General Electric Credit Union
Credit Card Agreement and Pricing

The following pages contain the credit card agreements and pricing for each of our credit cards: 

•	 General Electric Credit Union Platinum Visa® Card

•	 General Electric Credit Union Dividend Plus Visa® Gold Card

•	 General Electric Credit Union Dividend Visa® Card

•	 General Electric Credit Union Classic Visa® Card 

A General Electric Credit Union credit card is based upon approval. Each credit card has it’s 
specific agreements and pricing. Upon approval, a credit card agreement and pricing for the 
card you’re approved for will be mailed along with your new card. For further details, please 
contact General Electric Credit Union. 

geneRAL	eLeCTRIC	CReDIT	UnIOn	PLATInUM	VISA®	CARD	TeRMS	AnD	COnDITIOnS

	In	these	Terms	and	Conditions,	the	word	Card	means	a	single	Platinum	card	or	two	or	more	Platinum	cards	and	any	renewal	or	any	substitutes	used	for	the	Card.	
The	words	You,	Your,	and	Yours	mean	the	applicant(s)	and	anyone	else	the	applicant(s)	permits	to	use	the	Card.	The	words	We,	Us,	and	Ours	mean	General	Electric	
Credit	Union.

1.	 CURewards.	Every	dollar	in	qualifying	purchases,	net	of	returns,	"Participant"	charges	to	their	credit	card	account	eligible	in	this	rewards	program	("program")
earns	participant	one	point	("point").	Points	will	expire	after	five	years,	no	points	will	be	available	on	business	cards	or	if	participant	is	in	any	account	violation
with	us.	Maximum	points	earned	per	calendar	year	is	250,000.	For	further	program	rules	and	conditions,	refer	to	the	CURewards	Disclosure.
Transactions.	You	can	use	your	Card	to	buy	or	lease	goods	or	services	(“Purchases”)	wherever	the	Card	is	honored	and	to	get	instant	cash	loans	and	make
other	cash	transactions	(“Cash	Advances”)	from	any	financial	institution	or	automatic	teller	machine	(card	only)	that	accepts	the	Card.	You	will	owe	us	for	all	
Purchases	and	Cash	Advances	charged	by	use	of	the	Card,	plus	any	other	charges	to	your	Account	made	under	the	terms	of	this	Agreement	(“Debits”),	plus
any	FINANCE	CHARGES,	all	payable	in	U.S.	dollars	and	as	required	by	these	Terms	and	Conditions.

2.

3.	 Credit	Line.	Your	Credit	Line	is	listed	on	the	documents	accompanying	your	Card.	Your	Credit	Line	may	be	changed	and	your	latest	Credit	Line	will	be	listed

on	your	monthly	billing	statement.	

4.	 Statements	and	Payments.	If	you	have	a	balance	on	your	Account,	we	will	send	you	a	monthly	statement	that	will	show	separately	your	Purchases/Debits,
any	Cash	Advances,	FINANCE	CHARGES,	if	any,	the	minimum	payment	due,	and	the	date	the	payment	is	due.	You	can	pay	all	of	your	outstanding	balance	
on	your	Card	at	any	time,	but	you	must	make	at	least	a	minimum	payment	of	3%	of	your	Card	balance	or	$25.00	(whichever	is	greater)	within	25	days	from	
the	date	of	each	monthly	statement.	You	will	be	charged	a	late	charge	of	$25.00	or	the	minimum	payment	amount	(whichever	is	lesser)	on	your	next	monthly	
statement	if	a	minimum	payment	is	not	made	within	55	days	after	the	date	of	a	monthly	statement.

5.	 AnnUAL	PeRCenTAge	RATe.	Monthly	Periodic	Rate	and	AnnUAL	PeRCenTAge	RATe	(APR)	as	of	May	1,	2012.	The	Monthly	Periodic	Rate	used	to
compute	the	FINANCE	CHARGE	on	a	Visa	Platinum	Card	Account	in	good	standing	is	0.7492%	on	a	8.99%	APR.	Penalty	APR	-	Visa	Platinum	Card	not	in	
good	standing	-	If	your	minimum	required	payment	is	more	than	60	days	late	at	any	time	we	may	increase	the	ANNUAL	PERCENTAGE	RATE	on	your	Visa
Platinum	account	to	15.00%	(Monthly	Periodic	Rate	1.25%)	and	apply	this	increased	15.00%	APR	Penalty	Rate	to	your	entire	Visa	Platinum	Account	balance
and	to	any	new	and	future	purchases	and	advances.	Before	we	apply	the	Penalty	APR	to	your	Visa	Platinum	account,	we	will	first	provide	you	with	written	
notice	of	the	increase	at	least	45	days	prior	to	the	effective	date	of	the	increase.	If	we	apply	the	Penalty	APR	to	your	Visa	Platinum	Account	and	you	make	your	
payments	on	time	for	the	six	(6)	consecutive	months	following	the	effective	date	of	the	increase,	without	an	account	violation,	your	ANNUAL	PERCENTAGE	
RATE	(APR)	will	be	lowered	to	the	current	Visa	Platinum,	non-penalty	ANNUAL	PERCENTAGE	RATE.	

6.	 FInAnCe	CHARgeS	on	Purchases/Debits.	No	FINANCE	CHARGE	will	be	imposed	if	the	New	Balance	shown	on	your	billing	statement	is	paid	in	full	within
25	days	of	the	Billing	Date.	If	not	paid	in	full,	we	figure	the	FINANCE	CHARGE	on	your	account	by	applying	the	monthly	periodic	rate	to	the	“average	daily	
balance”	of	the	unpaid	balance	of	your	account	(including	current	transactions).	

7.	 FInAnCe	CHARgeS	on	Cash	Advances.	The	FINANCE	CHARGE	on	Cash	Advances	begins	to	accrue	on	the	date	you	obtain	the	Cash	Advance	or	the
first	day	of	the	billing	cycle	in	which	it	is	posted	to	your	account,	whichever	is	later.	We	figure	the	FINANCE	CHARGE	on	your	account	by	applying	the	monthly	
periodic	rate	to	the	“average	daily	balance”	of	your	account	(including	current	transactions).

8.	 Average	Daily	Balance.	The	“average	daily	balance”	is	determined	by	dividing	the	sum	of	the	daily	balances	during	the	billing	cycle	by	the	number	of	days
in	the	cycle.	Each	daily	balance	of	Credit	Purchases	(and,	if	applicable,	Cash	Advances)	is	determined	by	subtracting	from	the	Previous	Balance	of	Credit	
Purchases	(and,	if	applicable,	Cash	Advances)	any	payments	received	and	credits	as	posted	to	your	account,	but	excluding	any	unpaid	FINANCE	CHARGES.
All	fees	except	for	the	late	charge	shall	be	treated	as	purchases	for	the	purpose	of	computing	the	Average	Daily	Balance.

9.	 Returned	Check	and	Other	Fees.	If	your	check	is	dishonored	or	if	we	must	return	your	check	to	you	for	any	reason,	we	will	charge	your	Purchases/Debits
Account	a	fee	of	$25.00.	Account	printouts	$1.00.	Current	and	previous	year	statement	copy	fee	$2.00.	Older	statement	copy	fee	$3.00.	Overnight	fee	$35.00.
10.	 Default.	You	will	be	in	default	under	this	Agreement	if	any	of	the	following	events	shall	occur:	(a)	If	you	fail	to	comply	with	the	minimum	payment	or	any	other	terms
or	conditions	of	this	Agreement	or	any	other	obligation	you	have	or	will	have	with	us	(for	late	payment	see	also	"Penalty	Rate"	under	"ANNUAL	PERCENTAGE
RATE");	(b)	If	you	make	false	or	misleading	statements	in	any	credit	application	or	update	of	credit	information;	(c)	If	you	should	die	or	become	insolvent;	(d)	If	
a	petition	should	be	filed	or	other	proceedings	should	be	started	under	the	Federal	Bankruptcy	Code	or	any	State	insolvency	statute	by	or	against	you;	(e)	If	a	
Receiver	should	be	appointed	or	a	writ	or	order	of	attachment,	levy	or	garnishment	should	be	issued	against	you	or	any	of	your	property,	assets	or	income;	or	
(f)	If	we	should	consider	yourself	or	any	debts	due	under	this	Agreement	unsafe	or	not	completely	secure	of	if	we	should	believe,	in	good	faith,	that	the	chances
of	your	paying	or	performing	all	of	your	obligations	under	this	Agreement	have	been	impaired.	If	you	fail	to	fulfill	the	terms	of	this	Agreement,	a	negative	report	
reflecting	on	your	credit	record	may	be	submitted	to	a	credit	reporting	agency.	We	may	ask	for	immediate	payment	of	any	amount	owed	if	you	are	in	default	of	
any	of	the	Terms	and	Conditions	of	this	agreement.

