SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 1 of 12  
 
Visa Platinum Rewards 
Credit Card Disclosures  
Effective  June 3, 2022  
Interest Rates and Interest Charges  
Annual Percentage 
Rate (APR) for 
Purchases  0.00%  introductory rate for the first 12 billing cycles after a new account is opened.  
On the first day after 12 billing cycles from account opening, your APR will revert to your 
approved rate, which will vary with the market based on the Wall Street Journal prime  rate. 
Rates range from 9.74%-18.00%* based on credit worthiness and pr ime rate. 
APR for Balance 
Transfers  1.99% introductory rate on balance transfers for the first 12 billing cycles after a new 
account is opened.  
On the first day after 12 billing cycles from account opening, your APR will revert to your 
approved rate, which will vary with the market based on the Wall Street Journal prime rate.  
Rates range from 9.74%-18.00%* based on credit worthiness and prime rate.  
APR for Cash Advances  The APR for cash advances is 9.74%-18.00%*  
This APR will vary with the market based on the Wall Street Journal prime rate and is 
based on credit worthiness at the time of account opening.  
Penalty APR and When 
It Applies  The penalty APR is 18.00% . This APR may be applied to your account if you:  
(1) Make a Late  Payment  
(2) Go Over Your Credit  Limit  
(3) Make a Payment that is Returned;  or 
(4) Do any of the above on Another Account You have with  Us. 
How Long will the Penalty APR Apply? If your APRs are increased for any of these 
reasons, the Penalty APR will apply until you make 6 consecutive minimum payments 
when due; and you do not again default on these conditions during this time.  
Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on purchases 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 
Payment  If you are charged interest, the charge will be no less than $0.01 . 
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 Fina ncial Protection Bureau at: 
http://consumerfinance.gov/learnmore.  
 
 
 
 
 
SEE PAGE TWO FOR MORE IMPORTANT INFORMATION ABOUT YOUR ACCOUNT   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 2 of 12  Fees  
Annual Fee  None  
Transaction Fees  Balance Transfer Fee: 2% of each advance with $10.00 minimum  
Express Card Fee: $25.00  
Receipt Copy: $2.00 per receipt  
Lost or Stolen Card Replacement: $15.00  
Statements: $2.00 per statement  
Cash Advance Fee: 2% of each advance with $10.00 minimum  
Foreign Transaction Fee: 1% of each international transaction in US Dollars  
Research Fee: $10.00 per hour (2 -hour minimum)  
Pay by Phone: $5.00  
Penalty Fees  Late Payment Fee: up to $38.00 applied on any portion past due 3 days after due date  
Over -the-Credit Limit Fee: $0.00  
Returned Payment Fee: $25.00  
*APR applicable to your account is determined by your credit worthiness based on your Equifax Beacon Score at the time 
of application. Variable Rate Feature: The Visa credit cards have a variable rate feature, meaning that the APR 
(corresponding to the per iodic rate) and the term of your Visa loan may change due to interest rate fluctuations. The APR 
includes only interest and no other costs. Changes in prime rate will cause changes in the APR as of the first day of your 
account's billing cycle following an  index change. In no case shall any APR be less than 8.99% or higher than 18.00% 
regardless  of the applicable  index  and margin,  unless  specifically  applicable  laws and/or  regulations  require  we use a lower 
APR.  
 
Monthly  Annual  Minimum Payment   Monthly  Tier Annual  Minimum  
Periodic  Percentage   Periodic Rate   Percentage  Payment  
Rate  Rate*     Rate*   
0.8116 % - 9.74% - 2.0% of balance or  Shaded boxes represent promotional rates for the first 12  
1.50%*   18.00%*   $25 minimum  months of newly opened accounts  
0.00%  0.00%1 2.0% of balance or  0.005452%   1.99%2 2.0% of balance  
  $25 minimum    or $25 minimum  
1 Introductory rate offered on purchases for the first 12 billing cycles a new account is open.  
2 Introductory rate offered on balance transfers for the first 12 billing cycles a new account is open.  
1 & 2 Beginning on the first day of the 12 billing cycles after the account has been open, purchases and cash advances will 
be subject  to the approved  interest  rate and any changes  based on Wall Street  Journal  prime  disclosed  at account  opening.  
 
How we will calculate Your Balance: We will 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.  
 
Security Interest: The credit union will acquire a security interest in the property purchased with your credit card ; 
and collateral  securing  other  loans  with us may also secure  this account.  Also,  you are giving  us a security  interest 
in all individual and joint share and/or deposits accounts you have with us now or in the  future.  
 
The information about the costs of the card described in this application is accurate as of June 3, 2022 . This 
information may have changed after that date. To find out what may have changed, call 800 -763-8600 or 803 -469- 
8600, visit SAFEFED.ORG, or write SAFE Federal Credit Union, P. O. Box 2008, Sumter, SC 29151 -2008.   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 3 of 12  Please keep this Addendum as it is incorporated into and becomes a part of your LOANLINER� Open -End Plan.  
 
CREDIT CARD AGREEMENT AND DISCLOSURES  
Visa� Platinum Rewards  
 
THIS IS YOUR AGREEMENT AND DISCLOSURE 
STATEMENT WITH SAFE FEDERAL CREDIT UNION. 
PLEASE READ IT CAREFULLY AND KEEP IT FOR 
YOUR RECORDS. IT SUPERSEDES ALL PRIOR 
AGREEMENTS AND DISCLOSURE STATEMENTS 
RELATING TO YOUR ACCOUNT. YOU DO NOT HAVE 
TO SIG N THIS AGREEMENT. YOUR AGREEMENT TO 
ALL OF THESE PROVISIONS, AS AMENDED FROM 
TIME  TO TIME  INCLUDING  THE CARD  ISSUED  BY US, 
WILL BE SHOWN BY YOUR APPLICATION FOR THE 
CARD, YOUR ACCEPTANCE OF THE CARD, OR 
YOUR USE OF THE CARD, WHICHEVER OCCURS 
FIRST.  
 
