RED CANOE CREDIT UNION 
VISA PLATINUM CREDIT CARD ACCOUNT AGREEMENT 

This  VISA  Platinum  Credit  Card  Account  Agreement  (“Agreement”)  and  the  Account  Disclosures  accompanying  this  Agreement  will 
govern  your  VISA  Platinum  Credit  Card  and  account  (“Account”)  issued  by  Red  Canoe  Credit  Union  (“Credit  Union”).    In  this 
Agreement, the words "you," "your," "yours," "applicant," and "Borrower" mean any person who signs the application for this Account, 
any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card.  The words "we," "us," "our," and 
"Credit Union" mean Red Canoe Credit Union.  The word "Card" means any one or more credit cards issued under this Account.  If 
you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they 
will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by 
the following terms and conditions which will govern this Account. 
1.  YOU  PROMISE  TO  PAY.    You  promise  to  pay  us  all  amounts,  plus  any  Interest  Charges,  which  arise  from  use  of  the  Card or 
Account by you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have 
actual, implied, or apparent authority for such use, and you received no benefit from the use.  You promise to pay us either by direct 
payment or by automatic transfers from shares or by payroll deduction. 
2.  ACCOUNT ACCESS. You must sign the Card to use it.  Once you have signed the Card, you can use it to buy or lease goods, 
services, or insurance wherever the Card is honored, up to the full amount of your Credit Line.  You may use your Account to get cash 
advances from us.  You may also use your Card to get a cash advance from participating financial institutions and to access your line 
of  credit  at  automatic  teller  machines  (“ATMs”)  within  the  VISA  network  or  any  other  ATMs.    Balance  transfers  are  treated  as 
purchases.  The maximum cash advance limit is 100% of your credit limit. 
3.  CREDIT LINE.  If we approve your application, this Agreement will constitute a revolving line of credit for an amount which will be 
the Credit Line under your Account.  We will advise you of the amount of your Credit Line.  That amount will be the maximum amount 
you  may  have  outstanding  at  any  one  time.    You  agree  not  to  attempt  to  obtain  more  credit  than  the  amount  of  your  Credit  Line.  
However, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you.  
Obtaining such credit does not increase your Credit Line.  We retain the right to increase or decrease your Credit Line at any time.  
Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by separate notice together 
with any changes in the applicable Minimum Monthly Payments.  Your eligibility for this Credit Line is determined by our loan policy 
and may be terminated at our sole discretion, without demand or notice.  You may close your Credit Line at any time by notifying us in 
writing  and  returning  all  Cards  cut  in  half.    If  you  terminate  this  Agreement  or  if  we  terminate  or  suspend  your  credit  privileges,  the 
provisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums 
due us under this Agreement and returned all Cards. 
4.  MINIMUM MONTHLY PAYMENT.  We will mail you a statement every month if your Account has a balance. You agree that you will 
pay each month not less than the minimum monthly payment on or before the closing date. The minimum monthly payment will be 3.0% of 
your outstanding balance (“New Balance”) or $25, whichever is greater. If your outstanding balance is $25 or less, you agree to pay the 
balance in full. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We 
can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights 
under  this  Agreement,  which  are  hereby  explicitly  reserved.  A  credit  posting  from  a  merchant  or  reversal  of  fees  does  not  constitute  a 
minimum payment. The minimum monthly payment may be allocated at the Credit Union’s discretion to pay off lower rate balances, such 
as promotional offers, before higher rate balances, such as cash advances or purchases.  Payments in excess of the minimum monthly 
payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly 
payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement.  Payments 
received at:  Red Canoe Credit Union Payment Center, PO Box 3020, Longview, WA 98632, on or before 5:00 PM Pacific Time on any 
business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a 
weekend will be posted to your Account as of the next business day. 
5.  SECURITY INTEREST.  By signing your application, to secure your Account, you granted us a purchase money security interest 
under the Washington Uniform Commercial Code in any goods you purchase through your Account.  If you default, we will have the 
right  to  recover  any  of  these  goods  that  have  not  been  paid  for  through  application  of  your  payments  in  the  manner  described  in 
Section 4.  In addition, you granted us a security interest in all your shares and deposits, present and future, and all accounts (except 
Individual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your Account and agree, upon default, the Credit 
Union may apply all that is secured to pay any amounts due under this Agreement, without further notice to you.  You further agree 
that collateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account. 
6.  PERIODIC  STATEMENTS.    Each  month,  if  your  outstanding  balance  exceeds  $1,  we  will  send  you  a  statement  showing  new 
purchases, cash advances, payments, and credits made to your Account during the billing period, your Previous Balance, your "Total New 
Balance,"  any  Interest  Charge,  and  any  other  charges.    Your  statement  also  will  identify  the  remaining  Credit  Line  available  and  the 
Minimum Monthly Payment you must make for that billing period and the date it is due.  For statement verification purposes, you agree to 
retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account.  Unless you notify 
us of a billing error as described below, you accept your monthly statement as an accurate statement of your Account with us. 
7.  CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED.  The total outstanding balance of purchases 
and cash advances in the Account on the closing date of a billing period, including any Interest Charge will be shown on the Periodic 
Statement for that billing period as the "New Balance." 

