VISA CREDIT CARD AGREEMENT 
AND TRUTH IN LENDING DISCLOSURE 

Interest Rates and Interest Charges 

Annual Percentage Rates (APRs) for 
purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When It Applies 

Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Annual Fee 
Transaction Fees: 

  Balance Transfer fee 

  Cash Advance Fee 

  Foreign Transaction fee 

Penalty fees: 

  Late Payment 
  Over-the-Credit Limit 
  Returned Payment 

Other Fees 

 Non-Variable Rate Program  <##.##>% 
<##.##%>  
This APR will vary with the market 
based upon Prime Rate 

 Variable Rate Program 

 Non-Variable Rate Program  <##.##>% 

 Variable Rate Program 

<##.##%>This APR will vary with 
the market based upon Prime Rate 

 Non-Variable Rate Program  <##.##>% 

 Variable Rate Program 

<##.##%>This APR will vary with 
the market based upon Prime Rate 

No penalty rate will be applied 
Your due date is at least 25 days after the close of each billing cycle. We 
will not charge you 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.  
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 

$0  

$0 
$0 if cash advance performed at RCU location. 2% of the advance 
amount or $20, whichever is greater, if cash advance performed at a 
non-RCU location. 
1% of each transaction in US Dollars 

Up to $15 
$0 
Up to $22  

  RedwoodRewards Plus (if selected) 

$35 

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.  

Form # CS - 215 
Rev. 11/06/2012 

P.O. Box 6104 
Santa Rosa, CA  95406-0104 
(707) 545-4000  1 (800) 479-7928 
www.redwoodcu.org 

Page 1 of 6 

 
 
 
 
 
 
 
 
 
 
 
 
This is a disclosure of the terms of my REDWOOD CREDIT UNION Visa® CREDIT CARD ACCOUNTS. I have applied for a consumer Visa® Credit 
Card with Redwood Credit Union (RCU). I represent that credit extended to me under this Agreement will be for personal, family or household purposes. I 
agree that if I sign this Agreement or sign or use any card(s) issued or personal identification number (PIN), or allow others to use the account, card(s), or 
PIN, or any other Access Device issued to me here under, I and they will have accepted this Agreement just as if I and they signed it, and I and they will be 
jointly and severally bound by the following terms. “I” refers to all persons who submitted the application as applicants for credit, or who use this account, 
or who otherwise agree to be liable on the account. “Access Device” refers to any means that a person can use to obtain a loan advance, such as a credit card 
or special access checks. A co-signer is a person who does not have access to the credit but who signs the application and will be responsible for repaying all 
amounts borrowed. Please read the entire Agreement and save a copy for your future reference. 

A. LOAN ADVANCES 
1. If RCU approves my application, each applicant will be issued a Credit Card and will be able to access the account. Each applicant will also be 
individually and jointly responsible for repaying the account under the terms of this Agreement. 
2. I am also obligated to repay any charges resulting from the use of the Credit Card by another person with my permission, whether or not the person stays 
within the scope of permission I have given them. 
3. To make a purchase or get a cash advance on my Credit Card, I must present the card or give my Credit Card number to a participating Visa® plan 
merchant, to RCU, or to another financial institution. If I make my transaction in person, I may sign a sales receipt or cash advance draft imprinted with my 
truncated Credit Card number. I will keep a copy of the receipt or draft to verify with my monthly statement. I can also access my account at designated 
ATMs.  
4. I agree not to use my Credit Card for illegal transactions, such as illegal on-line gambling. I am responsible for determining the legality of transactions I 
make. The illegality of any authorized transaction will not be a defense to my obligation to pay for it. 
5. My account will be an open-end or revolving account. This means that I can borrow the full amount of the line of credit, repay the principal in full or in 
part, and borrow again up to my maximum line of credit as long as I continue to be creditworthy and a Member in good standing of RCU. 
6. Each joint borrower may borrow on the account to the extent of the credit limit and will be responsible with any other joint borrower to repay the loan. 
Each joint borrower will remain responsible for payment, even though another person has been directed to pay the debt by an agreement or court order such 
as a divorce decree to which RCU is not a party. No release from the obligation to pay will be valid unless (a) in writing and signed by an authorized RCU 
employee or (b) pursuant to a court order in an action to which RCU is a party, such as a bankruptcy. 
7. RCU may send me Access Checks on my Credit Card account from time to time or upon request. Access Checks are subject to the following:  

