TRADITIONAL VISA, VISA REWARDS, CCU 4 SCHOOLS VISA AND/OR SECURED 

TRADITIONAL VISA 
AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT 

Purchase Annual 
Percentage Rate (APR) 

Balance Transfer APR 

Cash Advance APR 

Penalty  APR  and  When  It 
Applies 

INTEREST RATES AND INTEREST CHARGES 
Prime + 9.74% to Prime + 18.74% 
12.99% to 21.99% 
This APR will vary with the Market based on the Prime Rate 
Prime + 9.74% to Prime + 18.74% 
12.99% to 21.99% 
This APR will vary with the Market based on the Prime Rate 
Prime + 9.74% to Prime + 18.74% 
12.99% to 21.99% 
This APR will vary with the Market based on the Prime Rate 
23.15% 
This APR will vary with the Market based on the Prime Rate 

Default  Minimum  Monthly 
Payment 

This APR may be applied to your account if you 
1.  Make a late payment over 30 days past the due date 
Make a payment that is returned 
The default Payment will be either 3% of the new balance or $10 whichever is greater. 
The default payment will remain in effect until my account is closed. 

Paying Interest 

Minimum Interest Charge 
Credit  Card  Tips  from  the 
Federal Reserve Board 

This Default Payment may be applied to your account if you 
1.  Make a late payment over 30 days past the due date 
Make a payment that is returned 
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. We will begin charging interest on cash advances on the transaction date. 
If you are charged interest, the charge will be no less than $0.50. 
To learn more about factors to consider when applying for or using credit card visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard 

FEES 
Annual Fee 
Transaction Fees 

None 

  Balance Transfer 
  Cash Advance 
  Foreign Transaction 

  Either $5 or 2% of the amount of each transfer, whichever is greater. 
  Either $5 or 3% of the amount of each transfer, whichever is greater. 
  1% of each transaction in US dollars. 

Penalty Fees 

  Late Payment 
  Over-the-Limit 
  Returned Payment 
  Stop Payment 

  $7  
  $10 
  $18 
  $15 for checks drawn on the credit card account 

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. 

Membership in the Credit Union: I must qualify for and become a member of CCU. You reserve the right to close 
my  account(s)  if  my  membership  in  CCU  terminates.  I  agree  that  at  your  option  you  may  suspend  my  rights  to 
member services if I violate the terms of this agreement or any other agreement with me, or if I cause a loss to CCU. 

I  pledge  to  CCU  and  grant  CCU  a  security  interest  in  all  my  share  accounts  to  secure  what  I  owe.  When  I  am  in 
default I authorize CCU to apply the balance in my individual and joint share accounts at the time of default to pay on 
amounts  due.  Shares  and  deposits  in  an  Individual  Retirement  Account,  and  any  other  account  that  would  lose 
special  tax  treatment  under  state  or  federal  law  if  given  as  security,  are  not  subject  to  the  pledge  of  accounts  and 

Rev July 2012 

 
 
 
 
 
 
 
 
security  interest  I  have  given  in  my  shares  and  deposits.  I  further  understand that  the  granting  of  security  interests 
was a condition for the approval of the credit card. 

CARD MEMBER AGREEMENT 
In  this  Agreement  and  Disclosure  Statement  the  words  "I",  "me",  and  "my"  mean  each  and  all  of  those  who  apply  for  or  use 
California Credit Union Traditional Visa, Visa Rewards, CCU 4 SCHOOLS Visa and/or Secured traditional Visa.  "You", "your", and 
"yours"  mean  California  Credit  Union  (CCU).    "Card"  means  the  Traditional  Visa,  Rewards  Visa,  CCU  4  SCHOOLS  Visa  and/or 
Secured Traditional Visa issued to me and any duplicates you may issue.  "Account" means my Traditional Visa, Visa Rewards, 
CCU 4 SCHOOLS Visa and/or Secured Traditional Visa Account with you. 