 
1. DEFINITIONS USED TO UNDERSTAND YOUR 
AGREEMENT WITH US 
 
In this Agreement, the word "Card" means either one or 
more Visa credit cards and any duplicates, renewals or 
substitutions we issue. The words, "you," "your," and 
"yours" mean all cardholders (borrowers and co - 
borrowers); anyone any cardholder permit s to use the 
Card(s); as well as any authorized user for whom an 
additional Card(s) is issued to the extent of their 
purchases  and cash  advances,  as well as transactions  by 
anyone they permit to use the Card(s). The word 
"cardholder" means any applicant or  co-applicant to 
whom a Card is issued by us. The words "Credit Union," 
"we," "us," and "our" mean SAFE Federal Credit Union. 
The words "Convenience Checks" mean one or more 
checks that we may send to you to access your Credit 
Card  Account. �Applicable  L aw�  shall include:  �(i)  Visa 
U.S.A. Inc. Bylaws, Visa U.S.A. Inc. Operating 
Regulations, Visa U.S.A. Inc. Certificate of Incorporation, 
Visa International Bylaws, and Visa International 
Operating Regulations; and (ii) any and all laws, treaties, 
rules, regulations, or regulatory guidance of the 
government of the United States, any state thereof, or  of any applicable  foreign  government  or state  thereof,  as the 
same may be amended and in effect from time to  time.  
 
2. YOUR PLEDGE OF SHARES AND SECURITY  
INTEREST FOR YOUR LOAN  ADVANCES  
 
 
Security Agreement � Non-Purchase Money Security 
Interests:  Payments  on your Account  are secured  by any 
security interest in any property securing your other 
obligations  to the Credit  Union,  whether  existing  now or in 
the future,  except  your household  goods  and your primary 
residence.  
Security Agreement � Purchase Money Security 
Interests: You hereby grant Credit Union security interest 
in all property purchased/acquired by you or any  THIS AGREEMENT IS SUBJECT TO BINDING 
MANDATORY ARBITRATION AS SET FORTH IN 
YOUR MEMBERSHIP ACCOUNT AGREEMENT 
AND DISCLOSURES. THIS ARBITRATION 
PROVISION SUBSTANTIALLY LIMITS YOUR 
RIGHT  TO BRING  A LEGAL  ACTION  IN A JUDICIAL 
FORUM (EXCEPT FOR MATTERS THAT MAY BE 
BROUGHT IN SMALL CLAIMS COURT AS SET 
FORTH IN THIS AGREEMENT. SEE YOUR 
MEMBERSHIP AGREEMENT WHICH IS 
INCORPORATED HEREIN BY REFERENCE FOR 
COMPLETE  DETAILS.  
BY SIGNING AN APPLICATION, ACCEPTANCE 
OR AUTHORIZED USE OF ANY CREDIT CARDS, 
YOU  GRANT  AND  PLEDGE  A CONSENSUAL  LIEN 
TO US ON ALL SHARES TO SECURE PAYMENT 
OF YOUR  OBLIGATIONS  ON THIS  ACCOUNT.  IN 
ADDITION,  YOU 
STATUTORY   LIEN  
ACKNOWLEDGE  
RIGHTS  
UNDER  
OUR 
THE 
FEDERAL CREDIT UNION ACT; YOU AGREE 
THAT SUCH A LIEN IS IMPRESSED AS OF THE 
DATE THAT THIS ACCOUNT IS OPENED; AND 
YOU  AGREE  THAT  WE CAN  APPLY  THE SHARES 
PLEDGED AT THE TIME OF ANY DEFAULT ON 
THIS A CCOUNT WITHOUT FURTHER  NOTICE.  
 
�Shares�  for the purpose  of your  pledge  to secure 
your obligations to the Credit Union means all 
deposits in any share savings, share draft, club, 
certificate, P.O.D., revocable trust or custodial 
account(s), whether jointly or individually held -- 
regardless of contributions, that you have on 
deposit  now or in the future.  Your  pledge  does  not 
include  any I.R.A.,  Keogh,  tax escrow,  irrevocable 
trust or fiduciary account in which you do not 
have a vested ownership  inter est. 
 
MILITARY  LENDING  ACT PARTIAL  EXCEPTION:  If 
you or your dependents are expressly covered 
and entitled to the protections provided by the 
Military Lending Act then NO PLEDGE OF 
SHARES OR LIEN ON SHARES APPLIES  EXCEPT 
FOR A SHARED SECURED CREDIT CARD FOR 
WHICH YOU EXECUTE  A SEPARATE  SECURITY  
AGREEMENT. Any provisions of the Agreement 
(below)  that address  the items  expressly  excepted 
in any section  to the contrary  also do not apply  to 
such  Loans.   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 4 of 12  authorized user pursuant to the use of this Account, 
including a purchase -money security interest in any 
household goods purchased/acquired with an extension 
of credit upon this Account. These Purchase -Money 
Security Interests shall secure faithful performance of all 
obligations arising under this Agreement; and the Credit 
Union shall  have all of the rights of a secured party in 
accordance with Article Nine of the Uniform Commercial 
Code and/or other applicable law.  
 
3. HOW TO USE THIS  ACCOUNT  
 
You must sign the Card in order to use it. You can 
purchase  or lease  goods  and services  ("Purch ases")  from 
any merchant  who honors  your Card  up to your maximum 
credit limit by presenting your Card and signing a sales 
slip or writing  a Convenience  Check  for the amount  of the 
Purchase. You may also use the Card to obtain cash 
loans ("Cash Advances") up to your maximum credit limit 
from financial institutions that accept the Visa credit  card, 
and by use of preprinted Convenience Checks that the 
Credit Union may issue to you. You agree not to present 
your Card,  obtain  a Cash  Advance  or write  a Convenience 
Check for any extension of credit in excess of your 
available Credit Limit (the difference between your 
outstanding balance and your maximum credit limit) on 
your account. Cash advance, convenience checks, and 
balance transfers may not be use d to pay off  any debt 
owed to SAFE Federal Credit Union. Certain purchases 
and cash advances require authorization prior to 
completion of the transaction. In some cases, you  may be 
asked to provide identification. If our system is not 
working, we may not b e able to authorize a transaction, 
even though you have sufficient credit available. Also,  for 
security reasons, we may block the use of your Card in 
certain countries or geographic areas. We will have no 
liability to you or others if any of these events  occur.  
 