7.1 Any borrower on the Credit Card account can obtain a cash advance by writing an Access Check payable to any party. 
7.2 When the Access Check clears, it will post to my Credit Card account as a cash advance. Use of an Access Check will be considered a cash 
advance for purposes of calculating cash advance fees (if any) and finance charges. 
7.3 Access Checks are not subject to fees except cash advance fees (if any). However, if I request a special service on an Access Check, such as a stop 
payment, the fee that RCU would normally charge for such a service on an RCU checking account will be charged with respect to the Access Check. I 
will refer to the current RCU Cost Recovery Schedule for details. 
7.4 If I want to stop payment on an Access Check, I must notify RCU before the Access Check clears. My notice must exactly identify the Access 
Check by check number and dollar amount. If I give RCU an incorrect check number or the dollar amount varies by even one penny, the stop payment 
may not be made. RCU will have no liability to me for failing to stop payment on an Access Check if I do not accurately identify the Access Check, or 
if the Access Check clears within the first 24 hours after I first notify RCU to stop payment. RCU has the right to require me to confirm an oral stop 
payment request in writing. If RCU requires me to do this, and I do not do so within fourteen (14) days after RCU’s request, my oral stop payment 
request will lapse. 
7.5 I have sixty (60) days from the date RCU sends me the first statement on which a forged, altered or otherwise improper Access Check appears to 
report the problem to RCU. If I report the improper Access Check on time, RCU’s responsibility for the item will be governed by the California 
Commercial Code and other applicable laws regarding improperly paid checks. If I do not report the improper Access Check within sixty days, RCU 
will not be responsible for it. Access Checks are processed in an automated environment and RCU cannot physically examine the Access Checks 
presented for payment on my Credit Card account. For this reason, RCU requires, in consideration for making Access Checks available to me, my 
consent to this shortening of the time limit otherwise available under the Commercial Code for imposing responsibility on RCU for improperly paid 
checks.  
7.6 If I do not wish to use Access Checks that RCU sends me, I will destroy them.  

8. RCU has the right to refuse my request to borrow against my credit line for any reason, in its sole and absolute discretion. RCU will generally notify me in 
writing of the reason for any such denial of credit. Among the reasons for refusing to advance me credit are my having already borrowed up to my credit 
limit, my failure to meet obligations to RCU, or an adverse change in my credit standing. 

B. CREDIT LIMIT - RCU sets my credit limit at RCU’s sole discretion. The loans which RCU may extend to me under this account may only exceed the 
assigned credit limit at RCU’s discretion. RCU may review my account from time to time. RCU’s review may include asking me to provide current 
information or complete a new application, and/or checking my credit with third-party sources at any time I have open accounts that are subject to this 
Agreement. RCU may increase or decrease my credit limit, change the interest rate that applies to future advances on my loan account, or close my loan 
account, based on RCU’s review. I can request an increase in my credit limit by submitting a written application. 

C. REPAYMENT TERMS 
1. I promise to pay RCU, at the address designated for payment on my statement all sums advanced to me under this Agreement at any time plus a finance 
charge determined by RCU. The finance charge is the amount of money that I pay for the money that I borrow. The finance charge is computed by applying 
an Annual Percentage Rate (APR) to the amounts I owe. To make credit available to as many Members as possible, RCU may offer a range of rates on 
Credit Cards. The rate offered will depend on RCU’s evaluation of my creditworthiness and ability to pay. 
2. The Credit Card program and Annual Percentage Rate (APR) that applies to my card is checked below:  

Variable Rate Program: The APR that applies to this credit card is a variable rate based on the Prime Lending Rate plus a margin of  
<X.XX>% for purchases and balance transfers and <X.XX% for cash advances. The APR on the credit card will increase or decrease as 
the Prime Lending Rate increases or decreases and can change every billing cycle. An increase to my rate will result in a longer 
repayment period and higher payments. Changes to the APR will take effect on the first day of the billing cycle following a change to the 
Prime Lending Rate. The resulting rate will apply to all outstanding balances unless a promotional rate applies to a particular balance. 
The APR cannot exceed 21.00% while the credit card is open.   
The APR and resulting daily periodic rate on my card is currently:  

