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                    Visa Application Agreement
               Home / Credit & Debit Cards / Visa Credit Cards / Visa Application 
                                    Agreement
           Visa Application Agreement
           CSE FEDERAL CREDIT UNION
           VISA CREDIT CARD AGREEMENT
           330�452�9801
           In this Agreement the words ?ou and ?our mean each and all of those who 
           appl? for the card or who sign this Agreement.  Card means the VISA Credit 
           Card and an? duplicates and renewals we issue.  Ever?one who receives, signs 
           or uses a card issued under this agreement must be a member of this Credit 
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           Union.  Account means ?our VISA Credit Card Line of Credit account with us. 
            We, us and ours means this Credit Union.
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           B? clicking Agree and Continue, ?ou acknowledge that ?ou have read the CSE Visa 
           Disclosure and Card Agreement.                                 ?
               Agree & Continue                                          ?
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          Aa Aa Aa   ?
               Printable Version
          How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? How Can We Help You? ? ? ? ? ? ? ? ? ? ? ? ? ? ?
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            CSE Visa Disclosure
           CREDIT DISCLOSURES
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           Interest Rates and Interest Charges
           ANNUAL 
           PERCENTAGE 
           RATE (APR) for 
                          3.99% introductor? APR for a period of 6 billing c?cles 
           Qualified 
                          from date of purchase within the first 90 da?s. After that, 
           Purchases & 
                          8.25% - 18.00%, based on ?our creditworthiness.
           Balance Transfers 
                �
           � Visa  MORe 
                  �
           Rewards
           ANNUAL 
           PERCENTAGE 
           RATE (APR) for  5.99% introductor? APR for a period of 6 billing c?cles 
           Qualified      from date of purchase within the first 90 da?s. After that, 
           Purchases &    8.25% - 18.00%, based on ?our creditworthiness.
           Balance Transfers 
                �
           � Visa  Platinum
           ANNUAL 
           PERCENTAGE 
           RATE (APR) for                                                ?
           Cash Advances �  8.25% - 18.00% based on ?our creditworthiness.
               �
           Visa  Platinum &                                              ?
               �
           Visa  MORe 
                  �                                                       ?
           Rewards
           Penalty APR    NONE
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           Paying Interest Your due date is at least 25 da?s after the close of each 
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          Aa Aa Aa   ?    billing c?cle. We will not charge ?ou interest on purchases 
                          if ?ou pa? ?our entire balance b? the due date each 
                          month. We will begin charging interest on cash advances 
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                          and balance transfers on the transaction's date.
           For Credit Card                                                ?
                          To learn more about factors to consider when appl?ing or 
           Tips from the 
                          using a credit card, visit the website of the Consumer  ?
           Consumer 
                          Financial Protection Bureau at 
           Financial 
                          https://www.consumerfinance.gov/learnmore
           Protection Bureau
           Fees
                � Annual Fee           NONE
           Transaction Fees
                � Balance Transfer     NONE
                � Cash Advance         NONE
                � Foreign Transaction  1% of each transaction in U.S. Dollars.
                � Currency Conversion  1% of each transaction in U.S. Dollars.
           Penalty Fees 
                                       up to a maximum of $25.00
                � Late-Payment
                                       None
                � Over-the-credit-limit
                                       up to a maximum of $25.00
                � Returned Payment
           How We Will Calculate Your Balance: We use a method called "average dail? 
           balance (including current transactions)."  See ?our account agreement for  ?
           more details.
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           Billing Rights: Information on ?our rights to dispute transaction and how to 
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           exercise those rights is provided in ?our account agreement.
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          Aa Aa Aa   ?
           Visa Credit Card Agreement (Keep this for ?our 
                                                                          ?
           records)
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                1. The Annual Percentage Rate (APR) for Purchases is fixed, based on ?our 
                  creditworthiness.                                       ?
                2. The Annual Percentage Rate (APR) for Cash Advances is fixed, based on 
                  ?our creditworthiness.
                                                              th
                3. Late Fee: If the minimum required pa?ment is not received b? the 26 of 
                  ever? month a late charge of a maximum of $25.00 will be imposed.