You authorize  us to honor  any Purchase  or Cash  Advance 
you make  by telephone  or mail on this account.  You agree 
that a signature is not necessary as identification in such 
cases.  We reserve  the right to refuse  to honor  any request 
for credit, to re duce your credit limit or terminate your 
account at any time using our sole discretion, based on 
changes in the economy, the Credit Union's financial 
condition, your creditworthiness or for any other reason 
not prohibited by  law. 
 
 
4. ATM  ACCESS   
If you have received a personal identification number 
(PIN), you may use your Card and PIN to obtain Cash 
Advances at any Automatic Teller Machine ("ATM") that 
accepts your Card. Your PIN is con fidential and should 
not be disclosed to anyone. You agree not to write your 
PIN on your Card, you will not keep your Card and PIN 
together,  and you will not provide  your PIN to anyone  who 
is not an authorized user. Except as otherwise provided 
in this agr eement, advances through ATM access will be 
treated as Cash Advances under this Agreement. 
Advances  at authorized  ATM's  are limited  to a total of 
$510.00 during any 24 - hour period. The total of all cash 
advances  on your Visa Account  and any withdrawals  from 
your other accounts through an ATM in any 24 -hour 
period  may be combined  for the purpose  of this limitation. 
Although we do not charge a fee for this service, others 
may.  Owners  of ATMs  that we do not own may charge 
fees in addition to any fees disclosed in this 
Agreement. This is not a fee charged by your Credit 
Union; however, any such fee will be added to your 
account. The party charging the fee is required to 
provide  appropriate  disclosures  to you with regard  to 
any such  fees.  
 
5. YOUR MAXIMUM CREDIT  LIMIT  
 
Your maximum credit limit will appear on the folder in 
which you receive your Card and on your monthly 
statement. At our discretion, we may change your credit 
limit at any time, and may provide separate limits for 
purchase s and for cash  advances.  We will notify  you if we 
do, either by mail or through your monthly billing 
statement. You may request a change to your credit limit 
by contacting  the Credit  Union  by telephone  or mail.  Your 
continued  use of the card will show  your agreement  to any 
such increase. If you object to an increase in your credit 
limit, you must  notify  Credit  Union  in writing.  Upon  receipt 
of such notice, your credit limit will be reduced to its prior 
limit; however,  you will be responsible  to pay any amounts 
by which  you have  exceeded  the reduced  limit. You agree 
to pay any amounts you owe that exceed your maximum 
credit balance upon demand. You agree we are not 
obligated to extend to you credit for any amount that 
would cause your outstanding balance to exceed your 
Maximum Credit Limit, or for any amount if your 
outstanding balance already exceeds your Maximum 
Credit Limit. Any increase in your Maximum Credit Limit 
requested by you will require you to make a written 
application for our approval. In assessing your credit limit 
under the provisions in this Section (either at our 
discretion  or upon  request):  (a) we may and you authorize 
us to review  your credit  history,  including  consumer  credit 
reports; (b) you authorize us to have thi s review made by 
third parties to determine whether you meet the criteria 
we have set for such an increase; and (c) this process 
shall not be pre-screening  under  the Fair Credit  Reporting 
Act or other applicable laws or regulations based on our 
existing re lationship and this  Agreement.  Transactions Involving Cryptocurrencies 
Prohibited  
Due to the many risks associated with 
cryptocurrencies such as Bitcoin we have blocked all 
transactions involving cryptocurrencies. This means 
that you will not be able to perform any transactions 
involvin g cryptocurrencies with any Card issued by 
us.  SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 5 of 12   
Credit  balances  in excess  of $1.00  will be refunded  to you 
by mailing  a check  to the address  to which  statements  are 
provided payable to the order of any cardholder or as a 
deposit to your primary savings account. You agree that 
the Maximum Credit Limit will at no time exceed the 
agreed upon amount, and that any credit balance will not 
be available or increase the Maximum Credit Limit 
available  for new purchases  or cash  advances  during  any 
billing cycle.  
 
6. GENERAL  TERMS  GOVERNING  YOUR  PAYMENTS  
 
You will be jointly and severally liable and agree to pay 
the Credit Union for all charges (purchases, cash 
advances, finance charges, and other charges added to 
your Account under the terms of this or any other 
agreements with us) extended to you or anyone else 
using  any Card  issued  for your account,  unless  the use of 
such Card is by a person other than you, who does not 
have actual, implied or apparent authority for such use 
and from which  you receive  no benefit.  Authority  includes, 
but is not limited to, any authorized users permitting 
another person to use any Card(s). Further, all users are 
obligated to us for all charges they make, authorize or 
permit. The Credit Union can accept late or par tial 
payments  as well as payments  that are marked  with "paid 
in full" or other restrictive endorsements, without losing 
any of our rights  under  this Agreement.  You must  pay the 
Credit Union in U.S. dollars drawn on funds on deposit in 
the United States. The Credit Union will determine the 
method  of applying  payments  and credits  to your account, 
which will in all respect comply with any specific 
requirements of applicable laws. If you make payment 
with other currencies or from an institution domici led 
outside the United States, then your payment will not be 
credited until the funds have been collected by us in U.S. 
dollars. If you make a payment on this account utilizing a 
check,  you authorize  us either  to use the information  from 
your check to make  a one -time electronic fund transfer 
from your checking/deposit account or to process the 
payment as a check transaction. When we use 
information from a check to make an electronic funds 
transfer, funds may be withdrawn from another financial 
account possi bly the same day you make your payment, 
and you will not receive your check back from your 
financial  institution.  For inquiries,  or to opt out of one-time 
electronic fund transfers, please contact us at 
1.800.763.8600.  
 
Unless  otherwise  required  by specifi cally applicable  laws, 
for payments received by mail by 5:00 PM EST, you will 
receive credit that day; and for payments made in any 
other manner, including in person, your account will be 
credited the day payment is  received.  
 
