Cardholder Agreement

(Including Federal Truth in Lending Disclosures)

  Dear Member: 
This Agreement is your contract. It also contains disclosures required by the 
Federal Truth in Lending Act. Please read all of it and keep it for your records 
because, when you have accepted, signed or used your Card, or the Account, you 
have agreed to the terms of the Agreement.

Alaska USA Federal Credit Union 
Anchorage, Alaska

In  this  Agreement  the  words  you,  your  and  yours  mean  the  Cardholder(s).  The  words  we,  us 
and  our  mean  Alaska  USA  Federal  Credit  Union  and  any  agent  through  which  the  Account  is 
established.
You do not have to sign the Agreement, but once you have accepted, signed or used the Card, 
or the Account, the Agreement will be in force.

The following definitions apply to the terminology used in this Agreement and on your 
monthly statement:
Account. The Visa® and/or any open-end credit account(s) approved by us for your use which is 
subject to the Terms and Conditions o    f this Agreement.
Annual Percentage Rate. The cost of your credit as a yearly rate.
Billing Cycle. The time interval between regular monthly billing statement dates. This interval is 
considered to be equal intervals of time unless a billing date varies more than four (4) days from 
the regular date.
Cash Advance. Credit extended by us to you in the form of a loan made when you present the 
Card to us or to any financial institution honoring the Card, or use of any other credit instrument, 
device, overdraft coverage plan or automated teller machine we make available to you.
Card. Any Visa card(s) and/or other credit card(s) subject to this agreement issued to you by us, 
or other single credit device being used from time to time upon presentation to obtain money, 
property,  labor,  or  services  on  credit.  “Card”  is  implied  when  you  obtain  credit  by  using  your 
account number without using the Card.
Cardholder. The natural person to whom a credit card is issued upon the request or application of 
that natural person for any purpose, or a natural person who has agreed with us to pay obligations 
arising from the issuance of such a credit card to another person.
Closing Date. The date of the last day of a Billing Cycle.
Credit Limit. The maximum amount of credit available to you as set for the Account by us from 
time to time.
Finance  Charge.  The  cost  of  credit  extended  to  you  on  the  Account  resulting  from  applying 
the  Periodic  Rate  to  the  Average  Daily  Balance  and  the  Transaction  Fee  for  Cash  Advance 
transactions.
LetterCheck/StatementCheck. A specially designed, individually prepared and personalized series 
of check(s) that allow cardholders to create and authorize a cash advance against their credit card 
account with the convenience and negotiability of a check.
New Balance. The account balance outstanding on the Closing Date.
Other Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges 
are listed in part D of the Agreement.
Periodic Rate. The percentage of Finance Charge imposed against a balance for a period. In this 
Agreement, a “Monthly” Periodic Rate is used.
Previous  Balance.  The  balance  of  the  Account  at  the  beginning  of  the  Billing  Cycle.  (It  is  the 
same amount that was shown as “New Balance” on the Closing Date on the statement for the 
preceding Billing Cycle.)
Purchases. Extensions of credit by us to you for purchases through sellers or lessors of goods, 
labor, insurance and/or services that honor your Card and for other charges or debits.
User. The person(s) authorized by a Cardholder to obtain credit under an Account whether named 
in an application as a User, or otherwise.

TERMS AND CONDITIONS
Purchases  and  Cash  Advances.  You  can  use  the  Card  for  Purchases  and  Cash  Advances.  The 
maximum cash advance is the lesser of your available credit limit or $5,000 per day. There is no 
minimum. The maximum advance at an automated teller machine is $500 per day. There is no 
minimum amount. You will owe us for these amounts plus Finance Charge and Other Charges, if 
any, all payable in U.S. Dollars. 
Monthly Statement. If you have an outstanding debit or credit New Balance in excess of $1.00 or 
if there is any Finance Charge imposed during a Billing Cycle, we will send you a statement. You 
must pay us (or if we elect, to any party to whom we transfer and assign your Account) according 
to the Terms and Conditions of the Account.

