15. Foreign Transactions: Purchases and cash advances made in foreign 
countries and foreign currencies will be billed to you in U.S. dollars. The 
exchange rate for transactions in a foreign currency will be the rate selected 
by Visa from the processing date, which rate may vary from the rate Visa 
itself receives or the government-mandated rate in effect for the appli-
cable central processing date. The currency conversion rate used on the 
processing date may differ from the rate that would have been used on the 
purchase date or cardholder statement posting date.

16. Changing or Terminating Your Account: The Credit Union may change 
the terms of this Agreement from time to time after giving you any advance 
notice required by law. Your use of the card after receiving notice of a 
change will indicate your agreement to the change. To the extent the law 
permits, and indicated in the notice to you, the change will apply to your 
existing account balance as well as future transactions. Either the Credit 
Union or you may terminate this agreement at any time, but termination by 
you or the Credit Union will not affect your obligation to pay the account 
balance plus any finance charges and other charges you owe under this 
Agreement. The cards you receive remain the property of the Credit Union 
and you must recover and surrender to the Credit Union all cards upon 
request or upon termination of this Agreement whether by you or the Credit 
Union. Failure to surrender your cards will result in a card recovery fee of $50 
each, should you attempt to use the cards.

17. Copies of Documentation: You will be charged a fee for each copy 
of a draft or monthly statement that you request from us. The fee will be 
handled by the Credit Union as an adjustment to the account balance, not 
as a purchase and may not be charged a Finance Charge.

18. Effect of Agreement/Waiver: This agreement is the contract which 
applies to all transactions on your account even though the sales, cash 
advances, credit or other slips you sign or receive may contain different 
terms. The Credit Union can delay enforcing any of its rights any number 
of times without losing them.

19. Statements and Notices: You will receive a statement each month 
showing transactions on your account. You are responsible for your minimum 
monthly payment even in the event your statement is late or returned to 
the Credit Union. Statements and notices will be mailed to you at the most 
recent address you have given the Credit Union. Notice sent to any one of 
you will be considered notice to all.

20. Additional Benefits/Card Enhancements: The Credit Union may from 
time to time offer additional services to your Account, such as travel acci-
dent insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change 
them at any time.

21. Security Interest: If you give the Credit Union a specific pledge of  
savings by signing a separate pledge of savings for this account, your  
account will be secured by your pledged savings. To secure your account 
you grant us a purchase money security interest under the Uniform  
Commercial Code in any goods you purchase through the account. If you 
default, we will have the right to recover any of these goods that have not 
been paid for through our application of your payments in the manner 
described above. Collateral securing other loans with us may also secure 
this account.

22. DuPage Credit Union Inspire Cash Back Signature Program: Eligible 
Inspire Cash Back Signature accounts earn 3% cash back for every dollar 
spent on travel & entertainment purchases; up to a maximum spend of 
$10,000 annually. 3% cash back for every dollar spent in restaurant purchases; 
up to a maximum spend of $6,000 annually. 2% cash back for every dol-
lar spent in grocery stores, supermarkets, and wholesale clubs up to a 
maximum spend of $6,000 annually. 2% cash back for every dollar spent 

in bookstores, including Amazon; up to a maximum spend of $6,000 an-
nually. 1% on all other purchases; no maximum annual spend. $250 Inspire 
Cash Back Signature dollars are earned with $5,000 net spend within the 
first 90 days of account opening. This will be paid as a statement credit to 
the account. (DuPage Credit Union Platinum Rewards Cardholders do not 
qualify for the New Account 90-day $5,000 net spend earning bonus.) No 
cash back is earned for finance charges, fees, cash advances, convenience 
checks, payment of existing card balances, balance transfers and ATM trans-
actions. Inspire Cash Back Signature dollars in this program converted to a 
statement credit cannot be used to satisfy any monthly minimum payment 
obligation on the cardholder account. Annual Spend Bonus: Inspire Cash 
Back Signature Cardholders will earn a $250 anniversary bonus credit when 
you spend $50,000 in a year. Anniversary Bonus will be paid as a state-
ment credit one month after annual anniversary. Cash back accrued each 
statement cycle will be available for redemption at statement close date. 
Cash back will expire (24 months) from account opening, and will expire on 
a rolling, first-in first-out, annual basis. For example: Any unredeemed cash 
back that you earned in October of 2017, will expire October 27th, 2019. 
Cash back can be redeemed at a minimum of $25.