By requesting and receiving, signing or permitting others to use a Traditional Visa, Visa Rewards, CCU 4 SCHOOLS VISA and/or 
Secured  Traditional  Visa  issued  to  me  by  California  Credit  Union,  I  agree  to  the  following  terms  and  conditions  and  any 
amendments thereto: 

MEMBERSHIP  IN  THE  CREDIT  UNION:  I  must  qualify  for  and  become  a  member  of  CCU.  You  reserve  the  right  to  close  my 
account(s) if my membership in CCU terminates. I agree that at your option you may suspend my rights to member services if I 
violate the terms of this agreement or any other agreement with me, or if I cause a loss to CCU. 

I pledge to CCU and grant CCU a security interest in all my share accounts to secure what I owe. When I am in default I authorize 
CCU  to  apply  the  balance  in  my  individual  and  joint  share  accounts  at  the  time  of  default  to  pay  on  amounts  due.  Shares  and 
deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal 
law if given as security, are not subject to the pledge of accounts and security interest I have given in my shares and deposits. I 
further understand that the granting of security interests was a condition for the approval of the credit card. 

Notice:  This Document Contains Provisions For a Variable Annual Percentage Rate. 

The Monthly Periodic Rate is determined by dividing The Annual Percentage Rate (determined as set forth below) by 12 and will 
change when the Annual Percentage Rate changes.  The Monthly Periodic Finance Charge for each billing cycle will be the sum of 
the Monthly Periodic Finance Charge on my "Purchase" Balance and the Monthly Periodic Finance Charge on my "Cash Advance" 
Balance and cash advance transaction fees (see explanation below) for the billing cycle.  The Monthly Periodic Finance Charge on 
my  Purchases  Balance  is  calculated  by  multiplying  the  Average  Daily  Balance  for  Purchases  (see  explanation  below)  on  my 
account for the billing cycle by the applicable Monthly Periodic Rate.  The Monthly Periodic Finance Charge on my Cash Advances 
Balance is calculated by multiplying the Average Daily Balance for Cash Advances (see explanation below) on my account for the 
billing cycle by the applicable Monthly Periodic Rate. 

HOW  YOU  DETERMINE  CHANGES  IN  MY  ANNUAL  PERCENTAGE  RATE:  The  Annual  Percentage  Rate  may  increase  or 
decrease  on  the  first  day  of  each  monthly  billing  cycle  (the  "Adjustment  Date")  during  the  term  of  this  Agreement.    Any  such 
change  will  be  based  on  an  increase  or  decrease  of  the  most  recent  "Prime  Rate"  as  published  by  the  Wall  Street  Journal  and 
available as of the first Tuesday of the calendar month prior to the Adjustment Date (herein "Index").  If more than one rate is listed 
under the heading "Prime Rate" in the Wall Street Journal, you shall use the lowest rate for purposes of calculating the Index.  In 
the event that the Wall Street Journal ceases publishing the "Prime Rate", changes in the Annual Percentage Rate will be related 
to a comparable Index. 

For example, the Index in effect on the first Tuesday in January shall be used to calculate the Annual Percentage Rate effective as 
of the first day of the next billing cycle in February of the same year. The Index in effect on the first Tuesday in February shall be 
used to calculate the Annual Percentage Rate effective as of the first day of the next billing cycle in March of the same year, and so 
forth.  The maximum Annual Percentage Rate during the term of this Agreement may not exceed the maximum Annual Percentage 
Rate permitted for California state chartered credit unions at the time of each Annual Percentage Rate change.  Decreases in the 
Annual Percentage Rate in accordance with the terms of this Agreement are mandatory.  Increases in the Annual Percentage Rate 
in accordance with the terms of this Agreement are at your discretion.  If the Annual Percentage Rate and corresponding Monthly 
Periodic Rate increases or decreases the Finance Charge will increase or decrease and the number of payments required to repay 
the  unpaid  balance  may  increase  or  decrease.    Each  change  in  the  Annual  Percentage  Rate  and  the  corresponding  Monthly 
Periodic Rate will apply to any unpaid balance on the effective date of such change as well as to future purchases and advances. 

CONDITIONS UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED:  The conditions under which a Finance Charge will be 
imposed depend upon whether the transaction is a Cash Advance or a Purchase. 

