Credit Card
Application
INVESTEXCU.ORG 
281.449.01097.97.9%%
APR*APR*
On MasterCard 
Platinum PremierRates as 
low as
With Rewards
9.9%   
12.9% 
*APR is Annual Percentage Rate. Rates Differ on Other Credit Card Products Offered at InvesTex.
Revised 02/22How Will We Calculate Your Balance?  We use a method 
called �average daily balance (including new purchases).�  
See your account agreement for more details.
Billing Rights: Information on your rights to dispute 
transactions and how to exercise those rights is provided  
in your account agreement.
The information disclosed here is accurate as of February 2, 
2022.  Approval is based on your credit information obtained 
from consumer credit reporting agencies InvesTex Credit 
Union uses.  Credit card changes require 45 days advance 
notice.  Credit card holders may cancel their credit card prior 
to the effective date of a rate change or other significant 
changes.
InvesTexCU.org
281.449.0109
Fax 281.219.7664
Info@InvesTexCU.org
This credit union is federally insured by the
National Credit Union Administration.Hours of OperationAldine Branch
905 Aldine Bender
Houston, Texas 77032 
Cypresswood Branch
230 Cypresswood Drive, Suite H
Spring, Texas 77388 
Atascocita Branch
5212 Atascocita Road
Humble, Texas 77346Tomball Branch
24922 Tomball Parkway, Suite 100
Tomball, Texas 77375 
NLW-Heights Branch
1614 N. Durham
Houston, Texas 77008
FM 1960 Branch & Corporate Office
8404 FM 1960 Bypass Road W
Humble, Texas 77338  Interest Rates and Interest Charges
Annual Percentage 
Rate (APR) for
Purchases,
Balance Transfers,
and Cash Advances    
This APR is not tied to an index 
and will not vary with the market.
Penalty APR and When It Applies None
Paying Interest Your due date is at least 
25 days after the close of 
each billing cycle.  We will 
not charge you interest on 
purchases if you pay your entire 
balance by the due date each 
month.  We will begin charging 
interest on cash advances 
and balance transfers on the 
transaction date.
Minimum Interest Charge 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 
www.consumerfinance.gov/
learnmore.
Fees
Annual Fee None
Transaction Fees
� Balance Transfer
� Cash Advance
� Foreign TransactionNone
None
1% of each transaction amount 
in U.S. dollars.
Penalty Fees
� Late Penalty
� Over-the-Credit Limit
� Returned PaymentEither $30 each month the 
minimum payment is not paid 
within ten (10) days of the 
due day or the amount of your 
minimum payment if below $30.
None
Up to $33 fee for each item 
returned.Without Rewards
7.9%   
10.9% 
13.9%MasterCard  
Platinum PremierMasterCard  
Platinum Premier
MasterCard  
PlatinumMasterCard  
Platinum
MasterCard  
Platinum Secured
Lobby Hours
Monday, Tuesday, Wednesday, Friday: 8:30am to 5:00pm
Thursday: 9:00am to 5:00pm
Saturday: 8:30am to 3:00pm
Drive-Thru 
Monday-Friday: 8:30am to 6:00pm
Saturday: 8:30am to 3:00pm
eBranch 
Monday-Friday: 8:30am to 6:00pm
Saturday: 8:30am to 3:00pm PERSONAL REFERENCE   RELATIONSHIP:                                                                                                                       HOME PHONE:
NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU:
STATE LAW NOTICES    OHIO RESIDENTS ONLY : THE OHIO LAWS AGAINST DISCRIMINATION REQUIRE THAT ALL CREDITORS 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 COMPLIANCE WITH THIS LAW.
WISCONSIN RESIDENTS ONLY: (1) NO PROVISION OF ANY MARITAL PROPERTY AGREEMENT UNILATERAL STATEMENT UNDER SECTION 766.59, OR COURT DECREE 
UNDER SECTION 766.70 WILL ADVERSELY AFFECT THE RIGHTS OF THE CREDIT UNION UNLESS THE CREDIT UNION IS FURNISHED A COPY OF THE AGREEMENT, STATEMENT 
OR DECREE, OR HAS ACTUAL KNOWLEDGE OF ITS TERMS, BEFORE  THE CREDIT IS GRANTED OR THE ACCOUNT IS OPENED. (2) PLEASE SIGN IF YOU ARE NOT APPLYING 
FOR THIS ACCOUNT OR LOAN WITH YOUR SPOUSE. THE CREDIT BEING APPLIED FOR, IF GRANTED, WILL BE INCURRED IN THE INTEREST OF THE MARRIAGE OR FAMILY OF 
THE UNDERSIGNED.
