JEANNE D’ARC CREDIT UNION 
VISA® CARDHOLDER AGREEMENT & INITIAL DISCLOSURE 
Effective December 1, 2010 

This VISA® Cardholder Agreement & Initial Disclosure (the “Agreement”) covers your credit Card Account 
(“Account”) with us, Jeanne D'Arc Credit Union (the “issuer”, “we” or “us”).  Each person (or, if you have 
a business account, each business entity) ("Account Holder", "you" or “your”) who applied for the VISA® 
credit Card (the “Card”) issued by us and each Cardholder, by using the Card, acknowledges receipt from 
us of the Agreement and agrees with the issuer that the following terms contained herein apply to you 
and your use of the Card: 

1.  Your  Account.  If  your  Account  is  a  joint  Account,  each  Account  Holder  has  the  right  to  use  the 
Account up to your credit limit as described in section #4 of this Agreement.  Each Account Holder is 
bound by these terms and each, individually, will be liable for all charges, even if only one of you uses 
the  Account.    For  joint  Accounts,  each  individual  separately,  and  both  individuals  together,  are 
referred to in this Agreement as ("you"). 

If your Account is a business account, each Cardholder (as described in section #2 of this Agreement) 
has the right to use the Account up to your credit limit (as described in section #4 of this Agreement) 
divided  by  the  total  number  of  Cards  that  we  issue  to  you.  The  Account  Holder  is  bound  by  these 
terms and will be liable for all charges regardless of who uses the Cards that we issue to you.  You 
agree that all purchases, cash advances, and any other use of your Account will only be for business 
purposes, and that you will not use your Account for any personal, household or family purpose. 

2.  Additional Cardholders or Others Using Your Account.  You may authorize others to use your Account.  
You may add up to 3 (three) additional Cards to your Account at no extra charge, or if your Account is 
a  business  account,  you  may  add  up  to  10  (ten)  additional  Cards.    If  you  request  additional  Cards, 
each additional cardholder will receive a Card with his or her individual name embossed.  You promise 
to pay for all Credit Purchases, Cash Advances and Balance Transfers made by anyone you authorize 
to use your Account, with or without a Card, and whether or not you notify us that he or she will be 
using  it.    If  you  authorize  another  person  to  use  your  Account  and  you  want  to  end  that  person's 
privilege; you must recover and return that person's Card.  If you are unable to recover and return the 
Card,  you  will  continue  to be  liable  for any  charges made  unless you  tell  us  to  cancel  all  Cards  and 
establish a new Account for you, which will be done automatically if you notify us of unauthorized use 
as  described  in  section  #24  of  this  Agreement.    We  may  request  written  verification  from  you 
regarding any change or cancellation to your Account. 

3.  Credit  Card  Account  Services.  The  following  services  are  available  through  your  Account,  up  to  the 
amount of your credit limit.  These services are not available if your Account is delinquent, closed or 
the amount of the advance would cause your balance to exceed your credit limit. 
•  Credit  Purchases.  You  can  use  your  Account  to  purchase  goods  and  services  (referred  to  in  this 

Agreement as "Credit Purchases") wherever VISA® credit cards are accepted. 

•  Cash  Advances.  You  can  obtain  a  Cash  Advance  up  to  $3,000.00  per  day  from  your  Account  by 
presenting  your  Card  at  a  financial  institution  that  accepts  VISA®;  and  you  may  obtain  a  Cash 
Advance  up  to  the  amount  of  your  available  credit  limit  by  presenting  your  Card  at  any  Jeanne 
D’Arc Credit Union Branch Location.  You can also use your Card to obtain up to $300.00 per day 
in cash from any authorized Automated Teller Machine ("ATM").    

•  Balance Transfers.  You  can  use  your  Account  to  transfer  balances  from other credit  Accounts of 
yours  to  your  Account  at  Jeanne  D’Arc  Credit  Union.    If  transfer  information  you  provide  is 
incomplete  or  incorrect  we  will  not  be  able  to  process  the  transfer  request.    We  are  not 
responsible  for  any  remaining  balance  on  your  credit  Card  accounts  at  other  institutions;  for 
closing your account(s); or for any finance or other charges you incur due to delays in transferring 
a  balance.    We  recommend  that  you  continue to  pay  your  minimum  payment  due  until  you  are 
sure the balance transfer(s) has posted to your account(s) at the other institution(s). 