Form # CS - 215 
Rev. 07/14/2010 

P.O. Box 6104 
Santa Rosa, CA  95406-0104 
(707) 545-4000  1 (800) 479-7928 
www.redwoodcu.org 

Page 2 of 6 

 
 
 
 
APR for Purchases and Balance Transfers: <##.##>% 
APR for Cash Advances:  <##.##>% 

Daily Periodic Rate: 0.<######>% 

Daily Periodic Rate: 0.<######>% 

These rates are accurate as of <mm/dd/yyyy>. 

Non-Variable Rate Program: The APR that applies to this credit card is the rate disclosed in the Interest Rates and Interest Charges 

section on the first page of this agreement. This rate will not increase on existing balances but may increase for future advances as 
provided for in Section G: Change of Terms.  
The APR and resulting daily periodic rate on my card is:  

APR for Purchases and Balance Transfers: <##.##>% 
APR for Cash Advances:  <##.##>% 

Daily Periodic Rate: 0.<######>% 

Daily Periodic Rate: 0.<######>% 

3. My minimum periodic payment on any Credit Card account balance will be the greater of the amount shown on my current monthly billing statement or 
$10, plus any overlimit or delinquent amounts. The minimum payment is generally 2% of the new balance. 
4. Calculation of Finance Charges--Average Daily Balance Method: The Finance Charge on Credit Card loan advances accrues from the date each 
transaction posts to my account. RCU arrives at the Finance Charge by first calculating the average daily principal balance for the statement period. To do 
this, RCU obtains the balances for each day of the statement period by adding any cash advances or purchases to, and subtracting any payments or credits 
from, the previous day’s balance. Then RCU adds up the daily balances for each day of the statement period and divides that total by the number of days in 
the statement period to get the Average Daily Balance. Then RCU multiplies the Average Daily Balance by the Monthly Periodic Rate (1/12 of the APR) to 
determine the finance charges for the statement period. 
5. Grace Period for Purchases Only: If I either had a zero balance at the end of the previous statement period or paid my previous month’s new balance in 
full on or before the due date, I will have twenty-five (25) days from the close of the statement period to pay my new balance of purchases without the 
specified Finance Charge. After the grace period, I must pay the specified Finance Charge. A partial payment of my balance will not reduce the Finance 
Charge. No grace period applies to cash advances. Finance Charges accrue from the day a cash advance posts to my account. 
6. Credit Card account payments are applied to the components of my account in the following order: In accordance with applicable law, RCU will choose 
the order in which any payment will be applied to my indebtedness to RCU at the time the payment is made. 
7. I can repay the balance I owe, including the accrued finance charge, at any time, in full or in part, without prepayment penalty. Any partial payment of my 
account will not advance my next payment due date.   
8. My minimum monthly payment will increase when the outstanding balance increases, as stated in the periodic statement or payment notice. 
9. RCU will provide me with a periodic statements of my Credit Card account that will advise me of the status of my loan, including any information 
required by law. 
10. I will make monthly payments on or before the day specified in my billing statements. 
11. If my balance exceeds my authorized credit limit, I must immediately, upon receipt of written notice from RCU, make a single lump-sum payment to 
reduce my outstanding balance to the authorized credit limit. 
12. Foreign Transactions. For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. 
dollars) will be (a) a rate selected by Visa® from the range of rates available in wholesale currency markets, which rate may vary from the rate Visa itself 
receives, or (b) the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined 
by RCU. As of the printing date of this Agreement, RCU adds a currency conversion fee equal to 1.0% of the U.S. dollar amount of the transaction to the 
transaction amount. The currency conversion rate used by Visa® on the processing date may differ from the rate that would have been used on the purchase 
date or cardholder statement posting date. RCU has no control over the conversion rate. 

