Visa® Platinum Business Credit Card 

Agreement and Disclosure 

This  Agreement  and  Disclosure  Statement  contains  the  terms 
and  disclosures  which  apply  to  Your  Visa  Credit  Card  Account 
with Seven Seventeen Credit Union, Inc. 

Notice:    See  reverse  side  for  important  information  regarding 

your rights to dispute billing errors. 

1.  Meaning  of  Words.    The  following  words  have  the 
following  meanings  in  this  Agreement and in the  monthly  billing 
statement mailer hereunder: 

(a)  “Agreement”  means  the  VISA®  Business  Credit  Card 

Agreement and Disclosure furnished by us. 

(b)  “We”,  “Us”  and  “Ours”  mean  Seven  Seventeen  Credit 

Union, Inc., (SSCU) Warren, Ohio. 

(c) “You” and “Your” means the business owner who signs this 
Agreement  and  any  person  noted  as  an  authorized  user  on  this 
account. 

(d)  “Card”  means  any  VISA®  Credit  Card  and  any  duplicates 

and renewals we issue to you. 

(e)  “Account”  means  your  VISA®  Credit  Card  Line  of  Credit 
Account  with us that  contains  a  record  of  all  purchases  and Cash 
Advances made by you under this Agreement. 

(f) “Line of Credit” means the total dollar amount we approve 
for  you  against  which  you  may  obtain  Cash  Advances  under  this 
Agreement. 

(g)    “Business  Owner”  means  the  principal,  owner,  officer, 
partner, member, manager, individual, guarantor or borrower duly 
authorized on behalf of the business seeking credit in conjunction 
with  the  business  application  and  Visa  Business  Credit  Card 
Agreement and Disclosure. 

(h)  “Advance”  means  any  credit  extended  to  you  under  this 

Agreement for any purchases or Cash Advances. 

(i) “Cash Advance” means (i) any credit extended to you from 
us  or  from  any  other  institution  that  accepts  the  Card  (ii)  any 
withdrawal  of  cash  made  by  using  your  personal  identification 
number (“PIN”) at an automated teller machine (“ATM”) or other 
type  of  electronic  terminal  that  provides  access  to  the  VISA 
system, or (iii) the amount of any Visa Convenience Check paid by 
us. 

(j)  “Visa  Convenience  Checks”  means  any  check  that  may  be 
issued by us to you, from time to time, that directly accesses your 
Visa Credit Card Line of Credit Account.  The amount of any Visa 
Convenience Check paid by us is posted as a Cash Advance under 
your Account. 

2.    How  to  Use  This  Account:    You  can  purchase  or  lease 
goods  and  services  (“purchases”)  from  a  merchant  up  to  your 
maximum credit limit by presenting your Card and signing a sales 
slip for the amount of the purchase.  You may also use your Card: 

(a) To obtain Cash Advances up to your maximum credit limit 

from financial institutions that accept a Visa Credit Card; 

(b)  By  use  of  pre-printed  Visa  Convenience  Checks  that  we 

may issue you from time to time; 

(c) By making withdrawals with your Card at an ATM or other 
type of electronic terminal that provides access to the Visa system; 
or 

(d)  By  first  selecting  your  Account  to  provide  overdraft 
protection  for  your  Checking  Account  and  by  issuing  checks  or 
drafts,  or  the  accrual  of  any  charges  against  your  Checking  or 

Money  Market  Checking  Account  with  Seven  Seventeen  Credit 
Union, Inc. in excess of its balance.  Advances will be made up to 
your maximum credit limit by automatic transfer of funds directly 
into your predesignated Checking Account(s) in multiples of $100.  
The fee for each transfer is $7.00. 

3. Responsibility.  Both the Business and the Business Owners 
are  jointly  and  severally  liable  to  pay  all  Advances  under  the 
Account  plus  FINANCE  CHARGES  arising  from  the  authorized 
use of the Card, a Visa Convenience Check and the Card account.  
For  example,  the  Business  is  responsible  for  charges  made  by 
yourself,  your  spouse  and  minor  children.    The  Business  is  also 
responsible for charges made by anyone else to whom the Card is 
given, and this responsibility continues until the Card is recovered.  
The  Business  cannot  disclaim  responsibility  by  notifying  us,  but 
we will close the Account for new transactions, if you so request, 
when  you  return  all  Cards  and  any  issued  but  unused  Visa 
Convenience Checks.  The 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  other  persons 
responsible to pay the Account. 