  X
    SIGNATURE FOR WISCONSIN RESIDENTS ONLY                                                                  DATE
SIGNATURES
YOU PROMISE THAT EVERYTHING YOU HAVE STATED IN THIS APPLICATION IS CORRECT TO THE BEST OF YOUR KNOWLEDGE. IF THERE ARE ANY IMPORTANT CHANGES 
YOU WILL NOTIFY US IN WRITING IMMEDIATELY . YOU AUTHORIZE THE CREDIT UNION TO OBTAIN CREDIT REPORTS IN CONNECTION WITH THIS APPLICATION FOR CREDIT 
AND FOR ANY UPDATE, INCREASE, RENEWAL, EXTENSION, OR COLLECTION OF THE CREDIT RECEIVED. YOU UNDERSTAND THAT THE CREDIT UNION WILL RELY ON THE 
INFORMATION IN THIS APPLICATION AND YOUR CREDIT REPORT TO MAKE ITS DECISION. IF YOU REQUEST, THE CREDIT UNION WILL TELL YOU THE NAME AND ADDRESS 
OF ANY CREDIT BUREAU FROM WHICH IT RECEIVED A CREDIT REPORT ON YOU. IT IS A FEDERAL CRIME TO WILLFULLY AND DELIBERATELY PROVIDE INCOMPLETE OR 
INCORRECT INFORMATION ON LOAN APPLICATIONS MADE TO FEDERAL CREDIT UNIONS OR STATE CHARTERED CREDIT UNIONS INSURED BY NCUA. YOU UNDERSTAND 
THAT THE USE OF YOUR CARD WILL CONSTITUTE ACKNOWLEDGEMENT OF RECEIPT AND AGREEMENT TO THE TERMS OF THE CREDIT CARD AGREEMENT. A CONDITION 
OF YOUR ACCOUNT IS YOUR GRANTING US A SECURITY INTEREST IN YOUR SHARE ACCOUNTS. BY SIGNING BELOW YOU GRANT US A SECURITY 
INTEREST IN ALL INDIVIDUAL AND JOINT SHARE AND/OR DEPOSIT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE YOUR 
CREDIT CARD ACCOUNT. WHEN YOU ARE IN DEFAULT WE MAY APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE UNDER THE 
CREDIT CARD AGREEMENT. SHARES AND DEPOSITS IN AN INDIVIDUAL RETIREMENT ACCOUNT AND ANY OTHER ACCOUNT THAT WOULD LOSE 
SPECIAL TAX TREATMENT UNDER THE STATE OR FEDERAL LAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THIS SECURITY INTEREST.
  
 X                                                     (SEAL)                                                                            X                                                    (SEAL)
         APPLICANT�S SIGNATURE                                                                  DATE                       OTHER SIGNATURE                                                                        DATE8404 FM 1960 Bypass Road W
Humble, TX 77338
(281) 449-0109 . InvesTexCU.orgA table that includes the APRs and 
other required cost disclosures for 
credit card applications is on the 
reverse side of this application.
nn
NAME (Last - First - Initial)  MOTHER�S MAIDEN NAME
MEMBER NUMBER SOCIAL SECURITY NUMBER
DRIVER�S LICENSE NUMBER /STATE
BIRTH DATE                                HOME PHONE                              WORK PHONE/EXT.
                                                   (        )                                          (        )
E-MAIL ADDRESS
PRESENT ADDRESS (STREET-CITY-STATE-ZIP)                                                                                            OWN            RENT
PAYMENT $
Employment       NAME AND ADDRESS OF EMPLOYER
START DATE  POSITION
NOTICE : ALIMONY , CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE 
REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
GROSS EMPLOYMENT INCOME                                             OTHER INCOME
$________________PER_____________       $________________PER_____________
                                                                                   SOURCECheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.
q Individual Credit: You must complete the Applicant  section about yourself and the Other  section about your spouse if: (1) you live in or the property you pledged as    
        collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV , TX, WA, WI); (2) your spouse will use the account; or (3) you are relying on your spouse�s 
        income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible 
        about the person on whose payments you are relying. 
q Joint Credit:  Each applicant must individually  complete the appropriate section below. If the Co-Borrower is the spouse of the applicant, mark the Co-Applicant box.
q Guarantor: Complete the Other  section if you are a guarantor on an account/loan.
