191 Ella Grasso Turnpike  
Windsor Locks, CT 06096  
(800) 544 -4728 (860) 627 -4200  
Fax: (860) 627 -4224  www.360fcu.org  
  
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 Union issues to you; �Account� means your VISA cred it card line of credit account with the Credit Union, and �Credit Union� and �we� means the Credit 
Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. This Agreement become s effective once you are approve d for an 
account. You agree to its terms by using your account.   
  
1. Using Your 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 charges�) that you will have outstanding on your A ccount 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 method 
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 rea son not 
prohibited by law.  
  
2. Using Your Card.  You may use your Card to make purchases from merchants and others who accept VISA Cards. However, you may not use your Card t o initiate any type of 
electronic gambling transaction through the Internet. 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 mu st use th e Personal Identification Number 
(PIN ). You can activate your card and set your PIN by calling the telephone number on the sticker on the front of your card. You agree that you will not use your Card for any 
transaction that is illegal under applicable fed eral, state or local law.  
  
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 also 
agree to pay all finance charges and other charges ad ded 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 Charges.  New purchases posted to your account during a billi ng cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the 
beginning of that billing cycle or you paid the entire New Balance on the previous cycle�s billing statement by the Payment D ue Date of that statemen t; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid any additional finance charges on the balance of pur chases, you must pay the entire New Balance on the 
billing statement by the Payment Due Date of that statement, unless there was also cash advance transaction (which includes balance transfers and convenience check transaction s) 
within the same statement cycle, in which case the grace period ends. Finance charges begin to accrue on cash advances from t he date you get the cash advance, there is no grace 
period. Finance charges will also begin to accrue immediately on all balances including purchases when a cash advance transac tion (including balance transfers and convenience 
check transactions) is performed  during the statement cycle.  
  
 
 
 a. All VISA Credit Card Accounts as of December 1, 2009 have variable interest rates. The Annual Percentage Rate or APR, which i s a variable rate will be effective and 
changed semi -annually on the 1st of November and the 1st of May and is determined by adding the margin assigned to your account to the Index. The Index is the 
Prime Rate  (currently at 3.50%)  as published in the Wall Street Journal on the first business day of the calendar month immediately preceding the change date  as 
previously described. For example, the index rate published on the first business day of October plus the margin assigned to your Account will determine the ANNUAL 
PERCENTAGE RATE or APR that will apply during the billing cycles that begin in November and continue until the next semi -annual change. The index published 
on the first business day of April plus the margin assigned to  your Account will determine the ANNUAL PERCENTAGE RATE or APR that will apply during the 
billing cycles that begin in May and will continue until the next semi -annual change.  
1. VISA Credit Card Accounts opened prior to June 15, 2016 ; before you became obligated the Credit Union disclosed to you whether your Account was 
Classic or Platinum, the margin that is assigned to your account, along with the current variable ANNUAL PERCENTAGE RATE or A PR and corresponding 
Monthly Periodic Rate. The margin assigne d to your Account is 9% for Platinum cards and 10% fo r Classic cards. The floor  on the APR will be equal to the 
margin for each type of card, in other words the APR on the Platinum card can never be lower than 9% and can never be lower t han 10% for the Cla ssic card. 
In no event will the ANNUAL PERCENTAGE RATE applicab le to your Account exceed 18%. The ANNUAL PRECENTAGE RATE or APR is the same 
for Cash Advance and Balance Transfers.  
2. VISA  Secured Classic Credit Card Accounts opened on or after June 15, 2016 ; before you became obligated the Credit Union disclosed to you the margin 
that is assigned to your account, along with the current variable ANNUAL PERCENTAGE RATE or APR and corresponding Monthly Per iodic Rate. The 
margin assigned to your Account is 10%. T he floor limit on the APR can never be lower than 10%. In no event will the ANNUAL PERCENTAGE RATE 
applicable to your Account exceed 18%.  The ANNUAL PRECENTAGE RATE or APR is the same for Cash Advance and Balance Transfers.  
3. VISA Platinum Credit Card Accou nts opened on or after June 15, 2016 ; your ANNUAL PERCENTAGE RATE or APR will be based upon your credit 
history and credit score, and determined by adding the margin of 6.45%, 8.45%, 10.45%, 12.45%, or 14.45% to  the Prime Rate. The floor  on the APR will be  
equal to the margin. In no event will the ANNUAL PERCENTAGE RATE applicable to your Account exceed 18%.  The ANNUAL PRECENTAGE RATE 
or APR is the same for Cash Advance and Balance Transfers.  
 
