Visa Classic, Visa Platinum, Visa Platinum Choice Rewards, 
Visa Platinum Secured, and Visa Platinum Student  
Credit Card Agreement and Truth in Lending Disclosure  

Effective November 2010 

In  this  Agreement  and  Truth  in  Lending  Disclosure  Statement  (“agreement”) 
the words “you “your” and “cardholder” mean each and all of those who apply 
for or use the card and or Visa account.  “We”, “us”, “our,” and “credit union” 
mean  California  Coast  Credit  Union.  “Account”  and  “card”  mean  the  Visa 
Classic,  Visa  Platinum,  Visa  Platinum  Choice  Rewards,  Visa  Platinum 
Secured, and Visa Platinum Student credit card, unless otherwise specified. 

You  agree  to  the  following  terms  and  conditions  and  any  changes  or 
amendments.    By  requesting  and  receiving,  signing  or  permitting  others  to 
use  the  card  issued  to  you  by  the  credit  union,  you  agree  to  the  following 
terms. 
Acceleration and Collection Costs You understand and agree that we have 
the right to temporarily or permanently suspend any and all account and card 
privileges  and/or  may  demand  immediate  payment  of  the  unpaid  balance, 
interest  charges,  late  charges,  our  collection  costs,  reasonable  attorney’s 
fees, and court costs (collectively, “collection-related charges”) in the event of 
(a) your death, insolvency, or failure to pay this obligation or any of your other 
obligations  to  us,  or  (b)  any  breach  or  default  of  this  agreement.    You 
understand  and  agree  that  you  will  be  subject  to  interest  charges  (at  the 
applicable  Annual  Percentage  Rate),  late  charges,  and  collection-related 
charges  under  the  terms  disclosed  in  this  agreement  until  you  repay  your 
entire loan. 
Accuracy  of  Information  The  information  provided  in  your  application  for 
credit  is  accurate  and  you  will  notify  us  in  writing  immediately  if  there  is  a 
change in your financial condition. The credit union may retain the application.  
You  understand  that  it  is  a  violation  of  Section  1014,  title  18,  US  Code  to 
make  false  statements  or  over  value  security  for  the  purpose  of  influencing 
the action of any federally-insured credit union.  We may gather credit and or 
employment  information  we  deem  necessary  and  appropriate  from  time  to 
time and we may give information concerning our credit experience with you 
to others. 
Authorization  and  Payment  You  authorize  us  to  pay  and  charge  your 
account  for  all  purchases,  cash  advances,  and  balance  transfers,  made  or 
obtained by  you or another you authorize to use your card or account.  You 
will  be  obligated  to  pay  all  such  purchases,  cash  advances,  and  balance 
transfers  charged  to  your  account  whether  resulting  from:  (1)  actual  use  of 
your card or Visa convenience checks; (2) mail order, telephone, computer, or 
other electronic purchases made without presenting the card; or (3) any other 
circumstances  where  you  authorize  a  charge,  or  authorize  someone  else  to 
make  a  charge  on  your  account  (collectively,  authorized  charges).  You 
promise to pay us, or to our order, in US dollars with an instrument drawn on 
a financial institution in the United Sates at our offices or at the address set 
forth  on  your periodic  statement, all  authorized  charges on  the  terms and at 
the rates set forth herein, plus any interest charges assessed on your account 
and  any  other  charges  and  fees  which  you  may  owe  us  under  the  terms  of 
this agreement.  Payments will continue until you have paid in full the unpaid 
balance,  interest  charges,  all  collections  related  charges  and  any  other  fees 
and charges. 
California Coast Guard Plus Credit protection coverage under this program 
is optional. The cost of coverage is added to the balance of the loan monthly 
as  a  cash  advance  transaction.  The  cash  advance  fee  is  waived.    If  you  do 
not make any payment when due, at our option, we may cancel coverage.  
California Law This agreement is made in California and is governed by the 
laws  of  the  state  of  California  to  the  extent  that  California  law  is  not 
inconsistent with controlling federal law.  California’s choice of law rules shall 
not be applied if that would result in the application of non-California law. 
Cardholder  Signature  To  avoid  fraud  if  your  card  is  lost  or  stolen,  and  to 
allow  Point  of  Sale  (POS)  merchants  to  verify  the  signature  on  sales  drafts, 
you  must  sign  the  signature  panel  on  the  back  of  your  card  immediately  for 
the card to be valid. Do not write, “See ID” or similar content on the signature 
panel, as this is not an acceptable alternative. 
Cash  Advances  Cash  advances  may  be  obtained  at  ATMs,  through  a 
California  Coast  Visa  convenience  check,  overdraft  transfer,  Cal  Coast 
ONLINE or at a financial institution (without using an ATM). There is a fee for 
each cash advance.  
Change  in  Terms  This  agreement  is  the  contract  that  applies  to  all 
transactions on the account even though the sales, cash advance, credit, or 
other  receipts/slips  you  sign  or  receive  may  contain  different  terms.    You 
understand  and  agree  that  the  credit  union  may  amend,  modify,  add  to,  or 
delete  from  this  agreement  any  of  its  terms  and  conditions,  by  mailing  or 
delivering a notice of the change to you at your last known address.  You also 
understand  that  any  such  notice  will  be  sent  at  least  45  days  prior  to  the 