4. Liability for Unauthorized Use.  Notify us immediately in 
the event the account card is lost or stolen or upon discovery of a 
transaction  which  is  the  result  of  fraudulent  activity  such  as  the 
unauthorized use of the account or the card.  We reserve the right 
to  impose  liability  on  the  Business,  if  we  determine  that  the 
Business  or  cardholder  was  negligent  in  the  handling  of  the 
account or card. 

5.  Lost  Card  Notification.    To  report  lost  or  stolen  Visa® 
Credit Cards 24 hours a day call  800.847.2911.  To report lost or 
stolen  cards  during  normal  business  hours  call  330.372.8100, 
330.677.0001, 330.492.1106, 330-298-0400 or 800.775.7741. 

6.  Credit  Line:    If  we  approve  the  application,  we  will 
establish a self-replenishing Line of Credit and notify the Business 
of  its  amount  when  we  issue  the  Card.    You  agree  not  to  let  the 
Account balance exceed this approved credit line.  Each payment 
made on the Account will restore your credit line by the amount of 
the payment which is applied to the principal balance owed on the 
Account.  The Business may request an increase in the credit line 
which must be approved by us.  By giving written notice, we may 
reduce the credit line from time to time, or with good cause, revoke 
the  Card  and  terminate  this  Agreement.    Good  cause  includes 
failure to comply with this Agreement, or our adverse reevaluation 
of  credit  worthiness.    The  Business  may  also  terminate  this 
Agreement  at  any  time,  but  termination  by  either  of  us  does  not 
affect  the  obligation  to  pay  the  Account  balance.    The  Card 
remains our property and you must recover and surrender to us all 
Cards, and any issued but unused Visa Convenience Checks, upon 
our request and upon termination of this Agreement. 

7.  Credit  Information.    The  Business  authorizes  us  to 
investigate  their  credit  standing  when  opening,  renewing  or 
reviewing the Account, and the Business authorizes us to disclose 
information  regarding  the  Account  to  credit  bureaus  and  other 
creditors who inquire of us about your credit standing, to the extent 
authorized by our BYLAWS. 

8.  Payments.    We  will  mail  you  a  statement  every  month 
showing  your  previous  balance  comprised  of  purchases  and  Cash 
Advances, the current transactions on your Account, the remaining 
credit  available  under  your  credit  limit,  the  new  balance  of 
purchases  and  Cash  Advances,  the  total  new  balance,  the 
FINANCE  CHARGE  due  to  date,  and  the  minimum  payment 
required.  Each month the Business must pay at least the minimum 
payment  shown  on  the  statement  by  the  date  specified  on  the 
statement or no later than 25 days from the statement closing date, 

which  ever  is  later.    If  the  statement  says  the  payment  is  “Now 
Due,” the payment is due no later than 25 days from the statement 
closing  date.    The  Business  may  pay  more  frequently,  pay  more 
than the minimum payment or pay the Total New Balance in full.  
If the Business makes extra or larger payments, the Business is still 
required  to  make  at  least  the  minimum  payment  each  month  the 
Account has a balance (other than a credit balance). 

Payment  checks  must  be  drawn  on  a  financial  institution  or 
other entity domiciled in the United States.  Otherwise, posting of 
the payment may be delayed if presentment of a check is drawn on 
a non-United States domiciled financial institution or entity.  The 
payment  will  not  be  credited  to  the  account  until  the  funds  have 
been collected in United States dollars.  The Business also agrees 
to allow the Credit Union to debit the account for any collection in 
processing fees associated with handling this payment. 

The minimum payment will be two percent (2.0%) of the total 
new balance or $10 or the total new balance, if it is less than Ten 
Dollars ($10) plus any portion of the minimum payment(s) shown 
on prior statement(s) which remain unpaid. 

We  have  the  right  to  demand  immediate  payment  of  any 

amount by which you are over your credit limit. 

We  will  apply  your  minimum  payment  first  to  the  FINANCE 
CHARGE  on  Balance  Transfers,  Cash  Advances  and  purchases, 
then to fees, then to the principal balances of purchases in the order 
they  were  posted  to  your  Account,  and  then  to  the  principal 
balance of cash advances.  Any amount in excess of the minimum 
payment will be applied to the balance with the highest ANNUAL 
PERCENTAGE RATE. 

