VISA CREDIT CARD AGREEMENT  
In this Agreement the words "you" and "your" mean each and all of those who agree to be 
bound by this Agreement; "Card" means the VISA credit card and any duplicates, renewals, 
or substitutions the Credit U nion issues to you; "Account" means your VISA credit card line 
of credit account with the Credit Union, and "Credit Union" means the Credit Union whose 
name appears on this Agreement or  anyone to whom the Credit Union transfers this 
Agreement.  
 
1. Using Yo ur Account . If you are approved for an Account, the Credit Union will establish 
a line of credit for you and notify you of your credit limit. You agree that your credit limit is 
the maximum amount (purchases, cash advances, finance charges, plus "other cha rges") 
that you will have outstanding on your Account at any time. If you are over your credit limit, 
you must pay the amount you are over before payments will begin to restore your credit 
limit. You may request an increase in your credit limit only by a m ethod acceptable to the 
Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an 
advance and/or terminate your Account at any time for any reason not prohibited by law.  
 
2. Using Your Card . You may use your Card to make p urchases from merchants and 
others who accept VISA Cards. However, you may not use your Card to initiate any type of 
electronic gambling transaction through the Internet. A VISA card may not be used for any 
illegal transaction(s). Consult your legal counse l to determine the legality of specific online 
gambling transactions. If you wish to pay for goods or services over the Internet, you may 
be required to provide card member security information before you will be permitted to 
complete the transaction. In a ddition, you may obtain cash advances from the Credit Union 
and from other financial institutions that accept VISA Cards, and from some automated teller 
machines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an 
ATM, you must use th e Personal Identification Number (PIN) that is issued to you for use 
with your Card.  
 
3. Responsibility . You agree to pay all charges (purchases and cash advances) to your 
Account that are made by you or anyone whom you authorize to use your Account. You a lso 
agree to pay all finance charges and other charges added to your Account under the terms 
of this Agreement or another agreement you made with the Credit Union. If this is a joint 
Account, Section 17 below also applies to your Account.  
 
4. Finance Charg es. FINANCE CHARGES  on your Account are calculated by applying the 
applicable monthly Periodic Rate to the average daily balances for Purchases and Cash 
Advances .  Separate average daily balances are calculated for  Purchases  and Cash 
Advances. Your monthly  Periodic Rate and corresponding ANNUAL PERCENTAGE RATE 
for Purchases, Balance Transfers and Cash Advances are as set forth in the Account 
Opening Disclosure provided to you at the time of the delivery of this Agreement, the terms 
of which are incorporated  herein by reference.  
 
To get each average daily balance, the daily balances for Purchases  and Cash A dvances 
for the billing cycle are added and the totals are divided by the number of days in the cycle.   
To get the daily balance for C ash Advances, new Cash Advances are added to the day's 
beginning balance and payments , credits and any unpaid interest or other finance charges 
are subtracted.  To get the daily balance for  Purchases, new Purchases are added to the 
day's beginning balance and payments , credits  and any unpaid interest or other finance 
charges are subtracted; however, new  Purchases are not added if you paid the entire New 
Balance for  Purchases on your last statement by the end of the grace period or if you did 
not have a Purchase balance on your last statement.   
 
Cash Advances -The FINANCE CHARGE  on Cash Advances is calculated in accordance 
with the following method: A Finance charge will be imposed on Cash Advances from the 
date made or from the first day in which the Cash Advance is posted to yo ur account, 
whichever is later, and will continue to accrue on the average daily balance of such Cash 
Advances until the balance is paid in full. There is no grace period on Cash Advances.  Purchases -The FINANCE CHARGE  on Purchases is calculated in accorda nce with the 
following method: A FINANCE CHARGE  will be imposed on Purchases only if you elect not 
to pay the entire New Balance shown on your monthly statement for the previous billing 
cycle within twenty five (25) days from the closing date of that state ment.  
 
If you elect to pay less than the entire New Balance shown on your previous monthly 
statement within that twenty five (25) day period, a Finance Charge will be imposed on the 
average daily balance of such Purchases from the previous statement closi ng date and on 
new Purchases from the date of posting to your account during the current billing cycle, and 
will continue to accrue until the closing date of the previous statement closing date and on 
new Purchases from the date of posting to your account during the current billing cycle, and 
will continue to accrue until the closing date of the billing cycle preceding the date on which 
the entire New Balance is paid in full or until the date of payment if more than twenty five 
(25) days from the closing da te. 
 
Balance Transfers  � Balance transfers, as permitted by Credit Union from time to time in 
Credit Union�s sole discretion, will be treated as Cash Advances for the purpose of all 
FINANCE CHARGES . 
 
