Updated:  11/01 /202 1 
  
 
    VISA � CARDHOLDER AGREEMENT  
 
In this agreement, the words �you� and �your� mean the cardholder or holders and anyone else you authorize to use the 
credit card account.  The words �we�, �us� or �our� mean Eastman Credit Union.  The word �account � means your Visa � 
credit card line of credit.  
 
1. OTHERS USING YOUR ACCOUNT.  You are responsible for all authorized transactions.  Use of the account by you or 
by anyone for your benefit  or with your permission are authorized transactions.  You may designate individuals as 
Authorized Users who may transact on the Account using Cards issued in their names.  You are responsible for all 
charges made by Authorized Users.  
 
2. AGREEMENT TO TERM S.  In accordance with your request, we have opened an account for you.  Your signature on 
the application, your retention of the Card, and/or your use of the account in any way means you agree to the terms of this 
Agreement and the provisions of the Card itself.  This Agreement governs your Account and use of the Card we have 
issued to you.  We will pay member merchants for goods and  services you obtain by use of the Card and make other 
loans to you on terms explained later in this Agreement.  You authoriz e us to charge your Account for all such amounts, 
and for other amounts advanced to third parties on your behalf.  This includes without limitation, any amounts we advance 
on your behalf as a result of any Card related services offered by Visa U.S.A., Inc.  
 
3. PROMISE TO PAY.   You promise to pay the total amount owed for any goods and services purchased , cash advances 
obtained , and/or other a uthorized transactions.  You promise to pay any FINANCE CHARGES, fees or other charges you 
owe.  If your Account is a  joint account, you and your joint account holder each promise to pay and are jointly and 
individually responsible for all amounts due on the Account.  
    
4. CREDIT LINE.   You will be notified of your Credit Line (limit).  You promise that the total balanc e of purchases and 
cash advances will not exceed that limit.  You may request an increase in your Credit Line, which must be approved by 
us.  By giving you written notice , we may change your interest rate from time to time, or with good cause, may change 
your Credit Line or revoke your card and terminate this agreement.  Good cause includes your failure to comply with this 
Agreement, or our reevaluation of your creditworthiness.  You may also terminate this Agreement at any time but 
termination by either of  us does not affect your obligation to pay the account balance.  The cards remain our property and 
you must recover and surrender to us all cards upon our request and upon termination of this Agreement.  (Cut them in 
half for safety.)  
 
5. MINIMUM PAYMENTS.   You can make full payment at any time.  If you don't, you must make the minimum payment 
shown on your statement within 25 days of the closing date reflected on the statement.  Your minimum payment will be 
2.5% of your new balance as shown on your stateme nt, but at least $25.00.  However, if the new balance as shown on 
your statement is less than $25.00 you pay only the balance owed.   Any charge exceeding your credit limit will be 
reflected in your new balance as shown on your statement.   Amounts exceeding  your credit limit are subject to the 
minimum payment requirements as set forth above.  
 
6. IRREGULAR PAYMENTS.   You agree that we may accept partial payments of amounts due or late payments without 
losing any of our rights under this Agreement.  You also a gree that we may accept checks and money orders marked 
"payment in full" or otherwise purporting to be in full satisfaction of your outstanding balance without accepting any such 
condition or losing any of our rights in this Agreement.  
 
7. HOW WE APPLY YOU R PAYMENTS.   Loan payments are applied in the following order: unpaid finance charges, 
previously billed miscellaneous charges  (i.e. Late Fee(s),  Debt Protection Premium(s),  if applicable),  and principal 
reduction.  The principal reduction portion of the payment is credited to balances in the following orde r, unless otherwise 
required by law :  cash advance, balance transfer, and finally purchases.    
 