Other:         nCo-Applicant    nAuthorized User
NAME (Last - First - Initial)  MOTHER�S MAIDEN NAME
MEMBER NUMBER SOCIAL SECURITY NUMBER
DRIVER�S LICENSE NUMBER /STATE
BIRTH DATE                                HOME PHONE                              WORK PHONE/EXT.
                                                   (        )                                          (        )
E-MAIL ADDRESS
PRESENT ADDRESS (STREET-CITY-STATE-ZIP)                                                                                            OWN            RENT
PAYMENT $
Employment       NAME AND ADDRESS OF EMPLOYER
START DATE  POSITION
NOTICE : ALIMONY , CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE 
REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.  
GROSS EMPLOYMENT INCOME                                             OTHER INCOME
$________________PER_____________       $________________PER_____________
                                                                                   SOURCECREDIT CARD APPLICATION
DETACH AND RETURN THIS APPLICATION TO YOUR CREDIT UNIONq PLATINUM PREMIER WITH REWARDS     q PLATINUM PREMIER WITHOUT REWARDS     q PLATINUM WITH REWARDS   
q PLATINUM WITHOUT REWARDS     q PLATINUM SECUREDFOR CREDIT 
UNION USE 
ONLY q APPROVED          NO. OF CARDS_______      CREDIT LIMIT $______________   CREDIT CARD NUMBER______________________________
q DECLINED           CREDIT COMMITTEE OR LOAN OFFICER SIGNATURE_________________________________________________________Limit Requested $
Revised 02/22 In this Agreement the words �you� and �your� mean each and all of those who agree 
to be bound by this Agreement; �Card� means the MasterCard credit card and any 
duplicates, renewals, or substitutions the Credit Union issues to you; �Account� means 
your MasterCard credit card line of credit account with the Credit Union, and �Credit 
Union� means the Credit Union whose name appears on this Agreement or anyone to 
whom the Credit Union transfers this Agreement.
1. Using Your Account -  If you are approved for an Account, the Credit Union will 
establish a line of credit for you and notify you of your credit limit. You agree that your 
credit limit is the maximum amount (purchases, cash advances, finance charges, plus 
�other charges�) that you will have outstanding on your Account at any time. If you 
are over your credit limit, you must pay the amount you are over before payments will 
begin to restore your credit limit. You may request an increase in your credit limit only 
by a method acceptable to the Credit Union. The Credit Union has the right to reduce 
your credit limit, refuse to make advance and/or terminate your Account at any time for 
any reason not prohibited by law.
2. Using Your Card - You may use your card to make purchases from merchants and 
others who accept MasterCard Cards. However, you may not use your Card to initiate 
any type of gambling transaction. If you wish to pay for goods or services over the 
internet, you may be required to provide card member security information before you 
will be permitted to complete the transaction. You may also obtain cash advances from 
the Credit Union and from other financial institutions that accept MasterCard Cards, 
and from some automated teller machines (ATMs). (Not all ATMs accept MasterCard 
Cards.) To obtain cash advances from an ATM, you must use the Personal Identification 
Number (PIN) that is issued to you for use with your Card. You agree that you will not 
use your Card for any transaction that is illegal under applicable federal, state, or local 
law.
3. Responsibility -  You agree to pay all charges (purchases and cash advances) to 
your Account that are made by you or anyone whom you authorize to use your Account. 
You also agree to pay all finance charges and other charges added to your Account 
under the terms of this Agreement or another agreement you made with the Credit 
Union. If this is a joint Account, Section 19 below also applies to your Account.
4. Military Lending Act - Federal law provides important protections to members 
of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or 
her dependent may not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account:  The costs associated 
with credit insurance premiums; fees for ancillary products sold in connection with the 
credit transaction; any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and any participation fee charged (other than 
certain participation fees for a credit card account.)
Please call us at 281-449-0109 to receive oral disclosures of the Military Lending Act 
disclosure above and a description of the payment obligation. 
