Georgia United Credit Union 
PO Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
www.georgiaunitedcu.org 

CREDIT CARD DISCLOSURE  

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases  

VISA PLATINUM 

1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be  
7.99% to 22.99% based on your creditworthiness. This APR will vary with the market based 
on the Prime Rate. 

APR for Balance Transfers* 

1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account 
opening. After that, your Standard APR will be 7.99% to 22.99% based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

9.99% to 24.99% based on your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Paying Interest 

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on  purchases  if  you  pay  your  entire  new  purchase  balance  by  the  due  date  each  month.  We  will 
begin charging interest on cash  advances and balance transfers  on the date the cash advance or 
balance transfer is posted to your account. 

Minimum Interest Charge 

None 

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://www.consumerfinance.gov/learnmore 

FEES: 

Fees to Open or Maintain your 
Account: 
- 
- 

Annual Fee: 
Application Fee: 

Transaction Fees 

- 
- 
- 

Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees 

- 
Late Payment: 
-  Over-the-Credit Limit: 
- 

Returned Payment: 

None 
None 

None 
2% of each transaction that is greater than $2.00 
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars 
that is processed outside the United States. 

Up to $25.00 if your payment is late 10 days or more 
None 
Up to $25.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment. 

*Introductory Rate is available only for balance transfers made within  90 days of account opening. Introductory Rate  does not apply to 
balances transferred from other Georgia United Credit Union credit cards or loans. 

Other Fees: In addition to the fees disclosed above, the following fees may be imposed: 
Card Replacement Fee: 
Skip-A-Pay Fee: 
Expedited Card Fee: 

$10.00 
$25.00 
$50.00 

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that you purchase with the Card unless: (a) your purchase
was  made  in  response  to  an  advertisement  we  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 home; and only if you have made
a  good  faith  attempt,  but  have  been  unable  to  obtain
satisfaction  from  the  plan  merchant.  You  must  resolve  all
other  disputes  directly  with  the  plan  merchant.  We  do  not
warrant any merchandise or services purchased by you with
the Card.

Statements  and  Notices. Statements  and  notices  will  be
mailed  to  you  at  the  most  recent  postal  address  or  e-mail
address (if you have elected to receive such documents via
electronic means) you have given us. Notice sent to any one
of you will be considered notice to all.

Notification of Address Change. You will notify us promptly
if  you  change  your  address  for  any  reason.  In  order  to
prevent  identity  theft,  your  identity  may  need  to  be  verified
before we act upon the notification.

Copy Received. You acknowledge that you have received a
copy of this Agreement.

Governing Law. This Agreement shall be construed under
federal  law  and  state  law  in  the  state  in  which  we  are
primarily  located,  and  the  venue  shall  be  located  in  the
county and state in which we are primarily located. Operating
regulations  of  Visa  may  also  apply.  This Agreement  is  the
contract  that  applies  to  all  transactions  even  though  the
sales,  cash  advance,  convenience  check,  credit  or  other
slips you sign or receive may contain different terms.

NOTICE TO UTAH BORROWERS: This written agreement
is a final expression of the agreement between you and the
Credit  Union.  This  written  agreement  may  not  be
contradicted by evidence of any oral agreement.

BILLING RIGHTS NOTICE

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, write to us at
the address(es) listed on your statement.

In your letter, give us the following information:

1. Your name and account number.

2. The dollar amount of the suspected error.

3.

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 credit card, and you have tried in
good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the
purchase. To use this right, all of the following must be true:

1. The purchase must have been made in your home state
or within 100 miles of your current mailing address, and
the  purchase  price  must  have  been  more  than  $50.
(Note:  Neither  of  these  are  necessary  if  your  purchase
was based on an advertisement we mailed to you, or if
we  own  the  company  that  sold  you  the  goods  or
services.)

2. You  must  have  used  your  credit  card  for  the  purchase.
Purchases  made  with  cash  advances  from  an  ATM  or
with a check that accesses your credit card account do
not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied
with  the  purchase,  contact  us  in  writing  at  the  address(es)
listed on your statement.

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.

9011 WORD FI17901 8-2014

COPYRIGHT 2009 Securian Financial Group, Inc. 
All rights reserved.

