PO Box 261209 ● San Diego, CA 92196-1209 

(877) 732-2848 ● sdccu.com 

VISA SIGNATURE/VISA PLATINUM/SHARE SECURED VISA CLASSIC 
CONSUMER CREDIT CARD AGREEMENT 

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account 
Opening Disclosure. The Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. 
In this Agreement the words "you," “your,” and "yours" 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 San Diego County Credit Union (SDCCU®) 
issues to you; "account" means your Visa credit card line-of-credit account with SDCCU; and "Credit Union" and “we” means 
SDCCU or anyone to whom SDCCU transfers this Agreement. 
CONSENT  TO  CONTACT  —  You  consent  to  receiving  calls  or  texts  from  SDCCU  for  any  purpose  (including 
1. 
servicing,  fraud  alerts,  debt  collection,  telemarketing,  etc.)  on  any  phone  number  you  provide,  including  via  automatic 
telephone dialing system and/or artificial or pre-recorded voice. You understand you do not have to agree to receive such 
calls on a cell phone number as a condition of doing business with SDCCU, in which case you will only provide a land line 
number.  
USING YOUR ACCOUNT — If you are approved for an account, SDCCU will establish a line of credit for you. You 
2. 
agree that your credit limit is the maximum amount (purchases, balance transfers, cash advances, finance charges, plus 
"other  charges")  which  you  will  have  outstanding  on  your  account  at  any  time.  SDCCU  may,  as  a  courtesy  and  at  our 
discretion, approve a charge that exceeds your credit limit. No over limit fee will be imposed unless you have agreed to such 
a service. If SDCCU has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, 
SDCCU  will  provide  you  with  notice,  either  orally,  in  writing,  or  electronically  (notwithstanding  the  requirements  of  the 
paragraph  entitled  “Statements  and  Notices”)  explaining  your  right  to  opt  in  to  SDCCU’s  program  whereby  it  will  honor 
advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. 
You may request an increase in your credit limit only by a method acceptable to SDCCU. SDCCU may increase or decrease 
your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. 
If you are permitted to obtain cash advances or balance transfers on your account, the maximum allowed may be less than 
your credit limit as disclosed in the Disclosure. From time to time, convenience checks or other such devices may be issued 
or provided to you that may be drawn on your account. The checks or devices may not be used to make a payment on your 
account balance. If you use a check or other device, it will be posted to your account as a cash advance or balance transfer. 
SDCCU reserves the right to refuse to honor a check or other device (for example, if the amount  exceeds the available 
credit). The request or other device must be legible, may not be payable to private individuals, cash, yourself, or SDCCU 
and is subject to the approval of SDCCU. 
You may request that we stop the payment of a check or device drawn on your account. You agree to pay any fee imposed 
to stop a payment. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with 
sufficient time in advance of the presentment of the check or device for payment to give us a reasonable opportunity to act 
on your request. In addition, your request must accurately describe the request including the exact account number, the 
payee, any check number that may be applicable, and the exact amount of the request. If permitted, you may make a stop 
payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that 
time. Written stop payment orders are effective only for six (6) months and may be renewed for additional six month periods 
by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment 
order expires. If we re-credit your account after paying a request over a valid and timely stop payment order, you agree to 
sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders 
of the request and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, 
including attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment 
of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment 
request. 
USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
3. 
acknowledgement of receipt and agreement to the terms of this Agreement and the Disclosure. You may use your card to 
make purchases from merchants and others who accept your card. SDCCU is not responsible for the refusal of any merchant 
or financial institution to honor your card. 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 SDCCU, from other financial institutions that accept your card, and from some automated teller 
machines (ATMs). (Not all ATMs accept your card.) If SDCCU authorizes ATM transactions with your card, it will issue you 
a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN 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. If  you use  your card for an illegal transaction,  you will be responsible for all amounts and charges incurred in 