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effective date of the change, as required by federal or other law.  Notice of a 
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 you. 
Change  of  Name,  Address,  Telephone  Number  or  Employment  Status 
You  understand  and  agree  that  you  must  report  to  the  credit  union  any 
change in your name, address, telephone number, or employment status. 
Credit Information You authorize us to investigate your credit standing when 
applying  for,  renewing,  or  reviewing  your  account  and  you  authorize  us  to 
disclose  information  regarding  your  account  to  credit  bureaus  and  other 
creditors  who  inquire  to  us  regarding  your  credit  standing  to  the  extent 
authorized by law. 
Credit  Limit  Except  as  may  be  limited  by  applicable  law,  we  at  our  sole 
discretion,  may  increase  or  decrease  your  credit  limit  by  any  amount.    We 
may  also  refuse  to  extend  additional  credit  for  any  transaction  if  you  have 
reached your credit limit or if you are in default. 
Default  If  you  are  in  default  under  this  agreement,  we  have  the  right  to 
terminate  further  services  on  your  account,  to  revoke  your  card  and/or 
demand  payment  in  full  of  all  amounts  owed  to  us.    You  will  be  in  default  if 
any  of  the  following  occur:  1)  If  you  do  not  pay  on  time  or  in  the  proper 
amount;  2)  you  fail  to  live  up  to  the  terms  of  this  agreement;  3)  your  credit 
worthiness  is  impaired;  4)  you  die,  become  insolvent,  or  are  the  subject  of 
bankruptcy or receivership proceedings; 5) if we receive any verbal or written 
report from any of your creditors that you have not met your obligations with 
any of them.  In the event of any action by us to enforce this agreement, you 
agree  to  pay  the  costs  of  reasonable  attorney  fees,  and  other  expenses.  
interest charges will continue to accrue until you repay your loan. 
Delay  in  Enforcement  We  can  delay  enforcing  any  of  our  rights  under  this 
agreement without losing them. 
Delinquency When your account is fifteen (15) or more days delinquent, and 
you have made no attempt to contact us to make agreeable arrangements for 
payment,  we  may  cancel/decline  all  authorizations  until  your  account  is 
brought current. 
Electronic  Funds  Transfer  If  the  use  of  your  card  or  account  number 
constitutes  an  Electronic  Funds  Transfer,  the  terms  and  conditions  of  the 
Electronic Services Disclosure and Agreement will govern these transactions 
to the extent that the EFT agreement amends this agreement. 
Fees  Fees  associated  with  the  use  of  the  card  are  disclosed  on  the  Visa 
Credit Card Disclosure Summary you receive when you open your account. 
Foreign  Transactions  The  exchange  rate  between  the  foreign  transaction 
currency  and 
for  processing 
the  billing  currency  (US  dollars)  used 
international transactions may be either:  1) a rate selected by Visa from the 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central processing date, which may vary from the rate Visa receives, or 2) the 
government-mandated  rate  in  effect  for  the  applicable  central  processing 
date.    In  each  instance,  Visa  charges  an  International  Service  Assessment 
fee for Multiple Currency Conversion Rate adjustments. If there is no currency 
conversion, Visa charges a Single Currency Conversion Rate adjustment fee. 
Integrated  Documents  Any  separate  sheet  of  paper  labeled  “Additional 
Disclosure – Truth-in-Lending Act” which is delivered together with this form is 
an integrated part of the agreement. 
Interest  Charge  Calculation  (Average  daily  balance  method  including 
current  transactions)  We  calculate  the  interest  charge  on  your  account  by 
applying the periodic rate to the “average daily balance” of your account. To 
get  the  “average  daily  balance”  we  take  the  beginning  balance  of  your 
account each day, add any new purchases, advances, and fees, and subtract 
any  unpaid  interest  or  other  finance  charges  and  any  payments  or  credits. 
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.”  
Lien  on  Shares  If  you  have  voluntarily  agreed  to  a  lien  on  shares,  you 
understand that if you are in default on the account, we may apply all shares 
(except  IRA  accounts)  then  on  deposit  needed  by  the  credit  union  to  repay 
your loan. 
Lost or Stolen Cards You must notify the credit union at once if you believe 
your card, account number, PIN or any combination of the three has been lost 
or  stolen  by  immediately  calling  the  credit  union  at  the  telephone  number  at 
the  back  of  this  disclosure.    Telephoning  is  the  best  way  to  keep  possible 
losses  down.  You  understand  that you  shall  not  be  liable  to  the  credit union 
for any account and or card transaction resulting from the loss, theft or other 
unauthorized use of the account and or card that occurs prior to the time you 
give notice to the credit union.  Such liability does not apply when the account 
and  or  card  is  used  to  make  an  electronic  funds  transfer.  We  may  increase 
the  limit  of  your  liability  for  unauthorized  Visa  transactions  only  if  we 
reasonably  determine  based  on  substantial  evidence  that  you  were  grossly 
negligent or fraudulent in the handling of your account or card. 
Membership Requirement You understand and agree that you must be and 
remain  a  member  in  good  standing  with  the  credit  union  to  be  eligible  for 
continuing  account  and/or  card  privileges  including  future  purchases  and 
advances.    You  understand  and  agree  that  we  may  suspend  the  account 
and/or  card  privileges  during  any  period  in  which  you  do  not  maintain  your 
membership with us. 

