indicated in the notice to you, the change will apply to your existing account 
balance as well as future transactions. Either the Credit Union or you 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 
charges and other charges you owe under this Agreement. The 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 termination of this Agreement 
whether by you or the Credit Union. Failure to surrender your cards will result in a 
card recovery fee of $50 each, should you attempt to use the cards.

17. Copies of Documentation: You will be charged a fee for each copy of a draft 
or monthly statement that you request from us. The fee will be handled by the 
Credit Union as an adjustment to the account balance, not as a purchase and 
may not be charged a Finance Charge.

18. Effect of Agreement/Waiver: 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. The Credit Union 
can delay enforcing any of its rights any number of times without losing them.

19. Statements and Notices: You will receive a statement each month showing 
transactions on your account. You are responsible for your minimum monthly 
payment even in the event your statement is late or returned to the Credit Union. 
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.

20. Additional Benefits/Card Enhancements: 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 change them at any time.

21. Security Interest: If you give the Credit Union a specific pledge of savings 
by signing a separate pledge of savings for this account, your account will 
be secured by your pledged savings. To secure your account you grant us a 
purchase money security interest under the Uniform Commercial Code in 
any goods you purchase through the account. If you default, we will have 
the right to recover any of these goods that have not been paid for through 
our application of your payments in the manner described above. Collateral 
securing other loans with us may also secure this account.

22. DuPage Credit Union Inspire Cash Back Signature Program: Eligible 
Inspire Cash Back Signature accounts earn 3% cash back for every dollar spent on 
travel & entertainment purchases; up to a maximum spend of $10,000 annually. 
3% cash back for every dollar spent in restaurant purchases; up to a maximum 
spend of $6,000 annually. 2% cash back for every dollar spent in grocery stores, 
supermarkets, and wholesale clubs up to a maximum spend of $6,000 annually. 
2% cash back for every dollar spent in bookstores, including Amazon; up to a 
maximum spend of $6,000 annually. 1% on all other purchases; no maximum 
annual spend. $250 Inspire Cash Back Signature dollars are earned with $5,000 
net spend within the first 90 days of account opening. This will be paid as a 
statement credit to the account. (DuPage Credit Union Platinum Rewards 
cardholders do not qualify for the New Account 90-day $5,000 net spend 
earning bonus.) No cash back is earned for finance charges, fees, cash advances, 
convenience checks, payment of existing card balances, balance transfers and 
ATM transactions. Inspire Cash Back Signature dollars in this program converted 
to a statement credit cannot be used to satisfy any monthly minimum payment 
obligation on the cardholder account. Annual Spend Bonus: Inspire Cash Back 
Signature cardholders will earn a $250 anniversary bonus credit when you 
spend $50,000 in a year. Anniversary Bonus will be paid as a statement credit 
one month after annual anniversary. Cash back accrued each statement cycle 
will be available for redemption at statement close date. Cash back will expire 
(24 months) from account opening, and will expire on a rolling, first-in first-out, 
annual basis. For example: Any unredeemed cash back that you earned in 
October of 2017, will expire October 27, 2019. Cash back can be redeemed at  
a minimum of $25.

23. Military Lending Act (MLA): Important information for Covered Borrowers 
under the Military Lending Act, effective October 3, 2017. 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 my not 
exceed an annual percentage rate of 36 percent. 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 
specified credit transactions or accounts); and any participation fee charged 
(other than certain participation fees for a credit card account).

For more information, please contact DuPage Credit Union at 800-323-2611 to 
receive oral disclosures of the Military Lending Act disclosure and a description of 
the payment obligation. 

24. Consent To Contact: You give the Credit Union and third party vendors 
calling on our behalf, your consent to use automated technology to call or text 
you at the phone number(s) given by you, including your wireless number. This 
may be for offering products or services, potential fraud on your account or to 
collect any amounts you owe. Standard message and data rates may apply. You 
have the right to opt out of this consent at any time.

25. Your Billing Rights—Keep This Notice For Future Use: This notice contains 
important information about your rights and our responsibilities under the Fair 
Credit Billing Act.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dispute or 
errors need to be put in writing and sent to: DuPage Credit Union, ATTN: Card 
Services, PO Box 3930, Naperville, IL 60567. You can telephone us, but doing 
so will not preserve your rights. You may also contact us on the web: dupagecu.com 
sending a secure email by logging into your account on Online Banking at  
dupagecu.com. 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 item you are not sure about.