                4. Average Daily Balance (including current transactions): We figure the 
                  interest charge on ?our account b? appl?ing the periodic rate to the 
                  �average dail? balance� of ?our account. To get the �average dail? balance� 
                  we take the beginning balance of ?our account each da?, add an? new 
                  [purchases/advances/fees], and subtract [an? unpaid interest or other 
                  finance charges and] an? pa?ments or credits. This gives us the dail? 
                  balance. Then, we add up all the dail? balances for the billing c?cle and 
                  divide the total b? the number of da?s in the billing c?cle. This gives us the 
                  �average dail? balance.�
                5. Responsibility. If we issue ?ou a card, ?ou agree to repa? all debts and the 
                  FINANCE CHARGE arising from the use of the card and the card account. 
                  For example, ?ou are responsible for charges made b? ?ourself, ?our spouse 
                  and minor children or an? other authorized user. You are also responsible 
                  for charges made b? an?one else to whom ?ou give the card, and this 
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                  responsibilit? continues until the card is recovered. You cannot disclaim 
                  responsibilit? b? notif?ing us, but we will close the account for new 
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                  transactions if ?ou so request and return all cards. Your obligation to pa? the 
                  account balance continues even though an agreement, divorce decree or 
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                  other court judgment to which we are not a part? ma? direct ?ou or one of 
                  the other persons responsible to pa? the account. An? person using the card 
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                  is jointl? responsible with ?ou for charges he or she makes. If that person 
                  signs the card he or she becomes a part? to this Agreement and is also 
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                  jointl? responsible for all charges on the account including ?ours.
                6. Lost Card Notification and Liabilit? for Unauthorized Use:
                  If ?ou notice the loss or theft of ?our credit card or a possible unauthorized 
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                  use of ?our card, ?ou should write to us immediatel? at:
                                  CSE Federal Credit Union                ?
                                 1380 Market Avenue North
                                                                          ?
                                    Canton, OH  44714
                  Or call us at 330�452�9801 or after Credit Union hours call 1�866�273�
                  3281.
                  You will not be liable for an? unauthorized use that occurs after ?ou notif? 
                  us. You ma?, however, be liable for unauthorized use that occurs before 
                  ?our notice to us. In an? case, ?our liabilit? for transactions on a lost or 
                  stolen Visa card is $0.00 unless the Credit Union determines that the 
                  Cardholder was negligent or fraudulent in the handling of the account or 
                  card.
                7. Credit Line. If we approve ?our application, we will establish a self�
                  replenishing Line of Credit for ?ou and notif? ?ou of its amount when we 
                  issue the card. Your Line of Credit for cash advances will be one�half of the 
                  overall credit limit established for ?ou. This Line of Credit for cash advances 
                  is part of not in addition to ?our established Line of Credit.  You agree not to 
                  let the account balance exceed this approved Credit Line. Each pa?ment ?ou 
                  make on the account will restore ?our Credit Line b? the amount of the 
                  pa?ment which is applied to the principal. You ma? request an increase in 
                  ?our Credit Line onl? b? written application to us, which must be approved 
                  b? a loan officer. B? giving ?ou written notice, we ma? reduce ?our Credit 
                  Line from time to time, or with good cause, revoke ?our card and terminate 
                  this Agreement. Good cause includes ?our failure to compl? with this 
                  Agreement, or our adverse reevaluation of ?our creditworthiness. You ma? 
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                  also terminate this Agreement at an? time, but termination b? either of us 
                  does not affect ?our obligation to pa? the account balance.
                  The cards remain our propert? and ?ou must recover and surrender to us all  ?
                  cards upon request.
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                8. Copy Received. You acknowledge a receipt of a cop? of this Agreement.
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                9. Credit Information. You authorize us to investigate ?our credit standing 
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          Aa Aa Aa   ?
                  when opening, renewing or reviewing ?our account, and ?ou authorize us to 
                  disclose information regarding ?our account to credit bureaus and other 
                  creditors who inquire of us about ?our credit standing, to the extent 
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                  authorized b? our B?�Laws.
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               10. Monthly Payment. We will mail ?ou a statement ever? month showing ?our 
                  Previous Balance of purchases and cash advances, the current transactions 
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                  on ?our account, the remaining credit available under ?our Credit Line, the 
                  New Balances of purchases and cash advances, the Total New Balance, the 
                  FINANCE CHARGE due to date, an? other billed fees, and the Minimum 
                  Pa?ment required.