11.	 Lost	or	Stolen	Cards.	If	your	Card	is	lost	or	stolen	or	if	you	are	afraid	someone	may	use	it	without	your	permission,	you	must	notify	us	at	once	by	telephone
at:	800.449.7728.	You	may	not	use	the	Card	or	any	other	Cards	in	your	possession	with	the	same	card	number	after	you	have	notified	us,	even	if	you	get	the
Card	back.

12.	 Cancellation.	You	may	cancel	your	account	at	any	time	by	notifying	us	in	writing	and	returning	the	card	cut	in	half.	We	may	cancel	or	suspend	your	Card	at
any	time	without	prior	notice	or	reissue	a	different	one	at	any	time.	If	we	ask,	you	will	destroy	the	Card	by	cutting	it	in	half	and	will	give	it	to	us	or	our	agent,	or
mail	it	to	us.	If	the	Card	is	cancelled	or	suspended,	you	will	pay	us	the	amount	you	owe	as	required	by	these	Terms	and	Conditions.	

13.	 Liability.	Each	of	the	applicant(s)	for	the	Card	and	co-signer(s)	will	be	liable	individually	and	jointly	for	all	Purchases/Debits	and	Cash	Advances	made	with	the

Card,	either	by	the	Card	applicant(s)	or	their	authorized	user(s).

14. Liability	 for	 Unauthorized	 Use.	 You	 agree	 to	 promptly	 notify	 the	 Cardholder	 Services,	 telephone	 number:	 800.654.7728	 in	 the	 event	 you	 suspect	 any
unauthorized	use	of	the	card.	You	may	be	liable	for	the	unauthorized	use	of	your	Platinum	Credit	Card.	You	will	not	be	liable	for	unauthorized	use	that	occurs
after	you	notify	General	Electric	Credit	Union	at	PO	Box	31112,	Tampa,	FL	33631-3112,	orally	or	in	writing,	of	the	loss,	theft,	or	possible	unauthorized	use.	In	
any	case,	your	liability	will	not	exceed	$0.00.

15.	 Irregular	Payments.	We	can	accept	late	payments	or	partial	payments,	or	checks	and	money	orders	marked	with	“Payment	in	Full”	or	similar	language	without

losing	any	of	our	rights	under	this	Agreement.

16.	 Waiver.	We	won’t	be	considered	to	have	waived	our	rights	under	this	agreement	if	we	delay	or	neglect	to	enforce	them.
17.	 Amendment.	Subject	to	applicable	state	and	federal	laws	and	regulations	and	with	such	prior	notice,	if	any,	as	may	be	required	by	laws	or	regulations,	we	may

change	any	Terms	and	Conditions	at	any	time	and	such	changes,	at	our	option,	will	apply	to	new	Purchases/Debits	and	Cash	Advances.

18.	 Law.	Your	Account	and	these	Terms	and	Conditions	will	be	governed	by	the	laws	of	the	State	of	Ohio	and	applicable	federal	laws.

Over

19.	 Security	Interest.	You	grant	to	us	a	purchase	money	security	interest	under	the	Uniform	Commercial	Code	in	any	goods	you	purchase	through	the	use	of	the
account.	If	you	default,	we	shall	have	the	right	to	recover	any	of	the	goods	which	have	not	been	paid	for	through	the	application	of	your	payments.	Any	collateral		
(other	than	real	property)	securing	other	loans	currently	with	or	hereafter	arising	with	us	may	also	secure	any	amount	due	on	this	account.

20.	 Statutory	lien	on	your	account.	If	you	are	in	default	on	a	financial	obligation	to	us	or	fail	to	satisfy	a	financial	obligation	to	us,	federal	law	permits	us	to	apply
the	balance	of	shares	and	dividends	in	your	account(s)	at	the	time	of	default	to	satisfy	your	obligation.	Once	you	are	in	default,	we	may	exercise	this	right
without	further	notice	to	you.	If	your	account	is	jointly	owned,	and	the	joint	owner(s)	is	indebted	to	us,	we	may	use	the	balance	of	shares	and	dividends	in	the	
account	to	pay	the	debt	of	the	joint	owner.	This	statutory	lien	does	not	apply	to	IRAs	or	other	tax-deferred	retirement	accounts.

21.	 Legal	Activity.	Any	financial	service	provided	by	the	Credit	Union	may	be	used	for	any	transaction	permitted	by	law.	You	agree	that	illegal	use	of	any	financial
service	will	be	deemed	an	action	of	default	and/or	breach	of	contract	and	such	service	and/or	other	related	services	may	be	terminated	at	the	Credit	Union’s	
discretion.	You	further	agree,	should	illegal	use	occur,	to	waive	the	right	to	sue	the	Credit	Union	for	such	illegal	activity	directly	or	indirectly	related	to	it.	You	
also	agree	to	indemnify	and	hold	the	Credit	Union	harmless	from	any	suits	or	other	legal	action	or	liability,	directly	or	indirectly,	resulting	from	such	illegal	use.

22. Annual	Fee.	None.
23.	 Currency	exchange	Rate.	Purchase	and	cash	advances	made	in	foreign	countries	and	foreign	currencies	will	be	billed	to	you	in	U.S.	dollars.	The	conversion
rate	to	U.S.	dollars	will	be	determined	in	accordance	with	the	operating	regulations	established	by	Visa	USA.	Currently	the	currency	conversion	rate	used	to
determine	the	transaction	amount	in	U.S.	dollars	is	either	a	government	mandated	rate	or	the	wholesale	market	rate	in	effect	one	day	prior	to	the	transaction	
processing	date,	increased	by	one	percent.	The	currency	conversion	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.

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.		

Notify Us in Case of Errors or Questions About Your Bill	
If	you	think	your	bill	is	wrong,	or	if	you	need	more	information	about	a	transaction	on	your	bill,	write	us	on	a	separate	sheet	at	the	address	listed	on	your	bill.	Write	
to	us	as	soon	as	possible.	We	must	hear	from	you	no	later	than	60	days	after	we	sent	you	the	first	bill	on	which	the	error	or	problem	appeared.	You	can	telephone	
us,	but	doing	so	will	not	preserve	your	rights.		
In	your	letter,	give	us	the	following	information:
1.	 Your	name	and	account	number
2.	 The	dollar	amount	of	the	suspected	error
3.	 Describe	the	error	and	explain,	if	you	can,	why	you	believe	there	is	an	error.	If	you	need	more	information,	describe	the	item	you	are	not	sure	about.
If	you	have	authorized	us	to	pay	your	credit	card	bill	automatically	from	your	savings	or	checking	account,	you	can	stop	the	payment	on	any	amount	you	think	is	
wrong.	To	stop	the	payment	your	letter	must	reach	us	three	business	days	before	the	automatic	payment	is	scheduled	to	occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice
We	must	acknowledge	your	letter	within	30	days,	unless	we	have	corrected	the	error	by	then.	Within	90	days,	we	must	either	correct	the	error	or	explain	why	we	
believe	the	bill	was	correct.	After	we	receive	your	letter,	we	cannot	try	to	collect	any	amount	you	question,	or	report	you	as	delinquent.	We	can	continue	to	bill	you	for	
the	amount	you	question,	including	finance	charges,	and	we	can	apply	any	unpaid	amount	against	your	credit	limit.	You	do	not	have	to	pay	any	questioned	amount	
while	we	are	investigating,	but	you	are	still	obligated	to	pay	the	parts	of	your	bill	that	are	not	in	question.	If	we	find	that	we	made	a	mistake	on	your	bill,	you	will	not	
have	to	pay	finance	charges	related	to	any	questioned	amount.	If	we	didn’t	make	a	mistake,	you	may	have	to	pay	finances	charges,	and	you	will	have	to	make	up	
any	missed	payments	on	the	questioned	amount.	In	either	case,	we	will	send	you	a	statement	of	the	amount	you	owe	and	the	date	that	it	is	due.	If	you	fail	to	pay	
the	amount	that	we	think	you	owe,	we	may	report	you	as	delinquent.	However,	if	our	explanation	does	not	satisfy	you	and	you	write	to	us	within	ten	days	telling	us	
that	you	still	refuse	to	pay,	we	must	tell	anyone	we	report	you	to	that	you	have	a	question	about	your	bill.	And,	we	must	tell	you	the	name	of	anyone	we	reported	
you	to.	We	must	tell	anyone	we	report	you	to	that	the	matter	has	been	settled	between	us	when	it	finally	is.	If	we	don’t	follow	these	rules,	we	can’t	collect	the	first	
$50	of	the	questioned	amount,	even	if	your	bill	was	correct.	