a.  Cash Advances.  An Interest Charge will be imposed on cash advances from the date each cash advance is made.  There is 

no time period within which to pay to avoid a periodic Interest Charge on cash advances. 

b.  Purchases.  Your due date is approximately 25 days after the close of each billing period.  An Interest Charge will be imposed on 
the portion of purchases included in the New Balance that is not paid by the due date.  This “grace period” allows you to avoid an Interest 

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Charge on purchases for a billing period.  However, if you do not pay the New Balance for purchases within the grace period, your Interest 
Charge will accrue on any unpaid purchase transactions from the first day of the billing period in which the payment is due. 

8.  METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT 
OF INTEREST CHARGE.  The Credit Union figures the Interest Charge on your Account by multiplying the "Average Daily Balance" of 
purchases and cash advances for your Account (including current transactions) by the Daily Periodic Rate, and then we multiply the 
result by the number of days in the billing period.  To get the "Average Daily Balance" we take the beginning balance of your Account 
each day, add any new purchases or cash advances, and subtract any payments or credits, unpaid Interest Charge and unpaid late 
charges.    This  gives  us  the  daily  balance.    Then,  we  add  up  all  the  daily  balances  for  the  billing  period  and  divide  the  total  by  the 
number of days in the billing period.  This gives us the "Average Daily Balance."  To get the “Daily Periodic Rate,” we divide the Annual 
Percentage Rate in effect for the billing period by 365. 
9.  PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.   

a.  Standard  Rates.    The  Annual  Percentage  Rate(s)  and  corresponding  Daily  Period  Rate(s)  that  are  used  to  compute  the 
Interest  Charge  for  your  Account  are  based  upon  your  credit  qualification  and  are  disclosed  in  the  Account  Disclosure  and  each 
monthly billing statement.   

b. 

Introductory  Rates.    At  our  discretion,  we  may  offer  you  an  introductory  or  promotional  Annual  Percentage  Rate  for  your 
Account.    Any  introductory  or  promotional  Annual  Percentage  Rate  will  be  subject  to  the  terms  of  the  offer  and  this  Agreement, 
including  but  not  limited  to  the  Penalty  APR  described  below.    We  will  provide  you  with  information  on  the  offer,  including  the  time 
period the introductory or promotional Annual Percentage Rate is in effect in the Account Disclosure or in other materials that we send 
to you about the offer after you receive your Credit Card. 

c. 

 Penalty APR.  The Daily Periodic Rate and Annual Percentage Rate may increase if your minimum payment has not been 
received  within  60  days  after  the  due  date  for  such  payment,  in  which  case  we  may  increase  the  Annual  Percentage  Rate  for  your 
entire  balance  to  19.90%  (“Penalty  APR”).    We  will  send  you  advance  written  notice  that  your  Annual  Percentage  Rate  will  be 
increasing.    Following  implementation  of  the  Penalty  APR,  if  you  make  your  payments  on  time  for  six  (6)  consecutive  months,  the 
Penalty APR will terminate and the prevailing variable Annual Percentage Rate will apply. 
10.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED.  You agree to pay the following fees and charges on your 
Account. 

a.  Late Fee.  If we do not receive your minimum payment within 3 days of the due date, you agree to pay a late fee of $25. 
b.  Copying Fee.  We may charge you $13 for each VISA draft copy you request for your Account.  If the request relates to a 

billing error and we determine that a billing error was made, any photocopying charges will be refunded. 

c.  Returned Item Fee.  If any check or draft we receive from you as payment for any amount you owe to us is returned to us 

unpaid, you agree to pay a returned item fee of up to $25. 

d.  ATM Fee.  If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM 
surcharge  by  the  ATM  operator  or  an  ATM  network  utilized  for  such  a  transaction.    The  ATM  surcharge  may  be  charged  to  your 
Account if you complete the transaction.   