9.  FINANCE  CHARGES.    You  can  avoid  a  FINANCE 
CHARGE  on  purchases  by  paying  the  full  amount  of  the  New 
Balance of purchases each month within 25 days of your statement 
closing  date.    Otherwise,  any  unpaid  New  Balances  of  purchases 
and  subsequent  purchases  from  the  date  they  are  posted  to  your 
Account will be subject to FINANCE CHARGES.  Cash advances, 
which  include  the  amount  of  any  Visa  convenience  checks  or 
balance  transfers  posted  to  your  account,  are  always  subject  to 
FINANCE  CHARGES  from  the  date  they  are  posted  to  your 
Account. 

In  addition  to 

the  ANNUAL  PERCENTAGE  RATE  a 
transaction fee of 3% of the advance for each cash advance will be 
charged with a minimum of $2.00 and a maximum of $15.00. 
See Rate Addendum for rates regarding your account. 
Any increase in the ANNUAL PERCENTAGE RATE will take 
the  form  of  additional  payments  shown  as  total  minimum 
payments on the statement. 

The following information is applicable to  each of our VISA® 

Credit Card Line of Credit Accounts: 

The  principal  balances  of  purchases  and  Cash  Advances  are 
determined  each  day  during  the  statement  period,  beginning  with 
the  principal  portion  of  your  previous  balances,  reduced  by 
payments made and credits we apply, and increased by purchases 
and  Cash  Advances  made  and  debit adjustments  we  make  during 
the statement period.  The daily principal balances are totaled and 
divided by the number of days in the statement period, to produce 
separate  average  daily  principal  balances  for  purchases  and  Cash 
Advances to which the periodic rate is then applied. 

10. Default.  The Business will be in default if it fails to make 
any minimum payment or other required payment by the date that 
it is due.  The Business will be in default if it breaks any promise 
made under this Agreement.  The Business will be in default if it 
files for bankruptcy or becomes insolvent, that is, unable to pay the 
obligations  when  they  become  due.    The  Business  will  be  in 
default if it makes any false or misleading statements in any credit 

application or update of credit information.  The Business will be 
in  default 
if  something  happens  which  we  believe  may 
substantially  reduce  the  Business’  ability  to  repay  what  it  owes.  
When in default we can demand immediate payment of the entire 
amount  owed  under  this  Agreement  without  giving  you  advance 
notice.    If  immediate  payment  is  demanded,  the  Business  will 
continue  to  pay  interest,  at  the  applicable  interest  rates  in  effect 
under  this  Agreement,  until  what  is  owed  has  been  repaid.    If 
demand  for  immediate  payment  has  been  made,  the  shares  and 
deposits  given  as  security  for  payment  under  this  Agreement  can 
be  applied  towards  what  is  owed.    We  may  also  take  appropriate 
action  as  authorized  under  the  Uniform  Commercial  Code  to 
repossess any and all collateral pledged to secure repayment under 
this Agreement.  To the extent permitted by law, the Business will 
also  be  required  to  pay  our  collection  expenses,  including  court 
costs  and  reasonable  attorneys’  fees.    We  can  also  exercise  any 
other rights given by law when the Business is in default. 

11.  Money  Transfer  Services.  If  you  receive  any  transmittal 
amount  from  any  Money  Transfer  Service  (MTS)  provider,  you 
agree  not  to  receive  more  than  $2,500  per  day  or  more  than 
$10,000  per  month.    We  may  increase  or  decrease  these  limits 
from time to time at our sole discretion.  We reserve the right to 
accept  or  reject  any  MTS  request  at  our  sole  discretion.    Each 
transmittal  amount  that  is  sent  to  your  Card  will  generally  be 
posted to your Card within two (2) Business Days after we receive 
the Transmittal Amount from the Sender. 

12.  Using  the  Card.    You  may  use  the  actual  Card,  Account 
number  and/or  PIN  to  make  transactions.    You  will  retain  the 
copies  of  the  transaction  slips  furnished  to  you  in  order  to  verify 
your monthly statement. 