                  Ever? month ?ou must pa? at least the Minimum Pa?ment b? the Pa?ment 
                  Due Date. You ma?, of course, pa? more frequentl?, pa? more than the 
                  minimum pa?ment, or pa? the Total New Balance in full�and ?ou will 
                  reduce the FINANCE CHARGE b? doing so. The Minimum Pa?ment will be 
                  (a) 2% of ?our Total New Visa Balance, or $25.00 whichever is greater, or (b) 
                  ?our Total New Balance, if it is less than $25.00 plus (c) an? portion of the 
                  Minimum Pa?ment(s) shown on prior statement(s) which remains unpaid.
                  We will appl? an? pa?ments we receive from ?ou in excess of the Minimum 
                  Pa?ment due to the balance with the highest annual percentage rate and 
                  an? remaining portion to the other balances in descending order from the 
                  highest APR based on the applicable APR in accordance with the law.
               11. Default. You will be in default if ?ou fail to make an? Minimum Pa?ment 
                  within 25 da?s after ?our monthl? statement closing date. You will also be in 
                  default if ?our abilit? to repa? us is materiall? reduced b? a change in ?our 
                  emplo?ment, an increase in ?our obligations, bankruptc? or insolvenc? 
                  proceedings involving ?ou, ?our death or ?our failure to abide b? this 
                  Agreement, or if the value of our securit? interest materiall? declines. We 
                  have the right to demand immediate pa?ment of ?our full account balance if  ?
                  ?ou default, subject to our giving ?ou an? notice required b? law. To the 
                  extent permitted b? law, ?ou will also be required to pa? our collection 
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                  expenses, including court costs and reasonable attorne?s� fees.
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               12. Using the Card. To make a purchase or cash advance, present the card to a 
                  participating VISA  merchant, to us or, to another financial institution, and  ?
                  sign the sales slip or cash advance draft. You ma? also use ?our Personal 
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          Aa Aa Aa Identification Number (PIN) in conjunction with the card in an Automated  ?
                  Teller Machine or other t?pe of electronic terminal. You will retain ?our 
                  cop? of sales drafts, cash advance or credit slips to verif? ?our transactions 
                  with the monthl? statement. We reserve the right to make a reasonable 
                  charge for photocopies of slips ?ou ma? request. A card may not be used for 
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                  illegal transactions such as Online Internet Gambling.
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               13. Personal Identification Number. To obtain a Personal Identification Number 
                  (�PIN�) for use with ?our Card in accessing ?our line of credit at automatic 
                                                                          ?
                  teller machines (�ATM�s�), contact PIN Now, at 1�888�891�2435. PIN 
                  numbers are issued to ?ou for securit? purposes. These numbers are 
                  confidential and should not be disclosed to third parties. You are 
                  responsible for safekeeping ?our PIN. You agree not to disclose or 
                  otherwise make available ?our PIN to an?one not authorized to sign on ?our 
                  Accounts. If ?ou authorize an?one to use ?our PIN that authorit? shall 
                  continue until ?ou provide us with express revocation of that authorit?. If 
                  ?ou fail to maintain ?our PIN securit? and we sustain a loss, we ma? 
                  terminate all services on ?our Accounts immediatel?. To keep your Account 
                  secure, do not write your PIN on your Card or keep it in the same place as 
                  your Card.
               14. Returns and Adjustments. Merchants and others who honor the Card ma? 
                  give credit for returns or adjustments. We will post these to ?our account. If 
                  ?our credits and pa?ments exceed what ?ou owe us, we will hold and appl? 
                  this credit balance against future purchases and cash advances, or if it is $1 
                  or more, refund it on ?our written request or automaticall? after 6 months.
               15. Foreign Transactions. Purchases and cash advances made in foreign 
                  countries and foreign currencies will be billed to ?ou in U.S. dollars. The 
                  conversion rate to dollars will be at (1) the wholesale market rate or (2) the 
                  government mandated rate, whichever is applicable, in effect one da? prior 
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                  to the processing date, increased b? one percent.
               16. Security Interest. To secure ?our account, ?ou grant us a purchase mone?  ?
                  securit? interest under the Uniform Commercial Code in an? goods ?ou 
                  purchase through the account. If ?ou default, we will have the right to  ?
                  recover an? of these goods which have not been paid for through our 
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                  application of ?our pa?ment in a manner described in paragraph 10. Your 
                  Account is secured b? all other shares ?ou have in an? individual or joint 
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          Aa Aa Aa account with the Credit Union, except for shares in an Individual Retirement  ?
                  Account or in an? other account that would lose special tax treatment under 
                  state or federal law if given as securit?. These other shares ma? be 
                  withdrawn if ?ou are in default under this agreement. You authorize the 
                  Credit Union to appl? the balance in ?our individual or joint share accounts 
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                  to pa? an? amounts due on ?our Account if ?ou should default.