E. OTHER CHARGES 
1. Visa® Annual Membership Fees: No fee unless the RedwoodRewards Plus feature is added to the Credit Card. If RedwoodRewards Plus is added, I will 
be assessed an annual fee of $35. If assessed, the fee is added to the account balance and may accrue finance charges on the same basis as a purchase or cash 
advance. 
2. Dishonored Loan Payments: Any payment I make with a non-cash item that is not honored may result in a fee of $22 being added to my account. 
3.  Cash Advances:  For cash advances performed at non-RCU offices, I will be assessed a fee equal to 2% of the advance amount or $20, whichever is 
greater. If assessed, the fee is added to the account balance and may accrue finance charges on the same basis as a purchase or cash advance. 

F. SECURITY INTERESTS 
1. CONSENT TO RECOVERY OF PAYMENT DELINQUENCY FROM SHARES. In consideration for and as a condition of RCU issuing to me a Credit 
Card, I agree that if I do not make my required payments on the Credit Card, RCU can, without advance notice to me, take any RCU shares in which I have 
an interest to recover all or part of my delinquent obligation. This consent is not a pledge of any shares and will not affect my right to withdraw funds prior 
to my default or RCU’s exercise of RCU’s rights under this consent. Any exercise of this right by RCU is not an election of remedies. 
2. Specific Account Pledge: At RCU’s option, a specified amount in one or more of my RCU share accounts may be pledged as security for the repayment of 
all amounts loaned to me under the terms of this Agreement. The amount pledged and the account will be as shown on a separate security agreement. I 
cannot withdraw the pledged funds from the account as long as the pledge is in effect. If I default on my payments under the terms of this Agreement, RCU 
has the right to apply the amount specifically pledged to pay off the loan in full or in part.   

G. CHANGES IN TERMS 
1. RCU may change the terms of my Credit Card Agreement, including the APR for future advances, by giving me any advance notice required by law. If I 
do not want APR changes to apply to my account, I can send RCU a written request to close the account. If I do that I must pay off my account, under the 
old APR. If I keep my Credit Card, the new terms and interest rate will apply to my account whether or not I use the card for new transactions. 
2. The terms of this Agreement may also be changed by mutual written agreement between RCU and me or by the order of a court in an action to which 
RCU is a party.  
3. RCU can cancel this Agreement and revoke any privilege I have at RCU if I fail to meet RCU’s credit standards at any time or for other good cause. I can 
cancel this Agreement at any time. My obligation to pay what I owe continues after RCU or I cancel this Agreement or any sub-account under this 
Agreement, or if RCU cancels any of my RCU privileges. 

Form # CS - 215 
Rev. 07/14/2010 

P.O. Box 6104 
Santa Rosa, CA  95406-0104 
(707) 545-4000  1 (800) 479-7928 
www.redwoodcu.org 

Page 3 of 6 

 
 
 
 
 
 
H. HONEST DEALING - I will promptly notify RCU of any information that affects my creditworthiness or ability to pay what I owe, including but not 
limited to a change in my name, address, or employment. I will not use my Credit Card or any credit access device issued to me if I have reason to believe I 
will be unable to make the scheduled payments. 

I. ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS - As a co-applicant or co-signer, I understand and agree that I must repay any amount 
borrowed under this Agreement to the same extent as the borrower, whether or not I get any of the money borrowed or even obtain any benefit from the loan. 
I understand that if I had not agreed to repay the amounts borrowed, RCU would not have approved the credit application. RCU can proceed against me if 
payments are delinquent even before RCU seeks to recover from the borrower. RCU will give me notice required by law of any action it takes that could 
adversely affect me. Any extension of the loan or partial settlement with the borrower will not waive any of RCU’s rights against me as the co-applicant or 
co-signer. I acknowledge receipt of the separate Cosigner’s Notice. 

J. DEFAULT–LIEN–ACCELERATION 
If I default on my loan payments, or breach this Agreement or any other agreement I have with RCU, if I make false statements to obtain credit, or if I die or 
become the debtor in a bankruptcy or other insolvency proceeding, RCU may declare the entire unpaid balance of the Credit Card account due and payable 
immediately, without notice. Even if RCU accepts a late payment or partial payment, RCU is not waiving its right to accelerate the payment of the Credit 
Card account and declare the entire unpaid balance due. The regular interest required under the terms of this Agreement will continue to accrue even after 
my default and acceleration of the obligation. 