 
 
 
 
 
 
 
 
Merchant  Disputes  We  are  not  responsible  for  the  refusal  of  any  plan 
merchant or financial institution to honor the account and/or card.  The credit 
union is subject to claims and defenses (other than tort claims) arising out of 
goods or services you purchase with the card only if you have made a good 
faith  attempt  but  have  been  unable  to  obtain  satisfaction  from  the  plan 
merchant, and (a) your purchase was made in response to an advertisement 
the credit union sent or participated in sending you; or (b) your purchase cost 
more  than  $50  and  was  made  from  a  plan  merchant  in  your  state  or  within 
$100  miles  of  your  current  mailing  address.    Any  other  dispute  you  must 
resolve directly with the plan merchant. 
Negative  Credit  Information  A  negative  credit  report,  reflecting  on  your 
credit record, may be submitted to a credit reporting agency if you fail to fulfill 
the terms of your credit obligations. 
Payment Due Date Payments are due on the 25th day of each month.  If your 
Payment Due Date falls on a weekend or holiday, a mailed payment received 
by the close of business on the next business day will be considered timely. 
For example, if the due date is Sunday the 25th, the payment received by mail 
will be on time if received before the close of business on Monday, the 26th.  
Payment Marked “Paid in Full” The credit union may accept checks, money 
orders,  or  other  types  of  payment  marked  “payment  in  full”  or  using  other 
language to indicate full satisfaction of any indebtedness, without being bound 
by such language or waiving any rights under this agreement. Full satisfaction 
of  indebtedness  shall  be  accepted  by  the  credit  union  only  in  a  written 
agreement, signed by an authorized representative. 
Payment  Minimum  Every  month,  you  must  pay  at  least  the  minimum 
payment  due  by  the  payment  due  date  shown  on  your  periodic  statement.  
The minimum payment due will be either (a) 3% of the new balance, or $25, 
whichever is greater; or (b) your new balance if it is less than $25. In addition, 
you must pay any amount on your periodic statement listed as past due and 
any late charge.  Lastly, if at any time, your new balance exceeds your credit 
limit, you must pay the excess as well as any over limit charge. 
Preauthorized  Payment  By  separate  agreement,  you  may  authorize  the 
credit  union  to  automatically  transfer  the  minimum  payment  due  from  your 
savings or checking account.  You may pay more frequently, pay more, or pay 
the new balance in full which will reduce your interest charge.   
Prepayment or Irregular Payments Though you need only pay the minimum 
payment  due,  you  understand  that  you  have  the  right  to  repay  your  loan  at 
any time without penalty.  You also understand and agree that you will only be 
charged  interest  charges  to  the  date  you  repay  your  entire  loan.    You  may 
make larger payments without penalty and this may reduce the total amount 
of  interest  charges  that  you  will  repay.    If  you  pay  more  than  the  minimum 
payment due in any month and there is still a balance due, you must continue 
to  make  minimum  payments  in  future  months.    Any  partial  payment  of  your 
loan will not advance your next payment due date. You understand and agree 
that  any  payment  that  delays  or  accelerates  the  repayment  of  your  unpaid 
balance will increase or decrease your interest charge. 
Privacy Notice The credit union may release information about you and your 
account  in  connection  with  the  maintenance  of  your  account  with  outside 
companies  that  perform  marketing  services  on  our  behalf,  to  other  financial 
institutions with whom we have joint marketing agreements, or as required or 
allowed  by  law.    For  example:    If  you  are  in  default,  we  may  release 
information about your account to third parties who may assist us in enforcing 
our  rights  under  this  agreement.    We  may  also  report,  to  credit  reporting 
agencies and other creditors, the status and payment history of your account, 
including  negative  credit  information.  If  you  believe  that  our  report  of  your 
account status is inaccurate or incomplete, write us at the following address: 
California Coast Credit Union, P.O. Box 502080, San Diego, CA 92150-2080.  
You must include your name, address, home telephone number, and account 
number.  
Purchases  and  Cash  Advances  You  may  make  purchases  and  request 
advances in accordance with current loan policies up to your credit limit.  You 
understand and agree that all purchases and other transactions requested by 
you or anyone you have permitted to use the card and or account are subject 
to credit union approval. 
Personal  Identification  Number  (PIN)  The  credit  union  may  assign  you  a 
Personal  Identification  Number  (PIN)  to  be  used  with  your  card.    You  agree 
not to disclose or otherwise make your PIN available to anyone not authorized 
on  your account.   This number should be  memorized  and  then  destroyed  to 
ensure that no one else can obtain access.  You must not write your PIN on 
the  card  and  must  not  record  your  PIN  anywhere  or  in  any  form  (even 
disguised) that could be accessed by  an  unauthorized  person.    If  you  forget 
your PIN, you must contact us and a new PIN will be issued, or you may visit 
a credit union branch office to select your own PIN. 
Responsibility You agree to repay, according to the terms of this agreement, 
all  purchases/other  debits,  cash  advances,  balance  transfers,  interest 
charged, and any other fees and charges, if any, arising from the use of the 
account by you or any other person you permit to use the account, even if that 
person  exceeds  your  permission.    For  example,  you  are  responsible  for 
charges  made  by  yourself,  your  spouse,  and  minor  children.    You  cannot 
disclaim  responsibility  by  notifying  us,  but  upon  your  request  and  upon  the 
return of all cards  to  the credit union  you  must close  the account to prevent 
any  new  transactions  from  being  authorized.    Your  obligation  to  pay  the 

