tries and foreign currencies will be billed to you in U.S. dollars. The exchange 
rate for transactions in a foreign currency will be the rate selected by Visa from 
the 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 currency conversion rate used on the processing date may differ 
from the rate that would have been used on the purchase date or cardholder 
statement posting date.

16.  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 indicate 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.

17.  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.

18.  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.

19.  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.

20.  Additional Benefits/Card Enhancements: The Credit Union may from time 
to time offer additional services to your Account, such as travel accident 
insurance, at no additional cost to you. You understand that the Credit Union 
is not obligated to offer such services and may withdraw or change them at 
any time.

21.  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.

22.  DuPage Credit Union Choice Rewards Program: Eligible Visa Platinum 

Rewards accounts earn two Choice Rewards Points for every dollar spent 
on gas station and restaurant purchases, five Choice Rewards Points on 
charity donations and one Choice Rewards Point for all other purchases. 
One Choice Rewards Point is earned for every dollar over $1,500 balance 
transferred within the first 90 days of account opening. 10,000 Choice 
Rewards Points are earned when $3,000 is charged in the first 90 days of 
account opening. No points are earned for finance charges, fees, cash 
advances, convenience checks, payment of existing card balances, balance 
transfers and ATM transactions. Points in this program converted to a 
statement credit cannot be used to satisfy any monthly minimum payment 
obligation on the cardholder account.

23.  Military Lending Act (MLA): Important information for Covered Borrowers 
under the Military Lending Act, effective October 3, 2017. Federal law 
provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the 
cost of consumer credit to a member of the Armed Forces and his or her 
dependent my not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: the costs 
associated with credit insurance premiums; fees for ancillary products sold 
in connection with the credit transaction; any application fee charged (other 
than certain application fees for specified credit transactions or accounts); 
and any participation fee charged (other than certain participation fees for a 
credit card account).

For more information, please contact DuPage Credit Union at  
800-323-2611 to receive oral disclosures of the Military Lending Act 
disclosure and a description of the payment obligation. 

24.  Consent To Contact: You give the Credit Union and third party vendors 
calling on our behalf, your consent to use automated technology to call 
or text you at the phone number(s) given by you, including your wireless 
number. This may be for offering products or services, potential fraud on your 
account or to collect any amounts you owe. Standard message and data rates 
may apply. You have the right to opt out of this consent at any time.

25.  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.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dispute 
or errors need to be put in writing and sent to: DuPage Credit Union, ATTN: 
Card Services, PO Box 3930, Naperville, IL 60567. You can telephone us, but 
doing so will not preserve your rights. You may also contact us on the Web: 
dupagecu.com sending a secure email by logging into your account on Online 
Banking at dupagecu.com. 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.

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 incorrect.

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.

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 is 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: DuPage Credit Union, ATTN: Card Services, PO Box 3930, 
Naperville, IL 60567. 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.

USA PATRIOT ACT. Pursuant to requirements of law, including the USA Patriot 
Act, DuPage Credit Union is obtaining information and will take necessary 
actions 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. 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 agreement, 
statement or court order, or has actual knowledge of the provision.

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.

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 
disclosure is accurate as of October 1, 2018. This information may have changed 
after this date. To find out what may have changed, please write to us at DuPage 
Credit Union PO Box 3930, Naperville, Illinois 60567-3930.

REV 10/18

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.

DuPage Credit Union
Visa® Platinum Rewards
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 pay all charges (purchases, balance transfers 
and cash advances) to your Account that are made by you or anyone 
whom you authorize to use your Account. For example, you are responsible 
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. Joint Account: 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 to all of you.

3.  Variable Annual Percentage Rate: Your standard variable Annual Percentage 

Rate (APR) for purchases, balance transfers and cash advances may increase or 
decrease quarterly. For each quarter, we determine the APR by adding a margin 
to the U.S. Prime Rate published in the Wall Street journal the last business day 
of the previous calendar quarter. When a change in the Prime Rate occurs, the 
resulting new APR’s will apply to balances on your account starting with your 
next monthly billing cycle.

4.  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. You will have no liability for unauthorized transactions made with your 
credit card, unless you are grossly negligent in handling of your card. This 
additional limit on liability does not apply to ATM transactions, which are not 
processed by Visa, or to commercial cards.

DuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 
60567-3930, Telephone Number 800-323-2611

5.  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. If your account is subject to a Balance Transfer Fee, the fee 
as disclosed will be charged to your account in the month that the Balance 
Transfer is completed. This may increase your minimum monthly payment 
during the month that the Balance Transfer Fee is assessed.