8. FINANCE CHARGES.   You can avoid FINAN CE CHARGES (interest) on purchases by paying the full amount of the 
New Balance of Purchases each month within 25 days of your statement closing date.  Balances not paid in full, along 
with subsequent purchases from the date they are posted to your account , which are carried over to the next billing cycle 
will be subject to a FINANCE CHARGE.  Cash Advances and Balance Transfers are always subject to a FINANCE 
CHARGE from the date th ey are posted to your account.  FINANCE CHARGES are calculated using the ave rage daily 
principal balances of purchases , cash advances and balance transfers in the account.  The principal balances of 
 Updated:  11/01 /202 1 
 purchases , cash advances and balance transfers are determined each day during the statement period, beginning with 
the principal port ion of your Previous Balances, reduced by payments you make and credits we apply, and increased by 
purchases , cash advances and balance transfers you make and debit adjustments we make during the statement period.  
The daily principal balances are totaled and divided by the number of days in the statement period, to produce separate 
average daily principal balances for purchases , cash advances and balance transfers to which the periodic rate is then 
applied.    
 
9A. VARIABLE RATE ACCOUNTS.  If your V isa account has a variable rate, your interest rate is based on the Prime 
Rate published in the Wall Street Journal on the last business day of the month plus a margin that is based on your 
creditworthiness. Your interest rate will change if the Prime Rate  changes.  Any changes in your interest rate will affect the 
amount of interest you pay and your minimum payment.  The interest rate will be adjusted on the first day of the billing 
cycle following the prime rate change .  If two rates are reported in the J ournal, the higher rate will be used.  Your 
maximum percentage rate can be 18.00% (Daily periodic rate 0.04932%).  Any request for a change in your account 
could result in a change in your rate and terms.  Please contact ECU for a copy of current rate info rmation,  or see your 
notification of cardholder approval for your rate.  
 
9B. FIXED RATE ACCOUNTS.  If your V isa account has a fixed rate, Eastman Credit Union will set the ANNUAL 
PERCENTAGE RATE based on your creditworthiness.  Your fixed ANNUAL PERCENTAGE RATE is between 9.90% 
(Daily periodic rate 0.02712%) and 18.00% (Daily periodic rate 0.04932%).  (See your notification of cardholder approval 
for your rate.)     
 
10. DISPUTES.   You agree to accept monthly statements we mail you as being correct unless you notify Eastman Credit 
Union  (423-229-8200 or 800 -999-2328 ) of any alleged errors within the time period prescribed by law.  Your rights to 
dispute billing errors are set forth in this Agreement.  Even though an amount is in dispute you understand that you must 
pay the required minimum payment that is due less the portion attributable to the disputed amount.  If there is a problem 
with merchandise or services obtained with the Card, you may have the right not to pay the remaining amount due on 
them.  An explanation of your rights is stated later in this agreement.  We will have no responsibility for merchandise or 
services purchased with the Card unless required by law.  
 
11. FAILURE TO HONOR CARD.   We are not responsible if anyone refuses to honor the Card.  
  
12. CHANGE OF NAME, ADDRESS OR EMPLOYMENT.   You agree to give us your new information if you move, 
change your name or change your employment.  You will write this information on the payment stub of your periodic 
statement and return it with your monthly payment so we can change our records.  
 
13. FINANCIAL AND O THER INFORMATION.   You agree to promptly provide us, from time to time upon request, with 
current information regarding you and your financial affairs.  You authorize us to receive, from time to time, information 
from others concerning you and your credit accounts, and to answer questions from others regarding our credit 
experience with you.  
 
14. LOST OR STOLEN CARD /UNAUTHORIZED USE .  If you report your card as lost/stolen or having been used without 
authorization upon discovering the loss, your liability i s zero.  There may be exceptions to the extent allowed under 
applicable law if our investigation reveals you failed to take necessary steps to prevent unauthorized use of your card.  
 
You agree to notify us promptly of the loss, theft, or possible unauthori zed use of the Card by calling the following 
number (s): (Call collect if necessary ) 423 -229-8200 or 1-800-999-2ECU . 
 
15. NOTICES.   If we have to notify you of anything concerning your credit card account, we will use your name and 
address as it appears in our records.  If we do this, the notice will be effective.  
 
16. AUTOMATED EQUIPMENT.   Transactions effected with electronic equip ment shall be subject to the rules and 
regulations applicable to the use of such equipment.  You agree that we will incur no liability by reason of any failure of 
automated teller machines or similar equipment.  
 