 
 
 
 
 
 
4.  Your  Line  of Credit. We will  establish  a line  of  credit for  you  and notify  you  of  its amount when we 
issue your Card.  Your credit limit is shown on each of your billing statements. You agree not to let 
the  Account  balance  exceed  this  approved  credit  limit.  Each  payment  you  make  on  the  Account  will 
restore your credit limit by the amount of the payment which is applied to principal. You may request 
an increase in your credit limit only by application to us, which must be approved by us.  Without prior 
notice to you, we may raise your credit limit. By giving you written notice we may, with good cause, 
reduce your credit limit.  

If you exceed your credit limit, we may at our option, close your Account, and/or exercise any of our 
other remedies under this Agreement or applicable law.  You must pay the full amount by which your 
balance  exceeds  the  credit  limit.    The  fact  that  we  do  not  ask  you  for  that  amount  as  part  of  the 
Minimum Periodic Payment shown on your billing statement does not relieve you of your obligation to 
pay it immediately.  We shall have no obligation to permit any new Credit Purchases, Cash Advances, 
or Balance Transfers if our records show that doing so will cause your balance to go over your limit.  
If we do permit any such Credit Purchases, Cash Advances, or Balance Transfers, such permission will 
not result in any waiver of our rights under this section.   

5.  Annual Percentage Rate (APR).  The Annual Percentage Rate (“APR”) for your Account is the annual 
interest rate and is used to calculate the Interest Charged to your Account.  The APR was determined 
based on your personal credit score at the time of your application.   The APR does not include any 
other Finance Charges, other than interest, which also may be charged to your account, as described 
in section #7 of this Agreement.    

    We will review your Account on an annual basis and adjust your APR based on your personal credit 
score and in the course of doing so, we may ask you for additional information, request credit bureau 
reports and/or otherwise verify your current credit standing.   If we decide to change your APR we will 
provide you with a 45-day notice.  

6.  Paying  Interest.      Your  Account  will  be  subject  to  the  Annual  Percentage  Rate  and  corresponding 

Periodic Rate applicable to your Jeanne D'Arc Credit Union Card program.   

You  can  avoid  incurring  Interest  Charges  on  the  balance  of  purchases  reflected  on  your  monthly 
statement and on any new purchases appearing on your next monthly statement by paying the New 
Balance shown on your monthly statement on or before the Payment Due Date.  Otherwise, the new 
balance of purchases, and subsequent purchases from the date they are posted to your Account, will 
be subject to Interest Charges.  Cash advances and Balance Transfers are always subject to Interest 
Charges from the date they are posted to your Account.   

The  actual  Interest  Charged  will  be  shown  on  your  monthly  statement.    The  Interest  Charges  for  a 
billing  cycle  are  computed  by  applying  the  monthly  Periodic  Rate  to  the  “average  daily  balance”  of 
purchases and cash advances (which includes balance transfers).  To get the average daily balance, 
we  take  the  beginning  balance  of  your  account  each  day,  add  new  purchases,  cash  advances  and 
debit  adjustments,  and  subtract  any  payments,  credits,  non-accruing  fees,  and  unpaid  finance 
charges.  This gives us the daily balance.  Then we add up all of the daily balances for the billing cycle 
and divide the total by the number of days in the billing cycle to determine your Interest Charge.  If 
you are charged interest, the charge will be no less than $.50.  

7.  Transaction  Fees.      Transaction  fees  are  one-time  fees  that  are  considered  Finance  Charges.  If  you 
incur such fees your actual APR will exceed the corresponding APR shown on your statement in any 
month for which they are posted to your Account. We will assess the following transaction fees to your 
account:   
•  Cash Advance Fee.  Each time a new Cash Advance is posted to your Account you will be charged 
2.00% of the amount of the advance, but in no event less than $5.00, or greater than $50.00. 

•  Balance Transfer Fee.  We currently do not assess a balance transfer fee. 

 
 
 
 
 
 
 
• 

International Transaction Fee.  An international transaction is a transaction where the country of 
the  merchant  is  outside  the  USA.    When  you  use  your  Jeanne  D'  Arc  Credit  Union  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  0.80%  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  1.00%  of  the 
transaction.  In  either  case,  we  pass  this  assessment  on  to  you  as  an  International  Transaction 
Fee.  