6.  Payment Allocation: Subject to applicable law, your minimum payment 

amount may be applied to what you owe the Credit Union in the following 
order: Finance charges, fees, previous promotional balance, balance cash, 
balance retail, cycle-to-date promotional, cycle-to-date cash, cycle-to-date 
retail. Any payment amount in excess of the minimum will be applied first 
to the card balance bearing the highest rate of interest, and then to each 
successive balance bearing the next highest rate of interest. If two or more 
balances have the same rate of interest, the older balance is paid first, until the 
payment is exhausted.

7.  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 applicable 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.”

8.  Other Fees and Charges: Other fees and charges that will be added are as 

shown in the table to the right.

9.  Cash Advance/Balance Transfer Information: Cash Advances/Balance 
Transfers are not subject to a grace period. DuPage Credit Union is not 
responsible for any merchant delays in processing transactions. Balance 
Transfers cannot be used to pay other DuPage Credit Union obligations. Balance 
Transfers and cash advances do not qualify to earn Bonus Points. The Credit 
Union reserves the right to place a maximum limit for daily cash advance 
transactions. Accounts will be limited to two (2) cash advance transactions 
per 24 hour period. Cash Advances performed through an ATM have a daily 
maximum limit of $500 and will be limited to two (2) per 24 hour period.

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 
surcharge that the ATM owner imposes.) 

10.  Current DuPage Credit Union Visa Inspire Cash Back Signature 

Cardholders: By switching to a Visa Platinum Rewards Credit Card any earned 
cash back will be converted to Choice Rewards Points. 
Upgrading From One DuPage Credit Union Credit Card Program to Another: 
Upon activating your new DuPage Credit Union Credit Card, your old credit card 
will be closed and any unpaid, promotional balances will be transferred to your 
new DuPage Credit Union Credit Card at the current purchase APR.

Visa® Platinum Rewards

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases

Annual Percentage Rate (APR)  
for Balance Transfers

APR for Cash Advances

0% Introductory APR for 12 billing cycles from the date of  
account opening on qualifying purchases posted within the  
first 90 days of account opening. After that, your APR will be 
14.25% to 22.25% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

0% Introductory APR on balance transfers requested within the 
first 12 months of account opening. This will be the rate for the 
next 12 months of each balance transfer. After that, your APR 
will be 14.25% to 22.25% based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate.

16.25% to 24.25%
The rate you qualify for is based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

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

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

Annual Fee

Transaction Fees
• Balance Transfer

• Cash Advance

• Foreign Transaction

Penalty Fees

• Late Payment
• Over-the-Credit-Limit
• Returned Payment

Other Fees

None

Introductory fee of $5 or 3% of the amount of the transaction, 
whichever is greater during the first 12 months. After that, None.

3% of the Cash Advance unless otherwise disclosed  
($5 minimum/$50 maximum fee)
None

Up to $25
None
Up to $25

• Returned Convenience Check
• Expedited Card Delivery
• Card Replacement Fee

$25
$30
$10

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” If you fail to make two consecutive required payments on your 
account you will be considered in default and all Choice Rewards Points will be forfeited. Current DuPage Credit Union Credit cardholders do not qualify to transfer their current 
outstanding balance from one DuPage Credit Union Credit Card to another DuPage Credit Union Credit Card at the introductory promotional rate.

Balance Transfers: If the total amount you request exceeds your total credit 
line, we may send full or partial payment to your creditors in the order you 
provide them to us. Balance Transfers incur interest charges from the date of the 
transaction. Allow at least 2 weeks for processing. If you have a dispute with a 
creditor and pay that balance by transferring it to your new account, you may lose 
certain billing rights. Balance Transfers may not be used to pay off or down any 
account issued by DuPage Credit Union.

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 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. If your account is charged off all balances will revert to the highest 
APR on the account.

The Credit Union reserves the right to remove all unredeemed Choice Rewards 
Points if you fail to make a required payment for two consecutive billing cycles, 
your account is not in good standing, your account is inactive for a 6-month 
period of time, if the cardholder (s) are deceased, the Credit Union detects 
suspicious activity or the account is closed for any reason.

12.  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.

Illegal Transactions: You will not use your DuPage Credit Union Visa Credit 
Card for any illegal transaction.

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.

13.  Returns and Adjustments: Merchants and others who honor the Card may 
give credit for returns or adjustments. 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 or more, refund it on your written 
request or automatically after 6 months.

14.  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.

15.   Foreign Transactions: Purchases and cash advances made in foreign coun-