Other Terms and Conditions (including Federal Truth in Lending Disclosure)
(A) The conditions under which a Finance Charge will be imposed:

(1) Purchases. A Finance Charge that will accrue from the date posted will be imposed on 
Purchase transactions posted during a Billing Cycle when the Previous Balance is not 
paid in full within the first 25 days of the Billing Cycle. A Finance Charge that will accrue 
from the first day of the next billing cycle will also be imposed on Purchases included 
in the New Balance when the entire New Balance is not paid in full within 25 days after 
the Closing Date. No Finance Charge will be imposed on Purchases included in the New 
Balance when the entire New Balance is paid in full within 25 days after the Closing Date.
(2)  Cash  Advances.  A  Finance  Charge  in  the  form  of  a  Transaction  Fee  will  be  imposed 
on  each  transaction  for  Cash  Advances  posted  to  the  Account  during  a  Billing  Cycle. 
A  Finance  Charge  computed  on  a  Periodic  Rate  basis  will  also  be  imposed  on  Cash 
Advances  from  the  date  posted  to  the  Account  through  the  date  paid.  The  Finance 
Charge accrued on Cash Advances between the Closing Date of the Billing Cycle and the 
date your Account is credited will appear on your next statement. There is no time period 
within which to pay to avoid the Finance Charge on Cash Advances.

(3) StatementChecks  and  LetterChecks.  StatementChecks  and  LetterChecks  can  be 
used  to  pay  for  purchases,  services,  or  to  transfer  balances  from  other  credit  card 
accounts.  StatementChecks  and  LetterChecks  cannot  be  used  to  make  payments 
to  the  credit  card  account  upon  which  they  are  drawn.  The  credit  card  account  upon 
which the StatementChecks or LetterChecks are drawn must be activated prior to the 
StatementChecks or LetterChecks being presented for payment. StatementChecks and 
LetterChecks  are  processed  as  a  cash  advance  against  the  credit  card  account  on 
which they are drawn at the time they are presented for payment. StatementChecks and 
LetterChecks are subject to all terms and conditions of cash advances. Alaska USA FCU 
or its agents shall not authorize payment of any StatementCheck or LetterCheck which 
(i) would cause the account balance to exceed the Credit Limit; (ii) exceeds $99,999.99; 
or  (iii)  is  not  payable  according  to  the  terms  and  conditions  herein,  including,  without 
limitation,  the  minimum  amount  requirement  of  $50.00  or  the  StatementCheck  or 
LetterCheck  expiration  provision.  StatementChecks  expire  30  days  from  the  date 
printed  on  each  StatementCheck  directly  below  the  date  line.  Letterchecks  expire  on 
the  date  printed  on  each  LetterCheck  directly  below  the  date  line.  A  StatementCheck 
or LetterCheck not processed by Alaska USA FCU or its agents on or before the printed 
expiration date will be returned unpaid.

(4) If your Account is subject to a Finance Charge other than a Cash Advance Transaction 
Fee, then the more that you pay and the sooner you pay, the less your Finance Charge 
will be.

(B) The method of determining the balance upon which a Finance Charge will be imposed:

(1)  We  figure  a  portion  of  the  Finance  Charge  on  your  Account  by  applying  a  Transaction 
Fee to the amount of each Cash Advance transaction posted during the Billing Cycle.
(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate 
to  the  “Average  Daily  Balance”  of  Cash  Advances  on  your  account  (including  current 
transactions for Cash Advances). To get the “Average Daily Balance” of Cash Advances, 
we take the beginning balance of Cash Advances on your Account each day, add any new 
Cash Advances, and subtract any payments or credits and unpaid Finance Charges. This 

AKUSA 02535 14.5 SEC  R 09/14

gives us the daily balance for Cash Advances. Then we add up all these daily balances 
for the Billing Cycle and divide by the number of days in the Billing Cycle. This gives us 
the “Average Daily Balance” of Cash Advances. There is no period beyond the allowable 
25 days in which credit extended may be paid without incurring a finance charge.

(3) We figure a portion of the Finance Charge on your Account by applying a Periodic Rate to 
the “Average Daily Balance” of Purchases on your Account (including current transactions 
for Purchases). To get the “Average Daily Balance” of Purchases, we take the beginning 
balance  of  Purchases  on  your  Account  each  day,  add  any  new  Purchases  and  Other 
Charges (except Late Payment Charges), and subtract any payments or credits, unpaid 
Finance  Charges  and  Late  Payment  Charges.  This  gives  us  the  daily  balance  for 
Purchases. Then we add up all these daily balances for the Billing Cycle and divide by 
the  number  of  days  in  the  Billing  Cycle.  This  gives  us  the  “Average  Daily  Balance”  of 
Purchases. If the entire Previous Balance is paid in full within the first 25 days of the 
Billing Cycle, the Average Daily Balance of Purchases will be considered to be $0.