8.  Annual Fee. We currently do not assess an annual fee. 

9.  Maintenance Fees. We currently do not assess maintenance fees. 

10.  Penalty Fees. Your Account will be assessed these penalty fees: 

• 

Late Payment Fee – If we do not receive at least your minimum payment within 15 days after the 
due  date,  you  will  be  assessed  a  Late  Fee  for  the  lesser  of  10%  of  the  New  Balance  or  $10.00 
($27 for Business Accounts). 

•  Returned Payment Fee – If your payment is returned to us for any reason you will be charged our 

Returned Payment Fee of $25.00 ($27.00 for Business Accounts). 

11.  Other Fees. Your Account may be assessed these other fees: 

•  Replacement Card Fee – If you request a replacement Card we may charge you our replacement 

Card fee of $10.00; or $20.00 for a rush order. 

•  Account  Research  Fee  –  If  you  request  statements  or  other  documentation  we  may  charge  you 

our Research Fee of $35.00 per hour. 

•  Telephone Payment Processing Fee.  If you call us and authorize us to make a payment to your 

account from another financial institution you may be charged a processing fee of $10.00. 

12.  Responsibility.    You  agree  to  pay  us,  when  due,  the  total  of  all  Credit  Purchases,  Cash  Advances, 
Balance Transfers, Interest Charges, fees and collections costs arising  from the use of your Account 
by  you  or  any  other  person  you  permit  to  use  your  Account  even  if  that  person  exceeds  their 
permission.    Your  obligation  to  pay  the  Account  Balance  continues  even  though  an  agreement, 
divorce  decree  or  other  court  judgment  to  which  we  are  not  a  party  may  direct  you  or  one  of  the 
other persons responsible to pay the Account.  Any person using the Card is jointly responsible with 
you for charges he or she makes, but if that person signs the Card he or she becomes a party to this 
Agreement and is also jointly responsible for the entire Account Balance. 

13.  Payments.  Every month you must pay at least the minimum payment by the Payment Due Date.  The 
Minimum  Payment  Due  will  be  either  2%  of  your  New  Balance,  or  $10.00,  whichever  is  greater,  or 
your total New Balance, if it is less than $10.00.  In addition at anytime if your New Balance exceeds 
your credit limit, you must immediately pay the excess upon our demand.  

Payments  may  be  made  by  mail,  at  a  Jeanne  D’Arc  Credit  Union  banking  office,  through  our  online 
banking  and  other  services  available  at  JDCU.com.  To  mail  payments  they  must  be  sent  to  the 
address listed on the front of the billing statement after the phrase "make check payable to."  Mailed 
payments  will  be  given  “same-day”  credit  if  received  on  a  due  date  that  is  a  business  day  by  5:00 
p.m.  Mailed payments received on the day following a weekend or holiday payment due date will be 
“back-dated” to that due date. 

 
 
 
 
 
 
 
 
 
 
 
 
 
By separate agreement you may authorize us to charge the minimum payment automatically to your 
share  or  share  draft  Account  with  us.  You  may  of  course,  pay  more  frequently,  pay  more than the 
minimum payment, or pay the total new balance in full, and you will reduce the Interest Charge by 
doing  so.  We  may  accept  checks  marked  “payment  in  full”  or  with  words  of  similar  effect  without 
losing any of our rights to collect the full balance of your Account with us.  Posting of your payment 
will be delayed if your payment check is drawn on a non- United States domiciled financial institution 
or entity.  Payment will not be credited to your Account until the funds have been collected in United 
States dollars. 

Payments made to your Account will be applied in the following order: 

•  Previously billed and unpaid Finance Charges 
•  Miscellaneous fees (including late charges) 
•  Purchase Balance as of last statement 
•  Cash Advance balance as of last statement 
•  Purchases this billing cycle 
•  Cash Advances this billing cycle 

However, payments in excess of the Minimum Payment Due, will be applied to outstanding balances 
with the highest APR first and any related Interest Charge, and then applied to lower APR balances on 
a sequentially lower basis. 

