VISA CREDIT CARD AGREEMENT
Amended December 1, 2010

In this Agreement the words you and your mean each and all of those 
who agree to be bound by this Agreement; Card means the VISA 
credit card and any duplicates, renewals, or substitutions the Credit 
Union issues to you; Account means your VISA credit card line of 
credit account with the Credit Union, and Credit Union means Associ-
ated Credit Union or anyone to whom the Credit Union transfers this 
Agreement.

1. USING YOUR ACCOUNT — If you are approved for an Account, 
the Credit Union will establish a line of credit for you and notify you 
of your credit limit. You agree that your credit limit is the maximum 
amount (purchases, cash advances, finance charges, plus “other 
charges”) that you will have outstanding on your Account at any time. 
If you are over your credit limit, you must pay the amount you are 
over before payments will begin to restore your credit limit. You may 
request an increase in your credit limit only by a method acceptable to 
the Credit Union. The Credit Union has the right to reduce your credit 
limit, refuse to make an advance and/or terminate your Account at any 
time for any reason not prohibited by law.

2. USING YOUR CARD — You may use your Card to make purchases 
from merchants and others who accept VISA Cards. However, you may 
not use your Card to initiate any type of electronic gambling transac-
tion through the Internet.

If you wish to pay for goods or services over the Internet, you may 
be required to provide card number security information before you 
will be permitted to complete the transaction. In addition, you may 
obtain cash advances from the Credit Union and from other financial 
institutions that accept VISA Cards, and from some automated teller 
machines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash 
advances from an ATM, you must use the Personal Identification 
Number (PIN) that is issued to you for use with your Card. You agree 
that you will not use your Card for any transaction that is illegal under 
applicable federal, state or local law.

3. RESPONSIBILITY — You agree to pay all charges (purchases and 
cash advances) to your Account that are made by you or anyone 
whom you authorize to use your Account. You also agree to pay all 
finance charges and other charges added to your Account under the 
terms of this Agreement or another agreement you made with the 
Credit Union. If this is a joint Account, Section 17 below also applies 
to your Account.

4. FINANCE CHARGES — New purchases posted to your account 
during a billing cycle will not incur a finance charge for that billing 
cycle if you had a zero or credit balance at the beginning of that bill-
ing cycle or you paid the entire New Balance on the previous cycle’s 
billing statement by the Payment Due Date of that statement; other-
wise a finance charge will accrue from the date a purchase is posted 
to your account. To avoid an additional finance charge on the balance 
of purchases, you must pay the entire New Balance on the billing 
statement by the Payment Due Date of that statement. A FINANCE 
CHARGE will be imposed on Cash Advance transactions during a Bill-
ing Cycle when the Previous Balance is not paid in full within the first 

25 days of the Billing Cycle. An additional FINANCE CHARGE will be 
imposed on the New Balance of Cash Advance when the New Balance 
is not paid in full within 25 days after the Closing Date. 

The finance charge is calculated separately for purchases and cash 
advances. For purchases, the finance charge is computed by applying 
the monthly periodic rate to the average daily balance of purchases. 
To get the average daily balance of purchases, we take the beginning 
outstanding balance of purchases each day, add any new purchases, 
and subtract any payments and/or credits. This gives us the daily bal-
ance of purchases. Then, we add all the daily balances of purchases 
for the billing cycle together and divide the total by the number of 
days in the billing cycle. This gives us the average daily balance of 
purchases.

For cash advances, the finance charge is computed by applying the 
monthly periodic rate to the average daily balance of cash advances. 
To get the average daily balance of cash advances, we take the begin-
ning outstanding balance of cash advances each day, add in any new 
cash advances, and subtract any payments and/or credits that we 
apply to the cash advance balance. This gives us the daily balance of 
cash advances. Then, we add all the daily balances of cash advances 
for the billing cycle together and divide the total by the number of 
days in the billing cycle. This gives us the average daily balance of 
cash advances.

If you obtain a cash advance; in addition to the Finance Charges 
calculated above, a cash advance transaction fee FINANCE CHARGE 
in the form of a single Service Fee (3%, minimum $3) will be imposed 
on each Cash Advance transaction. 

The New Balance on the first Monthly Periodic Statement following 
a cash advance will include the cash advance and the cash advance 
transaction fee FINANCE CHARGE. In the month in which a cash 
advance is first billed, the ANNUAL PERCENTAGE RATE on your 
Monthly Periodic Statement will include the ANNUAL PERCENTAGE 
RATE of the cash advance transaction fee FINANCE CHARGE.

