�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 , 16 All Rights Reserved 10400768-MXC30-C-1-060520 (MXC303-E)CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
VISA SIGNATURE (NON-VARIABLE)
VISA PLATINUM (NON-VARIABLE)
SHARE SECURED VISA CLASSIC (FIXED)
This Consumer Credit Card Agreement andDisclosure together with theCredit Card Account Opening Disclosure and
anyother Account opening documents oranysubsequent documents provided toYou related tothisAccount (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount .�We,� �Us,� �Our� and�Ours� and
�Credit Union� refers toSan Diego County Credit Union (SDCCU�)with which thisAgreement ismade. �You,� �Your ,�and
�Yours �refers toeach applicant andco-applicant fortheAccount ;anyperson responsible forpaying theAccount; and
anyone You authorize touse, access orservice theAccount. "Card" means theVisa�credit card andanyother access
devices, duplicates, renewals, orsubstitutions ,SDCCU issues toYou. "Account "means thelineofcredit established by
this Agreement and includes Your Card.
SECURITY INTEREST
The following section only applies to the Share Secured Visa Classic (Fixed) card .
You grant SDCCU  a security interest under the Uniform Commercial Code and under any common law rights SDCCU
may have in any goods You purchase.
If You give SDCCU  a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure
Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until
SDCCU  agrees to release all or part of the pledged amount.
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Shares and d eposits in an IRA or any other a ccount that
would lose special tax treatment under state or federal law if given as security are not subject to the security
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any
periods whe n You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a
covered borrower, and Your pledge will apply, if: (i) You established Your credit card A ccount when You were
not a covered borrower; or (ii) You cease to be a covered borrower.
Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with SDCCU  may also
secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything
to the contrary in any other Agreement.
1.CONSENT TOCONTACT �Youconsent toreceiving calls, texts, andother mess ages from SDCCU foranypurpose
onanyphone numberprovided orthatmay reach You,including viaautomatic telephone dialing system and/or artificial or
pre-recorded voice.  Such consent is not a condition of receiving any product or service from SDCCU.
2.USING YOUR ACCOUNT �Byusing theAccount orkeeping theCard, You agree totheterms ofthisAgreement.
You agree touse Your Account inaccordance with this Agreement. Your Account must only beused forlawful
transactions.
3.CREDIT LIMIT �Wemay establish acredit limit aspartofthisAgreement, which You promise nottoexceed. You
agree thatYour credit limit isthemaximum amount (purchases, balance transfers, cash advances, finance charges, plus
�other charges�) which You willhave outstanding onYour Account atanytime. SDCCU may, asacourtesy andatOur
discretion, approve acharge that exceeds Your credit limit. IfYou exceed thecredit limit, You promise torepay
immediately theamount which exceeds thecredit limit, including amounts duetofinance charges, fees orother charges.
Noover limit feewillbeimposed unless You have agreed tosuch aservice. IfSDCCU hasaprogram whereby itallows
payment ofadvances thatexceed Your credit limit, subject toafee,SDCCU willprovide You with notice, either orally, in Page 2 of6
10400768-MXC30-C-1-060520 (MXC303-E)writing, orelectronically explaining Your right tooptintoSDCCU�s program whereby itwillhonor advance requests over
thecredit limit. Intheevent You optintosuch aprogram, You agree totheterms ofsuch aprogram. You may request a
credit limit increase onYour Account only byamethod acceptable toSDCCU. Wemay increase ordecrease Your credit
limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law.
4.REPAYMENT �You promise torepay allamounts You owe under thisAgreement. Your promise torepay includes
alltransactions made toYour Account byYou oranyone You authorize touse Your Account aswell asallinterest
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.
TheMinimum Payment Due is3.00% ofYourtotal New Balance, or$20.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable credit limit. IfYour total New Balance isless than
$20.00 ,then Your Minimum Payment Due is the amount of the total New Balance.
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New B alance in full.
IfYoumake extra orlarger payments, Youarestillrequired tomake atleast theMinimum Payment Due each month Your
Account hasabalance (other than acredit balance). SDCCU may delay replenishing Your credit limit until thedate the
payment is posted or SDCCU  confirms the payment has cleared.
Your payment oftherequired Minimum Payment Due may beapplied towhat You owe SDCCU inanymanner SDCCU
chooses, aspermitted byapplicable law. IfYou make apayment inexcess oftherequired Minimum Payment Due,
SDCCU willallocate theexcess amount firsttothebalance with thehighest annual percentage rate (�APR�) and any
remaining portion totheother balances indescending order based onapplicable APR, unless otherwise prescribed by
applicable law.Wemay accept checks marked "payment infull"orwith words ofsimilar effect without losing anyofOur
rights to collect the full balance of Your Account with U s.