(C)  The  method  of  determining  the  amount  of  the  FINANCE  CHARGE:  The  FINANCE  CHARGE 
imposed  during  a  Billing  Cycle  will  be  the  sum  of  the  Transaction  Fee  and  Periodic  Rate 
components of the FINANCE CHARGE determined by:

(1) Applying a Transaction Fee amounting to 2% of the amount of each current transaction 
($10.00 maximum per transaction) for Cash Advances posted during the Billing Cycle.
(2)  Applying  to  the  Average  Daily  Balance  for  the  Billing  Cycle  a  Monthly  Periodic  Rate  of 

1.2083% (corresponding ANNUAL PERCENTAGE RATE is 14.5%).

(D) The conditions under which any other charges may be imposed:

(1)  Annual  Card  Membership  Fee.  A  $50.00  Annual  Card  Membership  Fee  will  be  charged 
to  your  Account.  If  at  the  time  of  the  initial  fee  your  Card  will  expire  in  less  than  a 
year,  the  Annual  Fee  will  be  prorated,  based  upon  the  number  of  months  left  before 
the  Card  expires.  Only  one  fee  will  be  charged,  even  if  more  than  one  Card  is  issued 
on  the  Account.  This  fee  may  be  waived  if  you  have  an  active  checking  account  from  
Alaska USA FCU. 

(2)  Late  Payment  Fee.  A  Minimum  Payment  not  paid  within  13  days  after  Payment  Due 
Date  will  be  subject  to  a  single  charge  of  5%  of  the  Minimum  Payment  due  ($1.00 
minimum, $35.00 maximum).

(3) Returned Check Charge. A $20.00 charge will be assessed to your Credit Card Account 
when any check submitted by you for payment on the Account is returned to us unpaid.
(4)  Research  and  Copying  Fee.  A  $3.00  fee  will  be  charged  for  each  statement  copy  you 
request.  A  $12.00  per  copy  fee  may  be  charged  for  copies  of  each  document,  in 
connection with the Account, that you request. This fee is not imposed if the copy is for 
the resolution of a billing error.

(E) The conditions under which we may retain or acquire any security interest in any property to 

secure the payment of any credit extended on the Account:

(1) We hold a security interest in your share/savings account. Funds in this account equal 
to your credit limit on your Visa Account, are frozen and stand as security for repayment 
of your account balance and performance of the terms and conditions of your Account.
(2)  If  you  have  pledged  or  shall  hereafter  pledge  your  personal  residence  as  collateral 
security  for  any  indebtedness  of  which  we  are  or  become  the  owner  and  holder,  it  is 
hereby understood that we hereby waive any claim we might otherwise acquire against 
said personal residence as collateral security for any obligation to us arising from your 
use of the Card.

(F) The minimum periodic payment required: If you elect not to pay your balance in full, a payment 
according to the following schedule must be made by you within 25 days after the Closing 
Date of the Billing Cycle as shown on your statement.

Minimum Payment Schedule:
If your New Balance is: 
Less than $15 
$15 to $500  
More than $500 

Your Minimum Payment will be:
New Balance in full 
$15
3% of New Balance (rounded up to next whole dollar)

In  addition  to  the  above,  the  Minimum  Payment  will  include  the  amount  of  all  Past  Due 
payments and the amount by which the New Balance exceeds the Credit Limit for the Account. 
Payments received shall be first applied to outstanding Finance Charges and Miscellaneous 
Charges, then to Cash Advances and Purchases previously billed, and then to Cash Advances 
and Purchases currently billed.

(G)  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  information  about  a  transaction  on  your  bill,  write  us  on  a  separate  sheet  at 
the address shown 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: 

n Your name and account number.
n The dollar amount of the suspected error.
n 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  three  (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 is 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 ten (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 is final.
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 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.