e.  Attorney's  Fees  and  Costs.   If  you  default  on  any  part  of  this  Agreement,  you  agree  to  pay  us  all  costs  to  collect  your 
Account,  including  court  costs  and  reasonable  attorney  fees  whether  or  not  there  is  a  lawsuit, and fees on any appeal and fees for 
bankruptcy  proceedings,  appeals,  and  any  post-judgment  collection  services,  if  applicable.    These  fees  and  costs may be added to 
your Account balance and will bear interest at the Annual Percentage Rate in effect at that time. 
11.  CONDITIONS OF CARD USE.  The use of your Card and Account are subject to the following conditions: 

a.  Use.    Your  Card  and  Account  may  be  used  only  for  valid  and  lawful  purposes.    You  may  not  use  your  Card  (i)  to  make 
Purchases or obtain Cash Advances for any illegal transaction, or (ii) for any internet or online gambling transactions.  If you use your 
Card  for  any  illegal  or  prohibited  transaction,  this  Agreement  also  applies  to  such  transaction  and  you  agree  to  pay  any  and  all 
amounts  related  to  such  transaction  pursuant  to  the  terms  of  this  Agreement.  We  may,  in  our  sole  discretion,  restrict  the  use  of  or 
terminate your Card if we notice excessive use of your Card or other suspicious activities or if we reasonably believe the Card is or has 
been used for one or more illegal or prohibited transactions. 

b.  Ownership  of  Cards.   Any  Card  or  other  credit  instrument  or  device  which  we  supply  to  you  is  our  property  and  must  be 
returned  to  us,  or  to  any  person  whom  we  authorize  to  act  as  our  agent,  or  to  any  person  who  is  authorized  to  honor  the  Card, 
immediately according to instructions.  The Card may be repossessed at any time in our sole discretion without demand or notice.  You 
cannot transfer your Card or Account to another person. 

c.  Honoring the Card.  We may decline to honor any transaction for any reason.  Neither we nor merchants authorized to honor 
the Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you.  If a 
merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund. 

d.  Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to 
you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected 
by VISA from the 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.  In addition, you 
will be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country. 

e.  Notices  and  Payments.   All  notices  will  be  sent  to  your  address  as  shown  in  the  application.    You  agree  to  advise  us 
promptly if you change your mailing address.  All payments should be mailed to us at the remittance address shown on your monthly 
statements.  Payments received at that address will be credited to your Account as of the date received.  Written notices and inquiries 
to us must be sent to:  

Red Canoe Credit Union 

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PO Box 3020 
Longview, WA 98632\ 
(800) 562-5611 

f.  Personal  Identification  Number.   If  we  issue  you  a  Personal  Identification  Number  ("PIN")  for  use  with  your  Card  in 
accessing your line of credit at ATMs, these numbers are issued to you for your security purposes.  These numbers are confidential 
and should not be disclosed to third parties.  You are responsible for safekeeping your PIN.  You agree not to disclose or otherwise 
make available your PIN to anyone not authorized to sign on your Account.  To keep your Account secure, please do not write your 
PIN on your Card or keep it in the same place as your Card. 
12.  LOAN PROTECTION.  Loan Protection coverage is not required for any extension of credit under this Agreement.  However, you 
may purchase any loan protection available through us and have the monthly fee added to your outstanding balance as purchases.  If 
you elect to do so, we will give you the necessary disclosures and documents separately. 
13.  DEFAULT.  You will be in default under this Agreement if any of the following occur:  (a) Any Minimum Monthly Payment is not 
made when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other agreement 
with us; or (d) If we reasonably deem ourselves insecure with respect to your Account.  Upon default, we may declare the entire unpaid 
balance immediately due and payable, and you agree to pay that amount plus any attorney's fees and costs we incur, including fees 
and costs in any appeal or bankruptcy proceeding.  We can delay enforcing any right under this Agreement without losing that right or 
any other right.  We will notify you in writing of any such action as soon as practical if it occurs. 
14.  GOVERNING LAW.  This Agreement will not take effect until it is approved by us.  This Agreement shall be governed by the laws 
of the State of Washington. 
15.  SEVERABILITY.    If  any  provision  of  this  Agreement  is  held  invalid,  the  remaining  provisions  that  are  severable  shall  remain  in 
effect. 
16.  LOSS  OR  THEFT  OF  CARD.    You  agree  to  promptly  notify  us  immediately  of  the  loss,  or  the  theft,  or  the  use  without  your 
permission, of any Card or other credit instrument or device which we supply to you.  You may be liable for the unauthorized use of 
your  card  if  we  reasonably  determine  your  handling  of  your  Card  or  account  was  negligent  or  fraudulent.  You  will  not  be  liable  for 
unauthorized use which occurs after you notify:  Red Canoe Credit Union, PO Box 3020, Longview, WA 98632, Telephone:  (800) 562-
5611, orally or in writing of loss, theft, or possible unauthorized use.  In any case, your liability shall not exceed $50. 
17.  CREDIT  INFORMATION/FINANCIAL  STATEMENTS.    You  authorize  us  to  release  information  to  others  (e.g.,  credit  bureaus, 
merchants, and other financial institutions) regarding the status and history of your Credit Line.  You agree to provide us, at any time 
we deem necessary, with a current financial statement and/or updated credit information upon request. We may investigate your credit 
directly or through a credit reporting agency. 
18.  AMENDMENTS.  We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by 
applicable law. We will notify you of the changes to this Agreement as required by law. 
19.  BILLING ERRORS NOTICE, YOUR CREDIT CARD 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:  Red Canoe 
Credit Union, PO Box 3020, Longview, WA 98632.  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 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 automated 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. 