Please allow at least seven (7) days for the U.S. Postal 
Service to deliver your payment.  To protect you and us, the Credit Union, in its sole 
discretion,  may place  a temporary  freeze  on all or part 
of the credit available to you for new purchases or 
cash advances under this a greement any time the 
Credit Union receives a large payment ($1,000.00 or 
more), by a method other than cash, certified funds 
or electronic  transfer.  In such  cases,  the Credit  Union 
may freeze your credit line until payment is actually 
collected by  us. 
 
Maximum Fees During the First Year: During the first 
year after the credit  card is opened  the total fees charged 
to your credit card will not exceed 25% of the credit limit 
in effect when the account is opened. This limit does not 
apply to late payment fees, over -limit fees or returned 
payment fees or other fees the consumer is not required 
to pay with respect to the account such as an expedited 
payment for making a payment by phone. However, the 
limit does apply to cash advance fees, balance tra nsfer 
fees and foreign transaction  fees.  
 
7. MINIMUM PAYMENT  DUE  
 
You can pay off your account balance in full each month 
or you can pay in monthly installments. If you do not pay 
your balance in full, you agree to pay at least a minimum 
payment of 2% of your  New Balance (rounded to the 
nearest whole dollar) or $25.00, whichever is greater at 
the end of each statement period. If the New Balance 
shown on your periodic statement is $25.00 or less, you 
agree to pay this amount. Unless the Credit Union takes 
other  action  as a result  of a default  under  this Agreement, 
the Minimum Payment Due will also include any amount 
that is past due and any amount by which your new 
balance exceeds your credit limit. Payment Allocation: 
Subject  to any mandatory  provisions  of applicable  law we 
will apply your minimum payment to previously billed 
unpaid  finance  charges;  late charges  and similar  charges; 
balance  with the lowest  interest  rate; Cash  Advances  and 
Purchases. You must pay the minimum payment on or 
before the due date each month, but you may pay more 
with all of the excess payment being applied to highest 
APR balances. You must pay at least the minimum 
payment each month, but you may pay more than that 
amount  at any time without  a penalty.  The sooner  you pay 
your new balance,  the less you will have  to pay in finance 
charges. The "Payment Due Date" will be shown on your 
periodic  statement.  
 
Grace Period for Repayment of The Balance for 
Purchases and Cash Advances : Grace period for 
repayment of the balance for purchases and cash 
advances is 25 days from the close of the billing cycle. 
See your statement for billing cycle date.  
 
8. RETURNS AND ADJUSTMENTS REGARDING 
YOUR TRANSACTION WITH  MERCHANTS   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 6 of 12  Merchants and others who honor your Card may gi ve 
credit for returns or adjustments, and they will do so by 
sending  the Credit  Union  a credit  slip which  will be posted 
to your Account. If your credits and payments exceed 
what  you owe the Credit  Union,  the amount  will be applied 
against  future  purchases  and cash  advances.  If the credit 
balance  amount  is $1.00  or more,  it will be refunded  upon 
your written request. Credit balances under $25.00 will 
automatically be refunded within six months. Credit 
balances  over $25.00  will be refunded  automatically  each 
month after statement cycle  closing.  
 
9. ADDITIONAL CHARGES FOR TRANSACTIONS IN 
A FOREIGN CURRENCY AND CROSS -BORDER 
TRANSACTIONS  
 
Conversion Fee: If you effect or authorize a transaction 
with your access device in a currency other than US 
Dollars, Visa will convert the charge into a US Dollar 
amount. The Visa currency conversion procedure 
includes use of either a government mandated exchange 
rate, or a wholesale exchange rate selected by Visa, as 
applicable. The exchange rate Visa uses will be a rate in 
effect on the day the transaction is processed. This rate 
may differ from the rate in effect on the date of the 
purchase or the date the transaction was posted to your 
account. A Currency Conversion Fee of up to 1% will be 
applied to transacti ons that are converted from foreign 
currencies to U.S. dollars.  
 
Cross -Border Transaction Fee: In addition, Visa 
charges  us a Cross -Border  Assessment  up to 1% on each 
transaction on all cross -border transactions regardless of 
whether there is a currency co nversion. For purposes of 
this Section, �cross -border transaction� shall include  both 
(a) transactions initiated in a foreign country which are 
subsequently settled in the United States, and (b) 
transactions initiated in the United States but which are 
ultimately  settled  in a country  outside  of the United  States. 
The Credit Union will assess these fees to you to 
reimburse  it for the fee it is required  to pay for each  of your 
transactions subject to these terms. The Cross -Border 
transaction fee will be shown separately on your periodic 
billing statement. The Currency Conversion Fee, if it 
applies to the transaction, will be included in the 
transaction amount posted on your statement.  
 
10. FINANCE  CHARGES  
 
FINANCE CHARGES WILL BE IMPOSED IN THE 
FOLLOWING MANNER AND WILL BE IN AMOUNTS 
NOT IN EXCESS OF THOSE PERMITTED BY LAW:  
 
(a) Purchases: (1) No finance charge will be imposed 
during the next billing cycle (defined as the time interval 
between regular monthly billing statement dates) if you 
pay the entire new balance  shown  on the current  periodic 
statement and we receive your payment on or before the 
payment  due date shown  on the statement.  (2) In all other  cases, a finance charge will be imposed based on the 
average daily balance of all purchases and debit 
adjustments, hereafter referred to as purchases. The 
average daily balance is the sum of all outstanding 
purchases, which is determined by including new 
purchases and deducting payments or credits and 
excluding any unpaid finance charge  for your Account on 
each  day of the billing  cycle  divided  by the number  of days 
in the billing cycle. A purchase appearing on the periodic 
statement  is considered  a part of the outstanding  balance 
from the date of posting. (3) The amount of the finance 
charge is calculated by multiplying the average daily 
balance for purchases by the monthly periodic rate. The 
monthly periodic rate is the yearly interest rate divided  by 
12. 
 