X706R

Georgia United Credit Union
6705 Sugarloaf Parkway
Duluth, GA 30097
888.493.4328
www.georgiaunitedcu.org

CREDIT CARD AGREEMENT
In  this Agreement,  “You”  and  “your”  mean  any  person  who
accepts this Agreement or uses the Card. The “Card” means
any  credit  card  issued  to  you  or  those  designated  by  you
under the terms of this Agreement. “We”, “us”, “our” and the
“Credit  Union”  means  Georgia  United  Credit  Union  or  its
successors. By using your card, you agree to all of the terms
and conditions set forth herein.

INTEREST 

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A
CONSENSUAL  SECURITY 
IN  ALL
INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH
IN  THE  FUTURE  TO  SECURE
US  NOW  AND 
REPAYMENT  OF  CREDIT  EXTENDED  UNDER  THIS
AGREEMENT.  YOU  ALSO  AGREE  THAT  WE  HAVE
SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW.  THE  GRANTING  OF  THIS
SECURITY  INTEREST  IS  A  CONDITION  FOR  THE
ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF
YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  YOUR
SHARES  TO  THE  AMOUNT  YOU  OWE. Shares  and
deposits in an Individual Retirement Account or any other
account that would lose special tax treatment under state
or  federal  law  if  given  are  not  subject  to  this  security
interest.
If  you  have  other  loans  with  us,  collateral  securing  such
loans  may  also  secure  your  obligations  under  this
Agreement,  unless  that  other  collateral  is  your  principal
residence or non-purchase money household goods.

Using  Your  Card. You  can  purchase  or  lease  goods  and
services from any merchant who honors your Card, and you
may  obtain  cash  advances  from  financial  institutions  and
ATM  machines  that  accept  the  Card,  up  to  your  maximum
credit limit. You agree not to present your Card or obtain a
cash advance for any extension of credit in excess of your
available credit limit; however, if you do exceed your credit
limit,  you  agree  to  make  immediate  payment  sufficient  to
bring  the  balance  below  the  credit  limit.  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 be 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.

Personal  Identification  Number  (PIN).  We  may  issue  a
Personal Identification Number (PIN) for use with your Card.
This  PIN  is  confidential  and  should  not  be  disclosed  to

anyone. You may use your PIN and your Card to access your
account,  and  all  sums  advanced  will  be  added  to  your
account balance. In the event a use of your PIN constitutes
an  Electronic  Funds  Transfer,  the  terms  and  conditions  of
your  Electronic  Funds Transfer Agreement  may  affect  your
rights.

Promise To Pay. You promise to pay us in U.S. dollars for
(a)  all  purchases,  cash  advances,  and  balance  transfers
made by you or anyone whom you authorize to use the Card;
(b)  all  Interest  Charges  and  all  other  charges  or  fees;  (c)
collection  costs  and  attorney's  fees  as  permitted  by
applicable law, and any costs incurred in the recovery of the
Card; and (d) credit in excess of your credit limit that we may
extend to you.

Illegal Transactions: You agree that your Card and account
will not be used to make or facilitate any illegal transactions
as determined by applicable law; and that any such use will
constitute an event of default under this Agreement. We may
decline  any  transaction  that  we  believe  to  be  illegal  under
applicable  law,  including  but  not  limited  to  any  transaction
involving or relating to any gambling activity. You agree that
we will have no liability or responsibility for any such use by
you  or  any  authorized  user(s);  or  for  declining  any  such
transaction.  You  further  agree  to  indemnify  and  hold  us
harmless from any suits, liability, damages or adverse action
of any kind that results directly or indirectly from such illegal
use. You promise to pay us any and all amounts owing on
your  Card  for  any  transactions  made  by  you,  even  if  the
transaction is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and
severally, for the repayment of amounts owed, regardless of
who initiated any transaction under the account.

Others  Using  Your  Account. If  you  allow  anyone  else  to
use your account, you will be liable for all credit extended to
such  persons.  You  promise  to  pay  for  all  purchases  and
advances  made  by  anyone  you  authorize  to  use  your
account, whether or not you notify us that he or she will be
using it. If someone else is authorized to use your account
and you want to end that person's privilege, you must notify
us in writing, and if he or she has a Card, you must return
that Card with your written notice for it to be effective.

Ownership  of  Card. Your  Card  remains  our  property  and
may be cancelled by us at any time without notice. You agree
to surrender your Card and to discontinue use of the account
immediately upon our request.

