� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00100968 -MXC20 -C-1-091819 (MXC201 -E)
 
CREDIT CARD 
ACCOUNT  
OPENING 
DISCLOSURE  
RURAL KING HARVEST VISA  
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Dis closure.  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases 0.00%  Introductory APR, on qualifying purchases made from a Rural Kin g
store for a period of six billing cycles from the date of the transaction.  
After that, or if you do not have a qualifying purchase,  
Your APR will be 18.00% .
APR for Balance Transfers  18.00%  
APR for Cash Advances  18.00%  
Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will 
not charge You any interest on purchases or balance transfers if You pay Your entire balance by the due date each month. We will begin charging 
interest on cash advances on the transaction date.  
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  
-Annual Fee None 
Transaction Fees  
-Foreign Transaction Fe e None 
  Penalty Fees  
-Late Payment Fee
-Returned Payment Fe eUp to $39.00 
Up to $39.00 
  
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details. 
Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. 
I
ntroductory APR: The Introductory APR for purchases will apply to qualifying transactions posted to your account.  A qualifying transaction is a purchase of $299.00 or more made at a Rural King store and Your selection of the 0.00% Introductory APR. The Introductory APR cannot be combined with any Cashback offer.  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00100968 -MXC20 -C-1-091819 (MXC201 -E)
 Military L ending Act D isclosures: 
Federal law provides important protections t o members of t he Arm ed Forces and their dependents relati ng to extensions 
of consumer credit. In general, the cost of consumer credit t o a member of t he Arm ed Forces and his or her dependent 
may n ot ex ceed an annual percentage rat e of 36 percent. T his rate must i nclude, as a pplicable t o the c redit t ransaction or 
account: T he costs associated with credit insuranc e premiums; fees f or anc illary products s old in connection with the 
credit t ransaction; any application f ee charged ( other t han certain ap plication f ees f or specified c redit t ransactions or 
accounts); an d any participation fee charged (other t han certain participation fees f or a credit c ard account). 
Pleas e call us at 844- 898-8486 to receive oral disclosures of t he Military Lendin g Act disclosur e above and a description 
of the payment obligation.  
Other F ees & D isclosures: 
Late Payment F ee: 
$28.00 or th e amount of th e require d minimum payment, whichever is  less, if Your payment is not receive d by the next 
statement c losing date. T he statement c losing date m ay vary by  month f rom 2- 4 days after Your p ayment due date. I n the 
event You fail to make a payment on time in any of t he six bi lling cycles f ollow ing the initial l ate payment, Y ou will be 
charged $39.0 0 or t he amount of t he require d minimum payment, whichever is less. If Your Account is subject t o a Late 
Payment F ee, the fee will be charged t o Your Account w hen You do not m ake the required m inimum payment bef ore the 
next s tatement c losing date. 
Returne d Payment F ee: 
$28.00 or t he am ount of t he required m inimum pa yment, whichever is l ess. I n the ev ent a payment i s returned in t he same 
or in any of t he six billin g cycles  followin g the initial returned payment, Y ou will b e charg ed $39. 00 or th e amount of the 
required minimum pa yment, w hichever i s less. I f Your A ccount i s subject t o a Returned Payment F ee, the fee will b e 
charged t o Your Account w hen a payment i s returned for an y reason. 
Card Replacement F ee: 
$5.00. I f Your Account is  subject to a Car d Replacement Fee, a f ee will b e char ged for e ach replacement Card that is 
issued t o You for an y reason. 
Rush Fee: 
$35.00. I f Your Account is s ubject t o a Rush Fee, except as l imited by a pplicabl e law, a fee may b e charged t o Your 
Account f or each rush Card t hat You request, providing t hat de livery of t he Card is als o availabl e by standar d mail s ervice, 
without paying a fee for d elivery. 
Statement C opy F ee: 
$3.00 per document. If Your Account is subject t o a Statement Copy Fee, except as limit ed by applicabl e law a nd when 
the request i s made in connectio n with a billing error made by t he C redit U nion, a fee may  be charged t o Your A ccount f or 
each copy of a sales dr aft or statement t hat You r equest. 
Collection C osts: 
For A labama Borrowers: After def ault an d upon referral t o an attorney, who is not an employee of t he Credit U nion, You 
agree to pay a ll costs of c ollecting t he amount You o we under t his Agreement, including, i f the un paid balance under t his 
plan is gr eater t han $3 00.00 at t he time of c ollection, r easonable attorney's f ees. 
For All Other Borrowers: Y ou agre e to pay all costs of collecti ng the amount Y ou ow e under this Agreement, including 
court c osts and reasonable at torney's  fees. 
Periodic Rates: 
The Introductory Purchas e APR i s 0.00% which i s a monthly periodic r ate of 0.0000% . 
The Purchas e APR i s 18.00% which is a monthly periodic r ate of 1.5000% . 
The Balance Transfer A PR is 18.00% whic h is a monthly periodic r ate of 1.5000% . 
The Cash Advanc e APR is 18.00% whic h is a monthly periodic r ate of 1.5000% .  � CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved  00100968 -MXC30 -P-1-020119 (MXC303 -E) 
 
