DUPAGE
Credit Union

– Where you belong

REV 9/11

mediately, the exchange rate for transactions in a foreign currency will be either 
a government-mandated exchange rate, or a wholesale exchange rate selected 
by Visa/MasterCard, and that the government-mandated exchange rate, or a 
wholesale exchange rate Visa/MasterCard uses for a particular transaction is the 
rate Visa/MasterCard selects for the applicable currency on the day the transaction 
is processed, which may differ from that applicable to the date the transaction 
occurred or when it is posted to the account. Cardholders will agree to pay the 
converted amount plus a fee up to 1%. Effective April 4, 2008, Visa will assess a 
.80% International Service Assessment (ISA) Fee on all single currency conversions. 
This fee will be applied to all purchases and cash advances that are initiated with 
merchants processing in U.S. currency but located outside of the U.S.

14. Changing or Terminating Your Account: The Credit Union may change the 
terms of this Agreement from time to time after giving you any advance notice 
required by law. Your use of the card after receiving notice of a change will indi-
cate your agreement to the change. To the extent the law permits, and indicated 
in the notice to you, the change will apply to your existing account balance as 
well as future transactions. 

Either the Credit Union or you may terminate this agreement at any time, but 
termination by you or the Credit Union will not affect your obligation to pay the 
account balance plus any finance charges and other charges you owe under this 
Agreement. The cards you receive remain the property of the Credit Union and 
you must recover and surrender to the Credit Union all cards upon request or 
upon termination of this Agreement whether by you or the Credit Union. Failure 
to surrender your cards will result in a card recovery fee of $50 each, should you 
attempt to use the cards.

15. Copies of Documentation: You will be charged a fee for each copy of a draft 
or monthly statement that you request from us. The fee will be handled by the 
Credit Union as an adjustment to the account balance, not as a purchase and 
may not be charged a Finance Charge.

16. Effect of Agreement/Waiver: This agreement is the contract which applies 
to all transactions on your account even though the sales, cash advances, credit 
or other slips you sign or receive may contain different terms. The Credit Union 
can delay enforcing any of its rights any number of times without losing them.

17. Statements and Notices: You will receive a statement each month showing 
transactions on your account. You are responsible for your minimum monthly 
payment even in the event your statement is late or returned to the Credit Union. 
Statements and notices will be mailed to you at the most recent address you 
have given the Credit Union. Notice sent to any one of you will be considered 
notice to all.

18. Illegal Transactions: You will not use your DuPage Credit Union VISA® Credit 
Card for any illegal transaction.

19. Internet Gambling: You may use your card to purchase goods and services 
from participating merchants. However, you may not use your card to initiate any 
type of electronic gambling transaction through the Internet. Also, you agree 
that you will not use your card for any transaction that is illegal under applicable 
federal, state, or local law.

20. Your Billing Rights—Keep This Notice For Future Use: This notice contains 
important information about your rights and our responsibilities under the Fair 
Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. 
Any dispute or errors need to be put in writing and sent to: DuPage Credit Union, 
ATTN: Card Sales, P.O. Box 3930, Naperville, IL 60567. We must hear from you no 
later than 60 days after we sent you the first statement on which the error or 
problem appeared. You can telephone us, but doing so will not preserve your 
rights. In your letter, give us the following information:

   Your name and account number.
   The dollar amount of the suspected error.
   Describe the error and explain, if you can, why you believe there is an error. 
If you need more information, describe the item you are not sure about.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR  
WRITTEN NOTICE. We must acknowledge your letter within 30 days, unless we 
have corrected the error by then. Within 90 days, we must either correct the error 
or explain why we believe the statement was correct. After we receive your letter, 
we cannot try to collect any amount you question, or report you as delinquent. 
We can continue to send statements to you for the amount you question, includ-
ing finance charges, and we can apply any unpaid amount against your credit 
limit. You do not have to pay any questioned amount while we are investigat-
ing, but you are still obligated to pay the parts of your statement that are not in 
question. If we find that we made a mistake on your statement, you will not have 
to pay any finance charges related to any questioned amount. If we didn’t make 
a mistake, you may have to pay finance charges, and you will have to make up 
any missed payments on the questioned amount. In either case, we will send you 
a statement of the amount you owe and the date that it is due. If you fail to pay 
the amount that we think you owe, we may report you as delinquent. However, 
if our explanation does not satisfy you and you write to us within ten days telling 
us that you still refuse to pay, we must tell anyone we report you to that you have 
a question about your statement. And, we must tell you the name of anyone we 
reported you to. We must tell anyone we report you to that the matter has been 
settled between us when it finally is. If we don’t follow these rules, we can’t col-
lect the first $50 of the questioned amount, even if your statement was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES. If you have a problem with the 
quality of property or services that you purchased with a credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the property or services. There 
are two limitations on this right:

(a) You must have made the purchase in your home state or, if not within your 
home state, within 100 miles of your current mailing address; and (b) The 
purchase price must have been more than $50. These limitations do not apply if 
we own or operate the merchant, or if we mailed you the advertisement for the 
property or services.