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	limitations	on	this	right:

(a) 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
(b) The	purchase	price	must	have	been	more	than	$50.	These	limitations	do	not	apply	if	we	own	or	operate	the	merchant,	or	if	we	mailed	you	the	advertisement

for	the	property	or	services.

The	Federal	equal	Credit	Opportunity	Act	prohibits	creditors	from	discriminating	against	credit	applicants	on	the	basis	of:	race,	color,	religion,	
national	origin,	gender,	marital	status,	age,	receipt	of	income	from	public	assistance	programs,	and	good	faith	exercise	of	any	right	under	the	
Consumer	Credit	Protection	Act.	The	federal	agency	which	administers	compliance	with	this	law	concerning	this	credit	union	is	the	national	Credit	
Union	Administration,	7000	Central	Parkway,	Suite	1600,	Atlanta,	gA	30328.	The	Ohio	Laws	against	discrimination	require	that	all	creditors	make	
credit	equally	available	to	all	credit	worthy	customers,	and	that	credit	reporting	agencies	maintain	separate	credit	histories	on	each	individual	upon	
request.	The	Ohio	Civil	Rights	Commission	administers	compliance	with	this	law.	California	Residents:	Applicants	1)	may,	after	credit	approval,	use	the	
credit	card	account	up	to	its	credit	limit;	2)	may	be	liable	for	amounts	extended	under	the	plan	to	any	joint	applicant.	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.	
new	York	and	Vermont	Residents:	General	Electric	Credit	Union	may	obtain	at	any	time	your	credit	reports,	for	any	legitimate	purpose	associated	with	the	
account	or	the	application	or	request	for	an	account,	including	but	not	limited	to	reviewing,	modifying,	renewing	and	collecting	on	your	account.	On	your	request,	
you	will	be	informed	if	such	a	report	was	ordered.	If	so,	you	will	be	given	the	name	and	address	of	the	consumer	reporting	agency	furnishing	the	report.	New	
York	residents	may	contact	the	New	York	State	Banking	Department	(1.800.518.8866)	for	a	comparative	list	of	credit	card	rates,	fees	and	grace	periods.	Married	
Wisconsin	Residents:	No	provision	of	any	marital	property	agreement,	unilateral	statement,	or	court	order	applying	to	marital	property	will	adversely	affect	
a	creditor’s	interests	unless	prior	to	the	time	credit	is	granted,	the	creditor	is	furnished	with	a	copy	of	the	agreement,	statement	or	court	order,	or	has	actual	
knowledge	of	the	provision.

InTeReST	RATe	AnD	InTeReST	CHARgeS

Annual	Percentage	Rate	
(APR)	for	Purchases

	 8.99%	APR	for	Visa®	Platinum	

APR	for	Balance	Transfers 	 8.99%	APR	for	Visa®	Platinum	

APR	for	Cash	Advances

	 8.99%	APR	for	Visa®	Platinum	

Penalty	APR	and	When	it	
Applies

15.00%	APR	for	Visa	Platinum*
This	APR	may	be	applied	to	your	account	if	your	minimum	required	payment	is	more	than	
60	days	late	at	any	time.	We	may	increase	the	ANNUAL	PERCENTAGE	RATE	on	your	Visa	
Platinum	account	to	15.00%	(Monthly	Periodic	Rate	1.25%)	and	apply	this	increased	15.00%	
APR	Penalty	Rate	to	your	entire	Visa	Platinum	Account	balance	and	to	any	new	and	future	
purchases	and	advances.	Before	we	apply	the	Penalty	APR	to	your	Visa	Platinum	account,	we	
will	first	provide	you	with	written	notice	of	the	increase	at	least	45	days	prior	to	the	effective	date	
of	the	increase.	

How	Long	Will	the	Penalty	APR	Apply?	If	we	apply	the	Penalty	APR	to	your	Visa	Platinum	
Account	and	you	make	your	payments	on	time	for	the	six	(6)	consecutive	months	following	the	
effective	date	of	the	increase,	without	an	account	violation,	your	ANNUAL	PERCENTAGE	RATE	
(APR)	will	be	lowered	to	the	current	Visa	Platinum,	non-penalty	APR.	

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	on	the	transaction	date.

Minimum	Interest	Charge

If	you	are	charged	Interest,	the	charge	will	be	no	less	than	$0.00.

For	Credit	Card	Tips	from	
the	Consumer	Financial	
Protection	Bureau

To	learn	more	about	factors	to	consider	when	applying	for	or	using	a	credit	card,	visit	the	
website	of	the	Consumer	Financial	Protection	Bureau	at:	http://www.consumerfinance.gov/
learnmore.

FeeS

Annual	Fees

none.

Transaction	Fees

Balance	Transfer

Cash	Advance

$0.00	

$0.00	

Foreign	Transaction

1%	of	each	transaction	in	U.S.	dollars.

Penalty	Fees

Late	Payment

Returned	Payment

$25.00	or	the	minimum	payment	amount	(whichever	is	lesser)	If	a	minimum	payment	is	not	
made	within	55	days	after	the	date	of	a	monthly	statement.
$25.00	

How	We	Will	Calculate	Your	Balance:	We	use	the	method	called	“Average	Daily	Balance	(including	new	purchases).”	See	your	
Terms	and	Conditions	for	more	details.

Billing	Rights:	Information	on	your	rights	to	dispute	transactions	and	how	to	exercise	those	rights	is	provided	in	your	Terms	and	
Conditions.

The	information	about	the	costs	of	the	card	described	in	this	application	is	accurate	as	of	May	1,	2012.	It	may	have	changed	after	
that	date.	To	find	out	about	what	may	have	changed,	call:	513.243.4328	or	800.542.7093	or	write:	General	Electric	Credit	Union,	
10485	Reading	Road,	Cincinnati,	Ohio		45241,	Attn:	EFT	Department.

*During	any	default	period,	CUReward	points	will	not	be	rewarded	and	any	existing	points	will	be	suspended.	Existing	CUReward	points	will	be	reinstated	if	the	account	remains	
occurrence	free	for	a	period	of	six	straight	months.

CO/JL	5/12

GENERAL ELECTRIC CREDIT UNION DIVIDEND PLUS GOLD VISA® CARD TERMS AND CONDITIONS

 In these Terms and Conditions, the word Card means a single Dividend Plus Gold card or two or more Dividend Plus Gold cards and any renewal or any substitutes 
used for the Card. The words You, Your, and Yours mean the applicant(s) and anyone else the applicant(s) permits to use the Card. The words We, Us, and Ours 
mean General Electric Credit Union.

1.  Dividend Features. You will receive a 10% rebate on all finance charges paid to us, as well as a 1% dividend on all net purchases made using the Card. We 
will also give you a balance transfer incentive for credit card balances transferred to us from other institutions. The incentives for the balance transfer are as 
follows: $750-$1,999 = $25.00; $2,000 and higher = $50.00. Any rebate of finance charges or dividends earned will be credited to your share account at the end 
of the quarter in which they were earned. The balance transfer incentive is a one time per member incentive, and will be paid at the end of the quarter following 
the quarter in which the transfer took place. These Dividend Features are subject to change or termination at any time. Dividend features will not be honored 
in any quarter in which you incur a default on your Dividend Plus Gold Card account or in any quarter in which you violate any account agreement with us.
2.  Transactions. You can use your Card or Dividend Checks, if provided, to buy or lease goods or services (“Purchases”) wherever the Card is honored and to 
get instant cash loans and make other cash transactions (“Cash Advances”) from any financial institution or automatic teller machine (card only) that accepts 
the Card. You will owe us for all Purchases and Cash Advances charged by use of the Card or Dividend Checks, if provided, plus any other charges to your 
Account made under the terms of this Agreement (“Debits”), plus any FINANCE CHARGES, all payable in U.S. dollars and as required by these Terms and 
Conditions.