ADDITIONAL PROVISIONS
You also agree to all of the following:
Membership. If your membership with Alaska USA Federal Credit Union terminates for any reason, 
you agree to immediately surrender all Visa cards issued on your Account(s). You also agree to 
pay off all credit extended on your Account(s) according to the terms of this agreement.
Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our 
property and must be returned to us or our agent immediately upon demand. If we ask, you will 
destroy the Card by cutting it in half, and will surrender it to us or our agent, mail it to us, or drop 
it off at any of our offices that we direct.
Individual  Liability.  You,  as  an  Account  Holder,  will  be  liable  for  all  credit  obtained  under  the 

continued on the reverse side

 
 
 
ScoreCard® Reward Point Program Rules
1. Visit www.scorecardrewards.com and log in to view your Reward Point earnings ratio for every 
qualifying purchase dollar amount. A qualifying purchase (“Qualifying Transaction”) shall mean: (i) 
a transaction that is charged to an eligible card account covered by the Program (“Account”), and 
(ii) a transaction that appears on Your statement during the Program period. Points are deducted 
for returns. No Points are earned for finance charges, fees, cash advances, convenience checks, 
ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to 
your Account. Contact Alaska USA (“Sponsor”) for full details on the Program period dates during 
which you are eligible to earn Points.
2. Points can be used to order only the merchandise/travel awards (“Award(s)”) available in the 
current Program. You may select Awards from any level, as long as you have a sufficient number 
of Points available in your Account as of the date of your most recent earnings statement. Point 
requirements assigned to any Award are subject to change from time to time without notice, and 
Awards may be substituted at any time. Should an Award be discontinued, it will be replaced with 
an Award of equal or greater value or, if no suitable substitute is available, you will be advised to 
make an alternative selection or your Points may be returned to your Account.
3. Your merchandise Award will usually be delivered by a commercial delivery service or the U.S. 
Postal Service within 4-6 weeks of processing your order. Shipments cannot be made to a post 
office  box.  If  you  have  an  APO,  U.S.  eligible  territory  or  international  address,  please  contact 
ScoreCard Award Headquarters for details regarding merchandise options and shipments before 
ordering.
4. Note any damages or shortages on the delivery receipt before signing to accept delivery from 
the carrier. A merchandise Reward received damaged or defective may be returned to the shipper 
for  replacement  within  thirty  (30)  days  of  delivery.  All  parts,  instructions,  warranty  cards  and 
original packaging materials must be returned with the merchandise Award.
5.  Applicable  manufacturers’  or  providers’  warranties,  if  any,  will  be  included  with  your  Award. 
Warranty claims must be directed to the manufacturer or provider, as applicable. SPONSOR, ANY 
THIRD PARTY UTILIZED BY SPONSOR TO ADMINISTER THE PROGRAM (“Program Administrator”) 
AND THEIR AFFILIATES, AND ANY ASSOCIATION OR ORGANIZATION OF WHICH YOUR SPONSOR 
IS  A  MEMBER  IN  CONNECTION  WITH  THE  PROGRAM  (“ASSOCIATION  “)  MAKE  NO  AWARD, 
PRODUCT,  OR  MERCHANDISE  REPRESENTATIONS  OR  WARRANTIES,  EXPRESS  OR  IMPLIED, 
AND  DISCLAIM  ANY  AND  ALL  LIABILITY  AS  TO  THE  CONDITION,  QUALITY,  MERCHANTABILITY 
OR  FITNESS  FOR  A  PARTICULAR  PURPOSE  OF  AWARDS,  PRODUCTS,  MERCHANDISE  AND/OR 
SERVICES  PROVIDED  THROUGH  THIS  PROGRAM.  THE  PROGRAM  ADMINISTRATOR  AND  ITS 
AFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN AWARDS OR DAMAGES RESULTING FROM 
USE OF ANY AWARDS PROVIDED THROUGH THE PROGRAM.
6.  Points  have  no  cash  value.  Points  cannot  be  exchanged  for  cash  or  credit;  used  with  any 
other offer, promotion or discount; combined with cash to obtain any Awards; or, earned from or 
transferred to any other credit and/or debit card, account or rewards program, unless otherwise 