(b) Cash Advances: (1) No finance charge will be 
imposed during the next bil ling cycle (defined as the time 
interval between regular monthly billing statement dates) 
if you pay the entire new balance shown on the current 
periodic statement and we receive your payment on or 
before the payment due date shown on the statement (2) 
In all other  cases,  a finance  charge  will be imposed  on the 
average  daily balance  of cash  advances,  which  is the sum 
of the cash advances (determined by including new cash 
advances and deducting any payments or credits and 
excluding any unpaid finance charge) outstanding each 
day during  the billing  cycle,  divided  by the number  of days 
in the billing cycle. A cash advance appearing on the 
periodic  statement  is considered  a part of the outstanding 
balance from the transaction date. (3) The amount of 
finan ce charge is calculated by multiplying the average 
daily balance for cash advances by the monthly periodic 
rate. The monthly periodic rate is the yearly interest rate 
divided by  12. 
 
11. PROMOTIONAL RATE FINANCE  CHARGES  
 
From time to time and in our sole discr etion we may offer 
a special rate applicable to certain transactions such as 
particular purchases (as defined by us), balance 
transfers, cash advances or purchases made by using 
Convenience Checks. Applicable terms and conditions 
will be disclosed  at the time any such  promotion  is offered, 
and are incorporated into this Agreement by reference. 
The promotional rate will apply only to the transactions 
and for the period of time set forth in any such offer from 
us. Existing  balances  and new purchases  or advances  not 
expressly subject to any such promotion will remain 
governed by the terms and conditions of this Agreement. 
In addition, the terms and conditions of this Agreement 
will govern  your obligations  regarding  any unpaid  balance 
or transactions that a re made subject to any such 
promotional offer, that are not fully paid within the time 
period set forth in such promotional  offer.  
 
12. INTEREST  RATE  ADJUSTMENT  (DEFAULT  RATE)   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 7 of 12  The Credit Union will adjust the interest rate on your 
account whenever your account is 60 days past due. We 
will change your interest rate to a fixed rate of 18.00% 
annual percentage rate (APR) (or less in the Credit 
Union�s discretion) which is a monthly  periodic rate of 
1.50%, on the first day of the billing cycle following the 
cycle  that was 60 days  past due. After  six (6) consecutive 
billing cycles of your account being paid pursuant to the 
terms of your agreements with the Credit Union, we will 
change the interest rate to the rate that is then  applicable 
to your account, which will become effective on the first 
day of the billing cycle following the sixth consecutive 
billing  cycle.  
 
13. MONTHLY STATEMENT  
 
We will send you a monthly billing statement whenever 
there is activity on your account. Your monthly statement 
will show an itemized list of current charges (Purchases 
and Cash Advances) and Convenience Check 
transactions to your account, your new balance, any 
Finance Charges, the minimum payment du e, and the 
payment due date. In addition, it will show your current 
credit limit, payments, and credits, a summary showing 
your Purchases and Cash Advances, the merchant, 
electronic terminal or financial institution at which 
transactions were made, as well  as other information 
concerning your account. Sales, Cash Advance, credit or 
other slips cannot be returned with any statement. You 
will retain a copy of such slip furnished at the time of the 
transaction in order to verify your monthly statement.  
 
E-Statements: If provided electronically, you will be sent 
a notice  via e-mail that will direct  you to a site we maintain 
or cause  to be maintained  where  you may access,  review, 
print and otherwise copy / download your periodic 
statements using procedures that we authorize. E -mails 
from us will be sent to the e-mail address  provided  by any 
owner.  
 
14. ADDITIONAL  BENEFITS  / CARD  ENHANCEMENTS  
 
The Credit Union may from time to time offer additional 
services to your Account, such as travel accident 
insurance, purchase rewards or rebates at no additional 
cost to you. You understand that the Credit Union is not 
obligated to continue or to offer such services and may 
withdraw  or change  them  at any time.  If these  benefits  are 
withdrawn prior to any accrued u se by you, the Credit 
Union will have no obligation to provide the benefit or 
enhancement, or any other compensation or 
consideration.  
 
15. MERCHANT  DISPUTES  
 
The Credit Union is not responsible for the refusal of my 
merchant  or financial  institution  to honor  your Card  except 
as set forth in the Special Rules for Credit Card Purchases 
set forth at the end of this  Agreement.   
16. LATE PAYMENT FEE  
 
Credit Union will charge your account a late payment fee 
up to $27.00 for the first billing period in which your 
minimum payment is not received within three (3) days  of 
your payment due date. The credit union will charge you 
a fee up to $38.00 for any additional late payments  within 
six (6) months of the first late fee. This fee may be  added 
to your account balance, or collected from you on 
demand.  
 
17. RETURNED PAYMENT OR INSUFFICIENT  FUNDS 
FEE 
 
Credit  Union  will charge  your account  a $25.00  fee if your 
payment by any method, including check, electronic 
transfer, home banking transaction or otherwise, is not 
honored, collected by us, or if we must return it to you 
because it cannot be processed for any reason. This fee 
may be added to your account balance, or collected from 
you on  demand.  
 
18. CHARGE FOR COPIES, RESEARCH AND CARD 
REPLACEMENT  
 
If you ask for a copy of any document, such as a sales 
slip, Convenience  Check,  or billing  statement,  a charge  of 
$10.00 per hour may be imposed for the time it takes to 
research and locate the document, with a two -hour 
minimum.  In addition,  a copying  fee of $2.00  per copy  will 
be imposed. However, no charge will be imposed in 
connection with any actual or asserted billing error. We 
will charge a $15.00 fee to replace a lost  card.  
 
19. YOUR RESPONSIBILITY AND LIABILITY FOR 
UNAUTHORIZED USE AND LOST OR STOLEN 
CARDS OR CONVENIENCE  CHECKS  
 
If your Card or Convenience Checks are lost or stolen,  or 
if you are afraid someone used or may use them without 
your permission,  you must  notify  the Credit  Union  at once 
by calling us at 1.800.449.7728. If notice is given orally, 
you will promptly confirm it in writing. The Credit Union 
may require you to provide us certain information in 
writing to help us investigate any unauthorized use. 
Further, you agree to coope rate and assist us or any 
government or law enforcement agent or agency in 
investigating, collecting or pursuing any other rights (civil 
and criminal) relating to any unauthorized use. In this 
regard,  you agree  to file an appropriate  police  report  when 
asked to do so. Do not use the Card or the Convenience 
Checks after you have notified the Credit Union, even if 
you find them or have them returned to  you. 
You are liable for all transactions that you authorize.  
 