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 incorrect.

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, or report you as delinquent on 
that amount.
•  The charge in question may remain on your statement, and we may continue to 
charge you interest on that amount.
•  While you do not have to pay the amount in question, you are responsible for 
the remainder of your balance.
•  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 believe 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 without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, 
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 amount you 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 or services 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 be true:

1.  The purchase must have been made in your home state or within 100 miles 

of your current mailing address, and the purchase price must have been more 
than $50. (Note: Neither of these is necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the 
goods or services.)

2.  You must have used your credit card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses your credit card 
account do not qualify.

3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact us in writing at: DuPage Credit Union, ATTN: Card Services, PO Box 3930, 
Naperville, IL 60567. While we investigate, the same rules apply to the disputed 
amount as discussed above. After we finish our investigation, we will tell you our 
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.

USA PATRIOT ACT. To help the government fight the funding of terrorism and 
money laundering activities, Federal law requires all financial institutions to 
obtain, verify, and record information that identifies each person who opens an 
account. Pursuant to the FACT Act address changes will only be accepted via in 
person and by mail with proper Credit Union verification. State laws require the 
following notices: California Residents: Regardless of your marital status, you 
may apply for credit in your name only. Ohio Residents: Ohio anti-discrimination 
laws require creditors to make credit equally available to all creditworthy 
customers and that credit reporting agencies maintain separate credit histories 
on each individual upon request. The Ohio Civil Rights Commission administers 
these laws. Married Wisconsin Residents: No provision of any marital property 
agreement, unilateral statement, or court order applying to marital property will 
adversely affect a creditor’s interest unless, prior to the time credit is granted, the 
creditor is furnished with a copy of the agreement, statement or court order, or 
has actual knowledge of the provision. You acknowledge that you have received 
a copy of this Agreement that contains the Credit Union’s terms and conditions 
by signing or using the issued card(s). Information about the costs of the Credit 
Card Account described in this disclosure is accurate as of November 30, 2018. 
This information may have changed after this date. To find out what may have 
changed, please write to us at DuPage Credit Union PO Box 3930, Naperville, 
Illinois 60567-3930.

REV 11/18

DuPage Credit Union
Visa® Inspire Cash Back Signature
Truth-In-Lending Terms and Conditions

In this Agreement the words you and your mean each and all of those who sign 
or use the issued Visa Card. Card means a Visa Credit Card and any duplicates 
and renewals the Credit Union issues. Account means your Visa Credit Card line 
of credit account with the Credit Union. Credit Union, we, us, and our means the 
Credit Union whose name appears in this Agreement.

1. Using the Account/Credit Limit: You are approved for a Visa account. 
Signing and using your DuPage Credit Union Visa Card signifies acceptance of 
the following terms and conditions. You agree not to let your account balance 
exceed your approved credit limit. Each payment you make on the account will 
restore your credit limit by the amount of the payment which is applied to the 
principal amount of purchases and cash advances. You may request an increase in your 
credit limit by making a request to the Credit Union. The Credit Union has the right to 
reduce or terminate your credit limit at any time.

2. Responsibility: You agree to pay all charges (purchases, balance transfers and 
cash advances) to your Account that are made by you or anyone whom you 
authorize to use your Account. For example, you are responsible for charges made by 
yourself, your spouse and minor children. You are responsible for charges made 
by anyone else to whom you give the card, and this responsibility continues until 
the card is recovered. You cannot disclaim responsibility by notifying us, but we 
will close the account for new transactions if you so request and return all cards. 
If either party closes the account, the credit card(s) must be surrendered to the 
Credit Union. Should unauthorized use occur after the account is closed, the 
card will be picked up by a merchant, and you will be responsible for each $50 
card recovery fee. Your obligation to pay the account balance continues even 
though an agreement, divorce decree or other court judgment to which we are 
not a party may direct you or one of the other persons responsible to pay the 
account. Joint Account: Each of you will be individually and jointly 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 advances individually. Any one of you may terminate the Account and the 
termination will be effective to all of you.

3. Variable Annual Percentage Rate: Your standard variable Annual Percentage 
Rate (APR) for purchases, balance transfers and cash advances may increase or 
decrease quarterly. For each quarter, we determine the APR by adding a margin 
to the U.S. Prime Rate published in the Wall Street journal the last business day 
of the previous calendar quarter. When a change in the Prime Rate occurs, the 
resulting new APR’s will apply to balances on your account starting with your next 
monthly billing cycle.