3.  Credit Line. Your Credit Line is listed on the documents accompanying your Card. Your Credit Line may be changed and your latest Credit Line will be listed 

on your monthly billing statement. 

4.  Statements and Payments. If you have a balance on your Account, we will send you a monthly statement that will show separately your Purchases/Debits, 
any Cash Advances, FINANCE CHARGES, if any, the minimum payment due, and the date the payment is due. You can pay all of your outstanding balance 
on your Card at any time, but you must make at least a minimum payment of 3% of your Card balance or $25.00 (whichever is greater) within 25 days from 
the date of each monthly statement. You will be charged a late charge of $25.00 or the minimum payment amount (whichever is lesser) on your next monthly 
statement if a minimum payment is not made within 55 days after the date of a monthly statement.

5.  ANNUAL  PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and  Cash Advances.  The ANNUAL  PERCENTAGE  RATE  may  vary  (increase  or 
decrease) on a quarterly basis. The rate is determined by adding 5.75% to the Prime Rate as published in The Wall Street Journal effective for the first day 
of January, April, July, and October of every year. The new rate shall be effective beginning with the FINANCE CHARGE calculation on the following month’s 
statement. The monthly periodic rate will be determined by dividing the ANNUAL PERCENTAGE RATE by twelve. Your initial ANNUAL PERCENTAGE RATE 
and corresponding monthly periodic rate is located within the “Interest Rate and Interest Charges” box of these Terms and Conditions. An increase in the variable 
ANNUAL PERCENTAGE RATE means you will pay a higher FINANCE CHARGE and perhaps a higher minimum payment.

6.  FINANCE CHARGES on Purchases/Debits. No FINANCE CHARGE will be imposed if the New Balance shown on your billing statement is paid in full within 
25 days of the Billing Date. If not paid in full, we figure the FINANCE CHARGE on your account by applying the monthly periodic rate to the “average daily 
balance” of the unpaid balance of your account (including current transactions). 

7.  FINANCE CHARGES on Cash Advances. The FINANCE CHARGE on Cash Advances begins to accrue on the date you obtain the Cash Advance or the 
first day of the billing cycle in which it is posted to your account, whichever is later. We figure the FINANCE CHARGE on your account by applying the monthly 
periodic rate to the “average daily balance” of your account (including current transactions).

8.  Average Daily Balance. The “average daily balance” is determined by dividing the sum of the daily balances during the billing cycle by the number of days 
in the cycle. Each daily balance of Credit Purchases (and, if applicable, Cash Advances) is determined by subtracting from the Previous Balance of Credit 
Purchases (and, if applicable, Cash Advances) any payments received and credits as posted to your account, but excluding any unpaid FINANCE CHARGES. 
All fees except for the late charge shall be treated as purchases for the purpose of computing the Average Daily Balance.

9.  Returned Check and Other Fees. If your check is dishonored or if we must return your check to you for any reason, we will charge your Purchases/Debits 
Account a fee of $25.00. Account printouts $1.00. Current and previous year statement copy fee $2.00. Older statement copy fee $3.00. Overnight fee $35.00.
10.  Default. You will be in default under this Agreement if any of the following events shall occur: (a) If you fail to comply with the minimum payment or any other terms 
or conditions of this Agreement or any other obligation you have or will have with us; (b) If you make false or misleading statements in any credit application or 
update of credit information; (c) If you should die or become insolvent; (d) If a petition should be filed or other proceedings should be started under the Federal 
Bankruptcy Code or any State insolvency statute by or against you; (e) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment 
should be issued against you or any of your property, assets or income; or (f) If we should consider yourself or any debts due under this Agreement unsafe or 
not completely secure of if we should believe, in good faith, that the chances of your paying or performing all of your obligations under this Agreement have 
been impaired. If you fail to fulfill the terms of this Agreement, a negative report reflecting on your credit record may be submitted to a credit reporting agency. 
We may ask for immediate payment of any amount owed if you are in default of any of the Terms and Conditions of this agreement.

11.  Lost or Stolen Cards. If your Card is lost or stolen or if you are afraid someone may use it without your permission, you must notify us at once by telephone 
at: 800.449.7728. You may not use the Card or any other Cards in your possession with the same card number after you have notified us, even if you get the 
Card back.

12.  Cancellation. You may cancel your account at any time by notifying us in writing and returning the card cut in half. We may cancel or suspend your Card at 
any time without prior notice or reissue a different one at any time. If we ask, you will destroy the Card by cutting it in half and will give it to us or our agent, or 
mail it to us. If the Card is cancelled or suspended, you will pay us the amount you owe as required by these Terms and Conditions. 

13.  Liability. Each of the applicant(s) for the Card and cosigner(s) will be liable individually and jointly for all Purchases/Debits and Cash Advances made with the 

Card, either by the Card applicant(s) or their authorized user(s).

14.  Liability for Unauthorized Use. You agree to promptly notify the Cardholder Services, telephone number: 800.654.7728 in the event you suspect any unauthorized 
use of the card. You may be liable for the unauthorized use of your Dividend Plus Gold Credit Card. You will not be liable for unauthorized use that occurs after 
you notify General Electric Credit Union at PO Box 31112, Tampa, FL 33631-3112, orally or in writing, of the loss, theft, or possible unauthorized use. In any 
case, your liability will not exceed $0.00.

15.  Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked with “Payment in Full” or similar language without 

losing any of our rights under this Agreement.

16.  Waiver. We won’t be considered to have waived our rights under this agreement if we delay or neglect to enforce them.
17.  Amendment. Subject to applicable state and federal laws and regulations and with such prior notice, if any, as may be required by laws or regulations, we may 

change any Terms and Conditions at any time and such changes, at our option, will apply to new Purchases/Debits and Cash Advances.

18.  Law. Your Account and these Terms and Conditions will be governed by the laws of the State of Ohio and applicable federal laws.
19.  Security Interest. You grant to us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the use of the 

Over

account. If you default, we shall have the right to recover any of the goods which have not been paid for through the application of your payments. Any collateral 
securing other loans currently with or hereafter arising with us may also secure any amount due on this account.

20.  Statutory lien on your account. If you are in default on a financial obligation to us or fail to satisfy a financial obligation to us, federal law permits us to apply 
the balance of shares and dividends in your account(s) at the time of default to satisfy your obligation. Once you are in default, we may exercise this right 
without further notice to you. If your account is jointly owned, and the joint owner(s) is indebted to us, we may use the balance of shares and dividends in the 
account to pay the debt of the joint owner. This statutory lien does not apply to IRAs or other tax-deferred retirement accounts.

21.  Legal Activity. Any financial service provided by the Credit Union may be used for any transaction permitted by law. You agree that illegal use of any financial 
service will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at the Credit Union’s 
discretion. You further agree, should illegal use occur, to waive the right to sue the Credit Union for such illegal activity directly or indirectly related to it. You 
also agree to indemnify and hold the Credit Union harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use.

22.  Annual Fee. None.
23.  Currency Exchange Rate. Purchase and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion 
rate to U.S. dollars will be determined in accordance with the operating regulations established by Visa USA. Currently the currency conversion rate used to 
determine the transaction amount in U.S. dollars is either a government mandated rate or the wholesale market rate in effect one day prior to the transaction 
processing date, increased by one percent. The currency conversion 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.

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. 

Notify Us in Case of Errors or Questions About Your Bill 
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write 
to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone 
us, but doing so will not preserve your rights. 
In your letter, give us the following information:
1.  Your name and account number
2.  The dollar amount of the suspected error
3.  Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.
If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is 
wrong.  To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we 
believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for 
the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not 
have to pay finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finances charges, and you will have to make up 
any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay 
the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us 
that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported 
you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first 
$50 of the questioned amount, even if your bill was correct. 