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               17. Effect of Agreement. This Agreement is the contract which applies to all 
                  transactions on ?our account even though the sales, cash advance, credit or 
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                  other slips ?ou sign or receive ma? contain different terms. We ma? amend 
                  this Agreement from time to time b? sending ?ou a 45 da? advance written 
                  notice required b? law. Your use of the card thereafter will indicate ?our 
                  agreement to the amendments. To the extent the law permits, and we 
                  indicate in our notice, amendments will appl? to ?our existing account 
                  balance as well as to future transactions. You have the right to reject a 
                  change in terms prior to the effective date thereof b? calling us toll free at 
                  1�866�273�3281 or b? mailing us at: 1380 Market Ave North Canton Ohio 
                  44714. In such case, ?our account will be terminated or suspended and no 
                  further credit will be available to ?ou. You will remain liable to pa? the 
                  balance then due under the existing terms. The right to reject a change in 
                  terms does not appl? if we have not received a required minimum pa?ment 
                  within 60 da?s after the due date for that pa?ment.
               18. Changing or Terminating Authorized Users. Upon ?our request, we ma? 
                  issue additional cards for authorized users that ?ou designate. You must 
                  notif? us in writing of an? termination of an authorized user�s right to access 
                  ?our account. Your letter must include the name of the authorized user and 
                  ?our account number and/or an? subaccount number issued to the 
                  authorized user along with the authorized user�s card and an? convenience 
                  or other access checks issued to the authorized user. If ?ou cannot return 
                  the authorized user�s card or access checks and if ?ou request ?our account 
                  to be closed, we will close out ?our VISA Account and issue ?ou a new card. ?
               19. Using VISA Convenience Checks. From time to time, we ma? issue You  ?
                  VISA Convenience Checks for use as ?ou would use a VISA Card to make a 
                  purchase or pa?ment or to receive cash. Your VISA Convenience Checks  ?
                  directl? access ?our VISA Account. All VISA Convenience Checks paid b? us 
                  are treated as Cash Advances hereunder and, except as otherwise indicated,  ?
                  are subject to all terms of this Agreement pertaining to Cash Advances and 
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          Aa Aa Aa to the following additional terms: ?
                       ? VISA Convenience Checks cannot be ordered b? members of 
                        CSE Federal Credit Union.
                       ? The Minimum VISA Convenience Check amount is $100.00.
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                       ? No VISA Convenience Check ma? be used to make a pa?ment 
                        on ?our VISA Account or an? other CSE loan obligation.
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                       ? Onl? the person whose name appears on a VISA Convenience 
                        Check ma? use them.
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                       ? VISA Convenience Checks must be written in U.S. Dollars.
                       ? Convenience Checks ma? not be certified.
                       ? We ma? return a VISA Convenience Check unpaid if there is 
                        not enough available credit on ?our Account to pa? it, if ?our 
                        Account is in Default, or if a Card or an? VISA Convenience 
                        Checks have been reported lost or stolen.
           Your Billing Rights
           This notice contains important information about ?our rights and our 
           responsibilities under the Fair Credit Billing Act.
           Notif? us In Case of Errors or Questions About Your Bill  
           If you think there is an error on your statement, write to us at:
           CSE Federal Credit Union
           1380 Market Ave N
           Canton, OH  44714
           In your letter, give us the following information:            ?
                � Account information: Your name and account number.         ?
                � Dollar amount: The dollar amount of the suspected error.        
                � Description of Problem: If ?ou think there is an error on ?our bill, describe  ?
                  what ?ou believe is wrong and wh? ?ou believe it is a mistake.
                � You must contact us within 60 da?s after the error appeared on ?our  ?
                  statement.    
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          Aa Aa Aa � At least 3 business da?s before an automated pa?ment is scheduled, if ?ou  ?
                  want to stop pa?ment on the amount ?ou think is wrong.
                �  You must notif? us of an? potential errors in writing [or electronicall?]. You 
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                  ma? call us, but if ?ou do we are not required to investigate an? potential 
                  errors and ?ou ma? have to pa? the amount in question.
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           When we receive your letter, we must do two things:
                1. Within 30 da?s of receiving ?our letter, we must tell ?ou that we received 
                  ?our letter. We will also tell ?ou if we have alread? corrected the error.