13.  Returns  and  Adjustments.    Merchants  and  others  who 
honor the Card may give credit or 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 toward future purchases 
and  Cash  Advances,  or  if  it  is  one  dollar  or  more,  refund  it  on 
written request or automatically after six months. 

14. Using Visa Convenience Checks.  You may use your Visa 
Convenience Checks, if available, as you would use your Card to 
obtain a Cash  Advance or to make a purchase or payment.  Your 
Visa  Convenience  Checks  directly  access  your  Account.    All 
purchases, payments and Advances made with a Visa Convenience 
Check and paid by us are treated as Cash Advances hereunder and, 
except  as  otherwise  indicated,  are  subject  to  all  terms  of  this 
Agreement  pertaining  to  Cash  Advances  and  to  the  following 
additional terms: 

A.  No  Visa  Convenience  Check  may  be  used  to  make  a 

payment on your Account. 

B.  Only 

the  person  whose  name  appears  on  a  Visa 

Convenience Check may use them. 

C.  Visa  Convenience  Checks  must  be  written  in  U.S.  Dollars 
in an amount not less than $100. Visa Convenience Checks 
may not be certified. 

D.  We may return a Visa Convenience Check unpaid if there is 
not  enough  available  credit  on  your  Account  to  pay  it,  if 
your  Account  is  in  default,  or  if  your  Card  or  any  Visa 
Convenience Checks have been reported lost or stolen. 
E.  If  you  are  issued  checks  to  access  your  account  and  you 
stop payment on a check, your account will be charged $35 
for each stop payment. 

15.  Foreign  Transactions.    Purchases  and  Cash  Advances 
made in foreign countries and foreign currencies will be billed as a 
rate selected by Visa from the range of rates available in wholesale 

 
 
 
 
currency markets for the applicable central processing date, which 
rate  may  vary  from  the  rate  Visa  itself  receives,  or  the 
government-mandated  rate  in  effect  for  the  applicable  central 
processing  date;  in  each  instance,  plus  or  minus  any  adjustment 
determined by the Issuer.  The adjustment may show as a separate 
entry on your account. You may be blocked from using your card 
in any country with which the US has sanctions and or high fraud 
countries.. 

16. Merchant Disputes.  We are not responsible for the refusal 
of any merchant or financial institution to honor your Card, or Visa 
Convenience Checks. Except with respect to purchases made with 
a Visa Convenience Check, we are subject to claims and defenses 
(other  than  tort  claims)  arising  out  of  goods  or  services  you 
purchase with the Card only if you have made a good faith attempt, 
but have been unable to obtain satisfaction from the merchant, and: 
(a)  your  purchase  was  made  in  response  to  an  advertisement  we 
sent  or  participated  in  sending  to  you;  or  (b)  your  purchase  cost 
more  than  Fifty  Dollars  ($50)  and  was  made  from  a  merchant  in 
your  state  or  within  one  hundred  (100)  miles  of  your  home.  Any 
other disputes you must resolve directly with such merchant. 

17. Overdrafts.  You may use your Visa Account as part of the 
Business’  overdraft  protection  plan  for  SSCU  Checking  Account. 
Overdrafts  will  be  handled  in  accordance  with  our  overdraft 
procedures  as  stated  in  the  Membership  and  Share  Account 
Agreement  and  Disclosure  that  the  Business  received  when  the 
Account  was  opened  and/or  by  the  overdraft  protection  options 
signed with us. 

18.  Fees  and  Other  Charges.    The  following  fees  and  other 

charges will be added to your Account, as applicable: 

A. Annual Fee. None. 
B.  Late  Payment  Fee.    If  you  fail  to  pay  the  minimum 
payment  on  your  Account  within  ten  (10)  days  of  the 
disclosed due date, a late payment fee of up to $35 will be 
added to your Account. 

C.  Returned  Check  Fee.    If  a  check  or  share  draft  used  to 
make  a  payment  on  your  Account  is  returned  unpaid 
because  of  insufficient  funds  therefore,  or  for  any  other 
reason, you will be charged a fee of up to $35 for each item 
returned. 

D. Card Replacement Fee.  You will be charged $5 for each 

replacement Card that is issued to you for any reason. 