Interest  Charges. You  agree  to  pay  interest  at  the  rate(s)
disclosed to you at the time you open your account and as
may  be  changed  from  time  to  time  in  accordance  with
applicable  law.  Average  Daily  Balance  including  new
transactions:  Interest  Charges  will  accrue  on  your  average
daily  balance  outstanding  during  the  month.  To  get  the
average daily balance, we take the beginning balance each

day,  add  any  new  purchases,  cash  advances,  balance
transfers  or  other  advances,  and  subtract  any  payments,
unpaid interest charges, and unpaid late charges. This gives
us the daily balance. Then, we add up all the daily balances
for the billing cycle and divide that by the number of days in
the  billing  cycle.  We  then  multiply  that  by  the  periodic  rate
corresponding  to  the  Annual  Percentage  Rate  on  your
account.  If  you  have  different  rates  for  purchases,  cash
advances  or  balance  transfers,  separate  average  daily
balances  for  each  will  be  calculated  and  the  appropriate
periodic rate is then applied to each.

Grace Period on Purchases Only: You can avoid Interest
Charges on purchases by paying the full amount of the new
balance for purchases each month by the date on which the
payment  is  due.  Otherwise,  the  new  balance  of  your
account, and subsequent advances from the date they are
posted to the account, will be subject to an Interest Charge.
You  cannot  avoid  Interest  Charges  on  cash  advances  and
balance transfers; even if you pay the entire cash advance
balance  or  balance  transfer  balance  by  the  payment  due
date,  you  will  incur  the  Interest  Charges  accrued  from  the
date the cash advance or balance transfer is posted to your
account.

Fees. In addition to the Interest Charges set forth above, you
agree to also pay any and all fees that you incur as disclosed
to  you  on  your  Truth-in-Lending  Statement  or  similar
disclosures  (as  may  be  amended  from  time  to  time),  or  as
disclosed to you during the term of your Card.

If Your Card is Lost or Stolen or if an Unauthorized Use
Occurs. You agree to notify us immediately if your Card is
ever  lost  or  stolen  or  if  an  unauthorized  use  may  have
occurred. "Unauthorized use" means the use of the Card by
someone other than you who does not have actual, implied
or  apparent  authority  for  such  use,  and  from  which  you
receive  no  benefit. The  telephone  number  to  call  is  1-866-
677-7156.  You  agree  to  follow  up  your  call  with  notice  in
writing to us at: P.O. Box 100070, Duluth, GA 30096-9370.
You  also  agree  to  assist  us  in  determining  the  facts,
circumstances and other pertinent information relating to any
loss,  theft  or  possible  unauthorized  use  of  your  Card  and
comply  with  such  procedures  as  we  may  require  in
connection with our investigation. You will be liable for any
unauthorized use only if we can prove that you were grossly
negligent in your use or handling of your Card, or if we can
prove that you used your Card fraudulently.

Minimum  Payment  Due;  Crediting  of  Payments.
Payments are due in the amount and on the date disclosed
on your billing statement. If your payment is received by us
on a business day at the address and by the time designated
on the billing statement, it will be credited to your account on
the date of receipt. If payment is made at any location other
than  the  address  designated  on  the  periodic  statement,
credit for such payment may be delayed up to five (5) days.

Payments will be applied in any order we determine, subject
to applicable law.

Default;  Acceleration;  Credit  Suspension;  Collection
Costs.  You  will  be  in  default  if:  (1)  you  fail  to  make  any
payment  on  time;  (2)  if  you  fail  to  keep  any  promises  you
have made under this Agreement or under other Agreements
you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in
bankruptcy or have a bankruptcy petition filed against you, or
if  you  become  involved  in  any  insolvency,  receivership  or
custodial proceeding; (5) if anyone attempts to take any of
your  funds  held  by  us  via  legal  process  or  if  you  have  a
judgment  or  tax  lien  filed  against  you;  (6)  if  you  make  any
false,  inaccurate,  or  misleading  statements  in  any  credit
application or credit update; or (7) if we, in good faith, believe
that  your  ability  to  repay  what  you  owe  is  or  soon  will  be
impaired, or that you are unwilling to make your payments.