The finance charge is calculated separately for purchases and c ash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average 
daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purch ases each day, add  any new purchases, and subtract 
any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases f or the billing cycle together and divide the total by the 
number of days in the billing cycle. Thi s gives us the average daily balance of purchases.   
  
For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash 
advances, we take the beg inning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of  cash advances for the billing cycle together and divide the total by the 
number of days in the billing cycle. This gives us the average daily balance of cash advances.   
The monthly periodic rates and ANNUAL PERCENTAGE RATES will be disclosed on the Visa Credit Card Rate & Fee Disclosure on our Visa application. This Disclosure is 
available in paper form at any branch or via e -mail, or in electronic form at www.360fcu.org.  
  
5. Other Charges.  The following other charges (fees) will be added to your Accoun t see the Visa Credit Card Rate & Fee Disclosure, as applicable:  
a. Over the Credit Limit Fee: You may be charged a fee on a statement date if your New Balance on that date, less any fees im posed during the cycle, is over your credit 
limit. You may be cha rged the fee each subsequent month until your New Balance on the statement date, less any fees imposed during the cycle, is b elow your credit limit 
but will not exceed two additional consecutive billing cycles for a total of three billing cycle unless anot her transaction is made which is over the limit. You will only be 
charged this fee if you have signed up for the Credit Limit Protection program and have given us permission to bring your acc ount over the limit.  
b. Late Payment Fee: A late charge will be added to your account if you are late in making a payment.  
c. Returned Payment Fee: If a check, share draft or other form of payment such as ACH or electronic transfer, used to make a payment on your account is returned unpaid, 
you will be charged a fee f or each item returned.  
d. Transaction Fee for Cash Advance: You may be charged a fee for each cash advance transaction during the statement cycle.  
e. Card Replacement Fee: You will be charged for each replacement card that is issued to you for any reason .  
f. Document Copy Fee: You will be charged for each copy of a sales draft (transactions receipts) or statement that you reques t (except when the request is made in connection 
with a billing error made by the Credit Union).   g. Collection Costs: You agree  to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney fees not in excess of 1 5% of any 
judgment and all court cost.  
h. RUSH Fee: Overnight  card order  
  
6. Payments.  Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement or no lat er 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) days 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 Account has a balance (other than a credit balance). The minimum payment is 2% o f your Total New Balance, or $15.00, whichever 
is greater, plus the amount of any prior minimum payments that you have not mad e, and any amount you are over your credit limit. The Credit Union also has the right to demand 
immediate payment of any amount by which you are over your credit limit. All payments must be made in U.S. currency.  
7. Payment Allocation.  Subject to applicab le law, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses.   
 
8. Security Interest.  To secure your VISA card account, you grant the Credit Union a purchase money security agreement interest under the Unifo rm Commercial Code in any 
goods you purchase through the account. If you default, we will have the right to recover any of these goods which have not b een paid for. If you give the Credit Union a specific 
pledge of shares by signing a separate pledge of sh ares, your pledged shares will secure your Account. You may not withdraw amounts that have been specifically pledged to secur e 
your Account until the Credit Union agrees to release all or part of the pledged amount. In addition, your Account is secured  by all other shares you have in any individual or joint 
account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given 
as security. These o ther shares may be withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the bala nce in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. Collateral securing ot her loans you have with the Credit Union now or in the future may also secure 
this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the cont rary 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 will be in de fault if you break any promise you 
make under this Agreement. You will be in default if you die, file for bankruptcy or become inso lvent, 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 defaul t if something happens that the Credit Union be lieves may 
substantially reduce your ability to repay what you owe.  When you are in default, the Credit Union has the right to demand i mmediate 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, 
and any shares that were given as security for your Account may be applied towards what you owe.  
 
10. Liability for Unauthorized Use -Lost/Stole n Card Notification.  You agree to notify us immediately, orally or in writing to Card Services, P.O. Box 3112, Tampa, FL 33631 -
3112 or telephone (800) 449 -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 purc hases 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 Your 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 may or may not 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 obliga tion to pay the Account balance plus 
any finance and other charges you owe under this Agreement. You are also responsible for all t ransactions 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 and surrender to the Credit Union all Cards upon request or upon ter mination of this 
Agreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full Account balance at any time after your Account is terminated, whether 
it is terminated by you or the Credit Union. If this is a jo int Account, Section 17 of this Agreement also applies to termination of the Account.  
  