USA PATRIOT ACT. Pursuant to requirements of law, including the USA Patriot 
Act, DuPage Credit Union is obtaining information and will take necessary ac-
tions to verify your identity. Pursuant to the FACT Act address changes will only 
be accepted via in person and by mail with proper Credit Union verification.

State laws require the following notices: California Residents: Regardless of 
your marital status, you may apply for credit in your name only. New York Resi-
dents: May contact the New York State Banking Department at 800.518.8866 to 
obtain a comparative listing of Credit Card rates, fees and grace periods. Ohio 
Residents: Ohio anti-discrimination laws require creditors to make credit equally 
available to all creditworthy customers and that credit reporting agencies 
maintain separate credit histories on each individual upon request. The Ohio Civil 
Rights Commission administers these laws. Married Wisconsin Residents: No 
provision of any marital property agreement, unilateral statement, or court order 
applying to marital property will adversely affect a creditor’s interest unless, prior 
to the time credit is granted, the creditor is furnished with a copy of the agree-
ment, statement or court order, or has actual knowledge of the provision.

You acknowledge that you have received a copy of this Agreement that contains 
the Credit Union’s terms and conditions by signing or using the issued card(s).

Information about the costs of the Credit Card Account described in this disclo-
sure is accurate as of September 12, 2011. This information may have changed 
after this date. To find out what may have changed, please write to us at DuPage 
Credit Union P.O. Box 3930, Naperville, Illinois 60567-3930.

DuPage Credit Union
VISA® Gold
Truth-In-Lending Terms and Conditions

In this Agreement the words you and your mean each and all of those who sign 
or use the issued VISA® Card. Card means a VISA® Credit Card and any duplicates 
and renewals the Credit Union issues. Account means your VISA® Credit Card line 
of credit account with the Credit Union. Credit Union, we, us, and our means the 
Credit Union whose name appears in this Agreement.

1. Using the Account/Credit Limit: You are approved for a VISA® account. 
Signing and using your DuPage Credit Union VISA® Card signifies acceptance of 
the following terms and conditions. You agree not to let your account balance 
exceed your approved credit limit. Each payment you make on the account will 
restore your credit limit by the amount of the payment which is applied to the 
principal amount of purchases and cash advances. You may request an increase 
in your credit limit by making a request to the Credit Union. The Credit Union has 
the right to reduce or terminate your credit limit at any time.

2. Responsibility: You agree to repay all debts and the Finance Charge arising 
from the use of the card and the card account. For example, you are respon-
sible for charges made by yourself, your spouse and minor children. You are 
responsible for charges made by anyone else to whom you give the card, and 
this responsibility continues until the card is recovered. You cannot disclaim 
responsibility by notifying us, but we will close the account for new transactions 
if you so request and return all cards. If either party closes the account, the credit 
card(s) must be surrendered to the Credit Union. Should unauthorized use occur 
after the account is closed, the card will be picked up by a merchant, and you will 
be responsible for each $50 card recovery fee. Your obligation to pay the account 
balance continues even though an agreement, divorce decree or other court 
judgment to which we are not a party may direct you or one of the other persons 
responsible to pay the account. 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 jointly responsible for all charges on 
the account, including yours.

3. Liability For Unauthorized Use/Lost Card Notification: You agree to notify 
us immediately, orally or in writing of the loss, theft or unauthorized use of your 
Credit Card. If your credit card is lost or stolen, you must notify us in writing at the 
address below or phone us. For stolen cards, include a copy of the police report. 
Unless you have been grossly negligent or have engaged in fraud, you will not 
be liable for any unauthorized transactions using your lost or stolen VISA® Credit 
Card. This additional limit on liability does not apply on ATM transactions using 
your PIN that are not processed by VISA®, or to commercial cards.

DuPage Credit Union 
ATTN: Card Sales 
P.O. Box 3930, Naperville, Illinois 60567-3930 
Telephone Number 800.323.2611

4. Monthly Payment: Each month you must pay at least the minimum payment 
shown on your statement within 25 days of the statement closing date. You may, 
of course, pay more frequently, pay more than the minimum payment, or pay the 
Total New Balance in full. If you make extra payments or larger payments, you are 
still required to make at least the minimum payment each month your account 
has a balance. The minimum payment is 2% of the Total New Balance but not less 
than $25.00, plus the amount of any prior minimum payments that you have not 
paid. In addition, at any time your Total New Balance exceeds your credit limit, 
you must immediately pay the excess upon demand. The Credit Union may apply 
your payments to what you owe in any manner the Credit Union chooses. We will 
apply payments paid in excess of the minimum payment due first to the balance 

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bearing the highest rate of interest, and then to each successive balance bearing 
the next highest rate of interest, until the payment is exhausted.