specified.
7. Your ScoreCard earnings statement will normally include the number of Points earned, subject 
to  adjustment  as  provided  for  in  these  Rules.  In  the  event  you  redeem  unearned  Points,  your 
Account may be charged for the actual cash difference between the cost of the Award redeemed 
and the net value of the actual Points available.
8. Your Account must be open and in good standing (i.e., not cancelled, terminated by either party 
or otherwise not available for your use as a payment method) at the time your order is received 
for processing. Sponsor reserves the right to suspend your participation in the Program until the 
Account is in good standing.
9.  Despite  the  Program’s  best  efforts  to  ensure  accuracy,  printing  and  website  errors  may 
occasionally  occur.  The  Program  Administrator  reserves  the  right  to  correct  such  errors  at  any 
time.
10. The Program may be modified, suspended or cancelled, and the redemption value of already 
accumulated Points may be changed, at any time without notice and without restriction or penalty. 
Changes  to  the  Program  may  include,  but  are  not  limited  to,  modifications  that  affect  Point 
accrual and/or expire Points based on the Point term, age and expiration date of the selected 
option(s). Award orders must be received on or before the Program end and/or Point expiration 
date.  Contact  your  Sponsor  for  details  on  any  current  promotions  affecting  Point  accrual  or 
redemption options. Points may be forfeited due to Rules violations. This Program is void where 
prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.
11.  You  agree  to  hold  the  Program  Administrator  and  its  affiliates,  any  Association  and  any 
vendors or other providers associated with the Program harmless if your Sponsor fails to meet 
its contractual or other obligations, resulting in Program interruption or termination prior to your 
redeeming your Points or receiving your Awards. You also agree to hold the Program Administrator 
and  its  affiliates,  Sponsor  and  Association  harmless  if  a  Program  vendor  or  provider  files  for 
bankruptcy, or otherwise goes out of business after you have redeemed your Points for an Award 
from the vendor or provider but before you receive or use the Award.
12. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other 
certificates  are  not  exchangeable,  refundable,  transferrable  or  redeemable  for  cash.  All  travel 
certificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced 
in the event of loss, destruction or theft. Your Award will usually be delivered within 4-6 weeks 
of processing your order but is not guaranteed. You may request travel certificates, tickets and 
documents to be delivered by overnight carrier and agree to pay any associated additional delivery 
fees before shipment. You are responsible for any airline security fees and any surcharges or 
additional fees that may be imposed by the airlines or aviation authority and you must pay them 
by permissible credit and/or debit card at the time of the reservation booking. See the Program 
website for specific travel Award terms and conditions.
13. Your individual Program Sponsor may offer rewards opportunities and/or impose rules that 
are  in  addition  to  those  stated  in  the  Program  rules.  Prospective  cardholders  who  are  eligible 
to  participate  in  the  Program  may  contact  their  Program  Sponsor  for  the  Program  Sponsor’s 
complete  rules,  including  information  on  how  Reward  Points  are  earned,  how  Reward  Points 
accrue,  when  Reward  Points  expire,  and  variable  Reward  Points  earnings  ratios,  if  applicable. 
Existing Program participants may access the current Program Rules at any time on the Program 
website. Program rules are subject to change at any time without notice.
14.  The  Program  Administrator  shall  resolve  all  questions  of  what  constitutes  a  Qualifying 
Transaction. All such resolutions or determinations by the Program Administrator are final. The 
use of your Account following receipt of these Rules will indicate your agreement to these Rules.