5. Finance Charges -  If your Card features an Introductory Rate, you will pay a FINANCE 
CHARGE for the transaction categories and time period, and at the introductory periodic 
rate and ANNUAL PERCENTAGE RATE set forth on the Account Opening Disclosures 
provided after your application is approved. After the introductory period, and during the 
introductory period for any transaction categories not subject to the Introductory Rate: 
You will pay a FINANCE CHARGE for all advances made against your MASTERCARD 
PLATINUM SECURED  credit card at the periodic rate of .0380822% per day, which 
has a corresponding ANNUAL PERCENTAGE RATE of 13.9%.  You will pay a FINANCE 
CHARGE for all advances made against your MASTERCARD PLATINUM credit card 
(With Rewards) at the periodic rate of .0353425% per day, which has a corresponding 
ANNUAL PERCENTAGE RATE of 12.9%.  You will pay a FINANCE CHARGE for all 
advances made against your MASTERCARD PLATINUM credit card (Without Rewards) 
at the periodic rate of .0298630% per day, which has a corresponding ANNUAL 
PERCENTAGE RATE of 10.9%.  You will pay a FINANCE CHARGE for all advances made 
against your MASTERCARD PLATINUM PREMIER  credit card (With Rewards) at the 
periodic rate of .0271233% per day, which has a corresponding ANNUAL PERCENTAGE 
RATE of 9.9%.  You will pay a FINANCE CHARGE for all advances made against your 
MASTERCARD PLATINUM PREMIER  credit card (Without Rewards) at the periodic rate 
of .0216438% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 
7.9%. Cash advances incur a FINANCE CHARGE from the date they are posted to the 
account. If you have paid your account in full by the due date shown on your previous 
statement, or there is no previous balance, you have not less than 25 days to repay 
your account balance before a FINANCE CHARGE on new purchases will be imposed. 
Otherwise there is no grace period and new purchases will incur a FINANCE CHARGE 
from the date they are posted to the account. The FINANCE CHARGE is figured by applying the periodic rate to the �balance subject to FINANCE CHARGE� which is the 
�average daily balance� of your account, including certain current transactions. The 
�average  daily balance� is arrived by taking the beginning balance of your account 
each day and adding any new cash advances, and, unless you pay your account in full by 
the due date shown on your previous monthly statement or there is no previous balance, 
adding in new purchases, and subtracting any payment or credits and unpaid FINANCE 
CHARGES. The daily balances for the billing cycle are then added together and divided 
by the number of days in the billing cycle. The result is the �average daily balance�. 
The FINANCE CHARGE is determined by multiplying the �average daily balance� by 
the number of days in the billing cycle and applying the periodic rate to the product. 
You may pay any amounts outstanding at any time without penalty for early payment.
6. Other Charges  - The following other charges (fees) will be added to your Account, 
as applicable: 
a. Over-the-Credit-Limit Fee: None
b. Late Payment Fee: Either $30 each month the minimum payment is not paid 
within ten (10) days of the due day or the amount of your minimum payment if below 
$30.
c. Return Check Fee: If a check or share draft used to make a payment on your 
account is returned unpaid, you may be charged a fee up to $33 for each item returned. 
In no event will the Return Check Fee exceed the required minimum payment for the 
applicable statement period. 
d. Collection Costs: You agree to pay all costs of collecting the amount you owe 
under this Agreement, including court costs and reasonable attorney�s fees.
7. Payments - Each month you must pay at least the minimum payment shown on 
your statement by the date specified on the statement or no later than twenty-five (25) 
days from the statement closing date, whichever is later. If your statement says the 
payment is �Now Due,� your payment is due no later than twenty-five (25) days from 
the statement closing date. You may pay more frequently, pay more than the minimum 
payment or pay the Total New Balance in full. If you make extra or larger payments, 
you are still required to make at least the minimum payment each month your Account 
has a balance (other than a credit balance).  The minimum payment is 3% of your Total 
New Balance, or $15.00, whichever is greater, plus the amount of any prior minimum 
payments that you have not made, and any amount you are over your credit limit. The 
Credit Union also has the right to demand immediate payment of any amount by which 
you are over your credit limit.
8. Payment Allocation -  Subject to applicable law, your payments may be applied to 
what you owe the Credit Union in any manner the Credit Union chooses.
9. Security Interest -  If you give the Credit Union a specific pledge of shares by 
signing a separate pledge of shares, your pledged shares will secure your Account. 
You may not withdraw amounts that have been specifically pledged to secure your 
Account until the credit union agrees to release all or part of the pledged amount. In 
addition, your Account is secured by all other shares you have in any individual or joint 
account with the Credit Union, except for shares in an Individual Retirement Account 
or in any other account that would lose special tax treatment under state or federal 
law if given as security. You authorize the Credit Union to apply the balance in your 
individual or joint share accounts to pay any amounts due on your Account if you should 
default. Collateral securing other loans you have with the Credit Union may also secure 
this loan, except that a dwelling will never be considered as security for this Account, 
notwithstanding anything to the contrary in any other agreement.
10. 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 that 
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 immediate payment 
of your full Account balance without giving you notice. If immediate payment is 
demanded, you agree to continue paying finance charges, at the periodic rate charged 
before default, 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.
11. Liability for Unauthorized Use-Lost/Stolen Card Notification -  You agree 
to notify us immediately, orally or in writing, at 8404 FM 1960 Bypass Road W, Humble, 
TX 77338, or 800-449-7728, of the loss, theft, or unauthorized use of your credit card. 
You may be liable for the unauthorized use of your credit card. You will not be liable for 
8404 FM 1960 Bypass Road W
Humble, TX 77338
Phone: (281) 449-0109
Fax: (281) 219-7664
InvesTexCU.org
MASTERCARD CREDIT CARD AGREEMENT unauthorized use that occurs after you notify us of the loss. If you exercise reasonable 
care in safeguarding your card from risk of loss or theft and, upon discovering the loss or 
theft promptly report the loss or theft to us, you will not be liable for any unauthorized 
transactions. In any case, your liability will not exceed $50.00.
12. Changing or Terminating Your Account - The Credit Union may change 
the terms of the Agreement from time to time. Notice of any change will be given in 
accordance with applicable law. If permitted by law and specified in the notice to you, 
the change will apply to your existing Account balance as well as to future transactions. 
Either you or the Credit Union 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 and other charges your owe under this agreement. You are 
also responsible for all transactions made to your Account after termination, unless the 
transactions were unauthorized.
The Card or Cards you receive remain the property of the Credit Union and you must 
recover or surrender to the Credit Union all Cards upon request or upon termination 
of this Agreement whether by you or the Credit Union. The Credit Union has the right 
to require you to pay your full Account balance at any time after your Account is 
terminated, whether it is terminated by you or the Credit Union. If this is a joint Account, 
Section 19 of this Agreement also applies to termination of the Account.
13. Credit Information -  You authorize the Credit Union to investigate your credit 
standing when opening or reviewing your Account. You authorize the Credit Union 
to disclose information regarding your Account to credit bureaus and creditors who 
inquire about your credit standing. If your account is eligible for emergency cash and/or 
emergency card replacement services, and you request such services, you agree that we 
may provide you with the requested service(s).
14. Returns and Adjustments -  Merchants and others who honor your Card may 
give 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 or more, it will be refunded upon 
your written request or automatically after six (6) months. 
15. Automatic Billing Updater (ABU) -  InvesTex Credit Union subscribes to the 
MasterCard Automatic Biller Updater program and provides updated card information 
to the service. Merchants who may participate in the Automatic Billing Updater program 
will receive updated cardholder information for recurring card transactions. Information 
such as your expiration date, card number (if the original card was lost/stolen/transferred) 
and closed card notifications are updated with this service and communicated directly 
to participating  merchants with whom you have recurring payments. To ensure your 
payments continue uninterrupted, we recommend you continue to notify each merchant 
of any card changes since not all merchants subscribe to this service.  
16. Additional Benefits/Card Enhancements -  The Credit Union may from time to 
time offer additional services to your Account, such as travel accident 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. 
17. Foreign Transactions -   Purchases, cash advances and cash withdrawals made in 
foreign currencies will be debited from your account in U.S. dollars. The exchange rate 
used to convert foreign currency transactions to U.S. dollars is either a government-
mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. 
