Visa Credit Card  
Application and Solicitation Disclosures 

INTEREST  RATES  AND  INTEREST  CHARGES 

Annual Percentage Rate (APR)  for 
Purchases,  Cash  Advances,  and 
Balance Transfers 

How to Avoid  Paying Interest  on 
Purchases 

Platinum 

Signature 
Cashback  Rewards 

Share Secured 

14.99% 

9.99% - 
18.99% 
based  on  your credit 
profile  when  you 
open  your  account.  
This  APR will vary 
with the  market 
based  on  the Prime 
Rate. 

7.99% - 
16.99% 
based  on  your 
credit profile 
when  you open 
your  account.  
This  APR will 
vary  with the 
market based  on 
the Prime  Rate. 
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.  

based  on  your 
credit profile 
when  you open 
your  account.  
This  APR will 
vary  with the 
market based  on 
the Prime  Rate. 

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 

Annual Fee 

Transaction  Fees 

•  Balance Transfer  Fee  
•  Cash  Advance  Fee 
•  Foreign Transaction  Fee 

Penalty Fees 

FEES 

None 

None 

None 
1.00%  of the  US dollar  amount  of  the foreign  transaction. 

•  Late Payment Fee 
•  Returned Payment Fee 

Up  to $35 
Up  to $12 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance”  (including new 
purchases).   

The  above  rates and  fees are  effective as of October 1, 2021. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Visa  Credit Card 
Account Agreement 

PO Box 14220 
Portland, OR  97293 
503.785.2528  800.547.5532 
www.advantiscu.org  

You  grant  us  a  security  interest  in  all  your  shares  and 
deposits,  present  and  future,  and  all  accounts  (except 
Individual  Retirement  Accounts  and  Keogh  Accounts) 
with  the  Credit Union to secure your Account and agree, 
upon  default,  the  Credit  Union  may  apply  all  that  is 
secured  to  pay  any  amounts  due under this Agreement, 
without further notice to you.    

This Credit Card Account Agreement ("Agreement") and the 
Account  Disclosures  ("Account  Disclosure")  given  to  you 
when you opened your Card account ("Account") will govern 
your Credit Card and Account issued by Advantis Credit Un-
ion  ("Credit  Union").  In  this  Agreement,  the  words  "you," 
"your," "yours," "applicant," and "Borrower" mean any p e rs o n 
who signs the application for this Account, any joint obligor, 
guarantor, authorized user, or the person whose name is e m-
bossed on the Card. The words "we," "us," "our," an d  "C re d i t 
Union" mean Advantis Credit Union. The word "Card " m e a ns 
any one or more credit cards issued under this Account. All 
terms and conditions apply to Visa Platinum Cards, Visa Plati -
num Rewards Cards and Visa Share Secured C a rds.  If you 
sign  an  application  for  this  Account  or  sign  or  use  any 
Card  or  PIN,  or  allow  others  to  use the Card or PIN, you 
and they will have accepted this Agreement just as if you 
and they signed it, and you and they, jointly and severally, 
will be bound by the following terms and conditions which 
will govern this Account. 

1.   You Promise to Pay 
You  promise  to  pay  us  all  amounts,  plus  any  Interest 
Charges, which arise from use of the Card or Account by yo u  
or any other person, and to be jointly and severally liable with 
such  a  person,  unless  such  other  person  does  not  have 
actual, implied, or apparent authority for such use, and you 
received  no  benefit  from  the  use.  You  promise  to  pay  us 
either  by  check  or  other  form  of  direct  payment  or  by 
automatic transfers from shares or by payroll deduction. 

2.   Account  Access 
You must sign and activate the Card to use it. Once you have 
signed  the  Card,  you  can  use  it  to  buy  or  lease  goods, 
services, or insurance wherever the Card is honored, up to 
the  full  amount  of  your  Credit  Line.  You  may  use  your 
Account  to  get  cash  advances  from us . You may also use 
your Card to get a cash advance from participating financial 
institutions  and  to  access  your  line  of  credit  at  automatic 
teller machines ("ATMs") within participating networks ATMs. 