E. Cash Advance Fee.  You will be charged a transaction fee 
of  3%  of  the  Advance  Amount  for  each  Cash  Advance 
(minimum  $2,  maximum  $15).    You  will  be  charged  a 
transaction  fee  (minimum  $2,  maximum  $15)  equal  to  3% 
of the amount of each Visa Convenience Check paid by us 
and posted to your Account as a Cash Advance 

F.  Additional  Charges.    Whenever  we  are  requested  by  you 
or  any  other  person  not  connected  with us, to  conduct  any 
type  of research in connection with your  Account, we  will 
charge  you  a  fee  of  $12.50  per  half  hour  for  our  research 
time  and  $.15  for  each  page  of  copied  material  (except 
when the request is made in connection with a billing error 
made by us). 

G. Returned Statement Fee.  You will be charged $3 for each 

statement that is returned to us as undeliverable. 

H. Copies of VISA® Slips.  You will be charged $10 for each 

copy of a VISA slip that you request. 

I. Stop Payment on Check.  You will be charged $35 for each 
stop payment made on  your Visa Convenience Checks.   If 
the check is presented for payment you will be charged an 
additional $5. 

J.  Transaction  Fee for  Purchase  and  Cash  Advance  Made 
in  Foreign  Currency.  You  will  be  charged  3%  of  the 
amount  of  foreign  currency  transaction  after  conversion  to 
US dollars. 

K. Transaction Fee for Purchase and Cash Advance Made 
in  a  Foreign  Country  in  US  Currency.  You  will  be 
charged 3% of the amount of the transaction. 

L. Priority Card Fee.  $15.00 
19. Skip Payment Option.   We may allow  you, from time to 
time,  to  omit  a  monthly  payment.    We  will  notify  you  as  to  any 
month  in  which  the  option  is  available.    If  you  omit  a  payment, 
FINANCE CHARGES will accrue on your balance in accordance 
with this Agreement.  A skip payment does not extend the period 
within  which  the  Business  must  pay  the  New  Balance  Total  in 
order to completely avoid FINANCE CHARGES on purchases.  A 
minimum payment will be due in the month following the month 
in which you skip your payment. 

20. Effective Agreement.  This Agreement is a contract which 
applies to all transactions on your Account, even though the sales, 
Cash  Advances,  credits  or  other  slips  you  sign  or  receive,  may 
contain different terms.  We may amend this Agreement from time 
to time by sending you advance written notice as required by law. 
Your use of the Card, or Visa Convenience Check, thereafter will 
indicate your agreement to any such amendment.  To the extent the 
law permits, and as we indicate in our notice to you, amendments 
will  apply  to  your  existing  Account  balance  as  well  as  to  future 
transactions.    This  Agreement  shall  be  construed  in  accordance 
with the laws of the State of Ohio and relevant Federal Laws. 

21.  Security  Interest.  You  agree  that  the  Credit  Union  has  a 
security  interest  in  the  account  as  identified  in  the  Credit  Card 
Application.    Further,  the  Business  agrees  that  future  funds 
deposited  in  that  account  are  also  subject  to  the  Credit  Union’s 
security interest.  In no event shall the Credit Union take a security 
interest  in  Individual  Retirement  Accounts  or  other  accounts, 
which  it  is  forbidden  to  attach  by  law.    Collateral  securing  other 
loans with us may also secure this loan. 

22. Illegal use of Card.  Any financial service provided by the 
Credit  Union  may  only  be  used  for  any  transaction  permitted  by 
law.    You  agree  that  illegal  use  of  any  financial  service  will  be 
deemed  an  action  of  default  and/or  breach  of  contract  and  such 
service  and/or  other  related  services  may  be  terminated  at  the 
discretion of the Credit Union.  You agree not to use your card or 
allow your card to be used for any illegal transaction.  You further 
agree, should illegal use occur, to waive the right to sue the Credit 
Union  for  such  illegal  activity  directly  or  indirectly  related  to  it.  
You  also  agree  to  indemnify  and  hold  the  Credit  Union  harmless 
from  any  suits  or  other  legal  action  or  liability,  directly  or 
indirectly,  resulting  from  such  illegal  use.    Such  illegal  use 
includes  but  is  not  limited  to  gambling  and  any  withdrawal  of 
funds with the intent to conduct illegal activity. 

23.  Transfer  of  Account.  The  Business  cannot  transfer  or 
assign its account to any other person.  You agree not to use your 
card or allow your card to be used for any illegal transactions. 