CONSUMER 
CREDIT CARD 
AGREEMENT
AND 
DISCLOSURE
RURAL KING HARVEST V ISA 
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and �Credit Union� refers to Redstone Federal Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa
� credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card. 
SECURITY INTEREST  
Y ou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase.  
If You give the Credit Union a specific pledge of shares by signing a separate pledge of  shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount.  
Y
ou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts d ue. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were not a covered borrower; or (ii) You cease to be a covered borrower.  
Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
anything to the contrar y in any other Agreement.  
1.USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.You agree to use Your Account in accordance with this Agreement. Your Account must  only be used for lawful transactions.2.CREDIT LIMIT �
 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If Youexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amountsdue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a methodacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/orterminate Your Account at any time for any reason permitted by law.3.REPAYMENT �
 You promise to repay all amounts You owe under this Agreement. Your promise to repay includesall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interestcharges and fees.For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.  The Minimum Payment Due is 2.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $25.00, then Your Minimum Payment Due is the amount of the t otal New Balance.  You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.   Page 2 of 5 
00100968 -MXC30 -P-1-020119 (MXC303 -E) If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your 
Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the 
date the payment is posted or the Credit Union confirms the payment has cleared.  
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner 
the Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum 
Payment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage 
rate (�APR�) and any remaining portion to the other balances in descending order based on applicable APR, unless 
otherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect 
witho ut losing any of Our rights to collect the full balance of Your Account with Us.  
4.INTEREST AND FINANCE CHARGES � We will begin charging You interest on purchases and balance transfers on
the date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of
the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later
(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account
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 Due Date of that statement. To avoid an additional finance charge on the balance
of purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due
Date of that statement.
How W e Calculate Your B alance:  
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances 
(�Transaction Type�). We figure the interest charge for each Transaction Type by applying the periodic rate to each 
corresponding �average daily balance.� To get the �average daily balance� for a Transaction Type We take the beginning 
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or 
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type. 
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the 
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.  
5.FEES � In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to YourAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying thisAgreement.6.FOREIGN TRANSACTIONS � Pur
chases and cash advances made in foreign currencies will be debited from YourAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processinginternational transactions is a rate selected by Visa from a range of rates available in wholesale currency 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 date. The exchange rate used on the processing date may differ fromthe rate that would have been used on the purchase date or cardholder statement posting date.7.AUTHORIZATIONS � We
 do not guarantee authorization of a transaction, either by Us or by a third party, even ifYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We alsoreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certaintransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have norequirement to notify You of the specific reason We denied a transaction.  If We detect unusual or suspicious activity, We may suspend Your credit privileges until We can verify the activity, or We may close the Account.8.INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If
  You have authorized a merchant to bill charges to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, YourAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Cardis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updatedAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorizeUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the chargesto Your Card.Your Card is automatically enrolled in an information updating service. Through this service, Your updated Account information (such as Card number or expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated Account information to a merchant, please contact Us.  9.PREAUTHORIZED CHARGES � We 
may suspend preauthorized recurring charges with merchants if, for example,Your Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring chargesare suspended, You are responsible for making direct payment for such charges until You contact the merchant toreinstate recurring charges.10.DEFAULT � You 
will be in default under this Agreement if You fail to pay the Minimum Payment Due by its PaymentDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be Page 3 of 5 
00100968 -MXC30 -P-1-020119 (MXC303 -E) processed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any c redit 
application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this 
Agreement or any other Agreement You have with Us.  
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable 
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share 
and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts 
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any 
balance to any amounts due on Your Account.   
11.LIABILITY FOR UNAUTHORIZED USE -LOST/STOLEN CARD NOTIFICATION � If You notice the loss or theft of
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on
Your bill or call Us toll -free at 83 3-387-8313, seven days a week and weekends 24 hours a day.
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for 
unauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are 
found to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized 
transactions will not exceed $50.  
12.CHANGING OR TERMINATING YOUR ACCOUNT � As permitted by law, the Credit Union may change the terms
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -  Either 
You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or 
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your 
spouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You 
owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. 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 termination of this Agreement whether by You or the Credit Union.  
Residents of all other states -  Either You or the Credit Union may terminate this Agreement at any time, but termination 
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges 
You owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. 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 termination of this Agreement whether by You or the Credit Union.  
13.AUTHORIZED USERS � Upon 
Your request, We may issue additional Cards for authorized users that Youdesignate. You must notify Us in writing of any termination of an authorized user's right to access Your Account. Yournotice must include the name of the authorized user and Your Account number and/or any subaccount number issued tothe authorized user along with the authorized user's Card and any convenience or other access checks issued to theauthorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to beclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,issue You a new Account number and a new Card.14.CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION �  You aut
 horize the Credit Union to obtain credit reports and any other information We may need to verify Your identity and use of the Account when opening YourAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the CreditUnion to disclose information regarding Your Account to credit bureaus and creditors who inq uire about Your credit standing. We may report information about Your Account to credit bureaus. Late payments, missed payments, or otherdefaults on Your Account may be reflected on Your credit report.15.JOINT ACCOUNTS � If 
this is a joint Account, each of You will be individually and jointly responsible for paying allamounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repaythe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Accountindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.16.EFFECT OF AGREEMENT � Thi
s Agreement is the contract which applies to all transactions on Your Account eventhough the sales, cash advances, credit or other slips You sign or receive may contain different terms.17.SEVERABILITY AND FINAL EX
PRESSION � This Agreement is the final expression of the terms and conditions of Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should anypart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect andfully enforceable to the fullest extent possible under this Agreement.18.ILLEGAL TRANSACTIONS PROHIBITED � You agr
 ee that You will not use Your Card for any transaction, including any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local l aw. Page 4 of 5 
00100968 -MXC30 -P-1-020119 (MXC303 -E) Even if You use Your Card for an illegal transaction, You will be responsible for all amounts  and charges incurred in 
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is  
illegal.  
19.APPLICABLE LAW � The
 terms and enforcement of this Agreement shall be governed by federal law and the law ofAlabama.20.ENFORCING THIS AGREEMENT � We c
an delay in enforcing or fail to enforce any of Our rights under this Agreement without losing them.21.COLLECTION COSTS � I
f We refer collection of Your Account to a lawyer who is not Our salaried employee, Youare liable for any reasonable attorney�s fees We incur, plus the costs and expenses of any legal action, as furtherdisclosed on this Agreement, or to the extent allowed by law.22.ASSIGNMENT � W
e may assign any or all of Our rights and obligations under this Agreement to a third party.23.CALIFORNIA RESIDENTS � A m
arried applicant may apply for a separate Account. Applicants: 1) may, after creditapproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to anyjoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit recordmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.24.FLORIDA RESIDENTS � Y
ou (borrower) agree that, should We obtain a judgment against You, a portion ofYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Floridaand Federal law.25.MARYLAND RESIDENTS � T
o the extent, if any, that Maryland law applies to Your Account, We elect to offer YourCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.26.MISSOURI RESIDENTS � O
ral Agreements or commitments to loan money, extend credit or to forbear fromenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protectYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach covering such matters are contained in this writing, which is the complete and exclusive statement of theAgreement between Us, except as We may later agree in writing to modify it.27.NEW YORK RESIDENTS � W
e may obtain a credit report in connection with this Account, including for any review,modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether suchreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New Yorkresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain acomparative listing of credit card rates, fees and grace periods.28.OHIO RESIDENTS � The
 Ohio laws against discrimination require that all creditors make credit equally available toall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual uponrequest. The Ohio Civil Rights Commission administers compliance with this law.29.SOUTH DAKOTA RESIDENTS � If
 You believe there have been any improprieties in making this loan or in thelender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,SD 57501, or by phone at 605.773.3421.30.WISCONSIN RESIDENTS � I
f You are married, please contact Us immediately upon receipt of this Agreement at theaddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We arerequired to inform Your spouse that We have opened an Account for You.31.NOTICE TO UTAH BORROWERS � Thi
s written Agreement is a final expression of the Agreement between You and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a creditreporting agency if You fail to fulfill the terms of Your credit obligations.32.THE FOLLOWING I
S REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 5 of 5 
00100968 -MXC30 -P-1-020119 (MXC303 -E) Your Billing Rights: Keep this Document for Future Use  
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find A Mistake On Your Statement  
If You think there is an error on Your statement, write to Us at the address listed on Your statement.  
In Your letter, give Us the following information:  -
Account information: Your name and Account number.-Dollar amount: The dol
lar amount of the suspected error.-Description of problem: If
 You think there is an error on Your bill, describe what You believe is wrong and why Youbelieve it is a mistake.You must contact Us:
 
-Within 60 days after the error appeared on Your statement.-At least three business days before an automated payment is scheduled, if You want to stop paym ent
  on the amount You think is wrong.You must notify Us of any potential errors in writing  or el
 ectronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question.
 
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 havealready 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 iscor
rect.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.A
fter 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 thatamount.-If We do not believe there was a mistake: Y
 ou 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 thenreport 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 tel
 ling 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 mi les of Your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based onan advertisement We mailed to You, or if We own the company that sold You the goods or serv ices.) 2.You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with achec
k 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 ab
ove are met and You are still dissatisfied with the purchase, contact Us in writing  or electronically at the address listed on Your statement.
 
While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our inv estigation, 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.