3.   Credit Line 
If we approve your application, this Agreement will constitute  
a  revolving  line  of  credit  for  an  amount  which  will  be  the 
Credit  Line  under  your  Account.  We  will  advise  you  of  the 
amount  of  your  Credit  Line.  That  amount  will  be  the 
maximum  amount  you  may  have  outstanding  at  any  one 
time. You agree not to attempt to obtain more credit than the 
amount  of  your  Credit  Line.  However,  if  you  temporarily 
exceed  your  Credit  Line,  you  agree  to  repay  the  excess 

immediately,  even  if  we  have  not  yet  billed  you.  Obtaining 
such credit does not increase your Credit Line. We retain th e  
right  to  increase  or  decrease  your Credit Line at any time. 
Any increase or reduction in the amount of your Credit Line 
will  be  shown  on  your  monthly  statement  or  by  separate 
notice together with any changes in the applicable Min i m u m 
Monthly  Payments.  Your  eligibility  for  this  Credit  Line  is 
determined by our loan policy and may be terminated at our 
sole  discretion,  without  demand  or  notice.  You  may close 
your Credit Line at any time by notifying us in writing. If you 
terminate this Agreement or if we terminate or suspend yo u r 
credit privileges, the provisions of this Agreement and your 
liability  hereunder  shall  otherwise  remain  in  full force and 
effect  until  you  have  paid  us  all  sums  due  us  under  this 
Agreement and returned all Cards. 

4.   Minimum  Monthly  Payment 
We  will  mail  you  a  statement  or  notify  you  an  electronic 
statement is ready to view every month if your Account has a 
balance.  You  agree  that  you  will  pay  each month not less 
than  the  minimum  monthly  payment  on  or  before  the due 
date.  The minimum monthly payment will be the greater of 
$25.00 or 3.00% of your outstanding balance shown on yo u r 
statement  ("New  Balance").  If  your  outstanding  balance is 
less  than  $25.00, you agree to pay the balance in full. You 
may  pay  in  full  for  all  your  purchases  and cash advances 
each month, or you may repay in monthly installments. We 
can  accept  late  payments  or  partial  payments,  or  checks, 
drafts,  or  money  orders  marked  "payment  in  full"  without 
prejudice  to  our  rights  under  this  Agreement,  which  are 
hereby explicitly reserved. A credit posting from a merchant 
or reversal of fees does not constitute a minimum payment. 
The  minimum  monthly  payment  may  be  allocated  at  the 
Credit Union's discretion to pay off lower rate balances, such  
as promotional offers, before higher rate balances, such as 
cash  advances  or  purchases.   From time to time, we may 
allow you to skip your minimum monthly payment due.  If yo u  
choose to skip that payment, Interest Charges will continue 
to accrue in accordance with this Agreement.  Payments in 
excess  of  the  minimum monthly payment will be allocated 
first  to  higher  rate  balances,  as  applicable.  Payments 
received  at:  PO  Box  14220,  Portland,  OR    97293,  on  or 
before  5:00  PM  Pacific  Time  on  any  business  day  will  be 
credited to your Account as of that date; payments received 
by  mail  at  that  address  after 5:00 PM Pacific Time or on a 
weekend  will  be  posted  to  your  Account  as  of  the  next 
business day. 

5.  Security Interest 
a.  By  signing  an  application  or  using  any  Card,  to secure 
your  Account,  you  grant  us  a  purchase  money  security 
interest under the Oregon Uniform Commercial Code  i n  a n y 
goods you purchase through your Account. If you default, we 
will  have  the  right  to  recover  any of these goods that have 
not been paid for through application of your payments in th e  
manner  described  in Section 4. In addition, you grant us a 
security interest in all your shares and deposits, present a n d  

© 2021 Farleigh Wada Witt. All rights  reserved. 

M arch 2021 -  1 

 
 
 
 
Credit Card Account Agreement 

Advantis Credit Union 

future,  and  all  accounts  (except  Individual  Retirement 
Accounts  and  Keogh  Accounts)  with  the  Credit  Union  to 
secure  your  Account  and  agree,  upon  default,  the  Credit 
Union may apply all that is secured to pay any amounts due 
under  this  Agreement,  without  further  notice  to  you.  You 
further agree that collateral securing other loans with the 
Credit Union (except loans secured by real property) also 
secures this Account. 
b. If you give the Credit Union 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 
the Credit Union agrees to release all or part of the pledged 
amount. 