VISA® Gold

5. Finance Charges: In order to avoid a finance charge on Purchases made 
since your last statement date, you must pay the Total New Balance shown on 
your statement within 25 days of the statement closing date. Otherwise, finance 
charges on purchases are calculated from the beginning of the next statement 
period on previously billed but unpaid purchases and on new purchases from 
the date they are posted to your account. Cash advances are always subject 
to finance charge from the date of transaction. We figure the finance charge 
separately for purchases and cash advances on your account by applying the ap-
plicable periodic rate set forth below to the “average daily balance” of purchases 
(including current transactions), and to the “average daily balance” of cash 
advances (including current transactions). To get each “average daily balance”, we 
take the beginning balance each day, add any new purchases (if calculating the 
“average daily balance” for purchases), add any new cash advances (if calculating 
the “average daily balance” for cash advances), and subtract any payments or 
credits. This gives us the daily balance. Then, we add up all the daily balances for 
the billing cycle and divide the total by the number of days in the billing cycle. 
This gives us the “average daily balance.”

6. Other Fees and Charges: Other fees and charges that will be added are as 
shown in the table to the right.

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases

16.88%

APR for Balance Transfers

APR for Cash Advances

19.88%

19.88%

Penalty APR and When it Applies

A Penalty APR will not be charged.

How to Avoid Paying Interest  
on Purchases

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

Minimum Interest Charge

There is no minimum interest charge.

For Credit Card Tips from the
Federal Reserve Board

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.

Fees

Annual Fee

Transaction Fees

  Cash Advance

  Foreign Transaction

Penalty Fees

  Late Payment
  Over-the-Credit-Limit
  Returned Payment

Other Fees

  Returned Convenience Check
  Expedited Card Delivery

None

3% of the Cash Advance including Convenience Checks unless otherwise disclosed  
($5 minimum/$50 maximum fee)
1% of each transaction in US Dollars

Up to $25
None
Up to $25

$25

$30

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 
The fee if you need to replace this card is $10.

7. Cash Advance/Balance Transfer Information: Cash Advances/Balance Trans-
fers are not subject to a grace period. DuPage Credit Union is not responsible 
for any merchant delays in processing transactions. Cash Advances/Balance 
Transfers cannot be used to pay other DuPage Credit Union obligations.

Cash Advance Fee: The fee will be added to the appropriate advance balance 
with the cash advance. (The amount of the cash advance may include a sur-
charge that the ATM owner imposes.)

8. Security Interest: If you give the Credit Union a specific pledge of savings 
by signing a separate pledge of savings for this account, your account will be 
secured by your pledged savings. To secure your account you grant us a purchase 
money security interest under the Uniform Commercial Code in any goods you 
purchase through the account. If you default, we will have the right to recover 
any of these goods that have not been paid for through our application of your 
payments in the manner described above. Collateral securing other loans with us 
may also secure this account.

9. Default: You will be in default if you fail to make any minimum payment or 
other required payment by the date that it is due. You will be in default if you 
break any promise you make under this Agreement. You will be in default if 
you die, file for bankruptcy or become insolvent, that is, unable to pay your 
obligations when they become due. You will be in default if you make any 
false or misleading statements in any credit application or credit update. You 
will also be in default if something happens which the Credit Union believes 
may substantially reduce your ability to repay what you owe. When you are in 
default, the Credit Union has the right to demand immediate payment of your 
full account balance without notice. If immediate payment is demanded, you 
will continue to pay finance charges and fees until what you owe has been paid, 
and any savings that were given as security will be applied towards what you 
owe. We may enter into a contingent or hourly fee arrangement with an attorney 
and/or collection agency to collect the amounts you owe us and you agree 
that such arrangement is reasonable. This provision also applies to bankruptcy, 
appeals or post-judgment proceedings. You promise to pay all costs of collecting 
the amount you owe if your VISA® account is in default. These costs will include 
reasonable attorney fees, court costs and/or collection agency fees and all other 
costs permitted under state law and regulation.

10. Using the Card: You may use the card issued to you to make purchases in 
person, and by mail or telephone from merchants and others who accept credit 
cards. In addition, you may obtain cash advances from the Credit Union, from 
other financial institutions participating in the VISA® program, and from auto-
mated teller machines (ATM’s), such as VISA® ATM network, that provide access 
to the VISA® system. (Not all ATM’s provide such access.) You will need to use your 
Personal Identification Number (PIN) to obtain a cash advance from an ATM.

11. Returns and Adjustments: Merchants and others who honor the Card may 
give credit for returns or adjustments, and they will do so by sending us a credit 
slip 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 pur-
chases and cash advances, or if it is $1 or more, refund it on your written request 
or automatically after 6 months.

12. Merchant Disputes: The Credit Union is not responsible for the refusal of any 
merchant or financial institution to honor the card. The Credit Union is subject 
to claims and defenses (other than tort claims) arising out of goods or services 
you purchase with the card if you have made a good faith attempt but have been 
unable to obtain satisfaction from the merchant or service provider, and (a) your 
purchase was made in response to an advertisement the Credit Union sent or 
participated in sending to you; or (b) your purchase cost more than $50 and was 
made in your state or within 100 miles of your home.

13. Foreign Transactions: Purchases and cash advances made in foreign 
countries and foreign currencies will be billed to you in U.S. dollars. Effective im-

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