4. Liability For Unauthorized Use/Lost Card Notification: You agree to notify 
us immediately, orally or in writing of the loss, theft or unauthorized use of your 
Credit Card. If your credit card is lost or stolen, you must notify us in writing at the 
address below or phone us. For stolen cards, include a copy of the police report. 
You will have no liability for unauthorized transactions made with your credit card, 
unless you are grossly negligent in handling of your card. This additional limit on 
liability does not apply to ATM transactions, which are not processed by Visa, or to 
commercial cards.

DuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 
60567-3930, Telephone Number 800-323-2611

5. Monthly Payment: Each month you must pay at least the minimum 
payment shown on your statement within 25 days of the statement closing 
date. You may, of course, pay more frequently, pay more than the minimum 
payment, or pay the Total New Balance in full. If you make extra payments or 
larger payments, you are still required to make at least the minimum payment 
each month your account has a balance. The minimum payment is 2% of 
the Total New Balance but not less than $25.00, plus the amount of any prior 
minimum payments that you have not paid. In addition, at any time your Total 
New Balance exceeds your credit limit, you must immediately pay the excess 
upon demand. If your account is subject to a Balance Transfer Fee, the fee 
as disclosed will be charged to your account in the month that the Balance 
Transfer is completed. This may increase your minimum monthly payment 
during the month that the Balance Transfer Fee is assessed.

6. Payment Allocation: Subject to applicable law, your minimum payment 
amount may be applied to what you owe the Credit Union in the following order: 
Finance charges, fees, previous promotional balance, balance cash, balance retail, 
cycle-to-date promotional, cycle-to-date cash, cycle-to-date retail. Any payment 
amount in excess of the minimum will be applied first to the card balance bearing 
the highest rate of interest, and then to each successive balance bearing the next 
highest rate of interest. If two or more balances have the same rate of interest,  
the older balance is paid first, until the payment is exhausted.

7. Finance Charges: In order to avoid a finance charge on Purchases made 
since your last statement date, you must pay the Total New Balance shown on 
your statement within 25 days of the statement closing date. Otherwise, finance 
charges on purchases are calculated from the beginning of the next statement 
period on previously billed but unpaid purchases and on new purchases from 
the date they are posted to your account. Cash advances are always subject 
to finance charge from the date of transaction. We figure the finance charge 
separately for purchases and cash advances on your account by applying the 
applicable periodic rate set forth below to the “average daily balance” of purchases 
(including current transactions), and to the “average daily balance” of cash advances 
(including current transactions). To get each “average daily balance”, we take the 
beginning balance each day, add any new purchases (if calculating the “average 
daily balance” for purchases), add any new cash advances (if calculating the 
“average daily balance” for cash advances), and subtract any payments or credits. 
This gives us the daily balance. Then, we add up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing cycle. This gives us 
the “average daily balance.”

8. Other Fees and Charges: Other fees and charges that will be added are as 
shown in the table to the right.

9. Cash Advance/Balance Transfer Information: Cash Advances/Balance Transfers 
are not subject to a grace period. DuPage Credit Union is not responsible for any 
merchant delays in processing transactions. Balance Transfers cannot be used to 
pay other DuPage Credit Union obligations. Balance Transfers and cash advances 
do not qualify to earn cash back. The Credit Union reserves the right to place a 
maximum limit for daily cash advance transactions. Accounts will be limited to 
two (2) cash advance transactions per 24-hour period. Cash Advances performed 
through an ATM have a daily maximum limit of $500 and will be limited to two (2) 
per 24-hour period. Single transaction maximum limit for cash advance withdrawal 
at a financial institution is 25% of your credit limit.

Cash Advance Fee: The fee will be added to the appropriate advance balance 
with the cash advance. (The amount of the cash advance may include a sur-
charge that the ATM owner imposes.)

10. Current DuPage Credit Union Visa Platinum Rewards Cardholders: Upon 
signing an application for a DuPage Credit Union Inspire Cash Back Signature Visa 
Credit Card, all of your existing Choice Rewards Points will be converted at 1% 
cash back and transferred to your new Inspire Cash Back Signature Card.

Upgrading From One DuPage Credit Union Credit Card Program to Another: 
Upon activating your new DuPage Credit Union Credit Card, your old credit card 
will be closed and any unpaid, promotional balances will be transferred to your new 
DuPage Credit Union Credit Card at the current purchase APR.