No Liability: You will have no liability for u nauthorized 
use of your Card, Convenience Checks or other Access 
Devices for non -ATM transactions made over the Visa   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 8 of 12  Network. HOWEVER - your liability with respect to 
unauthorized transactions may be greater than the 
above zero ($0.0 0) liability limit, to the extent allowed 
under applicable law, if the credit union reasonably 
determines, based on substantial evidence, that you 
were negligent or fraudulent in the handling of your 
account or card . 
 
Limited Liability: For transactions on  other networks or 
ATM transactions, you may be liable for unauthorized 
transactions using your Card, Convenience Checks or 
other Access Devices that occur before we are notified. 
However, your liability for unauthorized use on networks 
other than Visa wil l not exceed $50.00. In any case, you 
will not be liable for any unauthorized use after notifying 
us of the loss, theft or unauthorized use of your Card, 
Convenience Checks or other Access Devices.  
 
20. OUR LIABILITY FOR FAILURE TO COMPLETE 
TRANSACTIONS  
 
If we do not complete a transaction pursuant to any 
request, and/or in the correct amount, we may be liable 
for your losses or damages. However, there are some 
exceptions. We will not be liable, for instance:  
 
� if through no fault of ours, you do not have 
adeq uate funds available on your Card to 
complete the  transfer;  
� if circumstances  beyond  our control  (such  as fire, 
flood, terrorist attack, national emergency, or 
computer or communication failure) prevent the 
completion  of the transaction,  despite  reasonable 
precautions we have  taken;  
� if access  to your Card  has been  blocked  after you 
reported your Card lost or stolen;  
� if there is a hold on your Card for any  reason;  
� if your funds are subject to legal process or  other 
encumbrance restricting their  use; 
� if your transfer authorization terminates by 
operation of  law; 
� if a computer system or mobile device was not 
working properly and you knew about the 
problem when you initiated the  transaction;  
� if we have reason to believe that the requested 
transaction is not authorized;  or 
� as otherwise provided in this  Agreement.  
 
21. WHAT THE CREDIT UNION MAY DO IF YOU DO 
NOT MEET YOUR OBLIGATIONS UNDER THIS 
AGREEMENT  (DEFAULT)  
 
You will be in default if: (a) you fail to pay the Minimum 
Payment Due by the Payme nt Due Date; (b) the Credit 
Union, in its sole discretion, feels insecure (For example: 
Our good faith belief that your ability to pay your account 
is impaired; use of your account in any manner or in any 
way that may expose the Credit Union to a risk of l oss; etc.); (c) your ability to repay is materially reduced by a 
change in your employment, by an increase in your 
obligations, by bankruptcy or insolvency proceedings 
involving you, by your death, or (for community property 
state residents only) by a cha nge in marital status or 
domicile; (d) you exceed your credit limit without our 
permission; (e) you have made a false or misleading 
statement to us in your application or otherwise; (f) you 
are in default under any other agreement with us; (g) if 
you use o r authorize the use of any Card(s) to make or 
facilitate any illegal transaction; or (h) you fail to perform 
any of your other obligations under the terms of this 
Agreement  as it may be amended  from time to time.  Upon 
default we may close your Account to f uture purchases 
and advances and, to the extent not prohibited by 
Governing Law, demand immediate payment of your 
entire Account balance, after giving you any notice and 
opportunity to cure the default if required by applicable 
law. The Credit Union's sole  obligation hereunder with 
regard to determining and declaring an event of default  is 
the exercise of "good faith," based on its subjective 
understanding of applicable facts. We shall also have  the 
right to close your account and terminate access 
privileges where your account is inactive for such  periods 
of time as we may from time -to-time determine to be 
appropriate for protecting both our and your  interests.  
 
22. WHEN YOU MAY BE RESPONSIBLE FOR LEGAL 
AND OTHER COSTS  
 
You agree to pay all costs incurr ed by the Credit Union  in 
collecting any amounts you owe or in enforcing or 
protecting  the Credit  Union's  rights  under  this Agreement, 
including attorneys' fees of 20% of the unpaid balance or 
such greater sum as may be reasonable, and also those 
costs, ex penses and attorneys' fees incurred in any 
appellate, bankruptcy and post -judgment proceedings, 
except as limited or prohibited by applicable  law. 
 
23. UPDATING  AND  DISCLOSING  FINANCIAL 
INFORMATION  
 
We may report your performance under this Agreement 
to credit reporting agencies and secure follow -up credit 
reports on you for any legitimate business reason, 
including if you fail to make your minimum payments on 
time. We can reinvestigate and reevaluate any 
information you provide on your Visa Application a t any 
time, and in the course of doing so, we may ask you to 
provide additional information, request credit bureau 
reports and/or otherwise verify your current credit 
standing.  
 
Access to Account Information: You agree that all 
borrowers and authorized use rs will have access to 
information regarding transactions on your account, 
including  but not limited  to purchases  and cash  advances, 
account  balances,  account  history,  payments  and other   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 9 of 12  information relating to or arising with regard to this 
account or any transaction.  
 
24. CHANGE  OF NAME,  ADDRESS  OR EMPLOYMENT  
 
You will notify immediately the Credit Union in writing if 
your name, home address or employment changes.  
 
25. CORRECTING THE CREDIT UNION�S CREDIT 
REPORT  
 
If you think the Credit Union reported erroneous 
information  about  you to a credit  reporting  agency,  call the 
Credit Union at the telephone number listed on your 
monthly billing statement. Credit Union will promptly 
investigate the matter. Credit Union will contact each 
credit reporting agency whose records may reflect an 
error.  Credit  Union  will require  them  to correct  your report 
if its investigation decides that you were correct. If Credit 
Union disagrees with you after the investigation, Credit 
Union will advise you, in writing or by phone, and instruct 
you how to submit to those agencies a statement of your 
position that will become a part of your credit record with 
them.  The instructions  will include  the name,  address,  and 
phone number of each such agency, along  with other 
pertinent information.  
 
