Georgia United Credit Union 
P.O. Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
gucu.org 

CREDIT CARD DISCLOSURE 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases 

VISA PLATINUM 
1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be 8.49% to 
22.99% based on your creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

APR for Balance Transfers* 

1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account 
opening. After that, your Standard APR will be 8.49% to 24.99% based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

10.49% to 24.99% based on your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Paying Interest 

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on purchases if you pay your entire new purchase balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers on the date the cash advance or balance 
transfer is posted to your account. 

Minimum Interest Charge 

None 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

FEES: 

Fees to Open or Maintain your 
Account: 
- 
- 

Annual Fee: 
Application Fee: 

Transaction Fees 

- 
- 
- 

Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees 

Late Payment: 
- 
-  Over-the-Credit Limit: 
Returned Payment: 
- 

None 
None 

None 
2% of each transaction that is greater than $2.00 
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars 
that is processed outside the United States. 

Up to $25.00 if your payment is late 10 days or more 
None 
Up to $25.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment. 

*Introductory Rate is available only for balance transfers made within 90 days of account opening. Introductory Rate does not apply to 
balances transferred from other Georgia United Credit Union credit cards or loans. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

Other Fees: In addition to the fees disclosed above, the following fees may be imposed: 
$10.00 
Card Replacement Fee: 
$25.00 
Skip-A-Pay Fee: 
$50.00 
Expedited Card Fee: 

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Georgia United Credit Union 
P.O. Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
gucu.org 

BORROWER 1 

BORROWER 2 

CREDIT CARD AGREEMENT 

ACCOUNT NUMBER 

DATE 

In this Agreement, “You” and “your” mean any person who accepts this Agreement or uses the Card. The “Card” means any credit card issued to you or 
those designated by you under the terms of this Agreement. “We”, “us”, “our” and the “Credit Union” means Georgia United Credit Union or its successors. 
By using your card, you agree to all of the terms and conditions set forth herein. 

THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A  CONDITION 
FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY 
INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE 
WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF 
CREDIT EXTENDED UNDER THIS AGREEMENT. YOU  ALSO  AGREE 
THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE 
AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE. 
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that would lose special tax treatment under state or federal law  
if given are not subject to this security interest. 
If  you  have  other  loans  with  us, collateral securing  such  loans  will  also 
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods. 

Using Your Card. You can purchase or lease goods and services from any 
merchant who honors your Card, and you may obtain cash advances from 
financial institutions and ATM machines that accept the Card, up to your 
maximum credit limit. You agree not to present your Card or obtain a cash 
advance for any extension of credit in excess of your available credit limit; 
however, if you do exceed your credit limit, you agree to make immediate 
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain 
purchases and cash advances require authorization prior to completion of 
the transaction. In some cases, you may be asked to provide identification. 
If our system is not working, we may not be able to authorize a transaction, 
even though you have sufficient credit available. Also, for security reasons, 
we may block the use of your Card in certain countries or geographic areas. 
We will have no liability to you or others if any of these events occur. 

Personal  Identification  Number  (PIN).  We  may  issue  a  Personal 
Identification Number (PIN) for use with your Card. This PIN is confidential 
and should not be disclosed to anyone. You may use your PIN and your 
Card to access your account, and all sums advanced will be added to  your 
account balance. In the event a use of your PIN constitutes an Electronic 
Funds Transfer, the terms and conditions of your Electronic Funds Transfer 
Agreement may affect your rights. 

Promise  To  Pay.  You  promise  to  pay  us  in  U.S.  dollars  for  (a)  all 
purchases, cash advances, and balance transfers made by you or anyone 
whom you authorize to use the Card; (b) all Interest Charges and all other 
charges  or  fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by 
applicable law, and any costs incurred in the recovery of the Card; and (d) 
credit in excess of your credit limit that we may extend to you. 

Illegal  Transactions:  You  agree that  your  Card  and  account  will  not  be 
used  to  make  or  facilitate  any  illegal  transactions  as  determined  by 
applicable  law;  and  that  any  such  use  will  constitute  an  event  of  default 
under this Agreement. We may decline any transaction that we believe to 
be illegal under applicable law, including but not limited to any transaction 
involving or relating to any gambling activity. You agree that we will have 
no  liability  or  responsibility  for  any  such  use  by  you  or  any  authorized 
user(s);  or  for  declining  any  such  transaction.  You  further  agree    to 

indemnify  and  hold  us  harmless  from  any  suits,  liability,  damages  or 
adverse action of any kind that results directly or indirectly from such illegal 
use. You promise to pay us any and all amounts owing on your Card for 
any transactions made by you, even if the transaction is determined to be 
illegal. 

Joint Accounts. Each of you will be responsible, jointly and severally, for 
the repayment of amounts owed, regardless of who initiated any transaction 
under the account. 

Others Using Your Account. If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for all purchases and advances made by anyone you authorize to use your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
someone else is authorized to use your account and you want to end that 
person's privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective. 