Account(s),  whether  obtained  by  you  or  by  a  User  of  the  Account.  If  there  is  more  than  one 
Account Holder, then each will be liable, jointly and severally, for all credit obtained under the 
Account(s).
Credit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit 
available to you on an Account.
Loss  or  Theft  of  Card.  You  will  notify  us  immediately  of  the  loss  or  theft,  or  the  use  without 
your permission, of any Card or other credit instrument or device which we supply you by calling 
563-4567  in  Anchorage,  (800)  525-9094  outside  Anchorage  or,  after  9  p.m.  Pacific  time,  
(800) 325-3678. You further agree to confirm this notice in writing within two (2) business days 
at our address below:
Our Address. You should address letters and other notices to us at:

Alaska USA Federal Credit Union, Card Services,  
P.O. Box 196602, Anchorage, AK 99519-6602

Liability of Cardholder for Unauthorized Use. Under Visa’s Zero Liability policy, you are not liable 
for fraudulent purchase transactions processed over the Visa network.
Transactions.  You  will  retain  for  statement  verification  your  copy  of  each  slip  (ticket/draft) 
resulting  from  each  Purchase,  Cash  Advance  and  other  transaction  on  your  Account.  We  will 
provide  you  with  photographic  or  other  documentary  evidence  of  each  transaction  upon  your 
reasonable request or upon proper written notice of a billing error.
Termination.  Either  you  or  we  may  terminate  or  suspend  your  credit  privileges  under  this 
Agreement at any time. The provisions of this Agreement shall otherwise remain in full force and 
effect until you pay all sums due us.
Transfer of Account. You cannot transfer an Account to any other person.
Honoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card 
or any other credit instrument or device we supply to you.
Refunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your 
Account in lieu of a cash refund.
Change of Address. You will advise us promptly if you change your mailing address. All written 
notices and statements by us to you will be sent to your address as it appears on our records.
Credit Reports. You authorize us to make or have made any credit, employment and investigative 
inquiries  as  we  deem  appropriate  for  the  extension  or  combination  of  credit  or  collection  of 
amounts owing on the Account. We can furnish information concerning your Account or credit file 
to consumer reporting agencies, and others who may properly receive that information.
Irregular  Pay ments.  We  can  accept  late  payments  or  partial  payments,  or  checks  and  money 
orders marked “payment in full” without losing any of our rights under this Agreement.
Default.  You  will  be  in  default  on  this  Agreement  if  you  do  not  make  at  least  the  Minimum 
Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit 
without  our  permission,  become  subject  to  bankruptcy  or  insolvency  proceedings,  attachment 
or garnishment proceedings are instituted against you or your property, or we reasonably deem 
ourself insecure, you provide us with false information or signature, die or fail to comply with any 
provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date 
or after you have exceeded your Credit Limit does not waive the default. Default on any Account 
or other obligation that you have with us will constitute default on all Accounts with us. If you 
are in default, we may, at our option, declare the entire balance due without notice or demand.
Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred 
by us in legal proceedings to collect or enforce the debt on this Account in the event of default 
by you or in the event of a breach of any obligation by you under this Agreement; additionally, 
any amount spent or costs incurred by the credit union in the event of a default will be added 
to the unpaid account balance and finance charges will continue to accrue at the same rate as 
the account.
Delay  in  Enforcement.  We  can  delay  enforcing  our  rights  under  this  Agreement  without  losing 
them.
Amendment  and  Assignment.  Upon  such  notice  to  you,  if  any,  as  may  be  required  by  law, 
the  terms  and  conditions  set  forth  in  this  Agreement  may  be  amended  by  us  at  any  time, 
which  amendment(s)  shall  govern  any  transaction  occurring  prior  to  the  effective  date  of  such 
amendment(s),  as  to  which  there  is  any  unpaid  balance  owing  to  us  on  the  effective  date  of 
such amendment(s), and such amendment(s) shall also govern any transaction occurring after 
such effective date. We will have the right to assign and transfer our rights under this Agreement 
and any amounts you owe to us; and the term “us” shall be deemed to include each and every 
immediate and successive assignee.
Foreign Transactions. If you use your Card for Purchases or Cash Advances in a currency other 
than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, 
Inc. under their rules set forth from time to time. Currently, the rules specify that the currency 
conversion rate is a rate selected by Visa from the range of rates available in wholesale currency 
markets for the applicable central processing date, which rate may vary from the rate Visa itself 
receives, or the government-mandated rate in effect for the applicable central processing date. 
If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the 
credit has a different processing date, then the converted amount of the credit may be greater/
less than the converted amount of the original transaction. The currency conversion rate on the 
day before the transaction processing date will be used and may differ from the rate in effect at 
the time of the original transaction. You agree to accept the converted amount in U.S. dollars. 
ATM Fees. Alaska USA FCU does not charge a fee for any electronic funds transfer you make using 
your Visa credit card. When you use an ATM not owned by Alaska USA FCU you may be charged 
a fee by the ATM operator or any network used.
Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo 
by an online merchant does not mean that transactions are lawful in all jurisdictions in which 
cardholders may be located.
Severability.  If  any  provision  of  this  Agreement  is  held  invalid,  all  valid  provisions  that  are 
severable from the invalid provision remain in effect.
Captions and Catchlines for Reference Only. Captions and catchlines are intended solely as aids 
to convenient reference, and no inference as to intent with respect to this Agreement may be 
drawn from them.
Law Governing. This Agreement is governed by Federal laws and the laws of Alaska to the extent 
they are not preempted by Federal laws and regulations.

Annual Percentage Rate 
(APR) for purchases 
Same rate for purchases, balance transfers, and  
cash advances.

14.5%

How to avoid paying 
interest on purchases 

Annual fee 

Transaction fee 
for cash advances 

You have 25 days to repay 
your balance for purchases 
before being charged a 
finance charge.

$50 (waived for Alaska USA 
checking account holders)

2% of the cash advance 
amount ($10 maximum)

Fee for foreign transactions  No fee

Late payment fee 

Returned payment fee 

Up to $35

Up to $20

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

How  Alaska  USA  will  calculate  your  balance:  Alaska  USA  uses  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.