©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved  

 DCAFY5 (MXC503 CCM004)-e 

 
 
 
connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card 
to  purchase  instruments  and  engage  in  transactions  that  we  consider  the  equivalent  of  cash.  Such  transactions  will  be 
posted to  your account as cash advances and include, but are not limited to,  wire transfers, money orders, bets, lottery 
tickets, and casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any 
transaction that is illegal.  
PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of checks 
4. 
or devices or any other charge) made to your account by you or anyone you authorize to use your account. You also promise 
to pay all finance charges and other charges added to your account under the terms of this Agreement or another agreement 
you made with SDCCU. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account.  
PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances  and  balance  transfers  are 
5. 
disclosed on the Disclosure that accompanies this Agreement. Any rate change will be made pursuant to applicable law. 
The initial rate on your account for certain types of transactions may be an introductory discounted rate (Introductory Rate) 
that is lower than the rate that would ordinarily apply  for that type of transaction. If an Introductory Rate applies to  your 
account, the rates and the period of time it will be effective are shown on the Disclosure accompanying this Agreement. 
After the Introductory  Rate period expires, the periodic rate  will automatically  increase to the rates that  would ordinarily 
apply for that type of transaction based on the terms of this Agreement.   
FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
6. 
for that billing cycle  if  you  had a  zero or credit  balance at the  beginning of that billing cycle,  or  you paid the entire  new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise 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 begins to accrue on cash advances and balance transfers from the date you get the cash advance or balance 
transfer. 
The finance charge is calculated separately for purchases, balance transfers and cash advances. For purchases, the finance 
charge is computed by applying the periodic rate to the average daily balance of purchases. To calculate 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 balance of purchases. We then add all of 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  periodic  rate  to  the  average  daily  balance  of  cash 
advances. To calculate the average daily balance of cash advances, we take the beginning 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. We then add all of 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. Balance transfers are calculated in the same manner as cash advances.  
FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
7. 
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 the processing network from a range of rates available in wholesale currency 
markets for the applicable central processing date, which rate may vary from the rate the processing network itself receives 
or  the  government-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. 
A fee (finance charge), calculated in U.S. dollars, may be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes 
on your card outside the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. 
consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.  
FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable 
8. 
to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Fees 
include, but are not limited to, the following.  
a. 
charged each year until your account is closed and/or paid in full.  
b. 
accompanying this Agreement.  
Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), a 
c. 
fee will be charged to your account when you transfer a balance from an account of another creditor to the account subject 
to this Agreement.  

Program Fee. If your account is subject to a Program Fee, a fee will be charged as described on the Disclosure 

Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be 

DCAFY5 (MXC503 CCM004)-e  

  
Card Replacement Fee. If  your  account is subject  to a Card Replacement Fee, a fee  will be charged for  each 

Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your 

Non-CO-OP ATM Withdrawal Fee. If your account is subject to a Non-CO-OP ATM Withdrawal Fee, a fee will be 

Non-CO-OP ATM Inquiry Fee. If your account is subject to a Non-CO-OP ATM Inquiry Fee, a fee will be charged 

Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), a fee 
d. 
will be charged to your account when you obtain a cash advance from an ATM, SDCCU, other financial institution or advance 
deemed a cash advance.  
Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
e. 
charge), a fee will be charged to your account for transactions made outside of the United States or in a foreign currency.  
Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
f. 
you do not make the required minimum payment by the statement due date.  
g. 
account when a payment is returned to you for any reason.  
Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
h. 
when the request is made in connection with a billing error made by SDCCU, a fee may be charged to your account for 
each copy of a sales draft or statement you request.  
i. 
replacement card that is issued to you for any reason.  
j. 
charged for each cash advance requested at a non-CO-OP ATM.  
k. 
for each balance inquiry requested at a non-CO-OP ATM.  
l. 
charged for each cash advance requested at an ATM outside of the United States.  
PAYMENTS — Each month you must pay at least the minimum payment shown on  your statement by the date 
9. 
specified on the statement. 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 3.00% of your total new balance, or $20, 
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. SDCCU also has the right to demand immediate payment of any amount by which you are over your 
credit limit.   
PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe SDCCU 
10. 
in  any  manner  SDCCU  chooses.  However,  in  every  case,  in  the  event  you  make  a  payment  in  excess  of  the  required 
minimum periodic payment, SDCCU will allocate the excess amount first to the balance with the highest annual percentage 
rate and any remaining portion to the other balances in descending order based on applicable annual percentage rate.   
11. 
Visa Platinum and Visa Signature. You grant SDCCU a security interest under the Uniform Commercial Code and under 
any common law rights SDCCU may have in any goods you purchase.  
Share Secured Visa Classic Card. You grant SDCCU a security interest under the Uniform Commercial Code and under 
any common law rights SDCCU may have in any goods you purchase. If you give SDCCU a specific pledge of shares by 
signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that 
have been specifically pledged to secure your account until SDCCU agrees to release all or part of the pledged amount.   

