any  unauthorized  use  of  a  card  will  not  exceed  $50.00.  If
cards  are  issued  to  employees  of  a  single  business  or  other
organization, there is no limit to Cardholder’s liability for any
unauthorized use that occurs before Cardholder notifies Issuer
as  provided  herein:  the  business  or  organization  may  only
impose  liability  on  its  employees  for  unauthorized  use  of  a
card as authorized by federal law and regulation. 

M. Cardholder agrees that Issuer, its agents or service companies
may  monitor  and/or  record  any  telephone  communication
with Cardholder. 

N.

O. 

P. 

Payments must be made to Issuer in U. S. dollars drawn on a
U. S. Financial Institution. If Cardholder incurs charges in any
other  currency,  the  charges  will  be  converted  into  U.  S.
dollars. The conversion may occur after the transaction date
and the conversion rate may differ from the rate of exchange
in effect at the time of the transaction. Cardholder agrees to
pay the converted amount to Issuer in U. S. dollars, plus any
charge for conversion or processing that may be imposed. 

Issuer may accept checks marked “Payment in Full” or with
words of similar effect without losing any of Issuer’s rights to
collect the full balance of Cardholder’s account.

Issuer  can  reinvestigate  and  reevaluate  any  information
Cardholder provided on Cardholder’s credit application at any
time, and in the course of doing so, Issuer may ask Cardholder
for  additional  information,  request  credit  bureau  reports
and/or otherwise verify Cardholder’s current credit standing. 

Q.  Cardholder  agrees  that  Issuer  may  release  information  to
others, such as credit bureaus, regarding the status and history
of cardholder’s account. However, Issuer is not obligated to
release  any  such  information  to  anyone  unless  Issuer  is
required by law to do so. 

R.  Cardholder agrees that Cardholder’s account shall be subject
to all applicable rules and regulations of VISA U.S.A. Inc., as
applicable, as well as applicable laws. If there is any conflict
between  the  provisions  of  this Agreement  and  the  rules  and
regulations  of VISA  U.S.A  Inc.  the  rules  and  regulations  of
VISA  U.S.A  Inc.  shall  control. Your VISA  card  may  not  be
used for any illegal transaction(s).

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. 

Notify Us in Case of Errors or Questions About Your Bill

If  you  think  your  bill  is  wrong,  or  if  you  need  more  information
about a transaction on your bill, write us on a separate sheet at the
address listed on your bill. Write to us as soon as possible. We must
hear from you no later than 60 days after we sent you the first bill
on which the error or problem appeared. You can telephone us, but
doing so will not preserve your rights. 

In your letter, give us the following information:

•

•

•

Your name and account number.

The dollar amount of the suspected error. 

Describe  the  error  and  explain,  if  you  can,  why  you  believe
there  is  an  error.  If  you  need  more  information,  describe  the
item you are not sure about. 

If you have authorized us to pay your credit card bill automatically
from your savings or checking account, you can stop the payment on
any amount you think is wrong. To stop the payment your letter must
reach us 3 business days before the automatic payment is scheduled
to occur. 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your
Written Notice

We  must  acknowledge  your  letter  within  30  days,  unless  we  have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the bill was correct. 

After we receive your letter, we cannot try to collect any amount you
question, or report you as delinquent. We can continue to bill you for
the  amount  you  question,  including  finance  charges,  and  we  can
apply any unpaid amount against your credit limit. You do not have
to pay any questioned amount while we are investigating, but you
are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to
pay  any  finance  charges  related  to  any  questioned  amount.  If  we
didn’t  make  a  mistake,  you  may  have  to  pay  finance  charges,  and
you will have to make up any missed payments on the questioned
amount. In either case, we will send you a statement of the amount
you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may report
you as delinquent. However, if our explanation does not satisfy you
and you write to us within 10 days telling us that you still refuse to
pay, we must tell anyone we report you to that you have a question
about  your  bill.  And,  we  must  tell  you  the  name  of  anyone  we
reported you to. We must tell anyone we report you to that the matter
has been settled between us when it finally is. 

If we don’t follow these rules, we can’t collect the first $50 of the
questioned amount, even if your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES
If you have a problem with the quality of property or services that
you purchased with a credit card, and you have tried in good faith to
correct the problem with the problem with the merchant, you may
have the right not to pay the remaining amount due on the property
or services. There are two limitations on this right:

(a) You must have made the purchase in your home state or, if not
within  your  home  state,  within  100  miles  of  your  current
mailing address; and 

(b) The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or
if we mailed you the advertisement for the property or services. 