FINANCE  CHARGE  ON  CASH  ADVANCES:    A  Finance  Charge  will  be  imposed  on  the  Cash  Advances  outstanding  in  my 
Account whenever the statement of the Billing Cycle being concluded (the "current statement") reflects Cash Advances outstanding 
at any time during the Billing Cycle.  You will charge a Finance Charge on my Cash Advances from the date they are posted to my 
Account. 

CASH  ADVANCE TRANSACTION FEE:  You  will assess a Cash Advance Transaction Fee for ATM and bank Cash Advances, 
and for use of convenience checks and other credit instruments or devices intended for my use in obtaining Cash Advances.  For 
each of these Cash Advances, you will add a Finance Charge equal to 3.0% of the Cash Advance amount, but not less than $5. 
This Finance Charge will be added to the Cash Advance balance on my Account. 

The  Finance  Charge  on  Cash  Advances  consists  of  i)  Cash  Advance  Transaction  Fees  and  ii)  interest  computed  at  a  Monthly 
Periodic Rate.  The Annual Percentage Rate for all outstanding indebtedness and new balances relating to Cash Advances is the 
same as the purchase rate for transactions.  The current Monthly Periodic Rate and the Annual Percentage Rate for cash advance 
transactions is the same as the purchase rate for your card.  This rate is subject to increase or decrease monthly in accordance 

Rev July 2012 

 
 
 
 
 
 
 
 
 
 
with changes in the Prime Rate, as set forth in more detail in the paragraph above on Prime Rate Adjustments.  An increase may 
result in a higher minimum monthly payment. 

FINANCE  CHARGE  ON  PURCHASES:    Whenever  any  portion  of  the  amount  shown  as  the  Previous  Balance  in  the  current 
statement  remains  unpaid  after  the  due  date  shown  on  the  previous  statement,  a  Finance  Charge  will  be  imposed  on  the 
Purchases reflected in the New Balance on my current statement. 

However, any new Purchases that are reflected for the first time on my current statement will not be subject to a Finance Charge 
during  the  Billing  Cycle  reflected  in  the  current  statement  if:    (a)  I  have  no  Previous  Balance  on  my  current  statement  (b)  the 
payments and credits received by you are at least equal to the Previous Balance that appears on my current statement.  All other 
new Purchases will be "Purchases that are subject to a Finance Charge". 

You will charge a Finance Charge on the "Purchases that are subject to a Finance Charge" from the date they are posted to my 
Account.  The minimum Finance Charge, if any, imposed on Purchases posted to the Account will not be less than $0.50. 

The  monthly  Periodic  Rate  and  the  Annual  Percentage  Rate  on  Purchase  Transactions  in  effect  during  any  billing  cycle  is 
determined by adding a margin to the Prime Rate as set forth in more detail in the paragraph above on Prime Rate Adjustments. 

DEFAULT RATE:  Regardless of any other provision in your Agreement to the contrary (including any introductory or promotional 
rates), you may, when permitted by applicable law, impose a higher monthly Periodic Rate and corresponding Annual Percentage 
Rate (a "Default Rate") to my Account if I fail to pay the total amount due shown on my monthly statement by sixty days (60) after 
the payment due date.   

The Default Rate may vary, and is calculated by adding 19.90% to Wall street Journal prime rate to determine my current Annual 
Percentage  Rate.  The  maximum  default  rate  (CAP)  is  23.15%.    The  Default  Rate  will  take  effect  on  the  first  day  of  the  Billing 
Cycle that follows a Triggering Event (failure to pay the total amount due by sixty (60) days after the scheduled due date), and will 
apply to my outstanding balances in effect and any new Purchase and Cash Advance transactions.  The Default Rate will remain in 
effect  until  I  have  paid  six  consecutive  timely  monthly  payments  immediately  following  the  effective  date  of  the  increase  (the 
"Default Rate Period").   

HOW YOU DETERMINE THE AVERAGE DAILY BALANCE ON WHICH MY FINANCE CHARGE IS COMPUTED:  We calculate 
the finance charge on your account by applying the periodic rate to the “average daily balance” of your account (including current 
transactions).  To  get  the  “average  daily  balance”  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new 
[purchases/advances/loans], and subtract any payments or credits, [and unpaid finance charges]. 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.” 