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account  balance  continues  even  though  an  agreement,  divorce  decree,  or 
other court judgment to which you are not a party may direct you or one of the 
other persons responsible to pay the account.  Any person using the card is 
jointly and severally responsible with you for all charges he or she makes, but 
if that individual signed the card, he or she becomes a party to this agreement 
and  is  also  jointly  and  severally  responsible  for  all  charges  on  the  account, 
including your charges. 
Restricted  Use  of  the  Card  Your  card  and  or  account  may  not  be  used 
directly  or  indirectly  for:  (1)  any  illegal  activity  or  transaction,  or  (2)  any 
gambling, gaming, betting, or similar activity or transaction.  Further, you may 
not utilize your card and or account for the purchase of any goods or services 
on  the  Internet  that  involve  gambling,  gaming,  betting,  or  any  similar 
transaction or activity.  Such transactions include, but may not be limited to, 
any  quasi-cash  or  online  gambling  transaction,  any  electronic  commerce 
transaction  conducted  over  an  open  network,  and  any  betting  transaction 
including the purchase of lottery tickets or casino gaming chips/checks or off-
track betting or wagering.  Your use of the card and or account for any such 
transaction will constitute an event of default under this agreement. However, 
in  the  event  that  a  charge  or  transaction  described  in  this  paragraph  is 
approved and processed, you will still be responsible for such charges.  You 
agree  that  the  credit  union  will  not  incur  any  liability,  responsibility  or 
culpability whatsoever, for any such use of the card and or account by you or 
any authorized users. You further agree to indemnify and hold the credit union 
harmless from any suits, liability damages, or adverse action of any kind that 
results directly or indirectly from such use. 
Returns  and  Adjustments  Merchants  and  others  who  honor  the  account 
and/or card may give credit for returns or adjustments, and they will do so by 
sending the credit union a credit receipt/slip which will post to the account.  If 
your credit and payments exceed what you owe the credit union, we will hold 
and apply this credit balance against future purchases and cash advances, or 
if it is one dollar or more, refund it upon your written request or automatically 
after six months. 
Visa Platinum Secured Credit Cards  
Pledge of Shares The Visa Platinum Secured Credit Card (Visa credit card) is 
secured  by  the  shares  in  the  share  account  described  in  the  “Visa  Platinum 
Secured  Credit  Card  Request”.  By  requesting  and  receiving,  signing  or 
permitting others to use the Visa credit card issued to you by California Coast 
Credit  Union,  you  agree  that  your  assignment  and  pledge  of  your  share 
account is irrevocable except as provided for in this agreement.  By pledging 
your share account, you agree that if you are in default under this agreement, 