Ownership of Card. Your Card remains our property and may be cancelled 
by us at any time without notice. You agree to surrender your Card and to 
discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you 
at the time you open your account and as may be changed from time to time 
in  accordance  with  applicable  law.  Average  Daily  Balance  including  new 
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid 
interest charges, and unpaid late charges. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and divide that by 
the number of days in the billing cycle. We then multiply that by the periodic 
rate corresponding to the Annual Percentage Rate on your account. If you 
have  different  rates  for  purchases,  cash  advances  or  balance  transfers, 
separate  average  daily  balances  for  each  will  be  calculated  and  the 
appropriate periodic rate is then applied to each. 

Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases by paying the full amount of the new balance for purchases each 
month by the date on which the payment is due. Otherwise, the new balance 
of your account, and subsequent advances from the date they are posted to 
the account, will be subject to an Interest Charge. You cannot avoid Interest 
Charges on cash advances and balance transfers; even if you pay the entire 
cash advance balance or balance transfer balance by the payment due date, 
you will incur the Interest Charges accrued from the date the cash advance or 
balance transfer is posted to your account. 

Fees. In addition to the Interest Charges set forth above, you agree to also 
pay any and all fees that you incur as disclosed to you on your Truth- in-
Lending Statement or similar disclosures (as may be amended from time to 
time), or as disclosed to you during the term of your Card. 

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You 
agree  to  notify  us  immediately  if your  Card  is  ever  lost  or stolen  or  if  an 
unauthorized use may have occurred. "Unauthorized use" means the use 
of the Card by someone other than you who does not have actual, implied 
or apparent authority for such use, and from which you receive no benefit. 

9011 WORD FI17901 Rev 10-2015 

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COPYRIGHT 2009 Securian Financial Group, Inc. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The telephone number to call is 1-866-677-7156. You agree to follow up 
your call with notice in writing to us at: P.O. Box 100070, Duluth, GA 30096-
9370. You also agree to assist us in determining the facts, circumstances 
and  other  pertinent  information  relating  to  any  loss,  theft  or  possible 
unauthorized  use  of  your  Card  and  comply  with  such  procedures  as  we 
may require in connection with our investigation. You will be liable for any 
unauthorized use only if we can prove that you were grossly negligent in 
your use or handling of your Card, or if we can prove that you used your 
Card fraudulently. 

Minimum Payment  Due;  Crediting of Payments.  Payments  are due  in 
the  amount  and  on  the  date  disclosed  on  your  billing  statement.  If  your 
payment  is  received  by  us  on  a  business  day  at the  address  and  by  the 
time designated on the billing statement, it will be credited to your account 
on the date of receipt. If payment is made at any location other than the 
address designated on the periodic statement, credit for such payment may 
be delayed up to five (5) days. Payments will be applied in any order we 
determine, subject to applicable law. 

Default; Acceleration; Credit Suspension; Collection Costs. You will be 
in default if: (1) you fail to make any payment on time; (2) if you fail to keep 
any  promises  you  have  made  under  this  Agreement  or  under  other 
Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in 
bankruptcy or have a bankruptcy petition filed against you, or if you become 
involved in any insolvency, receivership or custodial  proceeding; 
(5)  if anyone attempts to take any of your funds held by us via legal process 
or if you have a judgment or tax lien filed against you; (6) if you make any 
false,  inaccurate,  or  misleading  statements  in  any  credit  application  or 
credit update; or (7) if we, in good faith, believe that your ability to repay 
what you owe is or soon will be impaired, or that you are unwilling to make 
your payments. 
If you are in default, we have the right to demand immediate payment of 
your full account balance without giving you notice. If immediate payment 
is demanded, you agree to continue paying interest charges and fees until 
what you owe has been paid, and any shares that were given as security 
for your account may be applied towards what you owe. You agree to pay 
all reasonable costs of collection, including court costs and attorney's fees, 
and any costs incurred in the recovery of the Card, subject to applicable 
law. Even if your unpaid balance is less than your credit limit, you will have 
no  credit  available  during  any  time  that  any  aspect  of  your  account  is in 
default. 

Additional Benefits/Card Enhancements. We may from time to time offer 
additional  services  to  your  Account  at  no  additional  cost  to  you.  You 
understand  that  we  are  not  obligated  to  offer  such  services  and  may 
withdraw or change them at any time. 

Convenience  Checks.  We  may,  at  our  discretion,  issue  checks  to  you 
which may be used for any purpose other than making a payment for credit 
to your account. By signing such check, you authorize us to pay the item 
for the amount indicated and post such amount as a cash advance to your 
account.  We  do  not  have  to  pay  any  item  which  would  cause  the 
outstanding balance in your account to exceed your credit limit. 

Credit  Information.  We  may  from  time  to  time  request  personal 
information  from  you  or  obtain  credit  reports  from  the  credit  reporting 
agencies  for  the  purpose  of  updating  your  credit  status.  Your  failure  to 
provide such information when requested by us may result in suspension 
of credit privileges under this Agreement, including your ability to obtain any 
future advances by any means. You authorize us to investigate your credit 
standing  when  opening  or  reviewing  your  account.  You  authorize  us  to 
disclose information regarding your account to credit bureau and creditors 
who inquire about your credit standing. 

