  Account.  I 
understand  this  is  a  condition  of  my  receiving  a  VISA®  Secured  Card  Account.    In  the  event  I  default  on  the  VISA® 
Secured Credit Card Agreement, these funds will be applied to the amount owing. If at any time the funds in the above 
described  account  fall  below  the  pledged  amount,  I  agree  to  allow  the  Credit  Union  to  secure  any  additional  funds 
needed  from  any  individual  or  joint  account  that  I  maintain  at  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. 

X_______________________________________________________________________   Date ________________ 
   Applicant - Member Signature 

X_______________________________________________________________________   Date ________________ 
   Co-Borrower Signature 

PLEDGE OF SHARES (CONSENSUAL) FOR VISA® SECURED CREDIT CARDS 

By  signing  below,  you  pledge  to  us  and  grant  us  a  security  interest  in  all  shareholdings  (except  retirement  accounts) 
now or hereafter on deposit with us (except retirement accounts), to secure  your VISA® Account. You authorize us to 
apply these shareholdings to pay any amounts due on the Account or under this Agreement if you should default. 

X_______________________________________________________________________   Date _________________ 
   Applicant - Member Signature 

X_______________________________________________________________________   Date ________________ 
   Co-Borrower Signature 

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YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This notice contains important information 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: Arrowhead Credit Union, P.O. Box 735, San Bernardino, CA 92402-0735.  

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 error 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.  

2.  

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. 

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.  

2.  

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.) 

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: Arrowhead Credit Union, P.O. Box 735, San 
Bernardino, CA 92402-0735. 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. 

©2014-2017 Simply Legal.  All Rights Reserved                   YOUR CU STORE 7018E                                                                                         PTD 8/17 
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