Payment Deferral �Wemay,atOur sole discretion, grant You todefer Your payment(s). IfYou choose todefer
payments(s) when offered, Wewillcontinue toassess finance charges attheratedisclosed onYour Credit Card Account
Opening Disclosure. You agree thatYou willresume making scheduled payments beginning with thepayment dueduring
themonth following thedeferral(s) and willcontinue tomake allscheduled payments thereafter asdisclosed inYour
periodic statement .Your next monthly payment after thedeferral(s) period(s) willinclude finance charges accrued from
the deferred payment(s) .
5.INTEREST AND FINANCE CHARGES �Wewillbegin charging You interest onpurchases onthedate the
transaction isposted toYour Account. Wewillbegin charging You interest oncash advances andbalance transfers on
thedate ofthetransaction orthefirstdayofthebilling cycle inwhich thetransaction isposted toYour Account, whichever
islater (transaction date). However, Wewillnotcharge You anyinterest onnew purchases ifYour Account hadazero or
credit balance atthebeginning ofthat billing cycle, orYou paid theentire new balance ontheprevious cycle's billing
statement bythePayment Due Date ofthat statement. Toavoid anadditional finance charge onthebalance of
purchases , You must pay the entire new balance on the billing statement by the Payment Due Date  of that statement.
How We Calculate Your Balance:
Interest charges onYour Account arecalculated separately forpurchases, balance transfers and cash advances
(�Transaction Type�). Wefigure theinterest charge foreach Transaction Type byapplying theperiodic rate toeach
corresponding �average daily balance.� Togetthe�average daily balance� foraTransaction Type Wetake thebeginning
balance forthatTransaction Type each day, addanynew transactions ofthattype, andsubtract anyunpaid interest or
other finance charges andanyapplicable payments orcredits. This gives Usthedaily balance foreach Transaction Type.
Then, foreach Transaction Type, Weadd upallthedaily balances forthebilling cycle and divide each total bythe
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.
6.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts andexplanations aredisclosed ontheCredit Card Account Opening Disclosure accompanying
this Agreement.
7.FOREIGN TRANSACTIONS �Purchases andcash advances made inforeign currencies willbedebited from Your
Account inU.S. dollars. Theexchange ratebetween thetransaction currency andthebilling currency used forprocessing
international transactions isarateselected byVisa from arange ofrates available inwholesale currency markets forthe
applicable central processing date, which rate may vary from therate Visa itself receives orthegovernment-mandated
rateineffect fortheapplicable central processing date. Theexchange rateused ontheprocessing date may differ from
the rate that would have been used on the purchase date or cardholder statement posting date.
Afee(finance charge) willbecharged onalltransactions completed inaforeign currency. Allfees arecalculated based
onthetransaction amount after itisconverted toU.S. dollars. These fees arecharged except where excluded. The
Foreign Transaction Fee is set forth on the Credit Card Account Opening Disclosure  accompanying this Agreement.
8.AUTHORIZATIONS �Wedonotguarantee authorization ofatransaction, either byUsorbyathird party, even if
You have sufficient credit available. You agree that Wewillnotbeliable forfailing togive anauthorization. Wealso
reserve theright tolimitthenumber oftransactions thatmay beapproved inoneday. Wereserve theright todeny certain
transactions foranyreason and atOur sole discretion, including fordefault, suspected fraudulent orunlawful activity, Page 3 of6
10400768-MXC30-C-1-060520 (MXC303-E)internet gambling oranyindication ofincreased riskrelated tothetransaction ortheAccount .You agree thatWehave no
requirement tonotify You ofthespecific reason Wedenied atransaction. IfWedetect unusual orsuspicious activity, We
may suspend Your  credit privileges until We can verify the activity, or We may close the Account .
9.INFORMATION UPDA TING SERVICE AND AUTHORIZATIONS �IfYouhave authorized amerchant tobillcharges
toYour Card onarecurring basis, itisYour responsibility tonotify themerchant intheevent Your Card isreplaced, Your
Account information (such asCard number orexpiration date) changes, orYour Account isclosed. However, ifYour Card
isreplaced orYour Account information changes, Youauthorize Us,without obligation onOurpart, toprovide theupdated
Account information tothemerchant inorder topermit themerchant tobillrecurring charges toYour Card. You authorize
Ustoapply such recurring charges toYour Card until You notify UsthatYou have revoked authorization forthecharges
to Your Card.