K. COLLECTION COSTS 
1. If I do not make my payment to RCU within fifteen (15) days after the due date, a single late charge of $15.00 will be added to my account. I agree to pay 
all reasonable collection costs RCU incurs before suit is filed. If RCU takes legal action to collect what I owe RCU, I agree to pay RCU’s reasonable 
attorney’s fees and costs, whether the legal action is a collection lawsuit, a proceeding to protect RCU’s interests if I become a bankruptcy debtor, or any 
other type of legal action. RCU can add collection costs and attorney’s fees to my loan balance and they will accrue interest at the stated interest rate for my 
loan. 
2. I understand that RCU may submit a negative credit report to a credit-reporting agency that will reflect on my credit record if I fail to fulfill the terms of 
my credit obligations. 

L. OTHER RIGHTS APPLICABLE TO CREDIT CARDS 
1. Unauthorized Use of Credit Cards - I may be liable for the unauthorized use of any Credit Card issued to me. I will not be liable for unauthorized use that 
occurs after I notify RCU of the loss, theft, or other possibility for unauthorized use. In most cases, I will have no liability for unauthorized use. I agree to 
immediately notify RCU of the loss or theft of my card at RCU’s telephone numbers, (707) 545-4000 or 1 (800) 479-7928, or by writing to RCU at 
Redwood Credit Union, PO Box 6104, Santa Rosa, CA 95406-0104. I also agree to assist RCU in determining the facts and circumstances relating to any 
such unauthorized use.  
2. Merchant Disputes - RCU is not responsible for the refusal of any merchant or financial institution to honor my Credit Card. RCU is subject to good faith 
claims and defenses recognized by law (other than tort claims) arising out of goods or services I purchase with the card, only if I have made a good faith 
attempt but have been unable to obtain satisfaction from the plan merchant, and (a) my purchase was made in response to an advertisement RCU sent or 
participated in sending me or from a merchant RCU owns or operates, or (b) my purchase cost more than $50 and was made in my home state or within 100 
miles from my home. RCU is relieved from liability if I have already paid RCU for the disputed transaction. Any other disputes I must resolve directly with 
the merchant. 
3. Credits - A merchant who honors my Credit Card and later gives me credit for a return or adjustment will do so by sending RCU a credit slip, which RCU 
will post to my account. If my credits and payments exceed what I owe RCU, RCU will hold and apply the credit balance against future purchases and cash 
advances, or refund it on my written request if it is $1.00 or more. If I have had a credit balance with RCU, RCU will automatically refund it within 6 (six) 
months via a deposit to an RCU share account of mine or by sending me a check at my last address in RCU’s records. As required by law, RCU will 
promptly post payments to my account so that I will not pay improper finance charges. However, RCU has the right to reasonably delay refunding credit 
balances to me or increasing my credit limit for the maximum time allowed by law until final collection of non-cash items presented for payment of my 
account. 

M. ERROR CORRECTION 
RCU can correct clerical errors in loan documents, including but not limited to errors in the interest rate quoted to me. I will be notified of any corrections 
and the reasons for them. 

N. TERMINATION 
RCU can terminate this Agreement at any time for any lawful reason by sending me a written notice of the termination and the business reasons for it, such 
as RCU’s discontinuing a type of loan or the inadequacy of funds to make loans. RCU can also terminate this Agreement if I fail to meet my obligations to 
RCU or cease to be a Member in good standing. Termination of this Agreement does not relieve me of the obligation to repay the full balance due under this 
Agreement. 

O. PAYMENT PROTECTION 
I may voluntarily elect to purchase Payment Protection. I do not have to obtain this insurance to borrow money. RCU can cancel my payment protection if I 
don’t make my payments on time. RCU will add the premiums to the monthly principal balance of the VISA®/loan account and the premium will accrue 
finance charges until paid. Exact unit cost, will be stated in a separate insurance document. Payment Protection e is also subject to a separate written 
agreement. 