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 limitations on this right:

(a)   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
(b)   The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement 

for the property or services.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of: race, color, religion, 
national origin, gender, marital status, age, receipt of income from public assistance programs, and good faith exercise of any right under the 
Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning this credit union is the National Credit 
Union Administration, 7000 Central Parkway, Suite 1600, Atlanta, GA 30328. The Ohio Laws against discrimination require that all creditors make 
credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this law. California Residents: Applicants 1) may, after credit approval, use the 
credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. 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. 
New York and Vermont Residents: General Electric Credit Union may obtain at any time your credit reports, for any legitimate purpose associated with the 
account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, 
you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New 
York residents may contact the New York State Banking Department (1.800.518.8866) for a comparative list of credit card rates, fees and grace periods. Married 
Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect 
a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual 
knowledge of the provision.

INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate 
(APR) for Purchases

9.25% APR for Dividend Plus Gold Visa® 
This APR will vary with the market based on the Prime Rate.* 

APR for Balance Transfers

9.25% APR for Dividend Plus Gold Visa® 
This APR will vary with the market based on the Prime Rate.* 

APR for Cash Advances

9.25% APR for Dividend Plus Gold Visa® 
This APR will vary with the market based on the Prime Rate.* 

Penalty APR and When it 
Applies

Paying Interest

Not applicable.

How Long Will the Penalty APR Apply? Not applicable.

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 on the transaction date.

Minimum Interest Charge

If you are charged Interest, the charge will be no less than $0.00.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/
learnmore.

FEES

Annual Fees

None.

Transaction Fees

Balance Transfer

Cash Advance

$0.00 

$0.00 

Foreign Transaction

1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment

$25.00 or the minimum payment amount (whichever is lesser) If a minimum payment is not 
made within 55 days after the date of a monthly statement.

Returned Payment

$25.00 

How We Will Calculate Your Balance: We use the method called “Average Daily Balance (including new purchases).” See your 
Terms and Conditions for more details.

*Variable Rate Information: The APR for Purchases, Balance Transfers, and Cash Advances is determined quarterly by adding 
5.75% to The Wall Street Journal Prime Rate. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Terms and 
Conditions.

The information about the costs of the card described in this application is accurate as of December 30, 2015. It may have 
changed after that date. To find out about what may have changed, call: 513.243.4328 or 800.542.7093 or write: General Electric 
Credit Union, 10485 Reading Road, Cincinnati, Ohio  45241, Attn: EFT Department.

CO/SR 12/15

GENERAL ELECTRIC CREDIT UNION DIVIDEND VISA® CARD TERMS AND CONDITIONS

 In these Terms and Conditions, the word Card means a single Dividend card or two or more Dividend cards and any renewal or any substitutes used for the Card. 
The words You, Your, and Yours mean the applicant(s) and anyone else the applicant(s) permits to use the Card. The words We, Us, and Ours mean General Electric 
Credit Union.

1.  Dividend Features. You will receive a 10% rebate on all finance charges paid to us, as well as a 1% dividend on all net purchases made using the Card. We 
will also give you a balance transfer incentive for credit card balances transferred to us from other institutions. The incentives for the balance transfer are as 
follows: $750-$1,999 = $25.00; $2,000 and higher = $50.00. Any rebate of finance charges or dividends earned will be credited to your share account at the 
end of the quarter in which they were earned. The balance transfer incentive is a one time per member incentive, and will be paid at the end of the quarter 
following the quarter in which the transfer took place. These Dividend Features are subject to change or termination at any time. Dividend features will not be 
honored in any quarter in which you incur a default on your Dividend Card account or in any quarter in which you violate any account agreement with us.
2.  Transactions. You can use your Card or Dividend Checks, if provided, to buy or lease goods or services (“Purchases”) wherever the Card is honored and to 
get instant cash loans and make other cash transactions (“Cash Advances”) from any financial institution or automatic teller machine (card only) that accepts 
the Card. You will owe us for all Purchases and Cash Advances charged by use of the Card or Dividend Checks, if provided, plus any other charges to your 
Account made under the terms of this Agreement (“Debits”), plus any FINANCE CHARGES, all payable in U.S. dollars and as required by these Terms and 
Conditions.

3.  Credit Line. Your Credit Line is listed on the documents accompanying your Card. Your Credit Line may be changed and your latest Credit Line will be listed 

on your monthly billing statement. 

4.  Statements and Payments. If you have a balance on your Account, we will send you a monthly statement that will show separately your Purchases/Debits, 
any Cash Advances, FINANCE CHARGES, if any, the minimum payment due, and the date the payment is due. You can pay all of your outstanding balance 
on your Card at any time, but you must make at least a minimum payment of 3% of your Card balance or $25.00 (whichever is greater) within 25 days from 
the date of each monthly statement. You will be charged a late charge of $25.00 or the minimum payment amount (whichever is lesser) on your next monthly 
statement if a minimum payment is not made within 55 days after the date of a monthly statement.

5.  ANNUAL  PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and  Cash Advances.  The ANNUAL  PERCENTAGE  RATE  may  vary  (increase  or 
decrease) on a quarterly basis. The rate is determined by adding 8.75% to the Prime Rate as published in The Wall Street Journal effective for the first day 
of January, April, July, and October of every year. The new rate shall be effective beginning with the FINANCE CHARGE calculation on the following month’s 
statement. The monthly periodic rate will be determined by dividing the ANNUAL PERCENTAGE RATE by twelve. Your initial ANNUAL PERCENTAGE RATE 
and corresponding monthly periodic rate is located within the “Interest Rate and Interest Charges” box of these Terms and Conditions. An increase in the variable 
ANNUAL PERCENTAGE RATE means you will pay a higher FINANCE CHARGE and perhaps a higher minimum payment.

6.  FINANCE CHARGES on Purchases/Debits. No FINANCE CHARGE will be imposed if the New Balance shown on your billing statement is paid in full within 
25 days of the Billing Date. If not paid in full, we figure the FINANCE CHARGE on your account by applying the monthly periodic rate to the “average daily 
balance” of the unpaid balance of your account (including current transactions). 

7.  FINANCE CHARGES on Cash Advances. The FINANCE CHARGE on Cash Advances begins to accrue on the date you obtain the Cash Advance or the 
first day of the billing cycle in which it is posted to your account, whichever is later. We figure the FINANCE CHARGE on your account by applying the monthly 
periodic rate to the “average daily balance” of your account (including current transactions).

8.  Average Daily Balance. The “average daily balance” is determined by dividing the sum of the daily balances during the billing cycle by the number of days 
in the cycle. Each daily balance of Credit Purchases (and, if applicable, Cash Advances) is determined by subtracting from the Previous Balance of Credit 
Purchases (and, if applicable, Cash Advances) any payments received and credits as posted to your account, but excluding any unpaid FINANCE CHARGES. 
All fees except for the late charge shall be treated as purchases for the purpose of computing the Average Daily Balance.

9.  Returned Check and Other Fees. If your check is dishonored or if we must return your check to you for any reason, we will charge your Purchases/Debits 
Account a fee of $25.00. Account printouts $1.00. Current and previous year statement copy fee $2.00. Older statement copy fee $3.00. Overnight fee $35.00.
10.  Default. You will be in default under this Agreement if any of the following events shall occur: (a) If you fail to comply with the minimum payment or any other terms 
or conditions of this Agreement or any other obligation you have or will have with us; (b) If you make false or misleading statements in any credit application or 
update of credit information; (c) If you should die or become insolvent; (d) If a petition should be filed or other proceedings should be started under the Federal 
Bankruptcy Code or any State insolvency statute by or against you; (e) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment 
should be issued against you or any of your property, assets or income; or (f) If we should consider yourself or any debts due under this Agreement unsafe or 
not completely secure of if we should believe, in good faith, that the chances of your paying or performing all of your obligations under this Agreement have 
been impaired. If you fail to fulfill the terms of this Agreement, a negative report reflecting on your credit record may be submitted to a credit reporting agency. 
We may ask for immediate payment of any amount owed if you are in default of any of the Terms and Conditions of this agreement.