6.  Periodic Statements 
Each month, if your outstanding balance exceeds $1 , w e  w i l l  
send  you  a  statement  showing  new  purchases,  cash 
advances, payments, and credits made to your Account during 
the  billing  period,  your  Previous  Balance,  your  "Total  New 
Balance," any Interest Charge, and any other charges. Your 
statement also will identify the remaining Credit Line availab l e 
and the Minimum Monthly Payment you must make for that 
billing period and the date it is due. For statement verifi ca ti on  
purposes,  you  agree  to  retain  copies  of  transaction  slips 
resulting  from  each  purchase,  each  advance,  and  other 
transaction on your Account. Unless you notify us of a billing 
error as described below, you accept your monthly sta te me nt 
as an accurate statement of your Account with us. 

7.  Circumstances  under Which an Interest 

Charge Will Be Imposed 

The  total  outstanding  balance  of  purchases,  balance 
transfers, and cash advances in the Account on the closing 
date of a billing period, including any Interest Charge, wil l  b e  
shown on the Periodic Statement for that billing period as the  
"New Balance." 
a.  Cash Advances and Balance Transfers 
We begin charging an Interest Charge on cash advances and 
balance transfers from the date of each transaction. There  i s  
no time period within which to pay to avoid a periodic Interest 
Charge on cash advances and balance transfers. 
b.  Purchases  
Your  due  date  is  at  least  25  days  after  the  close  of  each 
billing  period.  An  Interest  Charge  will  be  imposed  on  the 
portion of purchases included in the New Balance that i s  n o t 
paid by the due date. This "grace period" allows you to avo i d  
an  Interest  Charge  on  purchases  for  a  billing  period. 
However, if you do not pay the New Balance for purchases 
within the grace period, your Interest Charge will accrue on 
any  unpaid  purchase  transactions  from  the first day of the 
billing period in which the payment is due. 

8.  Method  Used to Determine  the Balance on 

Which the Interest  Charge May Be 
Computed  and Amount  of Interest  Charge 
The Credit Union figures the Interest Charge on your Acco u n t 
by  multiplying  the  "Average  Daily  Balance"  of  purchases, 
balance  transfers,  and  cash  advances  for  your  Account 
(including current transactions) by the Daily Periodic Rate a n d  
multiplying that amount by the number of days in the billing 
cycle.  To  get  the  "Average  Daily  Balance"  we  take  the 

beginning  balance  of  your Account each day, add any new 
purchases or cash advances, and subtract any p a ym e n ts  o r 
credits, unpaid Interest Charge and unpaid late charges. Th i s  
gives  us  the  daily  balance.  Then,  we  add  up  all  the  daily 
balances  for  the  billing  period  and  divide  the  total  by  the 
number  of  days  in  the  billing  period.  This  gives  us  the 
"Average Daily Balance." To get the "Daily Periodic Rate," w e  
divide  the  Annual  Percentage  Rate  in  effect  for  the  billing 
period by 365. 

9.  Periodic Rate and Corresponding  Annual 

Percentage Rate 
a.  Variable Rate Terms 
The  Periodic  Rate  and  corresponding  Annual  Percentage 
Rate used to compute the Interest Charge is be set forth in 
the Account Disclosure that accompanies, and is a part of, 
this Agreement.  The Annual Percentage Rate is divided by 
365  to  obtain  the  Daily  Periodic  Rate.  Your  Annual 
Percentage Rate may change based on an index, which is 
the highest Prime Rate published in The Wall Street Journa l . 
The Annual Percentage Rate will change on the first day of 
each month, based on the index rate as of the last day of th e  
second  month  prior  to  the  rate  change.  To determine the 
Annual Percentage Rate, we add a margin to the index. The 
amount  of  the  margin  for  your  account  is  based  on  your 
credit profile and will be disclosed on the Account Disclosure  
that  accompanies,  and  is  a  part  of,  this  Agreement.  The 
Annual  Percentage  Rate  will  never  be  more  than 23.99%.  
Changes  in  the  Annual  Percentage  Rate  will  affect  the 
number of payments you make. 
b.  Introductory  or Promotional  Rates 