Your Card isautomatically enrolled inaninformation updating service. Through thisservice, Your updated Account
information (such asCard number orexpiration date) may beshared with participating merchants tofacilitate continued
recurring charges. Updates arenotguaranteed before Your next payment toamerchant isdue. You areresponsible for
making direct payment until recurring charges resume. Torevoke Your authorization allowing Ustoprovide updated
Account information to a merchant, please contact Us .
10.PREAUTHORIZED CHARGES �Wemay suspend preauthorized recurring charges with merchants if,forexample,
Your Card islostorstolen, You default, orWechange Your Account foranyreason. Ifpreauthorized recurring charges
aresuspended, You areresponsible formaking direct payment forsuch charges until You contact themerchant to
reinstate recurring charges.
11.DEFAULT �Youwillbeindefault under thisAgreement ifYoufailtopaytheMinimum Payment Due byitsPayment
Due Date; pay byacheck orsimilar instrument that isnothonored orthat Wemust return because itcannot be
processed; pay byautomatic debit that isreturned unpaid; make any false ormisleading statements inany credit
application orcredit update; fileforbankruptcy; ordie.Youwillalso beindefault ifYoufailtocomply withtheterms ofthis
Agreement or any other Agreement You have with Us.
IfYou default, Wemay close Your Account andrequire You topayanyunpaid balance immediately, subject toapplicable
law.
12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �IfYou notice theloss ortheft of
Your credit card orapossible unauthorized useofYour Card,Youshould write toUsimmediately atPOBox261209 ,San
Diego ,CA,92196-1209  or call Us at(877) 732-2848 , seven days a week  24 hours a day .
You willnotbeliable forany unauthorized use that occurs after You notify Us.You may, however, beliable for
unauthorized usethat occurs before Your notice toUs.You willhave noliability forunauthorized useunless Youare
found tobefraudulent ornegligent inthehandling ofYourAccount orCard. Inanycase, Your liability forunauthorized
transactions will not exceed  $50.
13.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, SDCCU may change theterms ofthis
Agreement andanyattached Credit Card Account Opening Disclosure from time totime. Notice ofanychange willbe
given inaccordance with applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour
existing account balance as well as to future transactions .
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse orSDCCU may terminate thisAgreement atanytime, buttermination byYou, Your spouse orSDCCU
willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges You orYour spouse owe
under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges Youowe under this
Agreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard orCards You
receive remain theproperty ofSDCCU andYou must recover andsurrender toSDCCU allCards upon request orupon
termination of this Agreement whether by You or SDCCU .
Residents ofallother states -Either You orSDCCU may terminate thisAgreement atanytime, buttermination byYou
orSDCCU willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges You owe under
thisAgreement. Your obligation topaytheaccount balance plus anyfinance and other charges You owe under this
Agreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard orCards You
receive remain theproperty ofSDCCU andYou must recover andsurrender toSDCCU allCards upon request orupon
termination of this Agreement whether by You or SDCCU .
14.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account .Alternatively, Wemay, atOursole discretion,
issue You a new Account number and a new Card. Page 4 of6
10400768-MXC30-C-1-060520 (MXC303-E)15.CREDIT REPORTS AND NOTICE OFNEGATIVE INFORMATION �You authorize SDCCU toobtain credit reports
andanyother information Wemay need toverify Your identity anduseoftheAccount when opening Your Account and
foranyupdate, increase, renewal, extension, collection orreview ofYour Account. You authorize SDCCU todisclose
information regarding Your Account tocredit bureaus andcreditors who inquire about Your credit standing. Wemay report
information about Your Account tocredit bureaus. Late payments, missed payments, orother defaults onYour Account
may be reflected on Your credit report.
16.JOINT ACCOUNT S�Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thatSDCCU canrequire anyoneofYouindividually torepay theentire
amount owed under this Agreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
17.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
18.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account. This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement. Should any
partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fully enforceable to the fullest extent possible under this Agreement.
19.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction through the Internet , that is illegal under applicable federal, state, or local law .
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal.
20.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
California .
21.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
22.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
23.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
24.OVERDRAFT PRIVILEGE �You agree that if,pursuant toanyoverdraft privilege onaCredit Union Share Draft
Account, there isanoverdraft ofYour Share Draft Account, theamount ofoverdraft willbeadded totheoutstanding
balance onYourVisa Credit Card Account, subject tothefinance charge provisions setforth in�INTEREST AND
FINANCE CHARGES� asdescribed forcash advances, andwillbesubject toallterms andconditions ofthisAgreement.