For our VISA Platinum Credit Cards, there are two ANNUAL PER-
CENTAGE RATES (APRs) available, 9.9 ANNUAL PERCENTAGE 
RATE and 12.0 ANNUAL PERCENTAGE RATE. Associated Credit 
Union will review your credit history, income, and other information 
you provide to us to determine the APR and maximum credit line 
available for your account.

The monthly periodic rate for purchases is 0.825%, which is an AN-
NUAL PERCENTAGE RATE OF 9.9%. The monthly periodic rate for 
cash advances is 0.825%, which is an ANNUAL PERCENTAGE RATE 
of 9.9%. 

The monthly periodic rate for purchases is 1.00%, which is an AN-
NUAL PERCENTAGE RATE of 12.0%. The monthly periodic rate for 
cash advances is 1.00%, which is an ANNUAL PERCENTAGE RATE of 
12.0%.

The monthly periodic rate for purchases for our Jackson EMC Classic 
Credit Card is 1.0833%, which is an ANNUAL PERCENTAGE RATE 
OF 13.0%.

5. OTHER CHARGES — The following other charges (fees) will be 
added to your Account, as applicable:
a. Late Payment Fee: A late charge of up to $35.00 will be added to 
your account if you are late in making a payment.
b. Return Check Fee: If a check, share draft or electronic payment 
used to make a payment on your account is returned unpaid, you will 
be charged a fee of up to $30.00 for each item returned.

c. Return Visa Check Fee: If your write a Visa check on your account 
which is returned, or you write a check and your account is not 
activated or the check has expired, you will be charged a fee of up to 
$30.00 for each item returned. 
d. Document Copy Fee: You will be charged $5.00 for each copy of a 
sales draft or statement that you request (except when the request is 
made in connection with a billing error made by the credit union).
e. Collection Costs: You agree to pay all costs of collecting the 
amount you owe under this Agreement, including reasonable attorney 
fees not in excess of 15% of the unpaid debt and all court costs.
f. Card Replacement Fee: $5.00
g. Pay-By-Phone Fee: $5.00

6. PAYMENTS — Each month you must pay at least the minimum 
payment shown on your statement by the date specified on the state-
ment or no later than twenty five (25) days from the statement closing 
date, whichever is later. If your statement says the payment is “Now 
Due,” your payment is due no later than twenty-five (25) days from 
the statement closing date. You may pay more frequently, pay more 
than the minimum payment or pay the Total New Balance in full. If you 
make extra or larger payments, you are still required to make at least 
the minimum payment each month your Account has a balance (other 
than a credit balance). The minimum payment is 3% of your Total New 
Balance, or $10.00, whichever is greater, plus the amount of any prior 
minimum payments that you have not made, and any amount you are 
over your credit limit. The Credit Union has a right to demand immedi-
ate payment of any amount by which you are over your credit limit. All 
payments on your account must be made in United States currency.

Payments made in person at Associated Credit Union or its CSRA CU 
division offices are credited the same day they are received.

7. PAYMENT ALLOCATION — Subject to applicable law, your pay-
ments may be applied to what you owe the Credit Union in any man-
ner the Credit Union chooses.

8. SECURITY INTEREST — If you give the Credit Union a specific 
pledge of shares by signing a separate pledge of shares security 
agreement, your pledged shares will secure your Account. You may 
not withdraw amounts that have been specifically pledged to secure 
your Account until the credit union agrees to release all or part of the 
pledged amount. In addition, your Account is secured by all other 
shares you have in any individual or joint account with the Credit 
Union, except for shares in an Individual Retirement Account or in any 
other account that would lose special tax treatment under state or 
federal law if given as security. These other shares may be withdrawn 
unless you are in default under this agreement. You authorize the 
Credit Union to apply the balance in your individual or joint share ac-
counts to pay any amounts due on your Account if you should default. 
Collateral securing other loans you have with the Credit Union may 
also secure this loan, except that a dwelling will never be considered 
as security for this Account, notwithstanding anything to the contrary 
in any other agreement.

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 Agree-
ment. 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 state-
ments in any credit application or credit update. You will also be in 
default if something happens that the Credit Union believes may 
substantially reduce your ability to repay what you owe.

When you are in default, the Credit Union has the right to demand 
immediate payment of your full Account balance without giving you 
notice. If immediate payment is demanded, you agree to continue 
paying finance charges, at the periodic rate charged before default, 
until what you owe has been paid, and any shares that were given as 
security for your Account may be applied towards what you owe.