The rate MasterCard uses for a particular transaction is the rate MasterCard selects for 
the applicable currency on the day the transaction is processed. This rate may differ 
from the rate applicable on the date the transaction occurred or was posted to your 
account.                                                                                                                                             
A fee of up to 1 percent will be charged on all transactions completed outside of the 
United States where the cardholder�s country code differs from the merchant�s country 
code. In addition, a fee up to 1 percent will be charged on all transactions completed 
in a foreign currency. All fees are calculated based on the transaction amount after it is 
converted to U.S. dollars. These fees are charged except where included. 
18. Merchant Disputes -  The Credit Union is not responsible for the refusal of 
any merchant or financial institution to honor your 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 
one hundred (100) miles of your home.
19. Joint Accounts -  If this is a joint Account, each person on the Account must sign 
the Agreement (by signing on the application). 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 as to all of you.
20. Effect of Agreement -  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.21. No Waiver -  The Credit Union can delay enforcing any of its rights any number of 
times without losing them.
22. Statement And Notices -  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. 
23. Final Expression -  This Agreement is the final expression of the terms and 
conditions of this MasterCard line of credit between you and the Credit Union. This 
written Agreement may not be contradicted by evidence of any alleged oral agreement.
24. Copy Received -  You acknowledge that you have received a copy of the 
Agreement. 
25. Signatures -  By signing in the Signature area of the application form that was 
attached to this Agreement when you received it, you agree to the terms of this 
Agreement. You should detach this Agreement from the application and retain it for 
your records.
26. Credit Card Changes -  Any Credit Card changes require 45 days advance notice. 
Credit Card holders may cancel their credit card prior to the effective date of the 
changes.
27. Age -  Applicants must be 21 years of age or a parent/legal guardian will be 
required to sign as a co-applicant. 
YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities 
under the Fair Credit Billing Act.
Notify Us In Case of Errors Or Questions About Your Bill -   
If you think your bill is wrong or if you need more information about a transaction on 
your bill, write us on a separate sheet at the address listed on your bill. Write to us as 
soon as possible. We must hear from you no later than sixty (60) days after we sent you 
the first bill on which the error or problem appeared. You can telephone us, but doing 
so will not preserve your rights.
In your letter, give us the following information:
� Your name and account number.
� The dollar amount of the suspected error.
� Describe the error and explain, if you can, why you believe  there is an error. If you 
need more information, describe the item you are not sure about. 
If you have authorized us to pay your credit card bill automatically from your savings or 
share draft 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 thirty (30) days, unless we have corrected the 
error by then. Within ninety (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 an 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 to that you 
have a question about your bill. And, we must tell you the name of anyone we reported 
you to. We must tell anyone we report you to that the matter has been settled between 
us when it finally is. 
If we don�t follow these rules, we can�t collect the first $50 of the questioned amount, 
even if your bill was correct.
Special Right 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 (2) limitations on this right:
� You must have made the purchase in your home state or within one hundred 
(100)  miles of your current mailing address; and
� 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. Rev. 02/23/22
AMENDMENT TO CREDIT CARD APPLICATION AND
MASTERCARD CREDIT CARD AGREEMENT
The following terms supersede the same terms appearing in the Credit Card Application and
MasterCard Credit Card Agreement. All other terms remain in effect.Fees
Annual Fee None
Transaction Fees
Foreign Transaction
Cash AdvanceUp to 2% of each transaction in U.S. dollars
NonePenalty Fees
Late Payment
Returned PaymentUp to $30
Up to $33
How We Will Calculate Your Balance: We use a metho
ard Agreement for more details.
The information about the costs of the cards described in this application is accurate as of 
8/2020. This information may have changed after that date. To find out what may have changed, 
write to us at InvesTex Credit Union, 8404 FM 1960 Bypass West Road, Humble, TX 77338 or 
call (281) 449-0109.Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for Purchases, Balance Transfers, and Cash 
AdvancesPlatinum Platinum Premier Platinum Secured
0%intro APR for 12 monthly billing
cycles on all balance transfers and cash 
advances processed for the first 90 days 
after a new credit card account is opened.Without Rewards 
10.9%
With Rewards
12.9%Without Rewards 
7.9%
With Rewards
9.9%13.9%
How to Avoid Paying 
Interest on PurchasesYour due date is at least 25 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date each month.For Credit Card Tips from 
the Consumer Financial 
Protection BureauTo 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