14.  Statements and Notices.  We will have a statement delivered to your mailing address every month, at 
least 21 days prior to the Payment Due Date.  The statement will show your Previous Balance; current 
Purchase and Cash Advance transactions on your Account; Other Credits and Debits; your Credit Limit 
and  Available  Credit  Limit;  Balances  of  Purchases  and  Cash  Advances;  New  Balance;  Purchase  and 
Cash  Advance  APR’s  and  Periodic  Rates;  Interest  and  Fees  Charged  year-to-date;  Fees  and  Interest 
Charged for the period; Estimated Total Costs; Payment Due Date; and Minimum Payment Due.  The 
statement  will  also  include  a  disclosure  showing  you how  long  it  will  take  to  pay  off  your  balance  if 
only  minimum  payments  are  made  and  what  monthly  payment  would  be  necessary  to  pay  off  your 
balance in three years. 

Statements  and  notices  will  be  mailed  to  you  at  the  most  recent  address  you  have  given  the  Credit 
Union.    Notices  sent  to  any  one  of  you  will  be  considered  notice  to  all.    To  inquire  or  send 
correspondence write us at the address indicated on the front of the billing statement after the phrase 
"send inquiries to”. 

15.  Payoff Your Balance.  You may obtain your payoff balance by calling (800) 299-9842. 

16.  Penalty APR.  We currently do not assess a penalty APR.  

17.  Default.  If you fail to pay at least the Minimum Payment Due by the Payment Due Date your payment 
will be considered late and you may be considered in default.  If at any time we consider your Account 
in  default,  you  understand  we  may  demand  full  payment  and  return  of  your  cards  and  the  Interest 
Charges will continue to be calculated at the Penalty APR until you repay your entire loan.  You also 
agree to pay any fees, collection costs, reasonable attorney fees, and court costs as applicable. 

We may, without notifying you, temporarily suspend your credit, close your Account, cancel all credit 
cards  issued  on  it  and  require  immediate  payment  of  your  entire  balance  if  any  of  the  following 
occurs: 

a.  You fail to make a payment when it is due; 
b.  You do not follow the terms of this Agreement in any way; 
c.  You have made any false or misleading statement on the application for your Account; 
d.  You fail to pay any other loans you owe us; 
e.  You become insolvent or die; 

 
 
  
 
 
 
 
 
f.  There is an attachment, execution or levy against your property or you make an assignment 

for the benefit of creditors; 

g.  A bankruptcy petition is filed by or against you or your spouse; 
h.  A guardian, conservator, receiver, custodian or trustee is appointed for you; 
i.  You are generally not paying your debts as they become due; or 
j.  There has been a material adverse change in your financial standing. 

18.  Illegal Use and Internet Gambling.  You agree not to use your Card(s) for unlawful Internet gambling 
or other illegal purpose(s).  Display of a payment Card logo by, for example, an online merchant does 
not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be 
located. 

19.  Returns and Adjustments.  Merchants and others who honor this Card may give credit for returns or 
adjustments, and they will do so by sending us a credit which we will post to your Account.  If your 
credits  and  payments  exceed  what  you  owe  us,  we  will  hold  and  apply  this  credit  balance  against 
future  purchases  and  cash  advances,  or  if  it  is  $1.00  or  more,  refund  it  on  your  written  request or 
automatically within six months. 

20.  Honoring  Card.  We  are  not  responsible  for  the  refusal  of  any  merchant  or  financial  institution  to 

honor your Card.  

21.  Security Interest.  If you give or have given us a specific pledge of your Credit Union shares, or any 
security interests for all of your debts, your account will be secured by your pledged shares and the 
property  described  in  those  other  security  agreements,  except  for  property  consisting  of  your 
principal residence and household goods.        

22.  Credit Information. You authorize us to investigate your credit standing when opening, renewing or 
reviewing your Account and you authorize us to release information to others who inquire of us about 
your credit standing, to the extent allowed by law.  

23.  Change in Terms.  We can change any terms of your Account at any time.  We will provide you with 
a  45-day  notice  for  all  significant  changes  to  terms  in  this  Agreement,  as  required  by  law,  and  a 
Notice of Right to Cancel, unless you have previously agreed to them.  Subject to applicable law, any 
change will apply to the current balance of your Account, as well as to future balances.  