ISSUED BY:  *GEORGIA UNITED CREDIT UNION 
DISCLOSURES REQUIRED BY FEDERAL LAW

1.

FINANCE CHARGES
a) Calculation Methods – 
Balance Transfers: A
A 
Cash Advance:
Purchases:
G
(See  Periodic  Finance  Charge  calculation  method  for
calculation method descriptions)

b) Periodic  Rates  used  to  compute  FINANCE  CHARGES  –

0.825% per month
0.825% per month
0.825% per month

Balance Transfers:
Cash Advances:
Purchases:
Corresponding ANNUAL PERCENTAGE RATES –
Balance Transfers:
Cash Advances:
Purchases:

9.90%
9.90%
9.90%  

c) For  Cash  Advances  obtained  at  an  Automated  Teller
Machine  (ATM)  a  transaction  fee  may  be  imposed  by  an
ATM operator not holding your account or by any national,
regional or local network used to complete a Cash Advance
transaction. 

2. MINIMUM PAYMENT:

a) The minimum payment required is the New Balance shown
on  your  statement  if  the  amount  is  equal  to  or  less  than
$20.00

b) If the New Balance exceeds $20.00 the minimum payment is
3.00%  of  that  portion  of  the  New  Balance  which  does  not
exceed your credit limit. (rounded up to the nearest dollar),
or $20.00, whichever is greater, plus the entire portion of the
New Balance in excess of your credit union limit, plus any
amount past due.

3.

LATE CHARGES: If the minimum required payment is not
received  within  10  days  after  the  Closing  Date  subsequent  to
the payment Due Date, a late charge of $20.00 is imposed.

4. Documentary stamp taxes as may be required by law shall be

imposed on each Cash Advance at the time the loan is made.

5.

If you have other loans or credit extensions from Issuer, or take
out  other  loans  or  credit  extensions  with  Issuer  in  the  future,
collateral  securing  those  loans  or  credit  extensions  will  also
secure your obligations under this agreement. However, unless
you  expressly  agree  otherwise,  your  dwelling  will  not  secure
your  obligations  under  this  agreement  even  if  Issuer  has,  or
later  acquires,  a  security  interest  in  the  mortgage  on  the
dwelling. If you have executed a written agreement granting a
security interest in any deposit accounts (checking, savings, or
share  accounts)  or  other  funds  held  by  Issuer  to  secure  your
obligations to Issuer arising from the use of your Card, those
funds may not be withdrawn until Issuer agrees to release all or
part of the pledged funds. 

Rev 10/2014

W102

6.

SKIP-A-PAY FEATURE - Skip-A-Pay is an account feature

that  is  either  (a)  offered  to  eligible  cardholders  during  pre-
selected  months  during  the  year,  or  (b)  offered  at  a  time
selected  by  the  cardholder,  that  allows  you  to  skip  your
minimum  payment  for  that  billing  cycle  only. Your  statement
will display a payment of “$0.00” due for the applicable billing
cycle.  You  can  participate  by  requesting  to  skip  a  payment
within  the  prescribed  time-frame  in  advance  of  the  due  date.
Normally  a  minimum  payment  is  calculated  as  3%  of  the
outstanding balance due for that billing cycle. Just like with a
standard billing cycle, normal finance charges will continue to
accrue for any balance not paid in full by your due date. You
must  be  current  on  all  of  your  Georgia  United  Credit  Union
loans to be eligible to participate in the Skip-A-Pay program,
otherwise  a  Skip-A-Pay  will  not  be  offered  and  a  minimum
payment will be due.  Georgia United may limit the number of
Skip-A-Pays  allowed  during  a  calendar  year  and  will  not  be
granted for consecutive months. Unless the participating billing
cycle is pre-selected for you, a Skip-A-Pay request should be
made at least one week prior to the first due date of the month
that you want to skip a payment. Your account may be assessed
a  fee  for  participating  in  this  service.  See  the  Disclosure
accompanying  this  agreement  for  the  amount  of  the  Skip-A-
Pay Fee.