12. Credit Review and Release of Information.  You authorize the Credit Union 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 sta nding. 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 service(s).     
13. Returns and Adjustments.  Merchants and others who honor your Card may give credit for returns or adjustme nts, 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 a pplied 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 six (6) months.  
  
14. Additional Benefits/Card Enhancements.  The Credit Union may from time to time offer additional services to your Account, such as trav el 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 change them at any time.  
  
15. Foreign Transactions.  Purchases and cash advances made in foreign currenci es 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 a range of r ates available in wholesale currenc y markets for the 
applicable central processing date, which rate may vary from the rate Visa itself receives, or the government -mandated rate in effect for the applicable central processing rate. The 
exchange rate used on the processing date may differ fro m the rate that would have been used on the purchase date or cardholder statement posting date.   
A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, includ ing 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 U.S., Puerto R ico or the U.S. Virgin Islands.  
 
16. Merchant Disputes.  The Credit Union is not responsible for the refus al of any merchant or financial institution to honor your Card. The Credit Union is subject to claims and 
defenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith a ttempt but have been unab le to obtain satisfaction from 
the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or par ticipated in sending to you; or (b) your purchase cost 
more than $50 and was made in your state or w ithin one hundred (100) miles of your home.  
  
17. Joint Accounts.  If this is a joint Account, each person on the Account agrees to the terms of this Agreement by using the account. Each of yo u will be individually and jointly 
responsible for paying all am ounts 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 advances individually. Any one of you may terminate the Account and the termination will be effective 
as to all of you.   
  
18. Effect of Agreement.  This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advances, credit  or other slips you sign or 
receive may contain different terms.  
  
19. No Waiver.  The Credit Union can delay enforcing any of its rights any number of times without losing them.  
  
20. 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 o ne of you will be 
considered notice to all.  
  
21. Final Expression.  This Agreement is the final expression of the terms and condi tions of this VISA line of credit between you and the Credit Union. This written Agreement may 
not be contradicted by evidence of any alleged oral agreement.  
  
22. Signatures.  You authorize the use of electronic signatures, facsimile signatures and photoc opied signatures. For all purposes said signatures to have the same force an effect as 
original signatures for all transactions included in applications or agreements with us.  
  
23. Acknowledgments.  If we go to court for any reason, you agree and understa nd that we can use a copy, filmed or electronic of any periodic statement, this agreement or any 
facsimile signature to prove what you owe us or that a transaction has taken place. Such copies shall have the same validity as the original.   
  
 
 
 
  Your acceptance and use and/or allowing your card to be used is your agreement to all of the terms and statements in this Agr eement. You acknowledge that you have received a 
copy of the Agreement.  
 
YOUR BILLING RIGHTS  
Keep ThisNoticeForFutureUse  
  
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.  
Notify Us In Case of Errors or Questions About Your Bill  
If you think your bill is wrong, or if you need more information about a transact ion on your bill, write PSCU Financial Services, P.O. Box 3112, Tampa, FL 33631 -3112 on 
a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than six ty (60) days after we sent you the first bi ll on 
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.  
In your letter, give us the following information:  
� Your name and account number.  
� The dollar amount of the suspected error.  
� Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the i tem you are not sure about.  
  
If you have authorized us to pay your credit card bill automatically from your savings or checking a ccount, you can stop the payment on any amount you think is wrong. To stop the 
payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur.  
Your Rights and Our Responsibilities After We Receive Your Written  Notice we must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. 
Within ninety (90) days, we must either correct the error or explain why we believe the bill was correct.  
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question,  including 
finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amou nt while we are investigating, but you are still obligated 
to pay the parts of your bill that are not in question.  
  
If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount . If we didn� t make a mistake, you may have to pay 
finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that 
it is due.  
  
If you fail to pay the amou nt that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days 
telling us that you still refuse to pay, we must tell anyone we report you to that you have a question abou t your bill. And, we must tell you the name of anyone we reported you to. 
We must tell anyone we report you to that the matter has been settled between us when it finally is.  
  
If we don�t follow these rules, we can�t collect the first $50 of the question ed amount, even if your bill was correct.  
Special Rule for Credit Card Purchases  
  
If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in g ood faith to correct the problem with the merc hant, you 
may have the right not to pay the remaining amount due on the property or services. There are two (2) limitations on this rig ht:  
(a) You must have made the purchase in your home state or, if not within your home state, within one hundred (100) m iles of your current mailing address; and  
(b) The purchase price must have been more than $50  
  
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or s ervices.  
  
  
   
M-118812 Effecti ve 06/15/2016