Billing Rights: Information on your rights to dispute transactions and 
how to exercise those rights is provided at the end of the Account 
Regulations below. 

1. Responsibility: If you apply for and receive a Card from us, you 
agree to these Regulations. You also agree to repay all debts and 
any Finance Charges or any other fees or charges arising from use 
of the Cards and the Card account. For example, you are respon-
sible for any charges made by yourself and anyone else to whom 
you give the Card. This responsibility continues until you recover 
and return the Card to us. Except to the extent permitted by law, 
you cannot disclaim your responsibility for such charges by notify-
ing us, and your responsibility 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 held responsible under 
the Account to pay the Account. Any person using the Card shall be 
jointly responsible with you for the charges made, and if that person 
signs the card, and receives a copy of these Regulations, he or she is 
also responsible for all charges on the Account, including yours.

2. Credit Line: We will establish a maximum credit limit for your 
Account (“Credit Line”) and advise you of its amount. You agree 
not to let the Account balance exceed the Credit Line, but you 
remain responsible for payment if it does. Any Account balance in 
excess of the Credit Line is payable immediately. We reserve the 
right to reduce your Credit Line, from time to time, or to revoke 
your Card, without affecting your obligation to pay all Account 
balances. Maximum cash advance is 50% of your credit limit. The 
Cards remain our property, and if we request, you must recover and 
surrender to us all Cards we issued on your Account.

3. Use of the Card: To make a purchase or cash advance, present the 
Card to an authorized plan member or financial institution and sign 
the sales or cash advance draft that will be imprinted with your Card. 
You may also obtain a cash advance with the Card at certain automated 
terminals. Regular transactions are counted against your Credit Line. 
You will receive a copy of the draft (or machine receipt at a terminal 
at which there is no attendant), which you should retain to verify your 
monthly statement. We reserve the right to make a reasonable charge 
for photostatic or duplicate copies of drafts or machine receipts you 
may request. Your Card may not be used for any transaction that is ille-
gal under Federal, State or local law. Also, your Card may not be used 
for any Gambling including Internet Gambling.

4. Convenience Checks: We may, from time to time, supply you 

with personalized Convenience Checks that are subject to the fol-
lowing conditions. Only the person whose name is printed on a 
Convenience Check may sign it. All Convenience Checks must be 
written in U.S. dollars. We will not certify a Convenience Check. 
We are entitled to return a Convenience Check unpaid if there is 
not enough available credit on your Account to pay for it, if you 
are in default under these Regulations, if your Card or Convenience 
Check has been reported lost or stolen, if your Convenience Check 
is postdated, if your right to use Convenience Checks has been can-
celled or suspended, or if your Account has been closed. In addi-
tion, we may refuse to honor a Convenience Check whenever we 
would be entitled to dishonor an ordinary check. If we refuse, under 
the terms of these Regulations, to honor a Convenience Check 
issued by you, we may charge your Account a NSF fee. Check our 
website, landmarkcu.com, or a fee schedule in any branch for cur-
rent fee. A Convenience Check cannot be used to make a payment 
on any Landmark Credit Union VISA® Account.

Any Convenience Check that we pay will be posted to your 
Account as a cash advance and will be subject to all the terms 
in these Regulations that apply to cash advances. We shall have 
no liability for any Convenience Check that we return because it 
was written for an amount in excess of your available Credit Line. 
Convenience Checks that you use and we pay will not be returned 
to you but will be identified on your monthly billing statement. 
The Wisconsin Uniform Commercial Code, as well as applicable 
Landmark Credit Union policies and fees, will apply to Convenience 
Checks as if they were checks drawn on a checking Account.