HOW YOU DETERMINE MY TOTAL FINANCE CHARGE:  If payment in full was not received by you for the entire "New Balance" 
by the Payment Due Date, then you will calculate the Finance Charges on my account by applying the Monthly Periodic Rate to the 
"Average Daily Balance" on my account for Purchases and to the "Average Daily Balance" on my account for Cash Advances.  If 
payment  in  full  for  the  entire  "New  Balance"  shown  on  my  statement  for  the  previous  Billing  Cycle  was  received  by  you  by  the 
Payment Due Date, I will not be subject to the Finance Charges on the "Purchases" portion (which consists of transactions related 
to purchases of goods and services) of my account for that Billing Cycle.  This is known as a "Grace Period".  However, there is no 
"Grace Period" for Cash Advances.  You will assess Finance Charges on the Cash Advance portion of my account from the date 
such Cash Advances are posted to my account until the date of payment (even if payment of the entire "New Balance" is received 
by you by the Payment Due Date).  Then, you will take the sum of the Monthly Periodic Finance Charge on my Purchases balance 
and the Monthly Periodic Finance Charge on my Cash Advances balance for the billing cycle.  This determines my total Finance 
Charge for the billing cycle.  Actual Finance Charges will be shown on my periodic statement. 

CASH BACK PREMIUM (Applies to VISA  Rewards only and CCU SCHOOLS VISA): 1% of purchases posted to my account 
each year will be rebated. Balance transfers and cash advances are not included in the rebate program. Rebates are paid only on 
current accounts and are awarded each year.  

SECURITY  INTEREST  (APPLIES  ONLY  TO  SECURED  ACCOUNTS):  I  grant  you  a  security  interest  in  my  Share  Savings 
Account  as  indicated  on  the  Secured  Account  Authorization,  and  I  understand  that  the  interest  in  my  Share  Savings  Account  is 
required by you as a condition for granting me a Secured Account.  I agree not to give anyone other than you an interest in my 
Share  Savings  Account.    I  agree  not  to  permit  any  third  parties,  other  than  you,  to  make  withdrawals  from  my  Share  Savings 
Account.  I authorize you to place a hold on the account, and I agree that you may refuse to allow any withdrawal or payment from 
the Share Savings Account, if allowing the withdrawal or payment would cause the amount remaining in the Share Saving Account 
to fall below the credit limit or outstanding balance,  whichever is higher.  If I default, you may at any time thereafter and  without 
advance warning to me apply all or part of my Share Savings Account balance to the satisfaction of amounts owed on my Account.  
If the balance in my Share Savings Account is not sufficient to repay the amounts owed on my Account, I agree to immediately pay 
the remaining balance. 

PROMOTIONAL PROGRAMS:  From time to time, you may offer a promotional Periodic Rate on all or a portion of Cash Advance 
or  Purchase  balances  in  my  Account  (“Promotional  Balances”).    If  I  take  advantage  of  a  Promotional  Balance  Program,  the 
resulting Promotional Balance will be subject to the terms of that specific promotional offer and this Agreement.  Any promotional 
Periodic Rate will apply to those Promotional Balances until the last day specified in the Promotional Balance offer, the date the 
Account is closed to future transactions, or the date the Account becomes subject to a Default rate as provided in this agreement 
(the “Termination Date”).  Beginning on the first day of a Billing Cycle following the Termination Date, the Periodic Rate applied to 
Promotional Balances will be determined as described above the Section “How You Determine My Total Finance Charge.”  In each 

Rev July 2012 

 
 
 
 
 
 
 
 
 
 
 
Promotional Balance Program, any terms  of the program not disclosed  in this agreement (such as the Annual Percentage Rate, 
effective dates and any grace period) will be detailed in the Promotional Balance offer. 

PAYMENT:  I promise to repay you at your office all sums advanced to me or any person I permit to use this account on the terms 
and conditions set forth herein.  Payments will continue until I have paid in full the unpaid balance, Finance Charges and any other 
fees and charges. 