International ATM Withdrawal Fee. If your account is subject to a International ATM Withdrawal Fee, a fee will be 

SECURITY INTEREST —  

Your account is secured by all other shares you have in any individual or joint account with SDCCU, 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 or except as prohibited by law. These other shares may be withdrawn if 
you are in default under this Agreement. You authorize SDCCU to apply the balance in your individual or joint 
share accounts to pay any amounts due on your account if you should default.  

Collateral  securing  other  loans  you  have  with  SDCCU  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. 
DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
12. 
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 that SDCCU believes may substantially reduce your ability to repay what you owe.  
When you are in default, SDCCU 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.  
LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
13. 
immediately, orally or in writing, at PO Box 261209, San Diego, CA 92196-1209 or telephone (877) 732-2848 seven (7) 
DCAFY5 (MXC503 CCM004)-e  

  
days a week, 24 hours a day, of the loss, theft or unauthorized use of your credit card. 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 unauthorized transactions 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. 
CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, SDCCU may change the terms of this 
14. 
Agreement and any attached Disclosure from time to time. These credit cards are non-variable which is a set rate and is 
not determined by an Index; however, these APRs are not guaranteed. Non-variable APRs are intended to be stable, but 
can be changed based on market conditions or other factors as determined by SDCCU. 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 transactions. 
Either  you  or  SDCCU  may  terminate  this  Agreement  at  any  time,  but  termination  by  you  or  SDCCU  will  not  affect  your 
obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation 
to pay the account balance plus any finance and other charges you owe under this Agreement is subject to all applicable 
laws and regulations regarding repayment requirements. 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 SDCCU and you must recover and surrender to SDCCU all cards upon 
request or upon termination of this Agreement whether by you or SDCCU. If this is a joint account, the paragraph on JOINT 
ACCOUNTS of this Agreement also applies to termination of the account. 
CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards for 
15. 
authorized users that you designate. You must notify us in writing of any termination of an authorized user's right to access 
your account. Your letter must include the name of the authorized user and your account number and/or any subaccount 
number issued to the authorized user along with the authorized user's card and any convenience or other access checks 
issued to the authorized user. If  you cannot return the authorized user's card or access checks and if  you  request  your 
account to be closed, we will close your account and you may apply for a new account.  
CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize SDCCU to investigate your credit standing 
16. 
when opening or reviewing your account. You authorize SDCCU 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 
emergency 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).  
RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
17. 
adjustments, and they will do so by sending SDCCU a credit slip which will be posted to your account. If your credits and 
payments exceed what you owe SDCCU, the amount will be applied against future purchases, balance transfers and cash 
advances or the amount may be transferred to your primary savings account.   
ADDITIONAL BENEFITS/CARD ENHANCEMENTS —SDCCU may from time to time offer additional services to 
18. 
your account, such as travel accident insurance, at no additional cost to you. You understand that SDCCU is not obligated 
to offer such services and may withdraw or change them at any time.  
MERCHANT  DISPUTES  —  SDCCU  is  not  responsible  for  the  refusal  of  any  merchant  or  financial  institution  to 
19. 
honor  your card. SDCCU 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 SDCCU sent or participated in sending 
to you; (b) your purchase cost more than $50 and was made in your state or within 100 miles of your home; and (c) you 
must not yet have fully paid for the purchase.  
JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all 
20. 
amounts owed under this Agreement. This means that SDCCU 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, cash advances or balance 
transfers individually. Any one of you may terminate the account and the termination will be effective as to all of you.  
EFFECT OF  AGREEMENT — This Agreement is the contract which applies to all transactions on  your account 
21. 
even though the sales, cash advances, balance transfers, credit or other slips  you sign or receive may contain different 
terms.  
22. 
23. 
have given SDCCU. Notice sent to any one of you will be considered notice to all.   
SEVERABILITY AND FINAL EXPRESSION — This Agreement and Disclosure are the final expression of the terms 
24. 
and conditions of your account. This written Agreement may not be contradicted by evidence of any alleged oral agreement. 
Should any part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in 
effect and fully enforceable to the fullest extent possible under this Agreement.  
25. 