5. Other Charges . The following other charges (fees) wil l be added to your Account, as 
applicable:  
a. Over -the-Credit -Limit Fee : An over -the-limit fee will not be imposed.  In the event 
you incur charges in amounts which shall cause the account indebtedness to exceed 
the authorized credit limit by 1%, you shall  pay immediately the amount by which the 
total New Balance exceeds such maximum authorized credit.  
b. Late Payment Fee : If a payment of at least the amount of the minimum required       
payment is not received within five (5) days of the Due Date or cycle whichever 
comes first, a late charge in the amount of $25.00 shall be imposed.   In no event will 
your Late Payment Fee exceed the amount of your minimum payment due.  
c. Return Check /Return Pre -Authorized Payments Fee : If you make any payment on 
your Accou nt with a check or draft or through a pre -authorized payment, and that 
check, draft or pre -authorized payment is returned to the Credit Union unpaid for any 
reason, your Account will be charged a fee equal to the lesser of $25 or the required 
minimum payme nt.  In no event will your Return Check/Return Pre -Authorized 
Payments Fee exceed the amount of your minimum payment due immediately prior 
to the date on which the payment was returned.  
d. Card Replacement Fee : In the event any additional or replacement ca rds are issued  
for any reason other than the issuance of a renewal card, a fee in the amount of 
$5.00 may be imposed.  
e. Collection Costs : Cardholder agrees to pay all costs incurred by issuer in collecting 
cardholder�s indebtedness or in enforcing this Ag reement, including attorneys� fees 
and costs, as well as those costs, expenses and attorneys� fees incurred in appellate, 
bankruptcy, and post -judgment proceedings, except to the extent such costs, fees, or 
expenses are prohibited by law.  
f.  Balance Conso lidation/Convenience Check Stop Payment Fee: $25.00. 
g. Rush Mail Fee: (Priority Handling) $25.00.  
h. Cash Advance Transaction Fee:   A cash advance transaction fee will not be  
imposed.   
 
6. Payments . Each month you must pay at least the minimum payment sh own on your 
statement by the date specified on the  statement or no later than twenty -five (25) days from 
the statement closing date, whichever is later. If your statement says the payment is "Now 
Due," your payment is due no later than twenty -five (25) day s from the statement closing 
date. You may pay more frequently, pay more than the minimum payment or pay the Total 
New Balance in full. If you make extra or larger payments, you are still required to make at 
least the minimum payment each month your Accoun t has a balance (other than a credit 
balance). The minimum payment is 2% of your Total New Balance, or $10.00, whichever is 
greater, plus the amount of any prior minimum payments that you have not made, and any 
amount you are over your credit limit. The Cr edit Union also has the right to demand 
immediate payment of any amount by which you are over your credit limit.  
  
 
 
                    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 13. Merchant Disputes:  Returns and Adjustments . The Credit Union is not responsible 
for the refusal of any merchant or financial institutio n to honor your Card.  Merchants and 
others who honor your Card may give credit for returns or adjustments, and they will do so 
by sending the Credit Union a credit slip which will be posted to your Account. If your credits 
and payments exceed what you owe  the Credit Union, the amount will be applied against 
future purchases and cash advances. If the credit balance amount is $1 or more, it will be 
refunded upon your written request or automatically after three (3) months.  
 
14. Additional Benefits/Card Enhan cements . The Credit Union may from time to time 
offer additional services to your Account, such as travel accident insurance, at no additional 
cost to you. You understand that the Credit Union is not obligated to offer such services and 
may withdraw or cha nge them at any time.  
 
15. Foreign Transactions . Transactions initiated in foreign countries and/or foreign 
currencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will 
be (a) a rate selected by Visa from the range of rat es available in wholesale currency 
markets for the applicable central processing date, which rate may vary from the rate Visa 
itself receives, or (b) the government -mandated rate in effect for the applicable central 
processing date . The conversion rate use d on the date the foreign transaction is processed 
may differ from the rate that would have been used on the date of the purchase and/or the 
transaction posting date.  
 
16. Severability.   In the event that any paragraph of this Agreement or portion thereof is 
held by a court to be invalid or unenforceable for any reason, the other paragraphs and 
portions of the Agreement shall not be invalid or unenforceable and will continue in full force 
and effect.  
 
17. Governing Law.   This Agreement is governed by the By laws of the Credit Union, federal 
laws and regulations, and the laws and regulations of the State of Florida, as amended from 
time to time.  
 
18. Dispute Resolution.   Any disputes regarding this Agreement shall be within the 
jurisdi ction of the court of the  count y in which the Credit  Union�s principal place of doing 
business is located.  If legal action is necessary to enforce this Agreement or collect any 
amounts owing to the Credit Union or fees or charges assessed under this Agreement, the 
Credit Union ha s the right, subject to applicable law, to payment by you of all attorney�s fees 
and costs, including fees on any appeal and any post -judgment actions.  You agree that 
such legal action may be filed and heard in the count y and state in which the Credit Uni on�s 
principal place of doing business is located, if allowed by applicable law.  
 
19. Joint Accounts . If this is a joint Account, each person on the Account must sign the 
Agreement (by signing on the application). Each of you will be individually and joint ly 
responsible for paying all amounts owed under this Agreement. This means that the Credit 
Union can require any one of you individually to repay the entire amount owed under this 
Agreement. Each of you authorizes the other(s) to make purchases or cash ad vances 
individually. Any one of you may terminate the Account and the termination will be effective 
as to all of you.  
 
20. Effect of Agreement . This Agreement is the contract which applies to all transactions 
on your Account even though the sales, cash adv ances, credit or other slips you sign or 
receive may contain different terms.  
 