PREPAYMENT OR IRREGULAR PAYMENTS: Though I need only pay the Minimum Monthly Payment Due, I understand that I 
have the right to repay my balance at any time without penalty.  I also understand I will only be charged Finance Charges to the 
date  I  repay  my  entire  balance.    I  may  make  larger  payments  without  penalty  and  this  may  reduce  the  total  amount  of  Finance 
Charges that I will repay.  Any partial payment of my balance will not advance my next payment due date(s).  I understand that any 
payment  that  (a)  delays  or  (b)  accelerates  the  repayment  of  my  unpaid  balance  will  (a)  increase  or  (b)  decrease  my  Periodic 
Finance Charges. 

MINIMUM MONTHLY PAYMENT: Every month, I must pay at least the Minimum Monthly Payment due by the Payment Due Date 
shown  on  my  statement.    I may,  of  course,  pay  more  frequently,  pay  more,  or  pay  the  New  Balance  in  full  and  I  will  reduce  my 
periodic  Finance  Charge  by  doing  so.    The  Minimum  Monthly  Payment  will  be  either  (a)  2%  of  my  New  Balance  or  $10.00, 
whichever is greater, or (b) my New Balance, if it is equal to or less than $10.00.  In addition, I must pay any amount shown on my 
statement as past due and any late charge.  Lastly, at any time my New Balance exceeds my Credit Limit, I must pay the excess 
as well as any Overlimit Charges. 

I  understand  that  my  Payments  are  applied  in  the  following  order:  a)  unpaid  Periodic  Finance  Charges  on  Promotions,  b)  the 
unpaid Periodic Finance Charge on Purchases, c) the unpaid Periodic Finance Charge on Cash Advances, d) the unpaid fees and 
charges, if any, e) the unpaid balances on Promotional Rates, f) the unpaid balance of Purchases, and g) the unpaid balance of 
Cash Advances. 

DEFAULT  MINIMUM  MONTHLY  PAYMENT:  Regardless  of  any  other  provision  in  your  Agreement  to  the  contrary  (including 
minimum monthly payment), you may, when permitted by applicable law, impose a higher monthly payment (a "Default Payment") 
to my Account if I fail to pay the total amount due shown on my monthly statement by thirty days (30) after the payment due date.   

The Default Payment will be either (a) 3% of my New Balance or $10.00, whichever is greater, or (b) my New Balance, if it is equal 
to or less than $10.00.  In addition, I must pay any amount shown on my statement as past due and any late charge.  Lastly, at any 
time my New Balance exceeds my Credit Limit, I must pay the excess as well as any Overlimit Charges. The Default Payment will 
remain in effect until I close my account.   

MINIMUM FINANCE CHARGE: I will be charged a minimum Finance Charge of $0.50 in any month a Finance Charge is imposed. 

LATE CHARGE: If my current Minimum Monthly Payment is not received by  you  within five (5) days following my  payment due 
date, I will be charged a late charge of $7.00. 

RETURN CHECK CHARGE: A charge of $18.00 will be added to my account for each payment I make to you by check which is 
returned to you for lack of sufficient funds. 

STOP PAYMENT FEE:  A charge of $15.00 will be added to the Purchase balance of my Account if I ask to stop payment on any 
credit card check drawn on my Account. 

TRANSACTION  FEE  FOR  CASH  ADVANCES:  I  will  be  charged  a  transaction  fee  on  each  cash  advance  I  initiate,  whether  I 
receive cash or a check, equal to 3% of the advance with a minimum fee of $5.00. 

TRANSACTION COPY FEE: I may obtain copies of my transaction slips.  I understand that I will be subject to a fee of $10 for each 
transaction that I request. 

BALANCE TRANSFER FEE: I may be charged a transaction fee on each balance transfer I initiate, equal to 2% of the transfer 
amount, with a minimum of $5.00 per transfer. 

CREDIT LIMIT: You will establish a Credit Limit for me.  I agree not to let the unpaid balance exceed this Credit Limit.  I agree to 
advise  you of any change in my financial condition  which  may affect my  credit  worthiness.  I agree that I shall update the credit 
information that I have provided you, from time to time, on your demand.  I may request an increase in my Credit Limit, but Credit 
Limit increases must be approved by you. 

PURCHASES  AND  ADVANCES:  I  may  make  Purchases  and  request  Cash  Advances  in  accordance  with  then  current  loan 
policies  up  to  my  Credit  Limit  but  not  exceeding  the  security  CAP.      I  understand  that  all  purchases  and  other  transactions 
requested by me are subject to your approval. 