26. WHEN YOUR ACCOUNT MAY BE CLOSED AND 
EFFECTS OF ACCOUNT  CLOSING  
 
Any individual cardholder without the consent of other 
cardholders may close your Account at any time by 
notifying us in writing as indicated in this Agreem ent. 
Credit Union may close your account or suspend your 
Card privileges or Convenience Checks at any time 
without prior notice. Credit Union may also reissue a 
different Card or different checks at any time. You must 
return the Card or the Convenience Che cks to the Credit 
Union upon request. You agree that the Card and all 
Convenience  Checks  remain  the property  of Credit  Union. 
Each Card we issue will have an expiration date. Upon 
expiration of your Card your account will automatically 
terminate; or the Cr edit Union, in its sole discretion, may 
extend your Agreement and issue a new card with a new 
expiration date. If your account is closed, expires or your 
credit privileges are terminated or suspended, you will 
remain responsible for paying all amounts you owe us 
according to the terms of this Agreement.  Without limiting 
the foregoing, the Credit Union has the right to terminate 
your line of credit or any part of the services provided 
pursuant to this Agreement and to demand the return of 
all cards, access c hecks and other access devices if the 
Credit Union, in its sole discretion, feels that it is  insecure 
for any reason whatsoever; including but not limited to 
mismanagement  of your account,  failing  to safeguard  any 
access  device,  creation  of any credit  balances  by you that 
may increase the risk of loss or exposure of the Credit 
Union  or failing  to cooperate  with the Credit  Union  or others  with regard  to any claim  of unauthorized  use or any 
other defense to payment under applicable  law. 
 
27. CHANGING THIS  AGREEMENT  
 
The Credit Union may change the terms of this 
Agreement,  including  the Annual  Percentage  Rate,  at any 
time. Except where limited by applicable law, the new 
terms, including, but not limited to, increasing the finance 
charge or the way the Credit Union calculates finance 
charges, late charges, and the minimum payment due, 
will apply both to new purchases and cash advances  and 
to the existing outstanding balance of your account as of 
the day of the change.  In accordance  with applicable  law, 
the Credit  Union  will notify  you of any increased  charge  or 
change by writing to you at the most recent address 
shown for you on the Credit Union's  records.  
 
28. THE EFFECT OF ANY DELAY IN ENFORCEMENT 
OR WAIVER  
 
The Credit Union may delay or waive enforcement of  any 
of the provisions of this Agreement, including any 
agreement to make timely payments, without losing its 
right to enforce the same provision later or any other 
provisions of this Agreement. You waive the right to 
receive notice of any wa iver or delay or presentment, 
demand, protest or dishonor. You also waive any 
applicable  statute  of limitations  to the full extent  permitted 
by law and any right you may otherwise have to require 
the Credit Union to proceed against any person before 
suing  you to collect.  You understand  that the Credit  Union 
will not be liable for a merchant's or other parties' refusal 
to honor your Card whether due to an error by the Credit 
Union,  the merchant,  the Credit  Union's  authorized  agent, 
or other third  party.  
 
29. ADD ITIONAL TERMS OF  AGREEMENT  
 
To the extent not prohibited by applicable law, the terms, 
interpretation and enforcement of any claim or dispute 
arising  under  this Agreement,  as well as all parties�  rights 
and duties, will be governed by South Carolina State law 
regardless where you may reside or use your account. 
Further, this Agreement is the contract which governs all 
transactions on your Account even though sales, cash 
advances, credit or other slips may contain different 
terms.  
 
You may not  transfer or assign your account or Card to 
any other  person.  The Credit  Union  may assign  or transfer 
this Account, your Account balance, or this Agreement to 
another person, who will have all of our rights hereunder. 
This Agreement is binding on your heir s and legal 
representatives. If there are joint obligors or authorized 
users  for this credit  plan,  each  of you will have  the right to 
use the Account to obtain loans pursuant to the terms 
hereof. Any one obligor�s elections, transactions and 
directions to the Credit Union shall be binding upon  all  SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 10 of 12  obligors.  Each  of you will be liable  for all obligations  owing 
on the Account whether borrowed by you or otherwise 
and whether  within  or beyond  the credit  limit. Your  liability 
will be joint and several. Either party has the right to 
cancel  this Agreement.  Further  each  of you is responsible 
for all amounts borrowed by any authorized user(s). 
Authorized  users  and other  users  may also be required  to 
repay the amount owed for charges they m ake; however, 
you remain, at all times, primarily responsible for all 
amounts owed. All Cards, billing statements and notices 
will be mailed or delivered to the address given on the 
application  for either  applicant  unless  you direct  otherwise 
in writing. If any law or judicial ruling makes any part, 
provision, sentence or section of this Agreement 
unenforceable, the remainder will continue in full force 
and effect.  
 
30. CREDIT  INSURANCE  
 
If you elect  insurance,  as set forth in your application,  then 
the charges will be added to your Account balance on 
each billing cycle, if your insurance application is 
approved. Credit insurance is voluntary and not required 
to obtain a credit card account with us. You have a right 
to terminate this insurance at any t ime by notifying us in 
writing. Note: Maximum age for life insurance will 
terminate in the month of your 70th birth date. Maximum 
age for credit disability will terminate in the month of your 
66th birth  date.  
 
31. ELECTRONIC PAYMENT  OPTION  
 
If you request recurring electronic payment options 
(Automated Clearing House (ACH), Pay by Phone, e- 
check,  etc.),  all Minimum  Payments  due will automatically 
be deducted from your designated account on your 
Payment Due Date. If your designated account do es not 
contain sufficient funds, no automatic deduction will be 
made;  we will bill you for the Minimum  Payment  Due;  and 
your account will be charged a $25.00 insufficient funds 
fee and you will be responsible for making the payment 
by some other  means.  
 