11.  Lost or Stolen Cards. If your Card is lost or stolen or if you are afraid someone may use it without your permission, you must notify us at once by telephone 
at: 800.449.7728. You may not use the Card or any other Cards in your possession with the same card number after you have notified us, even if you get the 
Card back.

12.  Cancellation. You may cancel your account at any time by notifying us in writing and returning the card cut in half. We may cancel or suspend your Card at 
any time without prior notice or reissue a different one at any time. If we ask, you will destroy the Card by cutting it in half and will give it to us or our agent, or 
mail it to us. If the Card is cancelled or suspended, you will pay us the amount you owe as required by these Terms and Conditions. 

13.  Liability. Each of the applicant(s) for the Card and cosigner(s) will be liable individually and jointly for all Purchases/Debits and Cash Advances made with the 

Card, either by the Card applicant(s) or their authorized user(s).

14.  Liability  for  Unauthorized  Use.  You  agree  to  promptly  notify  the  Cardholder  Services,  telephone  number:  800.654.7728  in  the  event  you  suspect  any 
unauthorized use of the card. You may be liable for the unauthorized use of your Dividend Credit Card. You will not be liable for unauthorized use that occurs 
after you notify General Electric Credit Union at PO Box 31112, Tampa, FL 33631-3112, orally or in writing, of the loss, theft, or possible unauthorized use. In 
any case, your liability will not exceed $0.00.

15.  Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked with “Payment in Full” or similar language without 

losing any of our rights under this Agreement.

16.  Waiver. We won’t be considered to have waived our rights under this agreement if we delay or neglect to enforce them.
17.  Amendment. Subject to applicable state and federal laws and regulations and with such prior notice, if any, as may be required by laws or regulations, we may 

change any Terms and Conditions at any time and such changes, at our option, will apply to new Purchases/Debits and Cash Advances.

18.  Law. Your Account and these Terms and Conditions will be governed by the laws of the State of Ohio and applicable federal laws.
19.  Security Interest. You grant to us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the use of the 

Over

account. If you default, we shall have the right to recover any of the goods which have not been paid for through the application of your payments. Any collateral 
securing other loans currently with or hereafter arising with us may also secure any amount due on this account.

20.  Statutory lien on your account. If you are in default on a financial obligation to us or fail to satisfy a financial obligation to us, federal law permits us to apply 
the balance of shares and dividends in your account(s) at the time of default to satisfy your obligation. Once you are in default, we may exercise this right 
without further notice to you. If your account is jointly owned, and the joint owner(s) is indebted to us, we may use the balance of shares and dividends in the 
account to pay the debt of the joint owner. This statutory lien does not apply to IRAs or other tax-deferred retirement accounts.

21.  Legal Activity. Any financial service provided by the Credit Union may be used for any transaction permitted by law. You agree that illegal use of any financial 
service will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at the Credit Union’s 
discretion. You further agree, should illegal use occur, to waive the right to sue the Credit Union for such illegal activity directly or indirectly related to it. You 
also agree to indemnify and hold the Credit Union harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use.

22.  Annual Fee. None.
23.  Currency Exchange Rate. Purchase and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion 
rate to U.S. dollars will be determined in accordance with the operating regulations established by Visa USA. Currently the currency conversion rate used to 
determine the transaction amount in U.S. dollars is either a government mandated rate or the wholesale market rate in effect one day prior to the transaction 
processing date, increased by one percent. The currency conversion 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.

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. 

Notify Us in Case of Errors or Questions About Your Bill 
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write 
to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone 
us, but doing so will not preserve your rights. 
In your letter, give us the following information:
1.  Your name and account number
2.  The dollar amount of the suspected error
3.  Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.
If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is 
wrong.  To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we 
believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for 
the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not 
have to pay finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finances charges, and you will have to make up 
any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay 
the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us 
that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported 
you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first 
$50 of the questioned amount, even if your bill was correct. 

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 limitations on this right:

(a)   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
(b)   The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement 

for the property or services.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of: race, color, religion, 
national origin, gender, marital status, age, receipt of income from public assistance programs, and good faith exercise of any right under the 
Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning this credit union is the National Credit 
Union Administration, 7000 Central Parkway, Suite 1600, Atlanta, GA 30328. The Ohio Laws against discrimination require that all creditors make 
credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this law. California Residents: Applicants 1) may, after credit approval, use the 
credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. 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. 
New York and Vermont Residents: General Electric Credit Union may obtain at any time your credit reports, for any legitimate purpose associated with the 
account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, 
you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New 
York residents may contact the New York State Banking Department (1.800.518.8866) for a comparative list of credit card rates, fees and grace periods. Married 
Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect 
a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual 
knowledge of the provision.

INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate 
(APR) for Purchases

12.25% APR for Dividend Visa® 
This APR will vary with the market based on the Prime Rate.* 

APR for Balance Transfers

12.25% APR for Dividend Visa® 
This APR will vary with the market based on the Prime Rate.* 

APR for Cash Advances

12.25% APR for Dividend Visa® 
This APR will vary with the market based on the Prime Rate.* 

Penalty APR and When it 
Applies

Paying Interest

Not applicable.

How Long Will the Penalty APR Apply? Not applicable.

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 on the transaction date.

Minimum Interest Charge

If you are charged Interest, the charge will be no less than $0.00.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/
learnmore.

FEES

Annual Fees

None.

Transaction Fees

Balance Transfer

Cash Advance

$0.00 

$0.00 

Foreign Transaction

1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment

Returned Payment

$25.00 or the minimum payment amount (whichever is lesser) If a minimum payment is not 
made within 55 days after the date of a monthly statement.
$25.00 

How We Will Calculate Your Balance: We use the method called “Average Daily Balance (including new purchases).” See your 
Terms and Conditions for more details.

*Variable Rate Information: The APR for Purchases, Balance Transfers, and Cash Advances is determined quarterly by adding 
8.75% to The Wall Street Journal Prime Rate. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Terms and 
Conditions.

The information about the costs of the card described in this application is accurate as of December 30, 2015. It may have 
changed after that date. To find out about what may have changed, call: 513.243.4328 or 800.542.7093 or write: General Electric 
Credit Union, 10485 Reading Road, Cincinnati, Ohio  45241, Attn: EFT Department.

CO/SR 12/15

generAL eLeCTrIC CreDIT unIOn CLASSIC VISA® CArD TerMS AnD COnDITIOnS

	In	these	Terms	and	Conditions,	the	word	Card	means	a	single	Visa	card	or	two	or	more	Visa	cards	and	any	renewal	or	any	substitutes	used	for	the	Card.	The	words	
You,	Your,	and	Yours	mean	the	applicant(s)	and	anyone	else	the	applicant(s)	permits	to	use	the	Card.	The	words	We,	Us,	and	Ours	mean	General	Electric	Credit	
Union.

5.

3.	

4.	

6.	

1.	

2.	