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range of rates available in wholesale currency markets for the applicable central 
processing date,  which  rate  may  vary  from  the  rate  the card company itself 
receives, or the government-mandated rate in effect for the applicable central 
processing  date  in  each  instance.  All  transactions  processed  outside  of  the 
United States (which may include internet transactions) will be charged   a 

foreign  transaction fee  in the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time). 

Termination; Change-in-Terms. We may, by written notice, terminate this 
Agreement  at  any  time,  subject  to  applicable  law.  You may  terminate this 
Agreement by written notice. Termination by either party shall not affect your 
obligation to repay any balance on your account resulting from use of the 
Card  as  well  as  Interest Charges and  fees incurred. We  may  change  the 
terms of this Agreement, including the method of calculating the periodic rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement. 

Late or Partial Payments. Any payment that delays the reduction of your 
balance  will  increase  your  total  interest  costs.  Partial  payments  or 
prepayments will not delay your next scheduled payment - you will still need 
to make the minimum scheduled payment by the next scheduled  due date 
to  keep  your  account  current.  We  may  accept  late  payments,  partial 
payments,  checks  or  money  orders  marked  "payment  in  full"  and  such 
action shall not constitute final settlement of your account  or  a waiver or 
forgiveness of any amounts owing under this Agreement. 

Enforcement.  We  do  not  lose  our  rights  under  this  or  any  related 
agreement if we delay enforcing them. If any provision of this or any related 
agreement is determined to be unenforceable or invalid, all other provisions 
remain in full force and effect. 

Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card 
may give credit for returns or adjustments, and they will do so by submitting 
a  credit  slip  which  will  be  posted  to  your  account.  If  your  credits  and 
payments  exceed  what  you  owe  us,  the  amount  will  be  applied  against 
future purchases and cash advances. If the credit balance amount is $1 or 
more, it will be refunded upon your written or verbal request. 

Plan  Merchant  Disputes. We  are  not  responsible  for  the  refusal  of  any 
plan merchant or financial institution to honor your Card. Also, we are not 
responsible for goods or services that you purchase with the Card unless: 
(a) your purchase was made in response to an advertisement we sent or 
participated in sending you; or (b) your purchase cost more than $50 and 
was made from a plan merchant in your state or within 100 miles of your 
home;  and  only  if  you  have  made  a  good  faith  attempt,  but  have  been 
unable to obtain satisfaction from the plan merchant. You must resolve all 
other  disputes  directly  with  the  plan  merchant.  We  do  not  warrant  any 
merchandise or services purchased by you with the Card. 

Statements and Notices. Statements and notices will be mailed to you at 
the most recent postal address or e-mail address (if you have elected to 
receive such documents via electronic means) you have given us. Notice 
sent to any one of you will be considered notice to all. 

Notification of Address Change. You will notify us promptly if you change 
your address for any reason. In order to prevent identity theft,  your identity 
may need to be verified before we act upon the notification. 

Copy Received. You acknowledge that you have received a copy of this 
Agreement. 

Governing Law. This Agreement shall be construed under federal law and 
state law in the state in which we are primarily located, and the venue shall 
be  located  in  the  county  and  state  in  which  we  are  primarily  located. 
Operating  regulations  of  Visa  may  also  apply.  This  Agreement  is  the 
contract  that  applies  to  all  transactions  even  though  the  sales,  cash 
advance, convenience check, credit or other slips you sign or receive may 
contain different terms. 

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a  final 
expression of the agreement between you and the Credit Union. This written 
agreement may not be contradicted by evidence of any oral agreement. 

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BORROWER NAME 

ACCOUNT NUMBER 

BILLING RIGHTS NOTICE 

Your Billing Rights: Keep this Document for Future Use 

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the 
address(es) listed on your statement. 

In your letter, give us the following information: 

1. Your name and account number. 

2. The dollar amount of the suspected error. 

3. If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, 

if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but 
if you do, we are not required to investigate any potential errors and you 
may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we 
received your letter. We will also tell you if we have already corrected 
the error. 

2. Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount. 

•  The charge in question may remain on your statement, and we may 

continue to charge you interest on that amount. 

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment 
is due. We may then report you as delinquent if you do not pay the 
amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you  are 
questioning your bill. We must tell you the name of anyone to whom we 
reported  you  as  delinquent,  and  we  must  let  those  organizations  know 
when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the   first 
$50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit  Card Purchases 

If you are dissatisfied with the goods or services that you have  purchased 
with  your  credit  card,  and  you  have  tried  in  good  faith  to  correct  the 
problem  with  the  merchant,  you  may  have  the  right  not  to  pay  the 
remaining  amount  due  on  the  purchase.  To  use  this  right,  all  of  the 
following must be true: 

1. The purchase must have been made in your home state or within 100 
miles of your current mailing address, and the purchase price must 
have been more than $50. (Note: Neither of these are necessary if 
your purchase was based on an advertisement we mailed to you, or 
if we own the company that sold you the goods or services.) 

2. You must  have  used  your  credit card  for  the  purchase.  Purchases 
made with cash advances from an ATM or with a check that accesses 
your credit card account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at the address(es) listed on your statement. 

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, 
we may report you as delinquent. 

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