23. Your annual fee for the Inspire Cash Back Signature Card is $95. The 
first year of account opening the annual fee will be waived. Thereafter, if a net 
spend of $25,000 is met, the annual fee will be waived on the statement close 
date of the anniversary of account opening. If an annual fee is assessed, you 
will see the annual fee on the statement close date of the anniversary of ac-
count opening. You will incur the annual fee even if you don’t have a balance.

24. 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.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dispute 
or errors need to be put in writing and sent to: DuPage Credit Union, ATTN: 
Card Services, PO Box 3930, Naperville, IL 60567. You can telephone us, but 
doing so will not preserve your rights. You may also contact us on the web: 
dupagecu.com sending a secure email by logging into your account on Online 
Banking at dupagecu.com. In your letter, give us the following information:
•  Your name and account number.
•  The dollar amount of the suspected error.
•  Describe the error and explain, if you can, why you believe there is an  
error. If you need more information, describe the item you are not  
sure about.

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 incorrect.

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 delin-

quent 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 state-
ment 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 is necessary if your purchase 
was based on an advertisement we mailed to you, or if we own the com-
pany 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: DuPage Credit Union, ATTN: Card 
Services, PO Box 3930, Naperville, IL 60567. 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.

USA PATRIOT ACT. To help the government fight the funding of terrorism 
and money laundering activities, Federal law requires all financial institutions 
to obtain, verify, and record information that identifies each person who 
opens an account. Pursuant to the FACT Act address changes will only be 
accepted via in person and by mail with proper Credit Union verification. 
State laws require the following notices: California Residents: Regardless 
of your marital status, you may apply for credit in your name only. Ohio Residents: 
Ohio anti-discrimination laws require creditors to make credit equally 
available to all creditworthy customers and that credit reporting agencies 
maintain separate credit histories on each individual upon request. The 
Ohio Civil Rights Commission administers these laws. Married Wiscon-
sin Residents: No provision of any marital property agreement, unilateral 
statement, or court order applying to marital property will adversely affect 
a creditor’s interest unless, prior to the time credit is granted, the creditor 
is furnished with a copy of the agreement, statement or court order, or 
has actual knowledge of the provision. You acknowledge that you have 
received a copy of this Agreement that contains the Credit Union’s terms 
and conditions by signing or using the issued card(s). Information about the 
costs of the Credit Card Account described in this disclosure is accurate as 
of October 10, 2017. This information may have changed after this date. To 
find out what may have changed, please write to us at DuPage Credit Union 
PO Box 3930, Naperville, Illinois 60567-3930.

REV 10/17

DuPage Credit Union
Visa® Inspire Cash Back Signature
Truth-In-Lending Terms and Conditions

In this Agreement the words you and your mean each and all of those who 
sign or use the issued Visa Card. Card means a Visa Credit Card and any 
duplicates and renewals the Credit Union issues. Account means your Visa 
Credit Card line of credit account with the Credit Union. Credit Union, we, 
us, and our means the Credit Union whose name appears in this Agreement.

1. Using the Account/Credit Limit: You are approved for a Visa account. 
Signing and using your DuPage Credit Union Visa Card signifies acceptance 
of the following terms and conditions. You agree not to let your account 
balance exceed your approved credit limit. Each payment you make on the 
account will restore your credit limit by the amount of the payment which 
is applied to the principal amount of purchases and cash advances. You may 
request an increase in your credit limit by making a request to the Credit Union.  
The Credit Union has the right to reduce or terminate your credit limit at any time.

2. Responsibility: You agree to pay all charges (purchases, balance transfers 
and cash advances) to your Account that are made by you or anyone whom 
you authorize to use your Account. For example, you are responsible for charges 
made by yourself, your spouse and minor children. You are responsible for 
charges made by anyone else to whom you give the card, and this respon-
sibility continues until the card is recovered. You cannot disclaim responsi-
bility by notifying us, but we will close the account for new transactions if you 
so request and return all cards. If either party closes the account, the credit 
card(s) must be surrendered to the Credit Union. Should unauthorized use 
occur after the account is closed, the card will be picked up by a merchant, 
and you will be responsible for each $50 card recovery fee. Your obligation 
to pay the account balance continues even though an agreement, divorce 
decree or other court judgment to which we are not a party may direct you 
or one of the other persons responsible to pay the account. Joint Ac-
count: Each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can 
require any one of you individually to repay the entire amount owed under 
this Agreement. Each of you authorizes the other(s) to make purchases or 
cash advances individually. Any one of you may terminate the Account and 
the termination will be effective to all of you.