17. SECURITY INTEREST.   To secure your accou nt, you grant us a purchase money security interest under the Uniform 
Commercial Code in any goods you purchase through the account.  You have also granted us a security interest in all 
individual and joint share and/or deposit accounts you have with us no w and in the future with the exception of Individual 
Retirement Accounts or other similar accounts receiving special tax treatment. Collateral securing other loans may also 
secure this account.   
  Updated:  11/01 /202 1 
 18.  DEFAULT.   You will be in default if you fail to make a ny payment when due, exceed your credit limit under any 
account, die, file or otherwise become subject to any bankruptcy or insolvency proceedings or do not comply with any of 
the terms governing any account with us.  You will also be in default if somethi ng happens that we believe may seriously 
affect your ability to repay what you owe under this Agreement.   If you default, we may, at our option, declare any 
amounts you owe under any or all accounts to be immediately due and payable.  Also, we may revoke t he privileges 
attaching to any or all Card(s), adjust the Annual Percentage Rate due to adverse conditions, cancel the Card(s) and 
terminate this Agreement as to future Purchases and Cash Advances.  
 
19.  COLLECTION COSTS.   You promise to pay all collection  costs, including attorneys� fees in the amount of 25% of the 
outstanding balance on your account or as permitted by law .   
 
20.  RETURNS AND ADJUSTMENTS.   Merchants and others who honor the Card may give credit for returns or 
adjustments, and they will do  so by sending us a credit slip which we will post to your account.  If your credits and 
payments exceed what you owe us, we will deposit the excess funds in your regular share account no later than 6 months 
after the statement date following the excess cr edit or payment.   If you want ECU to deposit the excess funds in your 
regular share account sooner, you may contact ECU at 800 -999-2328.  It is the seller's responsibility to promptly mail or 
deliver the credit to us so we can credit your account.  We aren't responsible for the seller's failure to mail or deliver th e 
credit promptly.   
 
21. LATE/COLLECTION CHARGE.   You promise to pay a late/ collection charge if we have not received the minimum 
payment by 6:30 PM ET on the fifth day after the end of your permitted 25 -day payment period. (The permitted 25 -day 
payment period is explained under the "Minimum Payments" section.) The late/collection  charge will be $25.00 or an 
amount equivalent to your monthly minimum payment, whichever is less.   However, you will not be required to pay a 
late/collection charge more than once on the same late amount, even if that amount remains past due for more than  one 
billing period.   You agree not to use your account to make purchases or cash advances from the time a late/collection 
charge is imposed until you bring your account current by making the minimum payment which you have failed to make.  
 
22.  DRAFTS/BALA NCE TRANSFERS.    We may issue Drafts for use with your Account or process balance transfer 
requests on your Account.  The amount of each Draft or balance transfer will be charged to your Account as a Cash 
Advance.  There is no charge for supplying Drafts o r processing balance transfer requests.  Drafts must be used only by 
the account holder and must be completed and signed in the same way as a regular personal check.  You may use the 
Drafts issued the way you use regular checks, however, you cannot use a d raft to pay any amount owed under the 
Agreement.  We reserve the right to refuse payment of any Draft presented under the following circumstances:  
 
 (a) If you are in default under this Agreement.  
 (b) If your right to use Drafts is cancelled or suspended.  
 
23. CHANGES IN AGREEMENT.   You agree that the terms of this Agreement may be changed from time to time upon 
notice, when required by law, being placed in the mail not less than 45 days prior to the effective date of the change.  Any 
such change s shall be applicable to all balances outstanding on the effective date of the change.  
 
24.  INVALIDITY.    If one or more provisions of this agreement are declared invalid or unenforceable, the remaining 
conditions and terms stand on their own and won't be  affected.  
 
25.  WHAT LAW APPLIES?   This agreement and all transactions under it will be governed by laws of the State of 
Tennessee and the laws of the United States.     
 
 26.  ILLEGAL TRANSACTIONS.   You agree that you will not use your Account/Card to engage in any illegal activities, 
including but not limited to Online Gambling.  If you use your Account/Card to engage in any illegal activities,  you will 
nevertheless be liable for these activities.  
 
27.  CHARGES MADE IN FOREIGN CURRENCY (International transactions).   Purchases from merchants located in 
foreign countries or withdrawals made in foreign countries will be billed to you in U.S. dollars .  The currency conversion 
rate for international tran sactions is a rate selected by Visa from the 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 applica ble central processing date.  Please note that a credit to your account 
may not be fully offset due to changes in the exchange rate; therefore, you will be responsible for the difference.  
 