P. GENERAL TERMS 
The singular implies the plural if more than one person signs this Agreement. If any part of this Agreement is found invalid, the other parts shall remain in 
effect. This Agreement shall not be construed against either party. The Agreement is made in California and applicable Federal and California law shall 
govern its interpretation to the extent permitted by law. NOTICE: Important information about rights to dispute billing errors follows below. 

WAIVER, DELAY IN ENFORCEMENT – RCU may delay enforcing any of its rights under this Agreement at any time without affecting any of its other 
rights under this Agreement. 

Form # CS - 215 
Rev. 07/14/2010 

P.O. Box 6104 
Santa Rosa, CA  95406-0104 
(707) 545-4000  1 (800) 479-7928 
www.redwoodcu.org 

Page 4 of 6 

 
 
 
 
 
 
 
 
 
 
OWNERSHIP – The Visa® Credit Card(s) remain the property of RCU and must be collected and surrendered to RCU upon our request and/or upon 
termination of this account.  

ATM DISCLOSURE - This part of the disclosure includes special provisions applicable to the use of a Credit Card to obtain cash at ATMs. My Visa® Credit 
Card may allow me to get cash through a nationwide network of Visa® ATMs. The separate Electronic Funds Transfer Disclosure contained in my Redwood 
Credit Union Membership Account Disclosure provides information about using ATMs to access RCU accounts such as share (savings) and share draft 
(checking). 

AVAILABLE SERVICES 
1. Obtain up to $500 per 24-hour period each business day. Cash withdrawals conducted on non-business days are included in the totals for the next business 
day. 
2. ATM service is generally available twenty-four (24) hours a day, seven (7) days a week. 

DOCUMENTATION OF TRANSACTIONS - Cash advances using a Visa® Credit Card will be shown on a receipt dispensed by the ATM and on the 
periodic statement. RCU’s LIABILITY: If RCU does not properly complete a transaction according to RCU’s agreement with me, RCU is liable for my 
direct losses or damages. However, there are some exceptions. RCU will not be liable if: 
1. Through no fault of RCU’s, I lack sufficient available credit to make the transaction. 
2. The ATM system is not working properly, and I knew about the breakdown when I started the transaction. 
3. The money in my accounts is subject to legal process or other claim. 
4. My Personal Identification Number (PIN) has been reported missing and RCU has blocked its use. 
5. Circumstances beyond RCU’s reasonable control such as fire, flood, electrical failure, or malfunction of the central data processing system prevent RCU 
from completing the transaction despite RCU’s reasonable precautions. 
6. RCU establishes other lawful exceptions and notifies me of them in advance. 
In no event will RCU be liable for consequential, indirect or punitive costs or damages. 

BUSINESS DAYS - RCU’s business days are Monday through Friday, excluding holidays. 

SECURITY - I will not use an ATM unless it appears safe to do so. I will not key in my PIN if someone is looking. I will take my card and receipt when I 
am done. I will put my money away quickly and leave the site. 

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 
STATE AND LOCAL LAW - The following summary of my rights under federal law does not cover all rights I may have under state and local law. If, 
under state or local law, I have a longer period of time in which to send an inquiry to RCU concerning my statement, reliance on any such longer period of 
time may result in my losing important rights, which could be preserved by acting more promptly under federal law. State or local provisions, if any, only 
become operative upon the expiration of the time period provided by Federal Reserve Regulation Z for submitting a proper written notification of an error. 
This notice contains important information about my rights and responsibilities under the Fair Credit Billing Act. 

If I think my statement is wrong, or if I need more information about a transaction on my statement, I will write RCU at the address shown on my statement 
or to Redwood Credit Union, PO Box 6104, Santa Rosa, CA 95406-0104. I will write as soon as possible. RCU must hear from me no later than sixty (60) 
days after RCU sent me the first statement on which the error or problem appeared. I can telephone RCU at 1 (800) 479-7928, but doing so will not preserve 
my rights. 
My letter should give RCU the following information. 
• My name and account number 
• The dollar amount of the suspected error 
• A description of the error and an explanation, if I can make one, or why I believe there is an error. If I need more information, I will describe the item I am 
not sure about.  

If I have authorized RCU to pay my credit card bill automatically from my savings or checking account, I can stop the payment on any amount I think is 
wrong. To stop the payment my letter must reach RCU three business days before the automatic payment is scheduled to occur. 