3. Variable Annual Percentage Rate: Your standard variable Annual Percentage 
Rate (APR) for purchases, balance transfers and cash advances may increase 
or decrease quarterly. For each quarter, we determine the APR by adding 
a margin to the U.S. Prime Rate published in the Wall Street journal the last 
business day of the previous calendar quarter. When a change in the Prime 
Rate occurs, the resulting new APR’s will apply to balances on your account 
starting with your next monthly billing cycle.

4. Liability For Unauthorized Use/Lost Card Notification: You agree to 
notify us immediately, orally or in writing of the loss, theft or unauthorized use 
of your Credit Card. If your credit card is lost or stolen, you must notify us in 
writing at the address below or phone us. For stolen cards, include a copy 
of the police report. You will have no liability for unauthorized transactions 
made with your credit card, unless you are grossly negligent in handling of 
your card. This additional limit on liability does not apply to ATM transactions, 
which are not processed by Visa, or to commercial cards.

DuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 
60567-3930, Telephone Number 800-323-2611

5. Monthly Payment: Each month you must pay at least the minimum 
payment shown on your statement within 25 days of the statement clos-
ing date. You may, of course, pay more frequently, pay more than the 
minimum payment, or pay the Total New Balance in full. If you make extra 
payments or larger payments, you are still required to make at least the 
minimum payment each month your account has a balance. The mini-
mum payment is 2% of the Total New Balance but not less than $25.00, 
plus the amount of any prior minimum payments that you have not paid. 
In addition, at any time your Total New Balance exceeds your credit limit, 
you must immediately pay the excess upon demand. If your account is 
subject to a Balance Transfer Fee, the fee as disclosed will be charged to 
your account in the month that the Balance Transfer is completed. This 
may increase your minimum monthly payment during the month that the 
Balance Transfer Fee is assessed.

6. Payment Allocation: Subject to applicable law, your minimum payment 
amount may be applied to what you owe the Credit Union in the following 
order: Finance charges, fees, previous promotional balance, balance cash, 
balance retail, cycle-to-date promotional, cycle-to-date cash, cycle-to-date 
retail. Any payment amount in excess of the minimum will be applied first 
to the card balance bearing the highest rate of interest, and then to each 
successive balance bearing the next highest rate of interest. If two or more 
balances have the same rate of interest, the older balance is paid first, until 
the payment is exhausted.

7. Finance Charges: In order to avoid a finance charge on Purchases made 
since your last statement date, you must pay the Total New Balance shown 
on your statement within 25 days of the statement closing date. Otherwise, 
finance charges on purchases are calculated from the beginning of the next 
statement period on previously billed but unpaid purchases and on new 
purchases from the date they are posted to your account. Cash advances 
are always subject to finance charge from the date of transaction. We figure 
the finance charge separately for purchases and cash advances on your 
account by applying the applicable periodic rate set forth below to the “aver-
age daily balance” of purchases (including current transactions), and to the “av-
erage daily balance” of cash advances (including current transactions). To get 
each “average daily balance”, we take the beginning balance each day, add 
any new purchases (if calculating the “average daily balance” for purchases), 
add any new cash advances (if calculating the “average daily balance” for 
cash advances), and subtract any payments or credits. This gives us the 
daily balance. Then, we add up all the daily balances for the billing cycle and 
divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.”

8. Other Fees and Charges: Other fees and charges that will be added are 
as shown in the table to the right.

9. Cash Advance/Balance Transfer Information: Cash Advances/Balance 
Transfers are not subject to a grace period. DuPage Credit Union is not re-
sponsible for any merchant delays in processing transactions. Balance Trans-
fers cannot be used to pay other DuPage Credit Union obligations. Balance 
Transfers and cash advances do not qualify to earn cash back. The Credit 
Union reserves the right to place a maximum limit for daily cash advance 
transactions. Accounts will be limited to two (2) cash advance transactions 
per 24 hour period. Cash Advances performed through an ATM have a daily 
maximum limit of $500 and will be limited to two (2) per 24 hour period. 
Single transaction maximum limit for cash advance withdrawal at a financial 
institution is 25% of your credit limit.

Cash Advance Fee: The fee will be added to the appropriate advance bal-
ance with the cash advance. (The amount of the cash advance may include 
a surcharge that the ATM owner imposes.) 

Visa® Inspire Cash Back Signature

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases

Annual Percentage Rate (APR)  
for Balance Transfers

APR for Cash Advances

12.24% to 21.24% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

12.24% to 21.24% based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.

14.24% to 23.24% based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest  
on Purchases

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.