5. Cash Back Program: Earn Cash Back on purchases made with 
your Platinum Cash Back VISA® Card. The Cash Back amount will 
be determined as follows:

For Purchases 

Up to $9,999.99 
 $10,000.00 and over 

Cash Back will be
1%
1.25%

There is no maximum on your Cash Back. The Cash Back period will 
reset  each  year,  on  January  1.  Cash  Back  will  accrue  monthly  and 
the total amount accrued will be shown on each monthly statement. 
You  may  check  your  available  Cash  Back  or  request  a  payout  at 
www.scorecardrewards.com. The minimum redeemable Cash Back 
amount  is  $50.00.  Cash  Back  may  be  applied  to  your  outstanding 
credt card balance or deposited into your Landmark savings account.

Restrictions  on  Cash  Back.  Cash  Back  is  not  available:  1)  on  cash 

advances  and  Convenience  Checks,  2)  on  any  purchases  that  exceed 
your  available  credit  limit,  3)  on  any  business  purpose  purchases,  4) 
upon your account being closed for any reason, 5) past due or charged 
off accounts. We reserve the right to discontinue providing you with Cash 
Back if you use your Card for other than consumer or personal purposes.
We reserve the right to cancel this Cash Back program at any time.

6. Finance Charge: Starting the first billing period after expiration 
of the Introductory Rate, your Account will be subject to a Finance 
Charge during any billing period during which you (a) received, 
or had outstanding, a cash advance; or (b) failed to pay in full the 
previous balance shown on the statement during the first 27 days of 
the statement (the “Grace Period”). 

Your Landmark Platinum Cash Back Visa® Finance Charge is 
calculated by applying the Monthly Periodic Rate, determined as 
set forth in Section 7 of these Regulations, to the “average daily 
balance” of your Account. To get the “average daily balance,” we 
take the beginning balance of the Account each day, reduced by 
any payment you make, credits we apply, and any late payment fee 
due, and increased by any cash advances and, if the previous bal-
ance was not paid in full during the Grace Period, all new credit 
purchases posted through that date. This gives us the daily balance. 
Then we add all the daily balances for the billing period together 
and divide the total by the number of days in the billing period. 
This gives us the “average daily balance.” All accounts are subject 
to a Minimum Finance Charge of $1.00.

You can avoid incurring a Finance Charge on purchases by pay-
ing the New Balance in full within the Grace Period. However, a 
Finance Charge will be imposed on cash advances from the date 
made (on Convenience Checks from the date cleared), and will 
continue to accrue on any cash advances or Convenience Checks 
until your payment is received. If a minimum payment or any 
portion thereof is past due by more than 60 days, your Monthly 
Periodic Rate will increase to 2.499% (Annual Percentage Rate of 
29.99%). This Penalty Rate will be effective following any notice 
and waiting period required by law. Your Monthly Periodic Rate of 
2.499% (Annual Percentage Rate of 29.99%) will remain on your 
Account until your Account has been paid on time and with no other 
event of default for three (3) consecutive billing periods after applica-
tion of the Penalty Rate, at which point it will return to the Variable 
Rate determined as set forth in Section 7 of these Regulations.

7. Variable Rate: Your Monthly Periodic Rate and corresponding 

Annual Percentage Rate may vary. Your Monthly Periodic Rate is 
determined by adding a margin of 11.65% to the Prime Rate pub-
lished in the Wall Street Journal on the first business day of the 
calendar month preceding the month in which the billing period in 
which the rate will apply begins. 

8. Monthly Payment: Unless there has been no activity on your 
Account since your last statement and your Account shows a zero 
balance, we will mail you a statement for every billing period, 
showing your previous balance, the current transactions on your 
Account, the remaining credit available under your Credit Line, the 
applicable Monthly Periodic Rate, the fees and Finance Charge, 
the new balance, and the minimum payment due. Every billing 
period you must pay at least the minimum payment by its due date. 
You may pay more than the minimum or pay the new balance in 
full, which may reduce or avoid the Finance Charge. The mini-
mum payment will be 2.0% of your new balance, or $25.00, which-
ever is greater, or your full new balance if it is less than $25.00. 
We will apply your payment first to the Finance Charge then to 
your unpaid balance in the order transactions were posted to your 
Account. If a different Annual Percentage Rate applies to different 
balances, any payment above the minimum payment will be applied 
to the balance bearing the highest Annual Percentage Rate. A 
minimum payment is required for every billing period and any addi-
tional amount paid will reduce your balance but will not prepay any 
future minimum payment.