Transactions.	You	can	use	your	Card	to	buy	or	lease	goods	or	services	(“Purchases”)	wherever	the	Card	is	honored	and	to	get	instant	cash	loans	and	make
other	cash	transactions	(“Cash	Advances”)	from	any	financial	institution	or	automatic	teller	machine	(card	only)	that	accepts	the	Card.	You	will	owe	us	for	all	
Purchases	and	Cash	Advances	charged	by	use	of	the	Card,	plus	any	other	charges	to	your	Card	Account	made	under	the	terms	of	this	Agreement	(“Debits”),	
plus	any	FINANCE	CHARGES,	all	payable	in	U.S.	dollars	and	as	required	by	these	Terms	and	Conditions.
Credit Line. Your	Credit	Line	is	listed	on	the	documents	accompanying	your	Card.	Your	Credit	Line	may	be	changed	and	your	latest	Credit	Line	will	be	listed	
on	your	monthly	billing	statement.	
Statements and Payments. If	you	have	a	balance	on	your	Account,	we	will	send	you	a	monthly	statement	that	will	show	separately	your	Purchases/Debits,
any	Cash	Advances,	FINANCE	CHARGES,	if	any,	the	minimum	payment	due,	and	the	date	the	payment	is	due.	You	can	pay	all	of	your	outstanding	balance	
on	your	Card	at	any	time,	but	you	must	make	at	least	a	minimum	payment	of	3%	of	your	Card	balance	or	$25.00	(whichever	is	greater)	within	25	days	from
the	date	of	each	monthly	statement.	You	will	be	charged	a	late	charge	of	$25.00	or	the	minimum	payment	amount	(whichever	is	lesser)	on	your	next	monthly
statement	if	a	minimum	payment	is	not	made	within	55	days	after	the	date	of	a	monthly	statement.
AnnuAL PerCenTAge rATe. Monthly Periodic rate and Annual Percentage rate (APr) as of May 1, 2012. The	Monthly	Periodic	Rate	used	to
compute	the	FINANCE	CHARGE	on	Visa	Classic	Card	Accounts	is	1.41666%	on	a	17.00%	APR.
FInAnCe CHArgeS on Purchases/Debits. No	FINANCE	CHARGE	will	be	imposed	if	the	New	Balance	shown	on	your	billing	statement	is	paid	in	full	within
25	days	of	the	Billing	Date.	If	not	paid	in	full,	we	figure	the	FINANCE	CHARGE	on	your	account	by	applying	the	monthly	periodic	rate	to	the	“average	daily	
balance”	of	the	unpaid	balance	of	your	account	(including	current	transactions).
FInAnCe CHArgeS on Cash Advances.	The	FINANCE	CHARGE	on	Cash	Advances	begins	to	accrue	on	the	date	you	obtain	the	Cash	Advance	or	the
first	day	of	the	billing	cycle	in	which	it	is	posted	to	your	account,	whichever	is	later.	We	figure	the	FINANCE	CHARGE	on	your	account	by	applying	the	monthly	
periodic	rate	to	the	“average	daily	balance”	of	your	account	(including	current	transactions).
Average Daily Balance. The	“average	daily	balance”	is	determined	by	dividing	the	sum	of	the	daily	balances	during	the	billing	cycle	by	the	number	of	days
in	the	cycle.	Each	daily	balance	of	Credit	Purchases	(and,	if	applicable,	Cash	Advances)	is	determined	by	subtracting	from	the	Previous	Balance	of	Credit
Purchases	(and,	if	applicable,	Cash	Advances)	any	payments	received	and	credits	as	posted	to	your	account,	but	excluding	any	unpaid	FINANCE	CHARGES.		
All	fees	except	for	the	late	charge	shall	be	treated	as	purchases	for	the	purpose	of	computing	the	Average	Daily	Balance.
returned Check and Other Fees. If	your	check	is	dishonored	or	if	we	must	return	your	check	to	you	for	any	reason,	we	will	charge	your	Purchases/Debits
Account	a	fee	of	$25.00.	Account	printouts	$1.00.	Current	and	previous	year	statement	copy	fee	$2.00.	Older	statement	copy	fee	$3.00.	Overnight	fee	$35.00.
Default. You	will	be	in	default	under	this	Agreement	if	any	of	the	following	events	shall	occur:	(a)	If	you	fail	to	comply	with	the	minimum	payment	or	any
other	terms	or	conditions	of	this	Agreement	or	any	other	obligation	you	have	or	will	have	with	us;	(b)	If	you	make	false	or	misleading	statements	in	any	credit	
application	or	update	of	credit	information;	(c)	If	you	should	die	or	become	insolvent;	(d)	If	a	petition	should	be	filed	or	other	proceedings	should	be	started	
under	the	Federal	Bankruptcy	Code	or	any	State	insolvency	statute	by	or	against	you;	(e)	If	a	Receiver	should	be	appointed	or	a	writ	or	order	of	attachment,	
levy	or	garnishment	should	be	issued	against	you	or	any	of	your	property,	assets	or	income;	or	(f)	If	we	should	consider	yourself	or	any	debts	due	under	this	
Agreement	unsafe	or	not	completely	secure	of	if	we	should	believe,	in	good	faith,	that	the	chances	of	your	paying	or	performing	all	of	your	obligations	under	
this	Agreement	have	been	impaired.	If	you	fail	to	fulfill	the	terms	of	this	Agreement,	a	negative	report	reflecting	on	your	credit	record	may	be	submitted	to	a	
credit	reporting	agency.	We	may	ask	for	immediate	payment	of	any	amount	owed	if	you	are	in	default	of	any	of	the	Terms	and	Conditions	of	this	agreement.
10.	 Lost or Stolen Cards. If	your	Card	is	lost	or	stolen	or	if	you	are	afraid	someone	may	use	it	without	your	permission,	you	must	notify	us	at	once	by	telephone
at:	800.449.7728.	You	may	not	use	the	Card	or	any	other	Cards	in	your	possession	with	the	same	card	number	after	you	have	notified	us,	even	if	you	get	the
Card	back.

7.	

8.	

9.	

11.	 Cancellation.	You	may	cancel	your	account	at	any	time	by	notifying	us	in	writing	and	returning	the	card	cut	in	half.	We	may	cancel	or	suspend	your	Card	at
any	time	without	prior	notice	or	reissue	a	different	one	at	any	time.	If	we	ask,	you	will	destroy	the	Card	by	cutting	it	in	half	and	will	give	it	to	us	or	our	agent,	
or	mail	it	to	us.	If	the	Card	is	cancelled	or	suspended,	you	will	pay	us	the	amount	you	owe	as	required	by	these	Terms	and	Conditions.	

12.	 Liability.	Each	of	the	applicant(s)	for	the	Card	and	co-signer(s)	will	be	liable	individually	and	jointly	for	all	Purchases/Debits	and	Cash	Advances	made	with

the	Card,	either	by	the	Card	applicant(s)	or	their	authorized	user(s).

13.	 Liability for unauthorized use. You	agree	to	promptly	notify	the	Cardholder	Services,	telephone	number:	800.654.7728	in	the	event	you	suspect	any
unauthorized	use	of	the	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	General	Electric	Credit	Union	at	PO	Box	31112,	Tampa,	FL	33631-3112,	orally	or	in	writing,	of	the	loss,	theft,	or	possible	unauthorized	use.	In	any	case,	
your	liability	will	not	exceed	$0.00.
Irregular Payments. We	can	accept	late	payments	or	partial	payments,	or	checks	and	money	orders	marked	with	“Payment	in	Full”	or	similar	language
without	losing	any	of	our	rights	under	this	Agreement.

14.	

15.	 Waiver.	We	won’t	be	considered	to	have	waived	our	rights	under	this	agreement	if	we	delay	or	neglect	to	enforce	them.
16.	 Amendment.	Subject	to	applicable	state	and	federal	laws	and	regulations	and	with	such	prior	notice,	if	any,	as	may	be	required	by	laws	or	regulations,	we

may	change	any	Terms	and	Conditions	at	any	time	and	such	changes,	at	our	option,	will	apply	to	new	Purchases/Debits	and	Cash	Advances.

17.	 Law.	Your Account	and	these	Terms	and	Conditions	will	be	governed	by	the	laws	of	the	State	of	Ohio	and	applicable	federal	laws.
18.	 Security Interest. You	grant	to	us	a	purchase	money	security	interest	under	the	Uniform	Commercial	Code	in	any	goods	you	purchase	through	the	use	of
the	account.	If	you	default,	we	shall	have	the	right	to	recover	any	of	the	goods	which	have	not	been	paid	for	through	the	application	of	your	payments.	Any
collateral	securing	other	loans	currently	with	or	hereafter	arising	with	us	may	also	secure	any	amount	due	on	this	account.

19.	 Statutory lien on your account.	If	you	are	in	default	on	a	financial	obligation	to	us	or	fail	to	satisfy	a	financial	obligation	to	us,	federal	law	permits	us	to	apply
the	balance	of	shares	and	dividends	in	your	account(s)	at	the	time	of	default	to	satisfy	your	obligation.	Once	you	are	in	default,	we	may	exercise	this	right	
without	further	notice	to	you.	If	your	account	is	jointly	owned,	and	the	joint	owner(s)	is	indebted	to	us,	we	may	use	the	balance	of	shares	and	dividends	in	the
account	to	pay	the	debt	of	the	joint	owner.	This	statutory	lien	does	not	apply	to	IRAs	or	other	tax-deferred	retirement	accounts.