NO WAIVER — SDCCU can delay enforcing any of its rights any number of times without losing them.  
STATEMENTS AND NOTICES — Statements and notices will be delivered to you at the appropriate address you 

COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and the Disclosure. 

DCAFY5 (MXC503 CCM004)-e  

  
INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 

NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you 

26. 
electronic gambling transaction through the Internet.  
27. 
and SDCCU. This written agreement may not be contradicted by evidence of any oral agreement.  
THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON 
28. 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.  
SPECIAL RULES FOR CALIFORNIA RESIDENTS   — If  you  are a California  resident, our right  to recover any 
29. 
credit extended through the use of your credit card in making purchases from a retailer is subject to good faith defenses 
which you have properly asserted as a buyer under California law against the retailer from whom the cardholder made the 
purchases if: (a) the purchase price at the time as to which a defense is asserted exceeds $50; (b) the purchase was made 
within the State of California or if outside California, then within 100 miles of your current designated address in California; 
(c) you have made a written demand upon the retailer with respect to the purchase and attempted in good faith to obtain 
reasonable satisfaction from the retailer; and (d) you have not already paid the entire amount of the charge by paying your 
credit card balance down to zero, (e) you give us written notice specifying the retailer, the date of purchase, the purchase 
price, the goods or services purchased, the nature of your defense with respect to the transaction, as well as the action 
which you have taken in attempting to obtain satisfaction from the retailer.  
ARBITRATION — You and we agree that any and all claims arising from or relating to this Agreement and/or any 
30. 
loan or service provided by us shall be subject to binding arbitration under the Federal Arbitration Act (“FAA”). Subject to 
the exclusions specifically identified below, this includes all claims, including those based on contract, tort, equity, statute, 
or otherwise, as well as claims regarding the scope and enforceability of this provision. It includes all claims by or against 
you, us, and/or any others providing or receiving any loan or service related to this Agreement. We agree that this Agreement 
affects or involves interstate commerce. Specifically excluded from arbitration are self-help remedies, such as repossession, 
and claims subject to the jurisdiction of small claims court. 

A single Arbitrator shall decide all claims subject to this provision and shall render a final, written decision. You may choose 
the American Arbitration Association (“AAA”), Judicial Arbitration and Mediation Service (“JAMS”), or other similar arbitration 
service provider acceptable to us to administer the arbitration. Consistent with the FAA, the appropriate AAA rules, JAMS 
rules, or other service provider rules shall apply, as determined by the Arbitrator. For AAA and JAMS, these rules are found 
at www.adr.org and www.jamsadr.com. Unless otherwise agreed by the parties, the arbitration shall take place within San 
Diego County. 

Each party to the arbitration shall pay his, her, or its own costs of arbitration. If you cannot afford the arbitration costs, you 
may apply for a waiver under the relevant arbitration rules. If the arbitration service provider does not waive your costs of 
arbitration, we will consider paying all or a portion or your costs of arbitration if you can establish that you cannot afford 
them. 

The parties waive any right to bring representative claims on behalf of a class of individuals, on behalf of the public, as a 
private attorney general, or otherwise (the “class action waiver”). Except for this class action waiver, this provision should 
be severed or modified if necessary to render it enforceable.   

Your Billing Rights: Keep this Document for Future Use  

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  

What To Do If You Find A Mistake On Your Statement  
If you think there is an error on your statement, write to us:  

San Diego County Credit Union  
PO Box 261209  
San Diego, CA 92196-1209  

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 sixty (60) days after the error appeared on your statement. 
-  At least three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount 

you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any 
potential errors and you may have to pay the amount in question. 

DCAFY5 (MXC503 CCM004)-e  

  
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 ten (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 

or device 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: 

San Diego County Credit Union  
PO Box 261209  
San Diego, CA 92196-1209  

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. 
NOTICE OF NEGATIVE INFORMATION — Federal law requires us to provide the following notice to members before any 
“negative information” may be furnished to a nationwide consumer reporting agency. We may report information about your 
account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your 
credit report. 

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