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If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to 
pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the 
name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled 
between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not 
to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  your  current  mailing  address,  and  the 
purchase  price  must  have  been  more  than  $50.    (Note:  Neither  of  these  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 ATM or with a check 

that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we 
investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
20.  Military  Lending  Disclosures.  The following disclosures are provided and apply to the borrower who is a Covered Member as 
described below. 

a.   Borrower  Certification  of  Active  Duty.    By  requesting  a  Credit  Card  each  borrower  certifies  to  the  Credit  Union  that 
borrower:  (i) is a Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not 
less than 30 days) Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.  
Borrower(s)  authorize  the  Credit  Union  to  verify  their  status  as  a  Covered  Member  or  dependent  by  obtaining  information  from  the 
database of the Department of Defense or from a consumer report obtained from a consumer reporting agency. 

b.  Military  Annual  Percentage  Rate.  Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and  their 
dependents relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and 
his or her dependent may not exceed an annual percentage rate of 36%.  This rate must include, as applicable to the credit transaction 
or  account:    the  costs  associated  with  credit  insurance  premiums;  fees  for  ancillary  products  sold  in  connection  with  the  credit 
transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  a  credit  card  account);  and  any  participation  fee 
charged (other than certain participation fees for a credit card account). 

c.  Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 1 and 4 above in the Credit 

Card Agreement. 

d.  Security Interest.  The Credit Union’s security interest in all your Credit Union shares or deposits pursuant to the Credit Card 
Agreement  will  not  apply  your  Credit  Card  Account.    A  security  interest  in  shares  or  deposits  granted  in  connection  with  any  other 
credit  card  account,  loan  or  line  of  credit  does  not  secure  the  Credit  Card  Account  identified  above,  in  spite  of  any  provision  that 
collateral securing one loan secures all of your other Credit Union obligations.  However, if you establish a deposit or share account 
specifically in connection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account 
are subject to our security interest as set forth above in the Credit Card Agreement. 

e.  Credit Union Toll-Free Telephone Number (800) 562-5611. Call this number for verbal information about the Military Annual 

Percentage Rate and your payment obligation. 
21.  ACKNOWLEDGMENT.    You  understand  and  agree  to  the  terms  and  conditions  in  this  Agreement  and  the  Fair  Credit  Billing 
Notice.  You acknowledge that you have received a copy of this Agreement, the Account Disclosure, and the Fair Credit Billing Notice. 
This Agreement is a final expression of the agreement between you and the Credit Union.   

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Red Canoe Credit Union 
VISA Platinum Credit Card Account Disclosures 

These Account Disclosures for the VISA Platinum Rewards Credit Card are part of the VISA Platinum Rewards Credit Card Agreement with Red Canoe 
Credit Union. We reserve the right to amend the VISA Platinum Rewards Credit Card Agreement as permitted by law. 

INTEREST RATES AND INTEREST CHARGES 

Annual  Percentage  Rate  (APR)  for 
Purchases and Cash Advances 

4.90% Introductory APR for 6 months from date of account opening. 
After 
creditworthiness. 

that,  your  APR  will  be  8.90%-19.90%  based  on  your 

Annual  Percentage  Rate  (APR)  for 
Balance Transfers 

1.90% Promotional APR for 6 months on balance transfers made during 
January or February of any year. 

Penalty APR and When it Applies 

Paying Interest  

For  all  other  balance  transfers,  APR  will  be  8.90%-19.90%  when  you  open 
your account based on your creditworthiness. 

19.90% 
This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply?  If your APR is increased for this 
reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due. 
Your due date is approximately 25 days after the close of each billing cycle. 
We will not charge any interest on the portion of the purchases balance that 
you pay by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

For  Credit  Card  Tips 
the 
Consumer Financial Protection Bureau 

from 

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 
www.consumerfinance.gov/learnmore. 

FEES 

Annual Fee 

Transaction Fees 

Penalty Fees 

None 
None 

•  Late Payment Fee 
•  Returned Payment Fee 

$25. 
Up to $25. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 

Loss of Introductory/Promotional APR: We may end your Introductory APR or Promotional APR and apply the Penalty 
APR if you make a late payment. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Account Agreement. 

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