32. COMPLIANCE WITH APPLICABLE LAWS AND 
PROHIBITION OF ILLEGAL  TRANSACTIONS  
 
You warrant and agree that you will at all times comply 
with all Applicable Laws; and that your card and services 
are at all times subject to Applicable Laws. Further, you 
agree and warrant that your Credit Card, other access 
device or any related account will not be used to make  or 
facilitate any illegal transaction(s) as determined by 
applicable  law; and that any such  use, including  any such 
authorized use, will constitute an  event of default under 
this Agreement. Certain federal and/or state laws or  Card 
Service Providers� Rules may limit or prohibit certain 
transactions such as (but not limited to) those coded as 
possible gambling transactions. The Credit Union may 
decline t o accept, process or pay any transaction that  we believe to be illegal or unenforceable (regarding your 
obligation  to pay us or otherwise)  under  applicable  law; or 
which is otherwise limited or prohibited, including but not 
limited to any transaction involving or relating to any 
gambling activity. Such prohibition or limitations may 
affect some otherwise proper or allowable transactions 
such as charges incurred at a hotel -casino. You 
understand and agree such limitations/prohibitions are 
not within the Credit Union�s control and that the Credit 
Union  will not have  any liability,  responsibility  or culpability 
whatsoever for any such use by you or any authorized 
user(s); or for declining to accept, process, or pay any 
such  transaction.  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 any such use of your account and/or 
access  devices.  
 
33. SKIP PAYMENT OPTION  
 
At our option, we  may offer you the opportunity to not 
make ("skip") a minimum payment during certain 
designated billing cycles ("skip payment period"). If you 
do not make your minimum payments as provided in this 
Agreement, during such designated billing cycles, you 
under stand  that we will continue  to apply  finance  charges 
to your account. Beginning with the billing cycle following 
an allowed skip payment period, all other provisions of 
this Agreement will apply. We have no obligation to 
accept your application for any skip payment period 
offered, and you authorize u s to investigate your 
creditworthiness including obtaining consumer credit 
reports. We may charge you an application processing 
fee of up to $35.00 for each skip payment period that we 
may offer to cover our costs of investigating your 
qualifications  for this extension  including  but not limited  to 
the costs associated with researching your 
creditworthiness.  
 
34. VISA ACCOUNT UPDATER  (VAU)  
 
VAU is an account updating service in which your card is 
automatically enrolled. When your card(s) expire, are  lost 
or stolen and new cards are issued, the service may 
update relevant card data (card numbers and expiration 
dates) to appropriate merchants who participate in an 
effort to facilitate uninterrupted processing of your 
recurring  charges.  This service  provides  updates to a Visa 
database only. The database is accessed by those 
qualified merchants seeking your account information 
after you have requested they process a recurring 
payment or payments. This service is provided as a free 
benefit to you. If at any time yo u wish to opt -out of the 
VAU service or if you have any questions, please call 
1.800.763.8600 to do  so. 
 
OUR BILLING RIGHTS STATEMENT 
KEEP THIS NOTICE FOR FUTURE USE   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 11 of 12  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 STATEMENT / BILLING AT:  
 
SAFE Federal Credit Union 
Post Office Box 31112 
Tampa, FL 33631 -3112  
 
If you think your statement is wrong, or if you need  more 
information about a transaction on your statement, you 
must write to us on a separate sheet of paper to the 
address listed in your periodic statement. You should 
write to us as soon as possible. We must hear from you 
no later than 60 days  after we sent you the first statement 
on which the error or problem appeared. You can 
telephone  us, but doing  so will not preserve  your rights.  In 
your letter, you should 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 SAFE Fed eral Credit Union 
savings or checking account, you can stop payment on 
any amount  you think  is wrong.  To stop the payment,  your 
letter must reach us three (3) business days before the 
automatic payment is scheduled to  occur.  
 
YOUR RIGHTS AND OUR RESPONSIBI LITIES 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 the bill that are 
not in  question.  
 
If we find that we made a mistake on your statement,  you 
will not have to pay the FINANCE CHARGES related to 
any questioned amount. If we didn�t make a mistake,  you 
may have to pay FINANCES 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 us and the date that it is due.  
 
If you fail to pay the amount  we think  you owe us, we may 
report you as delinquent. However, if our explanation 
does  not satisfy  you and you write  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 
statement. 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 you and us when it 
finally  is. If we don�t  follow  these  rules,  we can�t  collect  the 
first $50.00 of the questioned amount, even if the 
statement 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 
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:  
 
1. You must  have  made  the purchases  in your home 
state or, if not within your home state, within 100 
miles of your current mailing address;  and 
2. The purchase  must  have  been  more  than $50.00.  
3. These limitations do not apply if we own or 
operate the merchant, or if we mailed you the 
advertisement for the property or  services.  
 
If you feel that you need  Counseling  or Debt  Management 
services, please contact Consumer Credit Counseling 
Service toll free at 1.800.251.2227 or  visit them on the 
web at www.cccsinc.org.  You may also visit 
www.frbatlanta.org  for a list of Counseling and Debt 
Management  Services.  
 
CONTACT INFORMATION  
 
24 Hour Cardholder Service:  
Call: 1.855.556. 1963 
 
To Report a Lost or Stolen Visa Card After Hours  
Call: 1.800.449.7728  
Outside the US 727.299.2449 (Collect)  
 
SAFE Federal Credit Union Visa Department:  
PO Box 2008  
Sumter, SC 29151 -2008  
803.469.8600  
Toll Free 1.800.763.8600  
 
Payment Address:  
PO Box 71050  
Charlotte, NC 28272 -1050  
 
To Close the Account:   SAFE Federal Credit Union  
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600  
803.469.8600  00029  
Rev. 06.03.2022  
Page 12 of 12  (SEND WRITTEN NOTICE)  
SAFE Federal Credit Union  
P.O. Box 2008  
Sumter, SC 29151 -2008  
 
Direct All Other Reports, Requests and Inquiries to:  
PO Box 2008  
Sumter, SC 29151 -2008  
803.469.8600  
1.800.763.8600