If you are in default, we have the right to demand immediate
payment  of  your  full  account  balance  without  giving  you
notice.  If  immediate  payment  is  demanded,  you  agree  to
continue paying interest charges and fees until what you owe
has been paid, and any shares that were given as security
for your account may be applied towards what you owe. You
agree  to  pay  all  reasonable  costs  of  collection,  including
court costs and attorney's fees, and any costs incurred in the
recovery of the Card, subject to applicable law. Even if your
unpaid balance is less than your credit limit, you will have no
credit  available  during  any  time  that  any  aspect  of  your
account is in default.

Additional  Benefits/Card  Enhancements. We  may  from
time to time offer additional services to your Account at no
additional  cost  to  you.  You  understand  that  we  are  not
obligated to offer such services and may withdraw or change
them at any time.

Convenience  Checks. We  may,  at  our  discretion,  issue
checks to you which may be used for any purpose other than
making a payment for credit to your account. By signing such
check,  you  authorize  us  to  pay  the  item  for  the  amount
indicated and post such amount as a cash advance to your
account. We do not have to pay any item which would cause
the  outstanding  balance  in  your  account  to  exceed  your
credit limit.

Credit  Information. We  may  from  time  to  time  request
personal information from you or obtain credit reports from
the  credit  reporting  agencies  for  the  purpose  of  updating
your  credit  status.  Your  failure  to  provide  such  information
when  requested  by  us  may  result  in  suspension  of  credit
privileges  under  this  Agreement,  including  your  ability  to
obtain any future advances by any means. You authorize us
to  investigate  your  credit  standing  when  opening  or
reviewing  your  account.  You  authorize  us  to  disclose
information  regarding  your  account  to  credit  bureau  and
creditors who inquire about your credit standing.

Foreign  Transactions;  Currency  Conversion. Purchases
and cash advances made in foreign currencies will be billed
to you in U.S. dollars. The conversion rate in dollars will be a
rate  selected  by  the  card  company  from  a  range  of  rates
available  in  wholesale  currency  markets  for  the  applicable
central processing date, which rate may vary from the rate
the  card  company  itself  receives,  or  the  government-
mandated rate in effect for the applicable central processing
date in each instance. All transactions processed outside of
the United States (which may include internet transactions)
will  be  charged  a  foreign  transaction  fee  in  the  amount
disclosed on your Truth-in-Lending Statement (as amended
from time to time).

Termination; Change-in-Terms. We may, by written notice,
terminate this Agreement at any time, subject to applicable
law.  You  may  terminate  this  Agreement  by  written  notice.
Termination by either party shall not affect your obligation to
repay any balance on your account resulting from use of the
Card as well as Interest Charges and fees incurred. We may
change the terms of this Agreement, including the method of
calculating the periodic rate, at any time, by written notice,
subject  to  applicable  law.  Use  of  the  Card  constitutes
agreement and acceptance of any change in terms, unless
applicable law requires otherwise. Our failure to exercise any
of our rights or to take any action shall not constitute a waiver
of  those  rights,  or  an  amendment  or  change  in  any  of  the
terms of this Agreement.

Late  or  Partial  Payments. Any  payment  that  delays  the
reduction  of  your  balance  will  increase  your  total  interest
costs. Partial payments or prepayments will not delay your
next  scheduled  payment  -  you  will  still  need  to  make  the
minimum  scheduled  payment  by  the  next  scheduled  due
date  to  keep  your  account  current.  We  may  accept  late
payments,  partial  payments,  checks  or  money  orders
marked "payment in full" and such action shall not constitute
final settlement of your account or a waiver or forgiveness of
any amounts owing under this Agreement.

Enforcement. We  do  not  lose  our  rights  under  this  or  any
related  agreement  if  we  delay  enforcing  them.  If  any
provision of this or any related agreement is determined to
be unenforceable or invalid, all other provisions remain in full
force and effect.

Returns  and  Adjustments.  Merchants  and  others  who
honor  the  Card  may  give  credit  for  returns  or  adjustments,
and they will do so by submitting a credit slip which will be
posted to your account. If your credits and payments exceed
what you owe us, the amount will be applied against future
purchases and cash advances. If the credit balance amount
is $1 or more, it will be refunded upon your written or verbal
request.

Plan  Merchant  Disputes. We  are  not  responsible  for  the
refusal of any plan merchant or financial institution to honor
your Card. Also, we are not responsible for goods or services