At  our  discretion,  we  may  offer  you  an  introductory  or 
promotional  Annual  Percentage  Rate for your Account. Any 
introductory or promotional Annual Percentage Rate will be 
subject to the terms of the offer and this Agreement. We will 
provide you with information on the offer, including the time 
period  the  introductory  or  promotional  Annual  Percentage 
Rate  is  in  effect  in  the  Account  Disclosure  or  in  other 
materials  that  we  send  to  you  about  the  offer  after  you 
receive your Credit Card. 

10. Conditions  under Which Other Charges May 

Be Imposed 

You  agree  to  pay  the  following  fees  and  charges  on  your 
Account. All fees and charges will be added to your purchase 
balance  and  will  accrue  interest charges at the same rate 
that applies to your purchase balance. 

a. Late Fee 
If any payment is not made on or before 10 days after i ts  d u e  
date, you will pay a late fee of to $25 for the first late paymen t, 
and  $35  for  any  late  payments  during the following six (6) 
billing cycles.  
b.  Returned Item Fee 
If  any  check,  draft,  or  electronic  payment  we  receive  from 
you as payment for any amount you owe to us is returned to 
us unpaid, you agree to pay a returned item fee of $12. 
c.  Card Replacement Fee 
You  will  be  charged  $8  for  each  replacement  card  that  is 
issued to you for any reason. 

© 2021 Farleigh Wada Witt. All rights  reserved. 

M arch 2021 -  2 

 
 
Credit Card Account Agreement 

Advantis Credit Union 

d.  Foreign  Transaction Fee 

You will be charged a Foreign Transaction Fee of 1.00% of 
the transaction amount (in U.S. dollars). This fee applies to 
any card transaction made at a location in a foreign country, 
or payable to a merchant located in a foreign country even if 
you initiate the transaction from within the United States. 
e.  Attorney's Fees and Costs 
If you default on any part of this Agreement, you agree to pay 
us all costs to collect your Account, including court co s ts a n d  
reasonable attorney fees whether or not there is a lawsuit, and 
fees  on  any  appeal  and  fees  for  bankruptcy  proceedings, 
appeals,  and  any  post-judgment  collection  services,  if 
applicable.  These  fees  and  costs  may  be  added  to  your 
Account  balance  and  will  bear  interest  at  the  Annual 
Percentage Rate in effect at that time. 

11. Rewards 
For  Rewards  Cards,  the  Rewards  Program  ("Program") 
associated  with  your  Account  is  the  reward  program 
established and maintained by the Credit Union w i th  a  th i rd -
party service provider selected by the Credit Union.  The Credit 
Union reserves the right to terminate the Program or to change 
the terms and conditions of the Program at any time without 
prior notice.  This means the Credit Union may change, among 
other things, the rules regarding redemption of points or the 
restrictions on the use of rewards.  The Credit Union also h a s 
the right to add or delete benefits and services to your Account 
at any time.   

12. Conditions  of Card Use 
The use of your Card and Account are subject to the followi n g 
conditions: 
a.  Use  
Your Card and Account may be used only for valid and lawful 
purposes. You may not use your Card (i) to make Purchases 
or obtain Cash Advances for any illegal transaction, or (ii) fo r 
any internet or online gambling transactions. If you use your 
Card for any illegal or prohibited transaction, this Agreem e n t 
also  applies  to  such transaction and you agree to pay any 
and all amounts related to such transaction pursuant to the 
terms of this Agreement. We may, at our sole discretion a n d  
without warning, restrict the use of or terminate your Card if 
we  notice  excessive  use  of  your  Card or other suspicious 
activities or if we reasonably believe the Card is or has b e e n  
used for one or more illegal or prohibited transactions. 
b.  Ownership of Cards 
Any  Card which we supply to you is our property and must be 
returned to us, or to any person whom we authorize to act a s  
our  agent,  or to any person who is authorized to honor the 
Card,  immediately  according  to  instructions.  You  cannot 
transfer your Card or Account to another person. 
c.  Honoring  the Card  
We  may  decline  to  honor  any  transaction  for  any  reason. 
Neither we nor merchants authorized to honor the Card will 
be responsible for the failure or refusal to honor the Card or 
any  other  credit  instrument or device we supply to you. If a 
merchant  agrees  to  give  you  a  refund  or  adjustment,  you 
agree  to  accept  a  credit  to  your  Account  in  lieu  of  a  cash 
refund. 