If your APR is increased due to default, or due to the completion of a workout or temporary hardship 
arrangement, such adjustments would not be considered a change-in-terms.   

24.  Lost or Stolen Card and Unauthorized Use.  You agree to notify us immediately if your Card is ever 
lost or stolen, your PIN is lost or stolen, or if an unauthorized use may have occurred.  To report a 
lost or stolen card,  you must call us at: (800) 325-3678; to report unauthorized use of your card, call 
us at (800) 299-9842 or write us at: Customer Service, P.O. Box 30495, Tampa, FL 33630.   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 credit Card and comply with such procedures as 
we  may  require  in  connection  with  our  investigation,  including  assisting  in  the  prosecution  of  any 
unauthorized user. 

  You  may  be  liable  for  the  unauthorized  use  of  your  Account.    Unless  your  Account  is  a  business 
account, you will not be liable for unauthorized use that occurs after you notify us orally or in writing 
of the loss, theft, or possible unauthorized use.  In any case, your liability will not exceed $50.00. 

If your Account is a business Account for which less than 10 Cards have been issued, your liability for 
unauthorized use of a Card will not exceed $50.00. If 10 or more Cards are issued, there is no limit to 
your  liability  for  any  unauthorized  use  that  occurs  before  you  notify  us  as  provided  herein;  the 

 
 
 
 
 
 
  
 
 
 
 
 
business or organization may only impose liability on its employees for unauthorized use of a Card as 
authorized by federal law. 

25.  Convenience  Checks.    You  can  use  your  Convenience  Checks  (“Checks”)  to  purchase  goods  or 
services up to the amount of your Credit Line. Use of your Checks is a cash advance to Your VISA® 
Account.  We are not required to honor a check that will cause you to exceed your Credit Line.  We 
will not pay a Check if at the time the Check is presented, you are in default or we have suspended, 
terminated  or  canceled  your  Account.    Each  Check  must  be  in  the  form  we  have  issued  to  you.  
Checks may be used only by the person(s) whose name(s) is printed on the Checks.  You may not 
use your Checks to pay any amount you owe under your Account. 

Your statement will show you an itemization of the Checks posted to your Account during the billing 
cycle.  Checks paid by us will not be returned to you with your statement.  We will charge a Returned 
Item Fee per returned check which will be billed to your Account, if your Check(s) cannot be paid. 

Checks are not subject to VISA® chargeback rights.  Provided such request is timely, so that we shall 
have a reasonable opportunity to act upon it under our rules, you may order a Stop Payment on a 
Check drawn on your Account.  We may, but shall not be obligated to, receive such order orally.  In 
such event, the order shall be valid for only fourteen (14) days thereafter unless confirmed in writing.  
Written stop payment orders will remain in effect only six (6) months unless renewed in writing.  You 
have the responsibility of establishing the fact and amount of loss resulting from payment contrary to 
a  binding  stop  payment.    We  will  charge  a  Stop  Payment  Fee  when  you  place  a  stop  payment  on 
your Checks(s) which will be billed to your Account. 

26.  Important Notice to Cardholders Who Contact Us by Phone.  You agree that the issuer, its agents and 
service companies may, without the need to seek additional confirmation from you, monitor and/or 
record  any  telephone  communications  with  you  to  ensure  that  inquiries  from  you  are  handled 
promptly, courteously, and accurately. 

27.  Special Promotions.  From time to time, we may offer special promotions, under which purchases of 
goods  or  services,  balance  transfers  or  cash  advances  transactions  may  be  billed  to  your  Account 
with  special  promotional  terms.  The  finance  charges,  minimum  payment,  application  on  payments 
and  other  terms  for  special  promotions  may  differ  from  the  standard  terms  described  in  this 
Agreement and as may be shown on your Account statement. 

28.  VISA®  Rules  and  Regulations.    The  services  being  provided  to  you  under  this  Agreement  are  made 
possible  by  Issuer's  status  as  a  licensee  of  VISA®  U.S.A.    You  recognize  Issuer's  responsibility  to 
comply with the current VISA® U.S.A. rules and regulations and changes to them in order to continue 
to provide these services. VISA® cards may not be used for any illegal transaction. 