9. Default: You will be in default if (i) your violation of any 
requirement of these Regulations materially impairs the condi-
tion, value or protection of our right to any collateral securing 
your obligations under these Regulations or your ability to pay the 
obligations due under these Regulations; or (ii) you fail to make 
the minimum payment on or before the due date two times during 
any 12-month period. You will also be in default if your ability 
to repay us or the value or protection of our right in any collateral 
securing your obligations is materially impaired in the event you 
or your spouse die, change marital status, change marital domicile, 
or become the subject of bankruptcy or insolvency proceedings. If 
you are in default, we have the right to demand immediate payment 
of your full Account balance and commence legal action to recover 
collateral or reduce the claim to a judgment, if you do not cure your 
default within 15 days after we mail you a written default notice.
10. Security Interest: : Each purchase and cash advance through your 
Account constitutes a transaction pursuant to an open-end credit plan 
in the State of Wisconsin. You agree that the Wisconsin Consumer 

Act applies to all these transactions even though you may use them 
for business purposes or you are a person not otherwise governed by 
the Act. To secure each transaction, you grant us a purchase-money 
security interest under the Uniform Commercial Code in any goods 
you purchase with it. If you default, we will have the right to recover 
any of these goods, which have not been paid for in full. 

For purposes of determining the amount of the unpaid balance 
secured by our security interest, your payments will be deemed 
to have been applied first to payment of finance charges in order 
of their entry to the account and then to payment of the respec-
tive amounts financed in the order in which the entries were made 
and, for transactions made on the same day, the smallest shall be 
deemed the first paid. You are hereby granting us a security interest 
in all your funds in your present and future Landmark Credit Union 
deposit accounts, except IRAs and any other accounts exempted 
by state and federal law, to the full amount of your credit card 
indebtedness with us. Should you default under the terms of these 
Regulations, we may, at our sole option, subject to any notice and 
right to cure required by Wis. Stat. Sec. 425.105, at any time thereaf-
ter, exercise our right of set-off and apply any portion of, or the entire 
amount of, such funds toward payment of the outstanding indebted-
ness, and/or, we may exercise our right to refuse to allow withdrawal 
from such accounts to the full extent of the delinquent amount, all 
of which is subject to the restrictions contained in Section. 1026.13 
(d) (1) of federal Reg. Z. If you give, have given or will give us any 
other security interests for all your debts, your Account will also 
be secured by the property described in those security agreements 
(except your home and/or dwelling, home furnishings, appliances and 
clothing), including, if your balance exceeds $1,000 and except as 
otherwise expressly excluded herein, any real property.

11. Credits: If plan members who honor your Card give you credit 
for returns or adjustments, they will do so by sending us a credit 
slip that we will post to your Account. We will apply those credits 
first to offset your current purchases, and then to your previous 
balance. 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 refund it on your written request if it is $1.00 or 
more. We will make a good faith attempt to return to you any credit 
balance that remains in your Account for more than six months.

12. Plan member Disputes: We are not responsible for refusal 
of any plan member or financial institution to honor your Card 
or Convenience Check. You must resolve directly with the plan 

 
 
 
 
 
member any disputes regarding goods or services you purchase 
with the Card, unless: (a) your purchase was made in response to 
an advertisement we sent or participated in sending you, or (b) your 
purchase cost more than $50.00 and was made from a plan member 
in your state or within 100 miles of your home.