d.  Currency Conversion/International  Transaction Fee 
Purchases and cash advances made in foreign currencies 
will  be  debited  from  your  account  in  U.S.  dollars.  The 
exchange  rate  between  the  transaction  currency  and  the 
billing currency used for processing international transactions 
is a rate selected by Visa from the range of rates available i n  
wholesale currency markets for the applicable Transaction, 
which  rate  may  vary from the rate Visa receives or the rate 
mandated  by  a  government  or governing  body  in  effect for 
the applicable Transaction. The exchange rate used on the 
processing  date  may  differ  from  the  rate  that  would  have 
been  used  on  the  purchase  date  or cardholder statement 
posting date. 

A fee (FINANCE CHARGE), calculated in U.S. dollars, will be 
imposed  on  all  foreign  transactions,  including purchases, 
cash  advances  and  credits  to  your  account.  A  foreign 
transaction  is  any  transaction  that  you  complete,  or  a 
merchant  completes  on  your  card  outside  of  the  United 
States,  with  the  exception  of  U.S.  military  bases,  U.S. 
territories, U.S. embassies or U.S. consulates. The Foreign 
Transaction Fee is set forth in Section 10. 
e.  Notices and Payments 
All  notices  will  be  sent  to  your  address  as  shown  in  the 
application. You agree to advise us promptly in writing if you 
change your mailing address. All payments should be mailed 
to  us  at  the  remittance  address  shown  on  your  monthly 
statements.  Payments  received  at  that  address  will  be 
credited  to  your  Account  as  of  the  date  received.  Written 
notices and inquiries to us must be sent to: 

Advantis Credit Union 
PO Box 14220 
Portland, OR  97293 

f.  Personal Identification  Number 

If we issue you a Personal Identification Number ("PIN") for 
use with your Card in accessing your line of credit at ATMs, 
these numbers are issued to you for your security purpos e s . 
These numbers are confidential and should not be disclose d 
to  third  parties.  You  are  responsible  for  safekeeping  your 
PIN. You agree not to disclose or otherwise make available 
your  PIN  to anyone not authorized to sign on your Account. 
To keep your Account secure, please do not write your PIN 
on your Card or keep it in the same place as your Card. 

13. Default 
You  will  be  in  default  under  this  Agreement  if  any  of  the 
following  occur:  (a)  Any  Minimum  Monthly  Payment  is  not 
made when due; (b) You become insolvent, bankrupt, or yo u  
die;  (c) You violate any part of this Agreement, or any other 
agreement with us; or (d) If we reasonably deem ourselves 
insecure with respect to your Account. Upon default, we m a y 
declare  the  entire  unpaid  balance  immediately  due  and 
payable,  and  you  agree  to  pay  that  amount  plus  any 
attorney's  fees  and  costs as set forth in Section 10 above, 
including  fees  and  costs  in  any  appeal  or  bankruptcy 
proceeding.  We  can  delay  enforcing  any  right  under  this 
Agreement without losing that right or any other right. We will  
notify you in writing of any such action as soon as practical  i f 
it occurs. 

© 2021 Farleigh Wada Witt. All rights  reserved. 

M arch 2021 -  3 

 
 
 
Credit Card Account Agreement 

Advantis Credit Union 

14. Governing Law 
This Agreement will not take effect until it is approved by us. 
This Agreement shall be governed by the laws of the State o f 
Oregon. 

15. Severability 
If any provision of this Agreement is held invalid, the remaining 
provisions that are severable shall remain in effect. 