20.	 Legal Activity. Any	financial	service	provided	by	the	Credit	Union	may	be	used	for	any	transaction	permitted	by	law.	You	agree	that	illegal	use	of	any	financial
service	will	be	deemed	an	action	of	default	and/or	breach	of	contract	and	such	service	and/or	other	related	services	may	be	terminated	at	the	Credit	Union’s	
discretion.	You	further	agree,	should	illegal	use	occur,	to	waive	the	right	to	sue	the	Credit	Union	for	such	illegal	activity	directly	or	indirectly	related	to	it.	You	
also	agree	to	indemnify	and	hold	the	Credit	Union	harmless	from	any	suits	or	other	legal	action	or	liability,	directly	or	indirectly,	resulting	from	such	illegal	use.

21.	 Annual Fee. None.

Over

22.	 Currency exchange rate.	Purchase	and	cash	advances	made	in	foreign	countries	and	foreign	currencies	will	be	billed	to	you	in	U.S.	dollars.	The	conversion	
rate	to	U.S.	dollars	will	be	determined	in	accordance	with	the	operating	regulations	established	by	Visa	USA.	Currently	the	currency	conversion	rate	used	to	
determine	the	transaction	amount	in	U.S.	dollars	is	either	a	government	mandated	rate	or	the	wholesale	market	rate	in	effect	one	day	prior	to	the	transaction	
processing	date,	increased	by	one	percent.	The	currency	conversion	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.

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.		

Notify Us in Case of Errors or Questions About Your Bill	
If	you	think	your	bill	is	wrong,	or	if	you	need	more	information	about	a	transaction	on	your	bill,	write	us	on	a	separate	sheet	at	the	address	listed	on	your	bill.	Write	
to	us	as	soon	as	possible.	We	must	hear	from	you	no	later	than	60	days	after	we	sent	you	the	first	bill	on	which	the	error	or	problem	appeared.	You	can	telephone	
us,	but	doing	so	will	not	preserve	your	rights.		
In	your	letter,	give	us	the	following	information:

1.	
2.	
3.	

Your	name	and	account	number
The	dollar	amount	of	the	suspected	error
Describe	the	error	and	explain,	if	you	can,	why	you	believe	there	is	an	error.	If	you	need	more	information,	describe	the	item	you	are	not	sure	about.

If	you	have	authorized	us	to	pay	your	credit	card	bill	automatically	from	your	savings	or	checking	account,	you	can	stop	the	payment	on	any	amount	you	think	is	
wrong.		To	stop	the	payment	your	letter	must	reach	us	three	business	days	before	the	automatic	payment	is	scheduled	to	occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice
We	must	acknowledge	your	letter	within	30	days,	unless	we	have	corrected	the	error	by	then.	Within	90	days,	we	must	either	correct	the	error	or	explain	why	we	
believe	the	bill	was	correct.	After	we	receive	your	letter,	we	cannot	try	to	collect	any	amount	you	question,	or	report	you	as	delinquent.	We	can	continue	to	bill	you	for	
the	amount	you	question,	including	finance	charges,	and	we	can	apply	any	unpaid	amount	against	your	credit	limit.	You	do	not	have	to	pay	any	questioned	amount	
while	we	are	investigating,	but	you	are	still	obligated	to	pay	the	parts	of	your	bill	that	are	not	in	question.	If	we	find	that	we	made	a	mistake	on	your	bill,	you	will	not	
have	to	pay	finance	charges	related	to	any	questioned	amount.	If	we	didn’t	make	a	mistake,	you	may	have	to	pay	finances	charges,	and	you	will	have	to	make	up	
any	missed	payments	on	the	questioned	amount.	In	either	case,	we	will	send	you	a	statement	of	the	amount	you	owe	and	the	date	that	it	is	due.	If	you	fail	to	pay	
the	amount	that	we	think	you	owe,	we	may	report	you	as	delinquent.	However,	if	our	explanation	does	not	satisfy	you	and	you	write	to	us	within	ten	days	telling	us	
that	you	still	refuse	to	pay,	we	must	tell	anyone	we	report	you	to	that	you	have	a	question	about	your	bill.	And,	we	must	tell	you	the	name	of	anyone	we	reported	
you	to.	We	must	tell	anyone	we	report	you	to	that	the	matter	has	been	settled	between	us	when	it	finally	is.	If	we	don’t	follow	these	rules,	we	can’t	collect	the	first	
$50	of	the	questioned	amount,	even	if	your	bill	was	correct.	

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	limitations	on	this	right:

(a)		 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
(b)		 The	purchase	price	must	have	been	more	than	$50.	These	limitations	do	not	apply	if	we	own	or	operate	the	merchant,	or	if	we	mailed	you	the	advertisement	

for	the	property	or	services.

The Federal equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of: race, color, religion, 
national origin, gender, marital status, age, receipt of income from public assistance programs, and good faith exercise of any right under the 
Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning this credit union is the national Credit 
union Administration, 7000 Central Parkway, Suite 1600, Atlanta, gA 30328. The Ohio Laws against discrimination require that all creditors make 
credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil rights Commission administers compliance with this law. California residents:	Applicants	1)	may,	after	credit	approval,	use	the	
credit	card	account	up	to	its	credit	limit;	2)	may	be	liable	for	amounts	extended	under	the	plan	to	any	joint	applicant.	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.	
new York and Vermont residents:	General	Electric	Credit	Union	may	obtain	at	any	time	your	credit	reports,	for	any	legitimate	purpose	associated	with	the	
account	or	the	application	or	request	for	an	account,	including	but	not	limited	to	reviewing,	modifying,	renewing	and	collecting	on	your	account.	On	your	request,	
you	will	be	informed	if	such	a	report	was	ordered.	If	so,	you	will	be	given	the	name	and	address	of	the	consumer	reporting	agency	furnishing	the	report.	New	
York	residents	may	contact	the	New	York	State	Banking	Department	(1.800.518.8866)	for	a	comparative	list	of	credit	card	rates,	fees	and	grace	periods. Married 
Wisconsin residents:	No	provision	of	any	marital	property	agreement,	unilateral	statement,	or	court	order	applying	to	marital	property	will	adversely	affect	
a	creditor’s	interests	unless	prior	to	the	time	credit	is	granted,	the	creditor	is	furnished	with	a	copy	of	the	agreement,	statement	or	court	order,	or	has	actual	
knowledge	of	the	provision.

InTereST rATe AnD InTereST CHArgeS

Annual Percentage rate 
(APr) for Purchases

17.00%	APR	for	Classic	Visa®	

APr for Balance Transfers

17.00%	APR	for	Classic	Visa®	

APr for Cash Advances

17.00%	APR	for	Classic	Visa®	

Penalty APr and When it 
Applies

Not	applicable.

How Long Will the Penalty APr Apply?	Not	applicable.

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	on	the	transaction	date.

Minimum Interest Charge

If	you	are	charged	Interest,	the	charge	will	be	no	less	than	$0.00.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To	learn	more	about	factors	to	consider	when	applying	for	or	using	a	credit	card,	visit	the	
website	of	the	Consumer	Financial	Protection	Bureau	at:	http://www.consumerfinance.gov/
learnmore.

FeeS

Annual Fees

none.

Transaction Fees

Balance Transfer

Cash Advance

$0.00 

$0.00 

Foreign Transaction

1% of	each	transaction	in	U.S.	dollars.

Penalty Fees

Late Payment

returned Payment

$25.00 or the minimum payment amount (whichever is lesser) If	a	minimum	payment	is	not	
made	within	55	days	after	the	date	of	a	monthly	statement.
$25.00 

How We Will Calculate Your Balance:	We	use	the	method	called	“Average	Daily	Balance	(including	new	purchases).”	See	your	
Terms	and	Conditions	for	more	details.

Billing rights:	Information	on	your	rights	to	dispute	transactions	and	how	to	exercise	those	rights	is	provided	in	your	Terms	and	
Conditions.

The	information	about	the	costs	of	the	card	described	in	this	application	is	accurate	as	of	May	1,	2012.	It	may	have	changed	after	
that	date.	To	find	out	about	what	may	have	changed,	call:	513.243.4328	or	800.542.7093	or	write:	General	Electric	Credit	Union,	
10485	Reading	Road,	Cincinnati,	Ohio		45241,	Attn:	EFT	Department.

CO/JL	5/12