13. Foreign Transaction Fee: A transaction that takes place in 
a foreign country will be charged 1% of the US dollar amount 
whether the transaction was made in US dollars or was converted 
from a foreign currency. For transactions being converted from a 
foreign currency, Visa International will convert foreign currency to 
US dollars using either the government-mandated exchange rate or 
the wholesale exchange rate in effect one day before the date of the 
conversion, as applicable.  The exchange rate is increased by one 
percent (1%) if the conversion is made in connection with a charge 
to an account and decreased by one percent (1%) if the conversion 
is made in connection with a credit to an account. The date of con-
version by Visa may differ from the purchase date and the posting 
date identified in the monthly statement for your Account. You 
agree to pay charges and accept credit for the converted transaction 
amounts in accordance with the terms of this paragraph.

14. Unauthorized Use: You authorize us to pay from your Account 
all items reflecting credit purchases or cash advances made with 
the Card in spite of the absence of your signature on the draft or the 
lack of presentation of the Card. You may be liable for unauthorized 
use of your VISA® Platinum Card. However, YOU WILL NOT BE 
LIABLE FOR UNAUTHORIZED USE THAT OCCURS AFTER 
YOU NOTIFY US OF THE LOSS, THEFT, OR POSSIBLE 
UNAUTHORIZED USE OF YOUR CARD (Customer Service, 
P.O. Box 31535, Tampa, FL 33631-3535; VISA® Platinum Card 
Telephone for Customer Service and to list as Lost or Stolen please 
call 1-866-952-8199.) In addition, you will not be liable for unau-
thorized purchases with your VISA® Platinum Card if you have not 
been grossly negligent or fraudulent in handling or using your account 
or your Card. If you do not meet these conditions, or if the unauthor-
ized use was at an ATM, your liability will not exceed $50.00.

15. Effect of Regulations: These Regulations are the contract that 
applies to all transactions on your Account even though the sales, 
cash advances, or credit slips you sign may contain different terms. 
We may amend these Regulations from time to time. If required 
by Section 422.415, Wis. Stats., we will provide written notice of 
an amendment 90 days prior to the date the amendment is effec-
tive. Your use of the Card or Convenience Check thereafter will 

indicate your agreement to the amendments. To the extent the law 
permits, and we indicate in our notice, amendments will apply to 
your existing Account balance as well as to future transactions. No 
delay or omission in exercising any rights granted to us hereunder 
shall impair such rights or be construed to be a waiver thereof. No 
waiver whatsoever shall be valid unless signed in writing by us and 
then only to the extent set forth therein.

16. Fees and Charges:  (a) As permitted by Wisconsin Statues, a 
$25.00 late payment fee will be assessed against your Account if 
we do not receive your minimum payment on or before the due date 
set forth on your periodic statement; this amount may be reduced to 
$20.00 if the balance on your account at the time of the late fee is 
less than $1,000. (b) You will be charged a lost Card replacement 
fee of $10.00 for any lost Card which we must replace. To limit 
your personal liability, contact us immediately upon discovery of 
loss. (c) You will be provided one periodic statement per billing 
period and will be charged for each duplicate billing statement, 
draft, or machine receipt you request. Check our website, 
landmarkcu.com, or a fee schedule in any branch for the current 
fee. These fees will not be charged if the request is related to a 
billing error under the Fair Credit Billing Act. (d) There will be a 
$30.00 charge for each check presented in payment that is returned 
unpaid. (e) There will be a cash advance fee the greater of $5.00 or 
3% of the amount of the cash advance.  

17. Termination: If you are a resident of Wisconsin, our receipt of 
a written notice from your spouse terminating his or her liability for 
the Account will constitute an event of default if such termination 
materially impairs the condition, value or protection of our right to 
any collateral securing your obligations under these Regulations or 
your ability to pay the obligations due under these Regulations. You 
will remain responsible for all amounts charged to your Account 
both before and after receipt of such notice. Your privilege of using 
the Card and the Account shall expire on the date shown on the 
Card. You may terminate your Account relationship with us at any 
time by surrendering to us all your Cards and unused Convenience 
Checks, but you will remain liable to us for full payment of any 
balance on your Account. We may revoke your Card at any time 
without prior notification and without affecting your obligation to 
pay the Account balance.