Visa® Inspire Cash Back Signature

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases

Annual Percentage Rate (APR)  
for Balance Transfers

APR for Cash Advances

12.74% to 21.74% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

12.74% to 21.74% based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.

14.74% to 23.74% based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest  
on Purchases

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.

Minimum Interest Charge

None

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.

Fees

Annual Fee

Transaction Fees

• Balance Transfer
• Cash Advance

• Foreign Transaction

Penalty Fees

• Late Payment
• Over-the-Credit-Limit
• Returned Payment

Other Fees

None

None
3% of the Cash Advance unless otherwise disclosed  
($5 minimum/$50 maximum fee)
None

Up to $25
None
Up to $25

• Returned Convenience Check
• Expedited Card Delivery
• Card Replacement

$25
$30
$10

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” If you fail to make two consecutive required payments on your account 
you will be considered in default and all Inspire Cash Back Signature dollars will be forfeited.

Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to 
us. Balance Transfers incur interest charges from the date of the transaction. The minimum Balance Transfer amount is $500. Allow at least 2 weeks for processing. If you have a 
dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any 
account issued by DuPage Credit Union.

11. 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 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 which the Credit Union believes may substantially 
reduce your ability to repay what you owe. When you are in default, the Credit 
Union has the right to demand immediate payment of your full account balance 
without notice. If immediate payment is demanded, you will continue to pay 
finance charges and fees until what you owe has been paid, and any savings 
that were given as security will be applied towards what you owe. We may enter 
into a contingent or hourly fee arrangement with an attorney and/or collection 
agency to collect the amounts you owe us and you agree that such arrangement 
is reasonable. This provision also applies to bankruptcy, appeals or post-judgment 
proceedings. You promise to pay all costs of collecting the amount you owe if 
your Visa account is in default. These costs will include reasonable attorney fees, 
court costs and/or collection agency fees and all other costs permitted under 
state law and regulation. If your account is charged off all balances will revert to 
the highest APR on the account. The Credit Union reserves the right to remove all 
unredeemed Inspire Cash Back dollars and block the account from earning future 
Inspire Cash Back dollars if you fail to make a required payment for two consecutive 
billing cycles, your account is not in good standing, your account is inactive for a 
6-month period of time, if the cardholder(s) are deceased, the Credit Union detects 
suspicious activity or the account is closed for any reason.

12. Using the Card: You may use the card issued to you to make purchases 
in person, and by mail or telephone from merchants and others who accept 
credit cards. In addition, you may obtain cash advances from the Credit Union, 
from other financial institutions participating in the Visa program, and from 
automated teller machines (ATM’s), such as Visa ATM network, that provide 
access to the Visa system. (Not all ATM’s provide such access.) You will need 
to use your Personal Identification Number (PIN) to obtain a cash advance 
from an ATM. Illegal Transactions: You will not use your DuPage Credit Union 
Visa Credit Card for any illegal transaction. Internet Gambling: You may use 
your card to purchase goods and services from participating merchants. 
However, you may not use your card to initiate any type of electronic gambling 
transaction through the Internet. Also, you agree that you will not use your card 
for any transaction that is illegal under applicable federal, state, or local law.

13. Returns and Adjustments: Merchants and others who honor the Card may 
give credit for returns or adjustments. If your credits and payments exceed what 
you owe us, we will hold and apply this credit balance against future purchases 
and cash advances, or if it is $1 or more, refund it on your written request or 
automatically after 6 months.

14. Merchant Disputes: The Credit Union is not responsible for the refusal of any 
merchant or financial institution to honor the 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 attempt but have been 
unable 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 
participated in sending to you; or (b) your purchase cost more than $50 and was 
made in your state or within 100 miles of your home.

15. Foreign Transactions: Purchases and cash advances made in foreign coun-
tries and foreign currencies will be billed to you in U.S. dollars. The exchange 
rate for transactions in a foreign currency will be the rate selected by Visa from 
the processing date, which rate may vary from the rate Visa itself receives or the 
government-mandated rate in effect for the applicable central processing date. 
The currency conversion 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.

16. Changing or Terminating Your Account: The Credit Union may change 
the terms of this Agreement from time to time after giving you any advance 
notice required by law. Your use of the card after receiving notice of a change 
will indicate your agreement to the change. To the extent the law permits, and