16. Loss or Theft of Card 
You agree to notify us immediately of the loss, or the th e ft, o r 
the use without your permission, of any Card or other credit 
instrument  or  device  which we supply to you.  You may be 
liable for the unauthorized use of your card.  You will not be 
liable  for  unauthorized  use  which  occurs  after  you  notify:  
Advantis Credit Union, PO Box 14220, Portland, OR  97293, 
503.785.2528,  orally  or  in writing of loss, theft, or possible 
unauthorized use.  You will not be liable for unauthorize d  u s e 
of your Card if you were not negligent or fraudulent in handling 
your Card.  In any case, your liability shall not exceed $50. 

17. Credit Information/Financial  Statements 
You authorize us to release information to others (e.g., cre d i t 
bureaus, merchants, and other financial institutions) regarding  
the status and history of your Credit Line. You agree to provide 
us, at any time we deem necessary, with a current financial 
statement and/or updated credit information upon request. We  
may  investigate  your  credit  directly  or  through  a  credit 
reporting agency. 

18. Amendments 
We  reserve  the  right  to  change  any terms or conditions of 
this  Agreement  at  any  time,  to  the  extent  permitted  by 
applicable  law.  We  will  notify  you  of  the  changes  to  this 
Agreement as required by law. 

19. Billing  Errors Notice,  Your Credit Card 

Billing  Rights 

Keep this document for future use. This notice tells you a b o u t 
your rights and our responsibilities under the Fair Credit Billing 
Act. 

What to Do if You Find a Mistake on Your Statement. If you 
think  there  is  an  error  on  your  statement,  write  to  us  at:  
Advantis Credit Union, PO Box 14220, Portland, OR  97293.  
In your letter, give us the following information: 

• 

Account information: Your name and account number. 

•  Dollar amount: The dollar amount of the suspected error. 

•  Description of problem: If you think there is an error on 
your bill, describe what you believe is wrong and why yo u  
believe it is a mistake. 

You must contact us: 

•  Within  60  days  after  the  error  appeared  on  your 

statement. 

• 

At least 3 business days before an automated payment is  
scheduled, if you want to stop payment on the amount 
you think is wrong. 

You must notify us of any potential errors in writing . Yo u  m a y 
call us, but if you do, we are not required to investigate any 
potential  errors  and  you  may  have  to  pay  the  amount  in 
question. 

What Will Happen After We Receive Your Letter.  When we 
receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell 
you  that  we  received  your  letter.  We  will also tell you if we 
have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either 
correct the error or explain to you why we believe the bill is 
correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question o r re p o rt 

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, yo u  

are responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 

• 

If  we  made  a  mistake:  You  will  not  have  to  pay  the 
amount in question or any interest or other fees related to  
that amount. 

If we do not b elieve there was a mistake: You will have  to  
pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report 
you as delinquent if you do not pay the amount we think 
you owe. 

If you receive our explanation but still believe your bill is wrong, 
you  must  write  to  us within 10 days telling us that you still 
refuse to pay. 

If you do so, we cannot report you as delinquent with o ut a l s o 
reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as del i nq ue nt, 
and we must let those organizations know when the matter 
has been settled between us. If we do not follow all of the rules 
above, you do not have to pay the first $50 of the amoun t yo u  
question even if your bill is correct. 

Your  Rights  if  You  Are  Dissatisfied  With  Your  Credit  Card 
Purchases. If you are dissatisfied with the goods o r s e rvi ce s 
that you have purchased with your credit card, and you have 
tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due 
on the purchase. To use this right, all of the following must b e  
true: 

1.  The purchase must have been made in your home 
state or within 100 miles of your current mailing address, a n d  
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 compa n y 
that sold you the goods or services.) 

2.  You  must  have  used  your  credit  card  for  the 
purchase. Purchases made with cash advances from a n  ATM 
or with a check that accesses your credit card account d o  n o t 
qualify 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfi ed  
with the purchase, contact us in writing at the above add re s s. 

© 2021 Farleigh Wada Witt. All rights  reserved. 