18. Change of Address:  We will send all Account statements and 
any other notices concerning this Account to your address as shown 
in our records. If you change your address, you must notify us of 

your new address within a reasonable time.

19. Applicable State Laws:  The validity, construction, and enforce-
ment of these Regulations and all matters arising out of the issuance 
and use of the Card shall be governed by the laws of Wisconsin.

20. Joint Account:  You agree that all parties to your Account 
are authorized on your behalf to request credit limit increases, to 
agree to amendments or modifications to the Account, to enter 
into settlements or agreements with us regarding the Account, to 
request additional Cards, or to authorize others to transact business 
on the Account. You agree to be jointly and severally liable for all 
charges to the Account made or authorized by any other party to the 
Account, whether or not such charges caused the Account balance to 
exceed the Credit Limit.

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. Notify us in Case of 
Errors or Questions About Your Statement.

If you think your bill is incorrect, or if you need more information 
about a transaction on your bill, write us at the address listed on your 
bill. Write us as soon as possible. We must receive written notice from 
you no later than 60 days after the transaction date of the charge(s) in 
question. You can telephone us, but doing so will not preserve your 
rights. In your letter, provide the following information:

- Your name and Account number.

- The dollar amount of the suspected error.

- Describe the error and explain why you believe there is an error.

- If you need more information, describe the item not understood.

If you have authorized us to pay your bill automatically from your 
other Accounts with us, you can stop the payment on any amount you 
think is wrong. To stop the payment, your letter must reach us three 
business days before the automatic payment is scheduled to occur.

platinum

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 any 
unpaid amount against your credit limit. You do not have to pay any 
questioned amount while we are investigating, but you are responsible 
for the remaining balance of your bill that is 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 the questioned amount. If we 
did not make a mistake, you may have to pay Finance Charges, 
and you will have to make up any missed payments on the ques-
tioned 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 
amount 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 days telling us that you still refuse to pay, we must tell 
anyone we report to that you have a question about your bill. And, 
we must tell you the name of anyone to whom we report you. We 
must tell anyone we report you to that the matter has been settled 
between you and us when it finally is. If we do not follow these 
rules, we cannot collect the first $50.00 of the questioned 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 the 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 property or services. There are two 
limitations on this right: (a) You must have made the purchase in your 
home state, or if not, within 100 miles of your current mailing address; 
and (b) The purchase price must have been more than $50.00. These 
limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or service.

YOUR RIGHTS AND OUR RESPONSIBILITIES 
AFTER WE RECEIVE YOUR WRITTEN NOTICE.

11.65    5M

®

We must acknowledge your letter within 30 days, unless we have cor-
rected the error by then. Within 90 days, we must either correct the 

214                                                      i002157

     platinum Cash Back 
Credit Card Disclosure

LANDMARK CREDIT UNION
5445 S. Westridge Drive, P.O. Box 510870
New Berlin, WI 53151-0870
(262) 796-4500, x6609

If your card is lost or stolen, notify us 
immediately by calling: 1-800-325-3678

Credit Card Rules, Regulations, and Disclosures

Keep  This  Notice  for  Future  Use.  These  Regulations  are  effec-
tive as of March, 2014. In these Regulations, the words “you” and 
“your”  mean  each  and  all  of  those  who  applied  for  or  received,  or 
who signed and used, the Card.  The term “Card” means your VISA® 
Platinum Card issued by Landmark Credit Union and any duplicates 
or renewals we issue. “We,” “us” and “our” means Landmark Credit 
Union.  “Account”  means  your  Landmark  Credit  Union  VISA® 
Platinum Card account.

See insert for current rate and fee information.

How We Will Calculate Your Balance: We use a method called 
“average daily balance” (including new purchases. See Section 6 of 
the Account Regulations below for more details. 

Loss of Introductory APR: We may end your introductory APR 
and apply the Penalty APR if a minimum payment or portion there-
of is past due by more than 60 days.