The Visa Credit Card Account must becurrent and notover thecredit limit forfunds totransfer totheShare Draft
Account. Overdrafts arenotallowed forthepurpose ofmaking loan payments, including Visa Credit Card payments, at
SDCCU ,ATM orin-branch teller cash withdrawals. The Share Draft Account referred toherein isalso subject toa
separate agreement between You and SDCCU .Where theterms ofanyother agreement between You and SDCCU
conflict with the terms of this Agreement, the terms of this Agreement will control.
25.ARBITRATION �Unless You areanactive duty member ofthearmed forces orareonactive Guard orReserve
duty, orYour account otherwise falls under theprotections oftheMilitary Lending Actorisotherwise exempt from
arbitration under federal law, You agree thatanyandallclaims arising from orrelating tothisAgreement oranyservice
provided bySDCCU toYou shall besubject tobinding arbitration under theFederal Arbitration Act(�FAA�). This includes
claims based oncontract, tort, equity, statute, orotherwise, aswell asclaims regarding thescope andenforceability of
thisprovision. Itincludes allclaims byoragainst You, co-members, co-borrowers, SDCCU, and others providing or
receiving anyproduct orservice related tothisAgreement orYour account with SDCCU. However, attheelection ofany
party, acourt ofcompetent jurisdiction may adjudicate anyrequest forinjunctive relief, butallother claims willfirstbe
decided by arbitration under this Agreement.
Asingle Arbitrator shall decide allclaims and shall render afinal, written decision. You may choose theAmerican
Arbitration Association (�AAA�), Judicial Arbitration and Mediation Service (�JAMS�), orother similar arbitration service
provider acceptable toSDCCU toadminister thearbitration. Consistent with theFAA, theappropriate AAA rules, JAMS
rules, orother service provider rules shall apply, asdetermined bytheArbitrator. ForAAA andJAMS, these rules are
found at www.adr.org and www.jamsadr.com.
Unless otherwise agreed bytheparties, thearbitration shall take place inSan Diego, California. Each party tothe
arbitration shall payhis,her,oritsown costs ofarbitration. IfYoucannot afford Your arbitration costs, Youmay apply fora
waiver under therelevant rules. The parties waive any right tobring representative claims onbehalf ofaclass of
individuals (the �class action waiver�). The arbitration provision may besevered ormodified ifnecessary torender it
enforceable. Page 5 of6
10400768-MXC30-C-1-060520 (MXC303-E)26.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
IfYou areaCalifornia resident, Ourright torecover anycreditextended through theuseofYourcredit card inmaking
purchases from aretailer issubjec ttogood faith defenses which Youhave properly asserted asabuyer under California
lawagainst theretailer from whom thecardholder made thepurchases if:(a)thepurchase price atthetime astowhich a
defense isasserted exceeds $50; (b)thepurchase was made within thestate ofCalifornia orifoutside California ,then
within 100miles ofYourcurrent designated address inCalifornia ;(c)Youhave made awritten demand upon theretailer
with respect tothepurchase andattempted ingood faith toobtain reasonable satisfact ionfrom theretailer; and(d)You
have notalready paid theentire amount ofthecharge bypaying Yourcredit card balance down tozero, (e)Yougive Us
written notice specifying theretailer, thedate ofpurchase, thepurchase price, thegoods orservices purchased, the
nature ofYourdefense with respect tothetransaction, aswellastheactionwhich Youhave taken inattempting toobtain
satisfaction from the retailer.
27.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
28.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
29.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it.
30.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Banking Department at800.342.3736 orwww.dfs.ny.gov toobtain a
comparative listing of credit card rates, fees and grace periods.
31.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
32.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
33.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened a n Account for You.
34.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andSDCCU .This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired bylaw,
Youarehereby notified thatanegative credit report reflecting onYour credit record may besubmitted toacredit reporting
agency if You fail to fulfill the terms of Your credit obligations.
35.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 6 of6
10400768-MXC30-C-1-060520 (MXC303-E)Your Billing Rights: Keep this Document for Future Use
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
IfYou think there is an error on Your statement, write to Us at:
San Diego County Credit Union, PO Box 261209, San Diego, CA 92196-1209
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement .
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You thin k is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
to investigate any potential errors and You may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When We receive Yournotice ,We must do two things:
1.Within 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
correct.
While We investigate whether or not there has been an error:
-We cannot try to collect the amount in question, or report You as delinquent on that amount.
-The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.
-While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYourbill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, Youmay have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased on
an advertisement We mailed to You, or if We own the company that sold You the goods or services.)
2.You must have used Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase .
If all of the criteria above are met and You are still dissatisfied with the purchase, contact Usin writing  or electronically at :
San Diego County Credit Union, PO Box 261209, San Diego, CA 92196-1209
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent.