P.O. Box 10233 • Rock Hill, SC 29731 
803-367-4100 • www.familytrust.org 

Credit Disclosure for Variable Rate Visa Platinum Awards Credit Card 

Interest Rates and Interest Charges 
ANNUAL PERCENTAGE RATE 
for Purchases 

ANNUAL PERCENTAGE RATE 
for Balance Transfers 

ANNUAL PERCENTAGE RATE 
for Cash Advances 

How To Avoid Paying 
Interest on Payments 
For Credit Card Tips From 
The Consumer Financial 
Protection Bureau 
FEES 
Set-up And Maintenance Fees 

Annual Fee 
Card Replacement Fee 

Transaction Fees 
Penalty Fees 
       Late Payment 

       Return Check Fee 
       Returned Convenience Check 

Interest Rates and Interest Charges 
ANNUAL PERCENTAGE RATE 
for Purchases 

ANNUAL PERCENTAGE RATE 
for Balance Transfers 

ANNUAL PERCENTAGE RATE 
for Cash Advances 

How To Avoid Paying 
Interest on Payments 

For Credit Card Tips From 
The Consumer Financial 
Protection Bureau 
FEES 
Set-up And Maintenance Fees 

Annual Fee 
Card Replacement Fee 

Transaction Fees 
Penalty Fees 
       Late Payment 

       Return Check Fee 
       Returned Convenience Check        

8.20% to 13.20% 

8.20% to 13.20% 

When you open your account based on your 
creditworthiness. After that, your APR will vary 
with the market based on the Prime Rate. 
When you open your account based on your 
creditworthiness. After that, your APR will vary 
with the market based on the Prime Rate. 
When you open your account based on your 
creditworthiness. After that, your APR will vary 
with the market based on the Prime Rate. 

8.20% to 13.20% 
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. 
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  

None 
$6.00 each card 
1% of transaction amount for international conversion 
If your payment is not received by the end of the business day of the date the 
payment is due, you will be charged a late fee as shown below: 
$25.00 if the minimum payment due is $25.00 or greater 
$20.00 if the minimum payment due is $20.00 to $24.00 
$0 if the minimum payment due is less than $20.00 
$10.00 
$32.00 if presented but not sufficient credit limit available 

7.20% to 18.00% 

7.20% to 18.00% 

When you open your account based on your 
creditworthiness. After that, your APR will vary 
with the market based on the Prime Rate. 
When you open your account based on your 
creditworthiness. After that, your APR will vary 
with the market based on the Prime Rate. 
When you open your account based on your 
creditworthiness. After that, your APR will vary 
with the market based on the Prime Rate. 

7.20% to 18.00% 
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. 
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 

None 
$6.00 each card 
1% of transaction amount for international conversion 

If your payment is not received by the end of the business day of the date 
the payment is due, you will be charged a late fee as shown below: 
$25.00 if the minimum payment due is $25.00 or greater 
$20.00 if the minimum payment due is $20.00 to $24.00 
$0 if the minimum payment due is less than $20.00 
$10.00 
$32.00 if presented but not sufficient credit limit available 

Credit Disclosure for Variable Rate Preferred Rate Visa Credit Card 

ConmarSystems, Peachtree City, GA 30269 – EFORM 16442-1 Rev. 1/16 Visa Plat / Preferred Rate                                                                                                                                               Page 1 of 5 

 
 
 
 
 
 
       
 
 
 
 
 
       
 
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 VISA Platinum or 
Preferred Rate VISA credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; “Account” means your VISA 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 an 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 VISA Cards. However, you may not 
use your Card to initiate any type of electronic gambling transaction through the Internet. If you wish to pay for goods or services over the Internet, 
you  may  be  required  to  provide card  number security  information  before  you  will  be  permitted  to  complete the transaction.  In  addition,  you may 
obtain cash advances from the Credit Union and from other financial institutions that accept VISA Cards, and from some automated teller machines 
(ATMs). (Not all ATMs accept VISA 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. OVERDRAFT PROTECTION: If you are approved for overdraft protection cash advances from this account, the credit union may transfer 
cash advances to prevent overdrafts on the designated checking account.  You authorize us to make overdraft cash advances by transfer in an 
amount determined by us regardless of the amount of the overdraft. We will not make an overdraft cash advance that will cause you to exceed your 
account credit limit. Overdraft cash advances privileges may be canceled even if the account remains open for other purposes. 

3.    CREDIT LIMIT – Your maximum credit limit is $____________.  At our discretion, we may change your credit limit at any time, and may provide 
separate limits for purchases and for cash advances.  We will notify you if we do, either by mail or through your monthly billing statement. You may 
request a change to your credit limit by contacting the Credit Union by telephone, mail, secure chat, or in person.  Your continued use of the card 
will  show  your  agreement  to  any  such  increase.   If  you  object  to  an  increase  in  your  credit  limit,  you  must  notify  Credit  Union  in  writing.   Upon 
receipt of such notice, your credit limit will be reduced to its prior limit. However, you will be responsible to pay any amounts by which you have 
exceeded the reduced limit.  You agree to pay any amounts you owe that exceed your maximum credit balance upon demand. You agree we are 
not obligated to extend to you credit for any amount that would cause your outstanding balance to exceed your Maximum Credit Limit, or for any 
amount if your outstanding balance already exceeds your Maximum Credit Limit. Any increase in your Maximum Credit Limit requested by you will 
require you to make a written application for our approval. In assessing your credit limit under the provisions in this Section (either at our discretion 
or upon request): (a) you authorize us to review your credit history, including consumer credit reports; (b) you authorize us to have this review made 
by third parties to determine whether you meet the criteria we have set for such an increase; and (c) this process shall not  be pre-screening under 
the Fair Credit Reporting Act or other applicable laws or regulations based on our existing relationship and this Agreement. 

4.  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 20 below also applies to your Account. 

5.  FINANCE CHARGES – New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a 
zero  or  credit  balance  at  the  beginning  of  that  billing  cycle  or  you  paid  the  entire  New  Balance  on  the  previous  cycle’s  billing  statement  by  the 
Payment  Due  Date  of  that  statement;  otherwise  a  finance  charge  will  accrue  from  the  date  a  purchase  is  posted  to  your  account.  To  avoid  an 
additional finance charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of 
that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance. 

The  finance  charge  is  calculated separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is  computed  by  applying  the 
monthly periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding 
balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. 
Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This 
gives us the average daily balance of purchases. 

For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash  advances. To get 
the  average  daily  balance  of  cash  advances,  we  take  the  beginning  outstanding  balance  of  cash  advances  each  day,  add  in  any  new  cash 
advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. 
Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. 
This gives us the average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 

The ANNUAL PERCENTAGE RATE for your Card will be disclosed and is based on certain credit-worthiness criteria. 

The monthly initial Periodic Rate that will apply to your VISA Card is __________% which is an ANNUAL PERCENTAGE RATE of __________%. 

         Your card has a variable rate, the ANNUAL PERCENTAGE RATE is subject to change on the statement cycle date on the 1st business day of the 
prior calendar month to reflect any change in the Index and will be determined by the Prime Rate as published in  The Wall Street Journal “Money 
Rates”  table  monthly. We  will  add  a  margin  of  ________%  to  the  index  value  to  determine  the  Annual  Percentage  Rate.  Any  increase  in  the 
annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer 
available, the credit union will choose a new index which is based upon comparable information. 

6.  PROMOTIONAL  RATE  FINANCE  CHARGES  –  From  time  to  time  and  in  our  sole  discretion,  we  may  offer  a  special  rate  applicable  to  certain 
transactions  such  as  particular  purchases  (as  defined  by  us),  balance  transfers,  or  cash  advances.   Applicable  terms  and  conditions  will  be 
disclosed at the time any such promotion is offered, and are incorporated into this Agreement by reference.  The promotional rate will apply only to 
the transactions and for the period of time set forth in any such offer from us.  Existing balances and new purchases or advances not expressly 
subject to any such promotion will remain governed by the terms and conditions of this Agreement.  In addition, the terms and conditions of this 
Agreement will govern your obligations regarding any unpaid balance or transactions that are made subject to any such promotional offer, that are 
not fully paid within the time period set forth in such promotional offer. 

7.  OTHER CHARGES – The following other charges (fees) will be added to your Account, as applicable: 

a.  Late Payment Fee. If your payment is not received by the end of the business day on the date payment is due, you will be charged a late fee 

as shown below: 

                $25.00 if the minimum payment due is $25.00 or greater 

                $20.00 if the minimum payment due is $20.00 to $24.00 

                $.0 if the minimum payment due is less than $20.00 

ConmarSystems, Peachtree City, GA 30269 – EFORM 16442-1 Rev. 1/16 Visa Plat / Preferred Rate                                                                                                                                               Page 2 of 5 

 
 
 
 
 
b.  Return Check Fee. If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee of $10.00 

for each item returned. 

c.  Card Replacement Fee. You will be charged $6.00 for each replacement card you request. 

d.  Document Copy Fee. You will be  charged $2.00 for each copy of a sales draft or statement that you request (except  when the request is 

made in connection with a billing error made by the credit union). 

e.  Collection Costs. You promise to pay all costs of collecting the amount you owe under this Agreement including court costs and reasonable 

attorney fees. 

f.  Returned Convenience Check. You will be charged $32.00 if you present a convenience check with no sufficient credit limit available. 

8.  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 2% of your Total New Balance (rounded to the nearest whole 
dollar), or $20.00, 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. If the New Balance shown on your periodic statement is less than $20.00, you agree to pay this amount. The Credit Union also has 
the right to demand immediate payment of any amount by which you are over your credit limit. 

To protect you and us, the Credit Union, in its sole discretion, may place a temporary freeze on all or part of the credit available to you for new 
purchases or cash advances under this agreement any time the Credit Union receives a large payment ($1,000.00 or more), by a method other 
than cash, certified funds or electronic transfer.  In such cases, the Credit Union may freeze your credit line until payment is actually collected by 
us. 

9.     PAYMENT ALLOCATION – Payments when paid during the billing cycle will be applied to amounts outstanding at the time payment is  received in 
the following order: Unpaid interest, other charges, previous cash advances, balance transfers and current cash advances, previous purchases and 
then  to  current  purchases.  Payment  amounts  in  excess  of  your  minimum  payment  will  be  applied  first  to  balances  with  the  highest  Annual 
Percentage Rate until that balance is paid off and then to balances with the next highest Annual Percentage Rate until those balances are paid off. 

10.  SECURITY INTEREST – By signing an application, acceptance, or authorized use of any credit cards, you grant and pledge a consensual lien to 
us  on  all  shares  to  secure  payment  of  your  obligations  on  his  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. 

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 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  and/or suspend your available 
credit  limit  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. 

We shall also have the right to close your account and terminate access privileges where your account is inactive for such periods of time as we 
may from time-to-time determine to be appropriate for protecting both our and your interests. 

12.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION – You agree to notify us immediately, orally or in writing at P.O. 
Box 10233, Rock Hill, SC 29731 or telephone (803) 367-4100 Monday through Friday 8:30 A.M. to 5:00 P.M. or (800) 682-6075 after hours and 
weekends, 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  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible  unauthorized  use.  You  will  have  no  liability  for 
unauthorized  purchases  made  with  your  credit  card,  unless  you  are  grossly  negligent  in  the  handling  of  your  card  or  you  have  committed, 
participated in, or conspired to commit any fraudulent act or scheme involving the use of the Visa credit card account. In any case, your liability will 
not exceed $50. 

The Credit Union may require you to provide us certain information in writing to help us investigate any unauthorized use.  Further, you agree to 
cooperate and assist us or any government or law enforcement agent or agency in investigating, collecting or pursuing any other rights (civil and 
criminal) relating to any unauthorized use.  In this regard, you agree to file an appropriate police report when asked to do so. 

13.  CHANGING OR TERMINATING YOUR ACCOUNT – The Credit Union may change the terms of this 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 you owe under this Agreement. You are also responsible for all transactions made to 
your Account after termination, unless the transactions were authorized. 

The Card or 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. 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 
20 of this Agreement also applies to termination of the Account. 

ConmarSystems, Peachtree City, GA 30269 – EFORM 16442-1 Rev. 1/16 Visa Plat / Preferred Rate                                                                                                                                               Page 3 of 5 

 
 
 
 
 
 
 
 
 
 
 
 
 
Any individual cardholder without the consent of other cardholders may close your Account at any time by notifying us in writing as indicated in this 
Agreement. 

14.  CREDIT  REVIEW  AND  RELEASE  OF  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  personal  information  about  you  and  your  account  that  is  necessary  to  provide  you  with  the  requested 
service(s). 

Access to Account Information: You agree that all borrowers and authorized users will have access to information regarding transactions on your 
account, including but not limited to purchases and cash advances, account balances, account history, payments and other information relating to 
or arising with regard to this account or any transaction. 