28.  CASH REWARD S PROGRAM.   Applicable only if you have the ECU Cash Rewards Visa.  You will earn at least one 
percent (1%) cash back  (the �Cash Reward�)  on Net Purchases made with the Card. Net purchases are earned based on 
new net retail transactions ("Net Purchases" i.e. purchases  less credits, returns and adjustments) charged to the Account  Updated:  11/01 /202 1 
 during each periodic billing cycle. When a purchase or transaction is not a whole dollar amount, any fraction equal to or 
greater than $0.50 will be rounded up to the nearest whole dollar and a ny fraction equal to or less than $0.49 will be 
rounded down to the nearest whole dollar.  Transactions that are not eligible for Cash Rewards include, but are not limited 
to, cash advances including ATM withdrawals, money orders, balance transfers, conveni ence checks, drafts, fees, interest 
charges and travelers check purchases.  Earned Cash Rewards will be itemized on your periodic statement and will 
indicate total amount of cash rewards earned during the statement month and total amount of cash rewards available for 
redemption. We reserve the right to exclude from Net Purchases unauthorized Purchases (or which are later returned or 
disputed) and Purchases which are added to your Account after you are past due or over limit. We reserve the right to add 
other transactions to the list of ineligible transactions at our discretion and at any time. Any questions regarding eligibilit y 
of transactions shall be determined by us in our sole discretion. This program is void where prohibited or restricted by law. 
You are responsible for any federal, state or local income or other taxes. We reserve the right to modify, amend or 
termi nate the Cash Reward s Program at any time.  
 
29.  CASH REWARD S REDEMPTION.   Applicable only if you have the ECU Cash Rewards Visa.  You may request a 
reward redemption at any point after reward amount reaches $25.00. Rewards will not be given in an amount less than 
$25.00. Reward shall be deposited by ACH into the ECU account of your choice . Rewards shall be requested through 
ECU�s Online Banking or via a request to us. Your Account must be open and in good standing at the time of redemption. 
We reserve the right to suspend your participation in the Cash Reward s Program until your Account is i n good standing.  
 
30.  PLATINUM PREFERRED REWARDS PROGRAM.  Applicable only if you have the ECU Platinum Preferred Visa.  
Cardholders will be enrolled in ECU Credit Card Rewards, a points -based rewards program.  Additional terms and 
conditions of the ECU Credit Card Rewards program are included in the Program terms and conditions and can be 
obtained at https://ecu.org/creditcardrewards .   
 
31.  USE OF CARD.  Use of the card signifies agreement to the cu rrent conditions set forth by the financial institution.   
 
32.  MILITARY LENDING ACT MEMBERS.  Federal law provides important protections to members of the Armed Forces 
and their dependents relating to extensions of consumer credit.   In general, the cost o f 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:   costs associated with credit insurance premiums ; fees for 
ancillary products sold in connection with the credit transaction; any application fee charged (other than certain applicatio n 
fees for specified credit transactions or accounts); and any participation fee charged (other than certain participati on fees 
for a credit card account).   Please call us at 1 -877-230-3362 to receive disclosures orally.       Updated:  11/01 /202 1 
  
Interest Rates and Interest Charges  
 
 
 
 
PROGRAM  CLASSIC   
FIXED  
Eastman Credit Union will set 
your fixed APR based on your 
creditworthiness.  You will be 
informed of your specific APR 
before you become 
contractually liable for the 
account.  CLASSIC  
VARIABLE � 
Based on Prime Rate p lus a 
margin based on your 
creditworthiness.  You will be 
informed of your specific APR 
before you become 
contractually liable for the 
account.  Your interest rate may 
change.  
 PLATINUM  
PREFERRED�  
FIXED  
 
 
Annual 
Percentage 
Rate (APR)�  
for  
Purchases  Minimum fixed rate  
10.90%  
to a Maximum fixed rate  
18.00%  
Based on creditworthiness  APR may vary.  
Currently  
7.75% to 
18.00 % 
Based on creditworthiness  Low fixed rate  
9.90%  
 