29.  Accuracy  of  Information.  The  information  about  the  terms  and  costs  of  the  Card  described  in  this 
Agreement is accurate as of the Effective Date.  However, you may call us at 978-452-5001 any time 
to find out what may have changed, or write to us at:  Jeanne D’Arc Credit Union, 1 Tremont Place, 
Lowell, MA  01854. 

30.  Termination  of  Account.    We  can  cancel  your  Account  at  any  time,  or  reduce  the  amount  of  your 
credit line, without notice to you, except in those situations where notice is required by law.  If we 
cancel your Account, you agree to destroy all Cards issued on your Account by cutting them in half or 
otherwise  destroying  them.    You  will continue  to  be  responsible  for  full  payment  of  the  balance on 
your  Account  and  all  charges  to  your  Account,  including  those  not  yet  received  by  us,  as  well  as 
subsequent Finance Charge and other charges.  Each Card is our property, and you agree that the 
Cards are not transferable and to surrender any Card upon demand. 

   On  the  Card  anniversary  date  or  at  re-issue,  your  membership  must  be  in  good  standing.  If  any 
obligation to which you are a party with the credit union is in default, a new Card may not be sent to 

 
 
 
 
 
 
 
 
 
 
you. You may terminate this agreement at any time, but termination by either of us does not affect 
your obligation to pay the Account balance plus any finance and other charges you owe under this 
agreement.  Convenience  checks  are  no  longer  valid  if  the  Account  has  been  suspended  or 
terminated.   

31.  Law  Governing  this  Agreement.  You  understand  and  agree  that  this  Agreement  is  made  in 
Massachusetts  and  shall  be  governed  by  the  Laws  of  the  Commonwealth  of  Massachusetts  to  the 
extent that Massachusetts law is not inconsistent with controlling federal law. If any term or provision 
of  this  Agreement  is  found  to  be  unenforceable,  this  will  not  make  any  other  terms  or  provision 
unenforceable.  

If,  for  any  reason,  we  do  not  make  use  of  any  of  our  rights  under  this  Agreement  on  a  particular 
occasion(s), that will not limit our ability to exercise those rights in the future. 

 
 
 
 
 
 
 
 
Your Billing Rights: Keep this Document for Future Reference 

This notice contains important information about your rights and our responsibilities under 
the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement.    
If  you  think  there  is  an  error  on  your  statement,  call  us  at  (800)  299-9842  or  write  us  at:  Customer 
Service, P.O. Box 30495, Tampa, FL 33630. 

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 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, call us at (800) 299-
9842 or contact us in writing [or electronically] at: Customer Service, P.O. Box 30495, Tampa, FL 33630. 

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. 

 
 
 
 
 
 
CONSUMER CREDIT CARD RATE & FEE DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

3.99% introductory APR for the first 6 months after account opening. 

APR for Balance Transfers 

After  that,  your  APR  will  be  7.99%  to  15.99%,  based  on  your 
program and creditworthiness. 
3.99% introductory APR for the first 6 months after account opening. 

APR for Cash Advances 

After that, your APR will be 7.99% to 15.99%, based on your program and 
creditworthiness. 
3.99% introductory APR for the first 6 months after account opening. 

Penalty APR and When it 
Applies 
How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 

For Credit Card Tips from 
the Federal Reserve Board 

Fees 
Annual Fee 
Maintenance Fee 
Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
• 

International Transaction 

After that, your APR will be 7.99% to 15.99%, based on your program and 
creditworthiness. 
None 

Your due date is 25 days after the close of each billing cycle.  We will not 
charge you any interest on Purchases if you pay your entire balance by the 
due date each month. 

Cash  Advances  and  Balance  Transfers  are  always  subject  to  interest 
charges from the date they are posted to your account. 
If you are charged interest, the charge will be no less than $.50 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Federal Reserve Board at: 
http://www.federalreserve.gov/creditcard 

None 
None 

None 
2.00% of transaction or $5 minimum; $50 maximum 
With currency conversion – 1.00% of the amount of your transaction in U.S. 
Dollars 
Without currency conversion – 0.8% of the amount of your transaction in 
U.S. Dollars 

Penalty Fees 
•  Late payment 
•  Returned payment 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” 

10% of the New Balance; $10 maximum  
$25