in  addition  to  all  the  other  remedies  under  this  agreement,  we  may,  at  our 
option,  apply  the  balance  of  the  pledged  share  account  to  the  outstanding 
balance  of  your  Visa  credit  card.  You  understand  the  applicable  Annual 
Percentage Rate disclosed in the Visa Credit Card Disclosure Summary does 
not take into account the dividends on the pledged share account.  
Pledged  Share  Account  Requirements  You  agree  to  maintain  a  minimum 
balance  in  the  pledged  share  account  in  an  amount  equal  to  120%  of  the 
credit  limit  on  the  Visa  credit  card.    If  the  balance  in  the  pledged  share 
account ever falls below this minimum requirement, you agree to immediately 
deposit  to  the  pledged  share  account  an  amount  sufficient  to  cause  the 
balance  in  the  account  to  satisfy  this  minimum  balance  requirement.  You 
agree  that  this  pledge  will  cover  future  purchases  and  advances  under  this 
agreement.   
Closing the Account You may not close your pledged share account until the 
outstanding balance of the Visa credit card has been paid in full and closed. If 
the credit union or you cancel the Visa credit card, the credit union reserves 
the  right  to  hold  the  funds  on  deposit  in  the  pledged  share  account  for  a 
period of time (but not more than 30 days after the Visa credit card account is 
closed), which we believe reasonably sufficient for any outstanding credit card 
drafts to clear. 
Surrender  of  Cards  The  cards(s)  remain  credit  union  property  and  if  we 
request  and/or  upon  termination  of  the  account,  you  must  recover  and 
surrender to us all cards(s) and any other access devices we have issued on 
the account. 
Termination  We  may  terminate  this  agreement  upon  your  default.    Either 
party may terminate this agreement for other good cause.  If this agreement is 
terminated, you must discontinue utilization of the account by any means.  In 
no event shall any termination relieve  you of  your obligations to repay sums 
already  borrowed,  interest  charged,  and  any  other  fees  and  charges,  if  any, 
arising from the use of the account. 
Transaction  Receipts/Slips  Your  periodic  statement  will 
the 
merchant,  electronic  terminal,  or  financial  institutions  at  which  transactions 
were  made,  but  sales,  cash  advance,  credit,  or  other  receipts  cannot  be 
returned  with  the  periodic  statement.    You  must  retain  the  copy  of  such 
receipts furnished at the time of the transaction to verify information on your 
periodic statement.   
Unauthorized Usage You may be liable for the unauthorized use of your card 
and or account.  You will not be liable for unauthorized use that occurs after 
you  immediately  notify  us  of  the  loss,  theft  or  possible  unauthorized  use  by 
calling  us  at:  (877)  495-1600  or  writing  us  at:  Attention:  Support  Services 
Department, California Coast Credit Union, P.O. Box 502080, San Diego, CA 
92150-2080.    In  any  case,  your  liability  for  unauthorized  use  may  be  $0  in 