21. No Waiver . The Credit Union can delay enforcing any of its rights any number of times 
without losing them.  
 
22. Statements and Notices . Statements and notices will be mailed  to you at the most 
recent address you have given the Credit Union. Notice sent to any one of you will be 
considered notice to all.  
 
23. Final Expression . This Agreement is the final expression of the terms and conditions of 
this VISA line of credit betwee n you and the Credit Union. This written Agreement may not 
be contradicted by evidence of any alleged oral agreement.  
 
24. Copy Received . You acknowledge that you have received a copy of this Agreement.  
 
25. Visa Card Information Updates and Authorization s. If you have authorized a 
merchant to bill charges to your card on a recurring basis, it is your responsibility to notify 
the merchant in the event your card is replaced, your card information (such as card number 
and expiration date) changes, or the acc ount associated with your card is closed. However, 
if your card is replaced or card information changes, you authorize us, without obligation on 
our part, to provide the updated card information to the merchant in order to permit the 
merchant to bill recur ring charges to the card. You authorize us to apply such recurring 
charges to the card until you notify us that you have revoked authorization for the charges to 
your card.    
Your card is automatically enrolled in an information updating service. Through t his service, 
your updated card information (such as card number and expiration date) may be shared 
with participating merchants to facilitate continued recurring charges. Updates are not 
guaranteed before your next payment to a merchant is due. You are res ponsible for making 
direct payment until recurring charges resume. To revoke your authorization allowing us to 
provide updated card information to a merchant, please contact us.  
 7. Payment Allocation . Subject to applicable law, your payments may be appli ed to what 
you owe the Credit Union in any manner the Credit Union chooses.    
 
8. Security Interest  You grant the Credit Union a security interest under the Uniform 
Commercial Code and under any common law rights the Credit Union may h ave in any 
goods You purchase. 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 
Credi t Union 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 DEPOSITS IN AN IRA  OR ANY OTHER 
ACCOUNT 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 ACKNOWLE DGE AND AGREE 
THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN 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 AC COUNT 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 the Credit Union may also secure this loan, except that a dwellin g will never be 
considered as security for this Account, notwithstanding anything to the contrary in any 
other Agreement  
 
9. Default . You will be in default if you fail to make any minimum payment or other required 
payment by the date that it is due. You w ill be in default if you break any promise you make 
under this Agreement. You will be in default if you die, file for bankruptcy or become 
insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false  or misleading statements in any credit application or credit 
update. You will also be in default if something happens that the Credit Union believes may 
substantially reduce your ability to repay what you owe.  
 
When you are in default, the Credit Union ha s the right to demand immediate payment of 
your full Account balance without giving you notice. If immediate payment is demanded, you 
agree to continue paying finance charges, at the periodic rate charged before default, until 
what you owe has been paid, a nd any shares that were given as security for your Account 
may be applied towards what you owe.  
 
In the event that any suit is filed against the Credit Union with respect to this Agreement, or 
any credit card issued under this Agreement, the suit shall onl y be brought in the courts of 
the state of Florida.  
 
10. Liability for Unauthorized Use -Lost/Stolen Card Notification . You agree to notify us 
immediately, orally or in writing at P.O. Box 11904, Tampa, FL 33680 or telephone (800) 
645-7728 twenty four (24) hours a day, seven (7) days a week, of the loss, theft, or 
unauthorized use of your Credit Card. You may be liable for the unauthorized use of your 
Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the 
loss, theft,  or possible unauthorized use. You will have no liability for unauthorized 
purchases made with your credit card, unless you are grossly negligent in the handling of 
your card. In any case, your liability will not exceed $50.  
 
11. Changing or Terminating Yo ur Account . The Credit Union may change the terms of 
this Agreement from time to time. Notice of any change will be given in accordance with 
applicable law. If permitted by law and specified in the notice to you, the change will apply 
to your existing Acco unt balance as well as to future transactions.  
 
Either you or the Credit Union may terminate this Agreement at any time, but termination by 
you or the Credit Union will not affect your obligation to pay the Account balance plus any 
finance and other charge s you owe under this Agreement. You are also responsible for all 
transactions made to your Account after termination, unless the transactions were 
unauthorized.  
 
The Card or Cards you receive remain the property of the Credit Union and you must 
recover an d surrender to the Credit Union all Cards upon request or upon termination of this 
Agreement whether by you or the Credit Union. If and to the extent permitted by applicable 
law, t he Credit Union has the right to require you to pay your full Account balanc e at any 
time after your Account is terminated, whether it is terminated by you or the Credit Union. If 
this is a joint Account, Section 17 of this Agreement also applies  to termination of the 
account.  
 
12. Credit Information . You authorize the Credit Unio n to investigate your credit standing 
when opening or reviewing your Account. You authorize the Credit Union to disclose 
information regarding your Account to credit bureaus and creditors who inquire about your 
credit standing. If your account is eligible for emergency cash and/or emergency card 
replacement services, and you request such services, you agree that we may provide 
personal information about you and your account that is necessary to provide you with the 
requested services(s).  
 
 Revised 
11/19/2021