CHARGE 

FINANCE 

PERIODIC 
METHODS
The periodic Finance Charge Calculation Method applicable to your
account  for  Cash  Advances  and  Credit  purchases  of  goods  and
services that you obtain through the use of your Card is specified in
Section 1 on the Disclosure on the reverse side and explained below. 

CALCULATION

Method A – Average Daily Balance (including current transactions).
The  Finance  Charge  on  cash  advances  begins  from  the  date  you
obtained  the  cash  advance,  or  the  first  day  of  the  billing  cycle  in
which  it  is  posted  to  your  account,  whichever  is  later. There  is  no
grace period. The Finance Charges for a billing cycle are computed
by  applying  the  monthly  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 or cash advances, and subtract any payments, credits, non-
accruing  fees,  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. 

Method  G  –  Average  Daily  Balance  (including  current
transactions).  To  avoid  incurring  an  additional  Finance  Charge  on
the balance of purchases reflected on your monthly statement and,
on  any  new  purchases  appearing  on  your  next  monthly  statement,
you must pay the New Balance, shown on your monthly statement,
on or before the Payment Due Date. The grace period for the New
Balance of purchases extends to the Payment Due Date. The Finance
Charges for a billing cycle are computed by applying the monthly
Periodic  Rate  to  the  “average  daily  balance”  of  purchases  (and  if
applicable, cash advances). 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, credits, non-
accruing  fees,  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.

TERMS GOVERNING THE USE OF YOUR CARD
This person (“Cardholder”) whose name is embossed on the face of
the VISA (“Card”) enclosed herewith, and each Cardholder, in the
event  more  than  one  Card  is  enclosed  herewith  bearing  the  same
account number, by signing or using said Card, receipt of which is
acknowledged,  agrees  with  the  issuer  of  the  Card  whose  name  is
printed on the reverse (“Issuer”) as follows:

A. Goods and services (“Credit Purchases”) may be purchased or
leased  by  means  of  such  card  by  Cardholder  from  any  retail
(“seller”)  who  honors  same.
Business  establishment 
Additionally, VISA Cash Advances (“Loans”) may be obtained
through  use  of  such  Card  (a)  upon  execution  of  a  written
request of Cardholder in a form furnished to Cardholder from
any  financial  institution  that  is  a  member,  alone  or  in
association  with  others,  of  VISA  U.S.A.  Inc.  and  (b)  upon
execution  of  a  written  separate  agreement  with  Issuer  for  a
VISA overdraft financing agreement if offered by Issuer. 

B. Cardholder shall be liable and agrees to pay issuer for Credit
Purchases  made  by,  or  for  Loans  extended  to,  Cardholder  or
anyone else using such Card unless the use of such Card is by
a  person  other  than  the  Cardholder  (a)  who  does  not  have
actual, implied or apparent authority for such use, and (b) from
which Cardholder receives no benefit. Additionally, Cardholder
shall  be  jointly  and  severally  liable  and  agrees  to  pay  for  all
Credit  Purchases  and  Loans  obtained  through  the  use  of  any
other Card bearing Cardholder’s account number that has been
issued  to  another  person  by  reason  of  such  person  being  a
member  of  Cardholder’s  family,  or  otherwise  issued  upon
Cardholder’s request (all such Cards bearing the VISA account
number hereinafter collectively called “Related Cards”).

C. Each Card is the property of Issuer, is not transferable and must
be  surrendered  upon  demand.  It  can  be  canceled  as  well  as
repossessed by Issuer or its designee, and the privileges thereof
revoked, at any time without prior notice. 

D. Cardholder shall not use the Card or permit the use of Related
Cards to obtain Credit Purchases or Loans, which will increase
Cardholder’s indebtedness to Issuer to an amount in excess of
the limit established by Issuer. 

E. All Credit Purchases and Loans are affected at the option of the
Seller  and  Cash Advancing  Financial  Institution  respectively,
and Issuer shall not be responsible for refusal by any Seller or
Cash Advancing Financial Institution to honor the Card or any
Related  Card.  Any  refund,  adjustment  or  credit  allowed  by
Seller shall not be by cash but rather by a credit advice to Issuer
which  shall  be  shown  as  a  credit  on  Cardholder’s  account
statement with Issuer. 

F.