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

Annual Fee

Transaction Fees

• Balance Transfer
• Cash Advance

• Foreign Transaction

Penalty Fees

• Late Payment
• Over-the-Credit-Limit
• Returned Payment

Other Fees

$95 (Waived for the first year)

None
3% of the Cash Advance including Convenience Checks unless 
otherwise disclosed ($5 minimum/$50 maximum fee)
None

Up to $25
None
Up to $25

• Returned Convenience Check
• Expedited Card Delivery
• Card Replacement

$25
$30
$10

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” If you fail to make two consecutive required payments on 
your account you will be considered in default and all Inspire Cash Back Signature dollars will be forfeited.

Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide 
them to us. Balance Transfers incur interest charges from the date of the transaction. The minimum Balance Transfer amount is $500. Allow at least 2 weeks for 
processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may 
not be used to pay off or down any account issued by DuPage Credit Union.

Upgrading From One DuPage Credit Union Credit Card Program to Another: Upon activating your new DuPage Credit Union Credit Card, your old credit card 
will be closed and any unpaid, promotional balances will be transferred to your new DuPage Credit Union Credit Card at the current purchase APR.

10. Current DuPage Credit Union Visa Inspire Cash Back Signature Card-
holders: Upon signing an application for a DuPage Credit Union Platinum 
Advantage Visa Credit Card, you agree to forfeit all unused Inspire Cash 
Back Signature dollars.

11. Default: You will be in default if you fail to make any minimum payment 
or other required payment by the date that it is due. You will be in default 
if you break any promise you make under this Agreement. You will be in 
default if you die, file for bankruptcy or become insolvent, that is, unable to 
pay your obligations when they become due. You will be in default if you 
make any false or misleading statements in any credit application or credit 
update. You will also be in default if something happens which the Credit 
Union believes may substantially reduce your ability to repay what you owe. 
When you are in default, the Credit Union has the right to demand immedi-
ate payment of your full account balance without notice. If immediate pay-
ment is demanded, you will continue to pay finance charges and fees until 
what you owe has been paid, and any savings that were given as security 
will be applied towards what you owe. We may enter into a contingent 
or hourly fee arrangement with an attorney and/or collection agency to 
collect the amounts you owe us and you agree that such arrangement is 
reasonable. This provision also applies to bankruptcy, appeals or post-judg-
ment proceedings. You promise to pay all costs of collecting the amount 
you owe if your Visa account is in default. These costs will include reason-
able attorney fees, court costs and/or collection agency fees and all other 
costs permitted under state law and regulation. If your account is charged 
off all balances will revert to the highest APR on the account. The Credit 
Union reserves the right to remove all unredeemed Inspire Cash Back dollars 
and block the account from earning future Inspire Cash Back dollars if you fail 
to make a required payment for two consecutive billing cycles, your account is 
not in good standing, your account is inactive for a 6-month period of time, if 
the cardholder(s) are deceased, the Credit Union detects suspicious activity or 
the account is closed for any reason.

12. Using the Card: You may use the card issued to you to make purchases 
in person, and by mail or telephone from merchants and others who accept 
credit cards. In addition, you may obtain cash advances from the Credit 
Union, from other financial institutions participating in the Visa program, and 
from automated teller machines (ATM’s), such as Visa ATM network, that 
provide access to the Visa system. (Not all ATM’s provide such access.) You 
will need to use your Personal Identification Number (PIN) to obtain a cash 
advance from an ATM. Illegal Transactions: You will not use your DuPage 
Credit Union Visa Credit Card for any illegal transaction. Internet Gambling: 
You may use your card to purchase goods and services from participating 
merchants. However, you may not use your card to initiate any type of 
electronic gambling transaction through the Internet. Also, you agree that 
you will not use your card for any transaction that is illegal under applicable 
federal, state, or local law.

13. Returns and Adjustments: Merchants and others who honor the Card 
may give credit for returns or adjustments. If your credits and payments 
exceed what you owe us, we will hold and apply this credit balance against 
future purchases and cash advances, or if it is $1 or more, refund it on your 
written request or automatically after 6 months.

14. Merchant Disputes: The Credit Union is not responsible for the refusal 
of any merchant or financial institution to honor the card. The Credit Union 
is subject to claims and defenses (other than tort claims) arising out of 
goods or services you purchase with the card if you have made a good faith 
attempt but have been unable to obtain satisfaction from the merchant 
or service provider, and (a) your purchase was made in response to an 
advertisement the Credit Union sent or participated in sending to you; or 
(b) your purchase cost more than $50 and was made in your state or within 
100 miles of your home.