identify 

 
accordance  with  current  Visa  U.S.A.  Operating  Regulations.    You  agree  to 
assist  us  in  determining  the  facts  and  circumstances  relating  to  any  such 
unauthorized usage. 
Using the Visa Card or Account Number  
1.  Present  the  card  to  a  Visa  plan  merchant,  to  California  Coast  Credit 
Union, or another financial institution displaying the Visa logo, and sign 
the sales or cash advance draft.   

2.  Give  the  card  number  for  mail,  telephone  order  transactions,  or  for 
purchases through the Internet.  Use caution when making purchases in 
this manner.   

3.  By  using  your  PIN  number  with  the  card  in  an  ATM  or  other  electronic 

terminal that provides access to the Visa system.  

4.  By  using  “CoastLine”  or  by  using  “Cal  Coast  ONLINE”  through  the 

Internet.   

5.  Cover  overdrafts  from  your  checking  account  pursuant  to  authorizing 

Overdraft Protection. 

2. You must have used your card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses your 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, you must contact us in writing at: 
California Coast Credit Union 
P.O. Box 502080 
San Diego, CA 92150-2080  

You may also contact us on the Web at www.calcoastcu.org. 
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. 

OTHER SERVICES PROVIDED 

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, you must write to us at: 

California Coast Credit Union 
P.O. Box 502080 
San Diego, CA 92150-2080 

You may also contact us on the Web at www.calcoastcu.org. 
In your letter, you must 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: 

  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. 
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 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  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.) 

Disclaimer  of  Responsibility  The  communications  and  arrangement 
services  of  the  Emergency  Assistance  Program  are  provided  by  third-party 
service  providers  and  are  paid  by  Visa  USA,  Inc.    The  cardholder  is 
responsible  for  the  cost  of  any  medical,  legal,  or  other  services  used.  
Assistance is provided on a best-efforts basis, and may not be available due 
to  problems  of  time,  distance,  or  location.    The  medical  and/or  legal 
professionals suggested and/or designated by Visa USA’s third-party service 
provider  are  not  employees  of  Visa  USA’s  third-party  provider  or  employees 
or  contractors  of  Visa  USA,  Inc.  or  California  Coast  Credit  Union  and, 
therefore, they are not responsible for the availability, use, acts, omissions, or 
results or any medical, legal, or transportation service. 

SEE VISA CREDIT CARD  
DISCLOSURE SUMMARY FOR RATES AND FEES 

All account rates, terms, and conditions are set by the Board of Directors and 
are subject to change. 

P.O. Box 502080 
San Diego, CA  92150-2080 
(877) 495-1600 
 www.calcoastcu.org 

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    G-12082  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Visa Platinum and Visa Platinum Choice Rewards 
Credit Card Disclosure Summary 
(including Visa Platinum Student and Visa Platinum Secured) 

Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases, Cash 
Advances and 
Balance Transfers 

Paying Interest 

For Credit Card Tips 
from the Federal 
Reserve Board 

Annual Fee 
  Visa Platinum 

  Visa Platinum 
Choice Rewards 

Transaction Fees 
  Cash Advance 

  Foreign 
Transaction 

Penalty Fees 
  Late Payment 

Other Fees 
  Card 
Replacement 

10.99% to 15.99% when you open your account, based on your 
creditworthiness. After that, the APR will be non-variable. 

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 and balance transfers on the transaction 
date. 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 

Fees 

None 

$35 

2% of Advance ($5 Minimum and $100 Maximum) 

Visa charges a 1% International Service Assessment fee for Multiple Currency Conversion 
Rate adjustments. If there is no currency conversion, Visa charges a 0.8% Single 

 Currency Conversion Rate adjustment fee. 

$10 (if 10 or more days late) 

$5 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your credit card 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. 

All information is accurate as of August 2010 and is subject to change without notice. For current rates and terms, please 
contact California Coast Credit Union at (858) 495-1600 or (877) 495-1600. 

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