15.  SKIP PAYMENTS  – From time to time, the Credit Union may offer a “skip payment” option for your credit card.  You understand that the Credit 
Union is not obligated to offer such service.  You further understand that (1) interest will continue to accrue on your outstanding balance at the rate 
provided in your original account agreement during this time; (2) deferring your payment will result in your having to pay more interest than if you 
made your payments as originally scheduled; and (3) you will be required to resume your regular monthly payments in the following month.  Your 
account must be in good standing or meet other conditions or criteria to be eligible for this offer. 

16.  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 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. 

17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  –  The  Credit  Union  may  from  time  to  time  offer  additional  services  to  your  Account  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. If 
these benefits are withdrawn prior to any use by you, the Credit Union will have no obligation to provide the benefit or enhancement, or any other 
compensation or consideration. 

18.  CURRENCY  CONVERSION  AND  INTERNATIONAL  TRANSACTIONS –  When  you  use  your  Visa  Card  at  a  merchant  that  settles  in  currency 
other  than  US  dollars,  the  charge  will  be  converted  into  the  US  dollar  amount.  The  currency  conversion  rate  used  to  determine  the  transaction 
amount in US dollars is either 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa 
USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If 
there  is  a  currency  conversion,  the  International  Service  Assessment  is  1%  of  the  transaction.  As  a  result,  we  charge  you  a  1%  international 
transaction fee on all international transactions regardless of whether there is a currency conversion. An international transaction is a transaction 
where the country of the merchant is outside the USA. 

19.  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 able 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. 

20.  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. 

21.   CHANGING THIS AGREEMENT – The Credit Union may change the terms of this Agreement, including the Annual Percentage Rate, at any time.  
Except  where  limited  by  applicable  law,  the  new  terms,  including,  but  not  limited  to,  increasing  the  finance  charge  or  the  way  the  Credit  Union 
calculates finance charges, late charges, and the minimum payment due, will apply both to new purchases and cash advances and to the existing 
outstanding  balance  of  your  account  as  of  the  day  of  the  change.   In  accordance  with  applicable  law,  the  Credit  Union  will  notify  you  of  any 
increased charge or change by writing to you at the most recent address shown for you on the Credit Union's records. 

22.  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. 

23.  NO WAIVER – The Credit Union can delay enforcing any of its rights any number of times without losing them. 

24.  STATEMENTS AND NOTICES – We will send you a monthly billing statement whenever there is activity on your account. 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. If 
you have elected electronic delivery, statements and/or notices will be (1) emailed to you as an attachment; or (2) you will be sent an email that will 
direct  you  to  a  site  we  maintain  or  caused  to  be  maintained  where  you  may  access,  review,  print  and  otherwise  copy/download  your 
statement/notices using procedure we authorize. Emails from us will be sent to the email address provided by the account holder. 

25.  FINAL EXPRESSION – This Agreement is the final expression of the terms and conditions of this VISA line of credit between you and the Credit 

Union. This written Agreement may not be contradicted by evidence of any alleged oral agreement. 

26.  COPY RECEIVED – You acknowledge that you have received a copy of this Agreement. 

ConmarSystems, Peachtree City, GA 30269 – EFORM 16442-1 Rev. 1/16 Visa Plat / Preferred Rate                                                                                                                                               Page 4 of 5 

 
 
 
 
 
 
 
Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 

Family Trust Federal Credit Union 
PO Box 10233  
Rock Hill SC 29731 

You may also contact us on the Web: www.familytrust.org 

In your letter, give us the following information: 

  Account information: Your name and account number. 
  Dollar amount: The dollar amount of the suspected error. 
  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

  Within 60 days after the error appeared on your statement. 
  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in  writing [or electronically]. You may call us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was correct. 

While we investigate whether or not there has been an error: 

  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 

 
 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your bill. 

We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the  matter has been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  purchase  was  based  on  an  advertisement  we  mailed  to  you,  or  if  we  own  the 
company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at: 

Family Trust Federal Credit Union 
PO Box 10233  
Rock Hill SC 29731 
       www.familytrust.org 

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. 

ConmarSystems, Peachtree City, GA 30269 – EFORM 16442-1 Rev. 1/16 Visa Plat / Preferred Rate                                                                                                                                               Page 5 of 5