APR�  
for 
 Balance 
Transfers  Minimum fixed rate  
10.90%  
to a Maximum fixed rate  
18.00%  
Based on creditworthiness  APR may vary.  
Currently  
7.75% to 
18.00 % 
Based on creditworthiness  Low fixed rate  
9.90%  
 
APR�  
for  
Cash  
Advances  Minimum fixed rate  
10.90%  
to a Maximum fixed rate  
18.00%  
Based on creditworthiness  APR may vary.  
Currently  
7.75% to 
18.00 % 
Based on creditworthiness  Low fixed rate  
9.90%  
Penalty APR 
and When It 
Applies   
NA  
NA  
NA 
 
 
 
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.   
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 eac h month.  We will 
begin charging interest on cash 
advances and balance transfers 
on the transaction date.   
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 bal ance by the due 
date each month.  We will begin 
charging interest on cash 
advances and balance transfers 
on the transaction date.  
Minimum 
Interest 
Charge   
NA  
NA  
NA  Updated:  11/01 /202 1 
 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  To learn more about factors to 
conside r when applying for or 
using a credit card, visit the 
website of the Consumer 
Financial Protection Bureau at  
http://www.consumerfinance . 
gov/learnmore  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 Fee  
 
  
NONE   
NONE   
NONE  
Transaction 
Fees  
*Balance     
Transfer  
*Cash 
Advance  
  
 
NONE  
 
NONE   
 
NONE  
 
NONE   
 
NONE  
 
NONE  
Visa� 
International 
Service 
Assessment 
(ISA) Fee   
 
NONE   
 
NONE   
 
NONE  
Penalty Fees  
*Late 
Payment  
*Over -the-
Credit Limit  
*Returned 
Payment   
Up to $25  
 
NONE  
 
NONE   
Up to $25  
 
NONE  
 
NONE   
Up to $25  
 
NONE  
 
NONE  
�The U.S. Prime Rate used to determine your APRs for each billing period is the U.S. Prime Rate published in the Wall Street Journal 
on the last business day of the month.  If two rates are reported, the higher rate will be used.  
�Plati num Preferred offers a Rewards Program � for every dollar spent ( net purchases only), you earn at least one point toward 
various gift items and travel services.   
�APR information is accurate as of October 1 , 2021  and may change after that.  To find out wh at may have changed, write to ECU, 
P.O. Box 1989, Kingsport, TN 37662 or call 423 -229-8200 or 800 -999-2328.  Illinois residents may contact the Illinois Commissioner 
of Bank and Trust Companies for comparative information on interest rates, charges, fees a nd grace periods, at State of Illinois CIP, 
P.O. Box 10181, Springfield, IL 62791 or 800 -634-5452.  Visa� is a federally registered service mark of Visa U.S.A., Inc.  
How We Will Calculate Your Balance:   We use a method called �average daily balance (including new purchases)�.  See your account 
agreement for more details.  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.  
Minimum Monthly Payment  � 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full.  
 
 
 
 
 
  Updated:  11/01 /202 1 
 Interest Rates and Interest Charges    
 
 
PROGRAM  CLASSIC SECURE  
FIXED  
Eastman Credit Union will set your fixed APR 
based on your creditworthiness.  You will be 
informed of your specific APR before you 
become contractually liable for the account.  ECU CASH REWARDS�  
FIXED  
Eastman Credit Union will set your fixed APR 
based on your creditworthiness.  You will be 
informed of your specific APR before you 
become contractually liable for the account.  
 
Annual Percentage 
Rate (APR) � 
for  
Purchases  Minimum fixed rate  
10.90%  
to a Maximum fixed rate  
18.00%  
Based on creditworthiness  Minimum fixed rate  
12.90%  
to a Maximum fixed rate  
17.90 % 
Based on creditworthiness  
 
APR� 
for 
 Balance Transfers  Minimum fixed rate  
10.90%  
to a Maximum fixed rate  
18.00%  
Based on creditworthiness  Minimum fixed rate  
12.90%  
to a Maximum fixed rate  
17.90 % 
Based on creditworthiness  
 