                2. Within 90 da?s of receiving ?our letter, we must either correct or explain to 
                  ?ou wh? we believe the bill is correct.
           While we investigate whether or not there has been an error, the following 
           are true:
                � We cannot tr? to collect the amount in question, or report ?ou as delinquent 
                  on that amount.
                � The charge in question ma? remain on ?our statement, and we ma? continue 
                  to charge ?ou interest on that amount. But, if we determine that we made a 
                  mistake, ?ou will not have to pa? the amount in question or an? interest or 
                  other fees related to that amount.
                � While ?ou do not have to pa? the amount in question, ?ou are responsible 
                  for the remainder of ?our balance.
                � We can appl? an? unpaid amount against ?our credit limit.
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           After we finish our investigation, one of two things will happen:
                                                                         ?
                � If we made a mistake: You will not have to pa? the amount in question or 
                  an? interest or other fees related to that amount.      ?
                � If we do not believe there was a mistake: You will have to pa? the amount in 
                  question, along with applicable interest and fees. We will send ?ou a  ?
                  statement of the amount ?ou owe and the date pa?ment is due. We ma? 
                  then report ?ou as delinquent if ?ou do not pa? the amount we think ?ou  ?
          Aa Aa Aa   ?
                  owe.
           If ?ou receive our explanation but still believe ?our bill is wrong, ?ou must 
                                                                          ?
           write to us within 10 da?s telling us that ?ou still refuse to pa?. If ?ou do so, we 
           cannot report ?ou as delinquent without also reporting that ?ou are  ?
           questioning ?our bill. We must tell ?ou the name of an?one to whom we 
                                                                          ?
           reported ?ou 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, ?ou do not have to pa? the first $50 
           of the amount ?ou question even if ?our bill is correct.
           Your Rights If You Are Dissatisfied With Your 
           Credit Card Purchases
           If ?ou are dissatisfied with the goods or services that ?ou have purchased with 
           ?our credit card, and ?ou have tried in good faith to correct the problem with 
           the merchant, ?ou ma? have the right not to pa? 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 ?our home state or within 100 miles 
                  of ?our current mailing address, and the purchase price must have been 
                  more than $50. (Note: Neither of these are necessar? if ?our purchase was 
                  based on an advertisement we mailed to ?ou, or if we own the compan? that 
                  sold ?ou the goods or services.)                       ?
                2. You must have used ?our credit card for the purchase. Purchases made with 
                  cash advances from an ATM or with a check that accesses ?our credit card 
                                                                         ?
                  account do not qualif?.
                3. You must not ?et have full? paid for the purchase.
                                                                          ?
                                                                         ?
           If all of the criteria above are met and you are still dissatisfied with the 
                                                                          ?
          Aa purchase, contact us in writing [or electronically] at: Aa Aa ?
           CSE Federal Credit Union
                                                                          ?
           1380 Market Ave N
           Canton, Ohio 44714                                             ?
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           While we investigate, the same rules appl? to the disputed amount as 
           discussed above. After we finish our investigation, we will tell ?ou our decision. 
           At that point, if we think ?ou owe an amount and ?ou do not pa? we ma? 
           report ?ou as delinquent.
           Pledge of Shares
           B? using Apple Pa?, ?ou are granting us a securit? interest in an? of ?our share 
           accounts with us to secure pa?ment of ?our Visa Account.  You authorize us to 
           appl? an? funds in ?our share accounts to the balance owing on ?our Visa 
           Account if ?ou should default.
           B? clicking Agree and Continue, ?ou acknowledge that ?ou have read the CSE Visa 
           Disclosure and Card Agreement.
               Agree & Continue
               Printable Version
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          Aa Aa Aa   ?    CSE Routing & Transit Number: 241274459
                            Canton Branch / Operations
                                  1380 Market Ave N                       ?
                                  Canton, OH 44714
                                                                          ?
                                Lake Cable Branch                         ?
                                  5414 Fulton Dr NW
                                  Canton, OH 44718
                                Meyers Lake Branch
                                 1235 Whipple Ave NW
                                  Canton, OH 44708
                               North Canton Branch
                                 6879 Whipple Ave NW
                                North Canton, OH 44720
                        ?  Monda?�Frida?: 8am�6pm Saturda?: 9am�3pm
             ?  Phone: (330) 452-9801 Toll Free: 866�CSEFCU1 TellerPhone 24:  (330) 452-9802
                         See Location Details   Contact Us
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          Aa Aa Aa   ?
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