YOUR BILLING RIGHTS  
KEEP THIS DOCUMENT FOR FUTURE USE 
This notice tells you about your rights and our responsibilities 

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. 

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 at: 

Seven Seventeen Credit Union, Inc. 
ATTN: VISA 
3181 Larchmont Ave. NE 
Warren, OH  44483-2498 

You may also contact us on the Web: www.sscu.net 
In your letter, give us the following information: 
  Account information:  Your name and Account Number 
  Dollar amount:  The dollar amount of the suspected error 
  Description  of  problem:    If  you  think  there  is  an  error  on 
your bill, describe what you believe is wrong and why you 
believe it is a mistake. 

You must contact us: 
  Within 60 days after the error appeared on your statement 
  At  least  3  business  days  before  an  automated  payment  is 
scheduled, if you want to stop payment on the amount you 
think is wrong. 

You  must  notify  us  of  any  potential  errors  in  writing  (or 
electronically).  You may call us, but if you do we are not required 
to  investigate  any  potential  errors  and  you  may  have  to  pay  the 
amount in question. 

WHAT  WILL  HAPPEN  AFTER  WE  RECEIVE  YOUR 

LETTER.  When we receive your letter, we must do two things: 

  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. 

  Within  90  days  of  receiving  your  letter,  we  must  either 
correct the error or explain to you why we believe the bill is 
correct. 
While we investigate whether or  not  there  has  been an 

error: 
  We  cannot try  to  collect  the  amount in question,  or  report 

you as delinquent on that amount. 

  The charge in question may remain on your statement, and 
we may continue to charge you interest on that amount 
  While you do not have to pay the amount in question, you 

are responsible for the remainder of your balance. 

  We can apply any unpaid amount against your credit limit. 
After  we  finish  our  investigation,  one  of  two  things  will 

happen: 

  If we made a mistake:  You will not have to pay the amount 
in  question  or  any  interest  or  other  fees  related  to  that 
amount. 

  If we do not believe there was a mistake:  You will have to 
pay  the  amount  in  question,  along  with  applicable  interest 
and fees.  We will send you a statement of the amount you 
owe and the date payment is due.  We may then report you 
as  delinquent  if  you  do  not  pay  the  amount  we  think  you 
owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is 
wrong, you must write to us within 10 days telling us that you still 
refuse  to  pay.    If  you  do  so,  we  cannot  report  you  as  delinquent 
without also reporting that you are questioning your bill.  We must 
tell  you  the  name  of  anyone  to  whom  we  reported  you  as 
delinquent,  and  we  must  let  those  organizations  know  when  the 
matter has been settled between us. 

YOUR RIGHTS IF YOU ARE DISSATISFIED 
WITH YOUR CREDIT CARD PURCHASES 

If  you  are  dissatisfied  with  the  goods  or  services  you  have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
1. The  purchase  must have  been  made in  your  home  state  or 
within  100  miles  of  your  current  mailing  address,  and  the 
purchase  price  must  have  been  more  than  $50.    (Note:  
Neither  of  these  are  necessary  if  your  purchase  was  based 
on  an  advertisement  we  mailed  to  you,  or  if  we  own  the 
company that sold you the goods or services.) 

2. You  must  have  used  your  credit  card  for  the  purchase.  
Purchases made with cash advances from an ATM or with 
a  check  that  accesses  your  credit  card  account  do  not 
qualify. 

3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied 

with the purchase, contact us in writing (or electronically) at: 

Seven Seventeen Credit Union, Inc. 
ATTN: VISA 
3181 Larchmont Ave. NE 
Warren, OH  44483-2498 
www.sscu.net 
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. 

The  Federal  Equal  Credit  Opportunity  Act  prohibits  creditors  from  discriminating 
against  any  aspect  of  a  credit  transaction  on  the  basis  of  race,  color,  religion,  national 
origin, sex, marital status or age (provided the applicant has the capacity to contract); or 
because all or part of the applicants’ income derives from any public assistance program; 
or because the applicant has in good faith exercised any right under the Consumer Credit 
Protection Act. 

3181 Larchmont Ave., NE 
Warren, Ohio 44483-2498 
330.372.8100 

www.sscu.net 

Visa Business Disc 01-17 
Rev: 01-13-17