USING THE CARD: To make a Purchase or obtain a Cash Advance, there are two alternative procedures to be followed.  One is 
for me to present the card or card number to a participating Visa plan merchant, to you, or to another financial institution, and sign 
or authorize a sales or cash advance draft.  The other is to complete the transaction by using my Personal Identification Number 
(PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the 
Visa systems. 

ILLEGAL TRANSACTIONS: I must not use my Card for any unlawful purpose. I agree that I will not use your Card or account for 
any transaction that is illegal under any applicable law. 
Rev July 2012 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ELECTRONIC FUND TRANSFER:  In the event use of my card, or the account number of the card constitutes an Electronic Fund 
Transfer,  the  terms  and  conditions  of  my  Electronic  Fund  Transfer  Agreement  and  Disclosure  with  you  shall  govern  such 
transactions to the extent the Electronic Fund Transfer Agreement and disclosure expands or amends this Agreement. 

DEFAULT:  I will be in default if 1) I do not pay on time or in the proper amount; 2) I fail to abide by the terms of this Agreement or 
any  other  agreement  I  have  with  you;  3)  I  make  any  false  or  misleading  statements  in  any  credit  application  or  update  of 
information;  4) I die, become insolvent or am the subject of bankruptcy or receivership proceedings; 5) something happens which 
you believe substantially reduces my ability to repay. 

ACCELERATION  AND  COLLECTION  COSTS:  If  I  am  in  default,  you  may  demand  immediate  payment  of  the  unpaid  balance, 
Finance  Charges,  late  charges,  annual  fees,  overlimit  fees  and  collection  costs.    I  understand  that  I  may  be  subject  to  Finance 
Charges (at the applicable Periodic Rate), late charges, annual fees, overlimit fees and collection costs under the terms disclosed 
in this Agreement, until I repay my entire balance.  I also agree to pay your reasonable attorney's fees, and court costs. 

RESPONSIBILITY:   I agree  to repay  you  according to the terms of this  Agreement for  all Purchases, Cash Advances, Finance 
Charges,  late  charges,  annual  fees  and  overlimit  fees,  if  any,  arising  from  the  use  of  the  account  by  me  or  any  other  person  I 
permit to use my account, even if that person exceeds my permission.  I understand that once I authorize any person to use this 
account, this authorization will be in force, until I revoke this authorization in writing to you.  Any person using the account is jointly 
and severally responsible with me. 

UNAUTHORIZED USE: I may be liable for the unauthorized use of my card.  I will not be liable for unauthorized use that occurs 
after I notify you at 1 (877) 875-8092, or in writing at Cardholder Services P.O. Box 29100, Glendale, CA  91209-9100, of the loss, 
theft or possible unauthorized use.  If I notify you of the lost or stolen card, I will not be liable for any losses. This liability exclusion 
will apply provided I am not grossly negligent or fraudulent in handling of my card; otherwise my liability will not exceed $50.00. 

TERMINATION:  I can cancel my Account at any time by returning to you my Card, along with a letter requesting that you cancel 
my Account.  You may cancel this Agreement at any time. However, my obligation under this Agreement and any charges made 
under it prior to cancellation will continue to apply until I have paid you all the money I owe on the Account according to the terms 
of this Agreement. 

TRANSACTION  SLIPS:  My  statement  will  identify  the  merchant,  electronic  terminal  or  financial  institution  at  which  transactions 
were made, but sales, Cash Advances, credit or other slips cannot be returned with the statement.  I will retain the copy of such 
slips furnished at the time of the transaction in order to verify my monthly statement.  You may make a reasonable charge for any 
photostatted copies of slips I request. 

PLAN MERCHANT DISPUTES: You are not responsible for the refusal of any plan merchant or financial institution to honor my 
card.  You are subject to claims and defenses (other than tort claims) arising out of goods or services I purchase with the card only 
if I have made a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) my purchase was 
made in response to an advertisement you sent or participated in sending me; or (b) my purchase cost more than $50.00 and was 
made from a plan merchant in my state or within 100 miles of my current mailing address.  Any other dispute I must resolve directly 
with the plan merchant. 