M arch 2021 -  4 

 
 
 
 
 
 
 
Credit Card Account Agreement 

Advantis Credit Union 

While we investigate, the same rules apply to the disputed 
amount as discussed above. After we finish our investiga ti on , 
we will tell you our decision. At that point, if we thin k yo u  o w e  
an  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent. 

Acknowledgment 

20. 
You understand and agree to the terms and conditions i n  th i s 
Agreement  and 
the  Fair  Credit  Billing  Notice.  You 
acknowledge that you have received a copy of this Agreement, 
the Account Disclosure, and the Fair Credit Billing Notice. This 
Agreement is a final expression of the agreement between you 
and the Credit Union.  

© 2021 Farleigh Wada Witt. All rights  reserved. 

M arch 2021 -  5 

 
 
Military Lending Addendum and
Disclosure (Credit Card)

PO Box 14220
Portland, OR  97293 
503.785.2528 (cid:140) 800.547.5532 
www.advantiscu.org

This  Military  Lending  Addendum  and  Disclosure  is  issued  pursuant  to  your  Visa  Credit  Card  Account Agreement and
Account Disclosures.
This Addendum applies only to a loan that is:

(i) made to a member of the Armed Forces currently serving on active duty (under a call or order not less than

30 days), Active Guard or Reserve duty (a “Covered Member”) or to a dependent of a Covered Member; and

(ii) not made for the purchase of a motor vehicle or other personal property.

A credit card account for a Covered Member or dependent of a Covered member that is not made for the purchase of
a motor vehicle or other personal property is called a “Covered Loan.”
This  Addendum  contains  changes  to  certain  terms  of  your  Visa  Credit  Card  Account  Agreement  and  Account
Disclosures, with respect to the account described below, if that account is a Covered Loan.

Military Lending Disclosures. These Military Lending Disclosures are part of and integrated with your Visa Credit
Card Account Agreement and Account Disclosures, as applicable.

Borrower  Certification  of  Active  Duty. Borrower  and  Co-Borrower  certify  that:    (i)  the  Covered  Member
identified above is a member of the Armed Forces who is currently serving on active duty (under a call or order not
less than 30 days) Active Guard and Reserve duty; and (ii) Borrower or Co-Borrower is the Covered Member or is a
dependent of the Covered Member.  Borrower and Co-Borrower authorize the Credit Union to verify their status as a
Covered Member or dependent by obtaining information from the database of the Department of Defense or from a
consumer report obtained from a consumer reporting agency.

Military Annual Percentage Rate

Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and  their  dependents  relating  to
extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or
her  dependent  may  not  exceed  an  annual  percentage  rate  of  36%.    This  rate  must  include,  as  applicable  to  the
credit transaction or account:  the costs associated with credit insurance premiums; fees for ancillary products sold
in connection with the credit transaction; any application fee charged (other than certain application fees for a credit
card account); and any participation fee charged (other than certain participation fees for a credit card account).

Payment Obligation

Your payment obligation under your Visa Credit Card Account is set forth in section 1 and section 4 the Visa Credit
Card Account Agreement.

Additional Account Terms

The following additional account terms amend corresponding terms of your Visa Credit Card Account Agreement and 
Account Disclosures and will apply only to the Credit Card issued under the account number identified above.

Security Interest.  The Credit Union’s security interest in all your Credit Union shares or deposits pursuant to the 
Visa Credit Card Account Agreement will not apply to the Credit Card Account identified above.  A security interest 
in shares or deposits granted in connection with any other credit card account, loan or line of credit does not secure 
the  Credit Card Account  identified  above,  in  spite  of any  provision  that  collateral  securing  one  loan  secures  all  of 
your other Credit Union obligations.  However, if you establish a deposit or share account specifically in connection 
with  your  Credit  Card  Account,  funds  deposited  in  that  account  after  you  establish  the  Credit  Card  Account  are 
subject to our security interest as set forth on the applicable Visa Credit Card Account Agreement.

Credit  Union  Toll-Free  Telephone  Number  –  800-547-5532.    Call  this  number  for  verbal  information
about the Military Annual Percentage Rate and your payment obligation.

© 2021 Farleigh Wada Witt. All rights reserved.

March 2021