MY RIGHTS AND RCU’S RESPONSIBILITIES AFTER RCU RECEIVES MY WRITTEN NOTICE - RCU must acknowledge my letter within thirty (30) 
days, unless RCU has corrected the error by then. Within ninety (90) days, RCU must either correct the error or explain why RCU believes the statement 
was correct. After RCU receives my letter, RCU cannot try to collect any amount I question, or report me as delinquent. RCU can continue to bill me for the 
amount I question, including finance charges, and RCU can apply any unpaid amount against my credit limit. I do not have to pay any questioned amount 
while RCU is investigating, but I am still obligated to pay the parts of my statement that are not in question.  

If RCU finds that RCU made a mistake on my statement, I will not have to pay any finance charges related to any questioned amount. If RCU did not make a 
mistake, I may have to pay any finance charges, and I will have to make up any missed payments on the questioned amount. In either case, RCU will send 
me a statement of the amount I owe and the date that it is due.  

If I fail to pay the amount that RCU thinks I owe, RCU may report me as delinquent. However, if RCU’s explanation does not satisfy me and I write to RCU 
within ten (10) days telling RCU that I still refuse to pay, RCU must tell anyone to whom RCU reports me that I have a question about my statement. And, 
RCU must tell me the name of any person to whom RCU reported me. RCU must tell anyone to whom RCU has reported me that the matter has been settled 
between us when it finally is. If RCU does not follow these rules, RCU cannot collect the first $50 of the questioned amount, even if my statement was 
correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES - If I have a problem with the quality of goods or services that I purchased with a Credit Card, and I 
have tried in good faith to correct the problem with the merchant, I may have the right not to pay the remaining amount due on the property or services. 
There are two limitations on this right: 

Form # CS - 215 
Rev. 07/14/2010 

P.O. Box 6104 
Santa Rosa, CA  95406-0104 
(707) 545-4000  1 (800) 479-7928 
www.redwoodcu.org 

Page 5 of 6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
1. I must have made the purchase in my home state or, if not within my home state, within 100 miles from my home.  
2. The purchase price must have been more than $50. 
These limitations do not apply if RCU owns or operates the merchant or if RCU mailed me the advertisement for the property or services. 

CALIFORNIA RESIDENTS 
A. Under California law, RCU’s rights to recover credit extended to me for credit card purchases is subject to any defenses I have against the seller if: 
1. The purchase price of the item in question exceeded $50. 
2. I made the purchase in California. 
3. I made a written demand to the retailer and made a good faith attempt to get satisfaction of my complaint. 
4. I notify RCU in writing of the name of the seller, the date of the purchase, the price paid, the goods or services purchased, the nature of my defense, and 
the acts I took to obtain satisfaction from the seller. 
B. The amount to which the defense applies is limited to the amount outstanding on the purchase as well as Late Charges and Finance Charges at the time 
RCU receives the written demand. 
C. This remedy is the only one I have against RCU. My rights are limited to those circumstances outlined in California Civil Code Section 1747.90. 
Purchases with cash or check are not included even though I used my Credit Card to validate my credit. 
D. RCU cannot penalize me either by giving out unfavorable credit information about me or canceling or refusing to renew my Credit Card solely because I 
obtained relief under the rights I have to correct billing errors. 

HOW TO CONTACT RCU 

By phone at: 

By mail at:  

All Inquiries:  (707) 545-4000 or 1 (800) 479-7928  
To report Lost or Stolen Cards after RCU Business Hours:  1 (800) 449-7728  

Redwood Credit Union 
PO Box 6104 
Santa Rosa, CA 95406-0104 

By email at:  

www.redwoodcu.org - click on “Contact Us” 

__________________________________________   
Borrower Name   

___________________________________________ 
Borrower Signature 

Date 

__________________________________________   
Borrower Name   

___________________________________________ 
Borrower Signature 

Date 

Form # CS - 215 
Rev. 07/14/2010 

P.O. Box 6104 
Santa Rosa, CA  95406-0104 
(707) 545-4000  1 (800) 479-7928 
www.redwoodcu.org 

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