FOREIGN TRANSACTIONS (ISA fee): When I use my card for a foreign transaction, the transaction amount may be converted 
into U.S. dollars by applying  an exchange rate selected by VISA from among the range of rates available in  wholesale currency 
markets or the government-mandated rate on the date the transaction is processed.  The rate chosen may vary from the rate VISA 
itself receives. 

A fee equal to 1% of the transaction amount is added to each international transaction. For example if your international transaction 
resulted in US $100, the fee would be $1.00. 

RETURNS AND ADJUSTMENTS: Merchants and others who honor the Card may give credit for returns or adjustments, and they 
will do so by sending you a credit slip which you will post to my account.  If my credits and payments exceed what I owe you, you 
will hold and apply this credit balance against future Purchases and Cash Advances, or if it is $1.00 or more, refund it on my written 
request or automatically after six (6) months. 

OWNERSHIP OF CARDS: Any card or other device, which you supply to me is non-transferable and is the property of you.  You 
may repossess any and all cards at any time at your sole discretion without demand or notice. All cards must be returned to you, or 
to  any  person  whom  you  authorize  to  act  as  your  agent,  or  any  person  who  is  authorized  to  honor  the  cards  according  to 
instructions. 

TERMINATION  OF  CARD  PRIVILEGES:  If  my  card  privileges  are  terminated,  I  must  immediately  surrender  all  of  my  Cards. 
Termination of Card privileges does not affect any rights and obligations for transactions made with the Card before the privileges 
were terminated. 

SURRENDER OF CARD(S):  The Card(s) remains your property and, if you request, I must surrender to you all cards you have 
issued on my account. 

LOST OR STOLEN CARDS: To report lost or stolen card(s), the Account Number, PIN or any combination of the three, I will call 
you at 1 (877) 875-8092. 

PAYMENTS MARKED "PAID IN FULL": You may accept checks, money orders, or other types of payment marked "payment in 
full" or use other language to indicate full satisfaction of any indebtedness, without being bound by such language or waiving any 

Rev July 2012 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
right  under  this  Agreement.    You  shall  accept  full  satisfaction  of  indebtedness  only  in  a  written  agreement,  signed  by  your 
authorized representative. 

DELAY IN ENFORCEMENT: You can delay in enforcing any of your rights under this Agreement without losing them. 

GOVERNING LAW: I understand and agree that this Agreement is made in California and shall be governed by the laws of the 
State  of  California  to  the  extent  that  California  Law  is  not  inconsistent  with  controlling  Federal  law.    I  also  understand  that 
California's choice of law rules shall not be applied if they would result in the application of non California law. 

FORCE  MAJURE:  You  are  not  liable  for  failing  to  act  or  delay  in  acting  if  such  failure  or  delay  is  caused  by  legal  constraint, 
interruption of transmission or communication facilities, equipment failure, war, emergency conditions, terrorist action, Act of God 
or other circumstances beyond your control. 

CHANGE OF NAME, ADDRESS and EMPLOYMENT STATUS:  I understand that I must report to you any change in my name, 
address or employment status within sixty (60) days of such change. 

CHANGE  OF  TERMS:  This  Agreement  is  the  contract  which  applies  to  all  transactions  on  my  account  even  though  the  sales, 
Cash Advances, credit or other slips I sign or receive may contain different terms.  I understand that you may amend, modify, add 
to, or delete from this Agreement any of its terms and conditions, including the method of application and the amount of Finance 
Charge, effective as to any unpaid balance outstanding and any subsequent advance by mailing a notice of the change to me at 
my last known address.  I also understand that any such notice  will be mailed at least Forty Five (45) days prior to the effective 
date  of  the  change  as  required  by  Federal  or  other  law.    Notice  of  change  in  terms  is  required,  but  may  be  sent  as  late  as  the 
effective date of the change where the change has been agreed to, in writing by me. 

STATEMENTS: With certain exceptions, CCU provides account holders with statements listing the account transactions.  I agree 
to examine my statements as soon as I receive them.   