10. LIABILITY FOR UNAUTHORIZED USE - LOST OR STOLEN 
CARD NOTIFICATION
You agree to notify us immediately at Associated Credit Union, Visa 
Center, at phone (770) 448-8200, Ext. 2391 or 1-888-339-0228, orally 
or in writing of the loss, theft, or possible unauthorized use. You may 
be liable for the unauthorized use of your Credit Card. You will not be 
liable for unauthorized use that occurs after you notify us of the loss, 
theft, or possible unauthorized use. You will have no liability for unau-
thorized purchases made with your credit card, unless you are grossly 
negligent in the handling of your card. In any case, your liability will 
not exceed $50.

11. CHANGING OR TERMINATING YOUR ACCOUNT — The Credit 
Union may change the terms of this Agreement from time to time. 
Notice of any change will be given in accordance with applicable law. 
If permitted by law and specified in the notice to you, the change will 
apply to your existing Account balance as well as to future transac-
tions.

Either you or the Credit Union may terminate this Agreement at any 
time, but termination by you or the Credit Union will not affect your 
obligation to pay the Account balance plus any finance and other 
charges you owe under this Agreement. You are also responsible for 
all transactions made to your Account after termination, unless the 
transactions were unauthorized.

The Card or Cards you receive remain the property of the Credit 
Union and you must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whether 
by you or the Credit Union. The Credit Union has the right to require 
you to pay your full Account balance at any time after your Account 
is terminated, whether it is terminated by you or the Credit Union. If 
this is a joint Account, Section 17 of this Agreement also applies to 
termination of the Account.

12. CREDIT REVIEW AND RELEASE OF INFORMATION — You 
authorize the Credit Union to investigate your credit standing when 
opening or reviewing your Account. You authorize the Credit Union to 
disclose information regarding your
Account to credit bureaus and creditors who inquire about your credit 
standing. If your account is eligible for emergency cash and/or emer-
gency card replacement services, and you request such services, you 
agree that we may provide personal information about you and your 
account that is necessary to provide you with the requested service(s).

13. RETURNS AND ADJUSTMENTS — Merchants and others who 
honor your Card may give credit for returns or adjustments, and they 
will do so by sending the Credit Union a credit slip which will be 
posted to your Account. If your credits and payments exceed what 
you owe the Credit Union, the amount will be applied against future 
purchases and cash advances. If the credit balance amount is $1 or 
more, it will be refunded upon your written request or automatically 
after six (6) months.

14. 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.

15. FOREIGN TRANSACTIONS — Purchases, cash advances and 
cash withdrawals, made in foreign currencies will be billed to your 
account in U.S. dollars. The exchange rate between the transaction 
currency and the billing currency used for processing international 
transactions is a rate selected by Visa from a 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 govern-
ment-mandated rate in effect for the applicable central processing 
date. The exchange 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.

There is no foreign transaction fee.

16. JOINT ACCOUNTS — If this is a joint Account, each person on 
the Account must sign the Agreement (by signing on the application). 
Each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit 
Union can require any one of you individually to repay the entire 
amount owed under this Agreement. Each of you authorizes the 
other(s) to make purchases or cash advances individually. Any one of 
you may terminate the Account and the termination will be effective 
as to all of you.

17. EFFECT OF AGREEMENT — This Agreement is the contract 
which applies to all transactions on your Account even though the 
sales, cash advances, credit or other slips you sign or receive may 
contain different terms.

18. NO WAIVER — The Credit Union can delay enforcing any of its 
rights any number of times without losing them.

19. STATEMENTS AND NOTICES — 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. Failure to receive a statement does not relieve your obligation to 
make a monthly payment. 

20. FINAL EXPRESSION — This Agreement is the final expression of 
the terms and conditions of this VISA line of credit between you and 
the Credit Union. This written Agreement may not be contradicted by 
evidence of any alleged oral agreement.

21. COPY RECEIVED — You understand that the use of your credit 
card constitutes acknowledgement of receipt and agreement to the 
terms of ACU’s VISA Credit Card Agreement.

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.
If you think your statement is wrong, or if you need more information 
about a transaction on your statement, write us on a separate sheet at 
the address listed on your statement. Write to us as soon as possible. 
We must hear from you no later than sixty (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 
thirty (30) days, unless we have corrected the error then. Within ninety 
(90) days, we must either correct the error or explain why we believe 
the bill 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 bill you for 
the amount you question, including 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 investigating, but you are still 
obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, 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 (10) days telling us that you still refuse 
to pay, we must tell anyone we report you to that you have a ques-
tion about your bill. 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 collect the first $50 of the ques-
tioned amount, even if your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES. If you have a prob-
lem 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.

ACU 360 (Rev 10/15/10)