APR�  
for  
Cash Advances  Minimum fixed rate  
10.90%  
to a Maximum fixed rate  
18.00%  
Based on creditworthiness  Minimum fixed rate  
12.90%  
to a Maximum fixed rate  
17.90 % 
Based on creditworthiness  
Penalty APR and 
When It Applies   
NA  
NA 
 
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 bala nce transfers on the 
transaction date.  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   
NA  
NA 
 
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   
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  
 
   Updated:  11/01 /202 1 
  
Fees    
 
Annual Fee  
 
  
NONE   
NONE  
Transaction Fees  
 
*Balance Transfer  
 
*Cash Advance  
  
 
NONE  
 
NONE   
 
NONE  
 
NONE  
Visa� International 
Service Assessment 
(ISA) Fee   
NONE   
NONE  
Penalty Fees  
*Late Payment  
 
*Over -the-Credit Limit  
 
*Returned Payment   
Up to $25  
 
NONE  
 
NONE   
Up to $25  
 
NONE  
 
NONE  
�ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash.  Please  
review your Cardholder Agreement for complete details.  
�APR information is accurate as of October 1 , 2021 and  may change after that.  To find out what may have changed, write to ECU, 
P.O. Box 1989, Kingsport, TN 37662 or call 423 -229-8200 or 800 -999-2328.  Illinois residents may contact the Illinois Commissioner 
of Bank and Trust Companies for comparative informa tion on interest rates, charges, fees and grace periods, at State of Illinois CIP, 
P.O. Box 10181, Springfield, IL 62791 or 800 -634-5452.  Visa� is a federally registered service mark of Visa U.S.A., Inc.  
How We Will Calculate Your Balance:   We use a metho d called �average daily balance (including new purchases)�.  See your account 
agreement for more details.  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.  
Minimum Mo nthly Payment  � 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full.  
 
 
 
 
 
 
  Updated:  11/01 /202 1 
 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 need more information about a transaction on your bill, write us on a separate sheet at:  
 
                       Eastman Credit Union                     Phone - 1-800-999-2328  
                       Card Services    Fax -      1-423-578-7626 
                       P. O. Box 1989  
                       Kingsport, TN 37662  
Write to us as soon as possible.  We must he ar from you no later than 60 days after we have sent you the first bill on which the error or 
problem appeared.  You can telephone us, but doing so will not preserve your rights.  If you prefer to contact ECU directly, you may 
write us at ECU Card Services  P.O. Box 1989 Kingsport, TN 37662  or call 1 -800-999-2328 . You may also email your request via 
secure email at https://securemail -ecu.org . Login/register, click on �Compose� and submit to ecenter@ecu.org . If your card is reported 
as being blocked due to fraud or dispute after ECU�s normal business hours, additional information will be necessary so please contact 
ECU (800 -999-2328, X7496) the following business day.  
 
Whether you report the error or problem by letter or phone, please provide:  
 (a) Your name and account number    
(b) The dollar amount of suspected error.  
(c) 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 ECU to pay your credit card bill automatically from your share or share draft account, you can stop th e payment 
of any amount you think is wrong.  To stop the payment , a separate letter must reach us three business days before the automatic 
payment is scheduled to occur.  Mail to:  ECU  Card Services , P.O. Box 1989, Kingsport, TN  37662  
 
YOUR RIGHTS AND OUR R ESPONSIBILITIES 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 c orrect 
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 .  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 parts of your bill not in question.  
If we find that we made a mistake on your bill, you will not have to pay the amount in question or any finance charges or other fees 
related to any questioned amount.  If we didn't make a mistake, you will have to pay the amount in question, along with applicable 
finance charges and fees.  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 s atisfy you 
and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you t o 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 questioned amount, even if your bill was correct.  
 
SPECIAL RULE FOR CREDIT CARD PURCHASES  
If you are dissatisfied with the goods or services that you hav e purchased with a credit card and you have tried in good faith to correct 
the proble m with the merchant, you may have the right not to pay the remaining amount due on the purchase .  To use this right, the 
following must be true:  
(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 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 good s or services. ) 
(b) 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.  
(c) 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: 
ECU Card Services  P.O. Box 1989  Kingsport, TN 37662  
 
While we investigate, the same rules apply to the disputed amount as discussed above.  After we fin ish 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.