I  assume  full  responsibility  for  monitoring  and  reviewing  the  activity  of  my  account  and  the  work  of  my  employees,  agents,  and 
accountants. 

I agree to notify you immediately if I think there is an error or an unauthorized transaction shown on my statement.  Unless I notify 
us  promptly,  you  will  assume  the  statement  is  correct.    If  you  send  me  a  statement  or  item  which  contains  or  discloses  an 
erroneous debit, unauthorized or missing signature or an alteration, I must notify you promptly of that fact, but no later than 60 days 
after you mail or deliver the item or statement to me.  For these purposes, statements will be deemed to have been mailed on the 
first business day following the statement date.  I further agree that if I fail to report any erroneous debit, unauthorized or missing 
signatures  or  an  alteration  within  this  time  frame  I  cannot  assert  a  claim  against  CCU  on  any  items  or  transactions  in  that 
statement, and thereafter by the same wrongdoer, and as between me and CCU the loss will belong entirely to me.  This 60-day 
limitation is without regard to whether you did or did not use ordinary care. 

My statements and notices will be mailed to the last address you have on file for the account.  If my signature card indicates that 
statements and notices are to be held by you, you may mail them to the last address on file for the account if they are not picked 
up within 90 days.   If two consecutive statements and/or notices are returned to CCU by the Postal Service for any reason, you 
may hold subsequent statements and notices of every kind until we receive forwarding information from me and you may destroy 
such statements and notices if I do not claim them within one (1) year from the date of mailing. 

If I do not receive my scheduled statement, it is my obligation to notify you of that fact. 

RELEASING  ACCOUNT  INFORMATION:  I  authorize  you  to  release  information  regarding  the  current  status  and  history  of  my 
account to others.  You may release information:  (1)  where it is necessary or helpful to complete a transaction; (2) to verify the 
existence and condition of your account for a third party, such as a merchant or another financial institution; (3) to comply with the 
law or a court order; (4) when an inquiry is made regarding whether my account has sufficient funds to cover a check drawn on my 
account, (5) with my authorization; and (6) for other legitimate business purposes. 

CCU,  from  time  to  time,  enters  into  agreements  with  third  parties  to  provide  bank  related  services  for  the  CCU.    The  services 
provided  by  the  third  parties  may  include  check-processing  services,  data  processing  services  or  other  bank-related  services.    I 
authorize  you  to  release  information  regarding  my  account  to  such  third-party  services  providers  in  connection  with  the  service 
providers providing bank related services for CCU. 

CREDIT INFORMATION: I authorize you to investigate my credit standing when opening, renewing or reviewing my account, and I 
authorize  you  to  disclose  information  regarding  my  account  to  credit  bureaus  and  other  creditors  who  inquire  about  my  credit 
standing to the extent authorized by law.  If I dispute credit information you are reporting about me, I may notify you at Attn: Credit 
Department, P.O. Box 29100, Glendale, CA  91209-9100 or call you at 1 (877) 875-8092. 

NEGATIVE  CREDIT  REPORTING:  CCU  may  report  information  about  my  account  to  credit  bureaus.  Late  payments,  missed 
payments, or other defaults on my account may be reflected in my credit report. 

NOTICE:  See the statement below for important information regarding right to dispute billing errors. 

COPY RECEIVED: By activating and/or using my Card or allowing an authorized user to use my Card, I acknowledge receipt of a 
copy of this Agreement and Federal Truth-In-Lending Disclosure Statement and agree to and accept its terms. 

Rev July 2012 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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:  
If you think there is an error on your statement, write us at: 

California Credit Union 
PO Box 10409 
Des Moines, IA 50306-0409 

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  the problem:  If  you think there is  an error  on  your  bill, describe  what  you believe  is  wrong and  why  you 

believe it is a mistake. 

You must contact us: 

  Within 60 days after the error appeared on your statement 
  At least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think 

is wrong. 

You must notify us of any potential errors in writing. 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  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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

  We cannot try to collect the amount in question, or report you as delinquent 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  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 are 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 ATN 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: 

California Credit Union 
PO Box 10409 
Des Moines, IA 50306-0409 

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 the amount and you do not pay, we may report you as delinquent. 

Rev July 2012 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Rev July 2012