Issuer will send to Cardholder, at monthly intervals determined
by Issuer, a statement reflecting for the prior monthly period all
VISA and Related Card transactions. Such statement shall be
deemed correct and accepted by Cardholder and all holders of

G.

H.

Related  Card  unless  Issuer  is  notified  to  the  contrary  in
writing  within  60  days  of  mailing  of  such  statement.
Cardholder  will  pay  such  statement  by  remitting  to  Issuer
within 25 days of the closing date reflected on the statement
either  the  full  amount  billed  or,  at  Cardholder’s  option,  an
installment  equal  to  at  least  the  required  minimum  payment
stated in Section 2. 

Interest  on  Loans  will  be  charged  in  accordance  with  the
finance charge calculation method referred to in Section 1 of
the  disclosures  on  the  reverse  side. The  current  interest  rate
per annum is the Annual Percentage Rate set forth in Section
1 of the Disclosures. 

If the card is canceled or surrender is demanded by Issuer, or
if  Cardholder  defaults  in  any  payment  due,  or  is  deceased,
bankrupt  or  insolvent,  or  any  attachment  or  garnishment
proceedings are initiated against Cardholder or his property,
Issuer may elect to declare all amounts then owed to Issuer to
be immediately due and payable without notice or demand of
any kind. If Cardholder has other loans from Issuer, or takes
out  other  loans  with  Issuer  in  the  future,  collateral  securing
those  loans  will  also  secure  the  Cardholder’s  obligations
under  this  agreement  even  if  Issuer  has  or  later  acquires  a
security interest in the household goods or a mortgage on the
dwelling. Cardholder agrees to pay all costs incurred by Issuer
in  collecting  Cardholder’s  indebtedness  or  in  enforcing  this
agreement, including reasonable attorney’s fees and also those
costs,  expenses  and  attorney’s  fees  incurred  in  appellate,
bankruptcy  and  post-judgment  proceedings,  except  to  the
extent such costs, fees or expenses are prohibited by law.

I.

J.

This agreement may be amended from time to time by Issuer
by written notice mailed to Cardholder’s last known address. 

Except  to  the  extent  that  Federal  law  is  applicable,  the
validity, construction and enforcement of this agreement and
all  matter’s  arising  out  of  the  issuance  and  use  of  the  Card
shall  be  governed  by  the  laws  of  the  state  in  which  the
principal office of Issuer is located.

K. Additional  charges,  plus  applicable  taxes,  may  also  be
assessed  if  you  pay  us  with  a  check  not  honored  by  your
financial institution, request a copy of a document, request a
replacement  card  or  use  your  card  for  a  transaction  at  an
automated teller machine, if such charges are not prohibited
by law or regulation. No Finance Charge will be assessed on
such additional charges. 

L. Cardholder may be liable for the unauthorized use of the Card
or  Related  Cards  as  provided  in  this  paragraph.  The
Cardholder  will  not  be  liable  for  any  unauthorized  use  that
occurs after the Issuer is notified, orally or in writing at:

VISA Department
P. O. Box 100070
Duluth, GA  30096-9370

Telephone Number
(888) 493-4328

If Cardholder has a consumer account or a business account
for  which  cards  have  been  issued,  Cardholder’s  liability  for

Interest Rates and Interest Charges 

Visa Platinum Account 

Annual Percentage Rate (APR) for 
Purchases 

9.90% 
This APR is effective as of January 1, 2012 

APR for Balance Transfers 

APR for Cash Advances 

9.90% 
This APR is effective as of January 1, 2012 

9.90% 
This APR is effective as of January 1, 2012 

Penalty APR and When it Applies 

Not applicable 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We 
will not charge you 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. 

Minimum Interest Charge 

There is no minimum 

For  Credit Card Tips from the 
Consumer  Financial  Protection 
Bureau 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

•  Balance Transfer 

•  Cash Advance 

•  Foreign Transaction 

Penalty Fees 

•  Late Payment 

•  Over-the-Credit Limit 

•  Returned Payment 

None 

None 

None 

None 

$20.00 

None 

$15.00 (from self) / $5.00 (from other) 

Other Fees – Skip-A-Pay 

$25.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new 
purchases)”.  See your account agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement. 

200-210 

Georgia United Credit Union • P. O. Box 100070 • Duluth, GA 30096-9370 • 888-493-4328 • www.georgiaunitedcu.org 

Rev: 10/14