creDiT cArD DisclosUre AND AGreemeNT 
Visa credit card Agreement 
Visa share secured credit card Agreement

In this Disclosure and Agreement “We, Us and Our” means USA Federal 
Credit Union and “Cardholder, You, Your and Yours” means the applicant 
and the joint applicant, if any, named issued as a result of Cardholder’s 
application, and where applicable, includes the utilization of the Credit 
Card plan by card, check, telephone, or otherwise. “Credit Card(s)” 
means VISA credit card and Visa Share Secured credit card as issued 
to the Cardholder by USA Federal Credit Union. 

Terms ApplicAble oNly To: 
Visa Credit Card

1. CASH ADVANCE TRANSACTION FEE: Cardholder may receive a Cash 
Advance against their Credit Card Line of Credit. We will assess, and 
Cardholder will pay, a one time per Cash Advance Fee equal to 2% of 
each amount advanced. 

2. FINANCE CHARGE: Refer to Addendum. 

3. CASH ADVANCES: FINANCE CHARGES will always be incurred on the 
Average Daily Principal Balance of Cash Advance at the periodic rate, 
refer to Addendum, from the date posted to your account until paid in 
full. FINANCE CHARGES which come after Statement Date will appear 
on your next Periodic Statement. 

4. SECURITY AGREEMENT: Cardholder and/or authorized users agree 
that should a required payment be missed, then the Credit Union may, 
at its discretion withdraw from any accounts standing in the name of 
the Cardholder and/or authorized user a sum sufficient to pay said 
amount due. 

Terms ApplicAble oNly To: 
Visa Share Secured Credit Card

1. ANNUAL FEE: We will assess, and Cardholder will pay, an annual 
fee not to exceed fifty dollars ($50.00) per Credit Card account for 
participation in our Credit Card plan. This Fee is subject to change with 
advance notice.

2.  CASH  ADVANCE  TRANSACTION  FEE:  Cardholders  may  receive  a 
Cash Advance up to 50% of their limit against their Credit Card Line of 
Credit. We will assess, and Cardholder will pay, a one time per Cash 
Advance Fee equal to 2% of each amount advanced.

3. FINANCE CHARGE: No FINANCE CHARGES on new purchases will 
be incurred if the total of purchases is paid in full by the PAYMENT 

DUE DATE appearing on the current statement. If not so paid, FINANCE 
CHARGES will be incurred from the Statement Date on the Average 
Daily  Principal  Balance  of  previously  billed  but  unpaid  purchases, 
and on new purchases from the date such purchases are posted to 
your account at a periodic rate of 0.04932% per day (18% ANNUAL 
PERCENTAGE RATE).

4. CASH ADVANCES: FINANCE CHARGES will always be incurred on 
the Average Daily Principal Balance of Cash Advance at a periodic rate 
of 0.0493% per day (18% ANNUAL PERCENTAGE RATE) from the date 
posted to your account until paid in full. FINANCE CHARGES that accrue 
after Statement Date will appear on your next Periodic Statement.

5. SECURITY AGREEMENT: As security for the repayment of any sums 
borrowed by the use of this Credit Card, I/we have signed a “Secured 
Credit Card Pledge Agreement” which is incorporated herein by this ref-
erence that pledges as collateral money held in accounts at the credit 
union. Cardholder and/or authorized users agree that should a required 
payment be missed, then the Credit Union may, at its discretion, with-
draw from any accounts standing in the name of the Cardholder and/or 
authorized user a sum sufficient to pay said amount due.

Terms ApplicAble To: 
Visa Credit Card 
Visa Share Secured Credit Card

The use of the Credit Card by Cardholder, or anyone authorized to use 
the Credit Card(s), is governed by the following terms and conditions.

1. OWNERSHIP: The Credit Card(s) remains the property of USA Federal 
Credit Union and may be cancelled by us at any time without notice, for 
any reason we may have. Cardholder, and all authorized users, agrees 
to surrender the Credit Card(s) and any other access devices, and to 
discontinue utilization of the Credit Card account by any other means 
immediately upon request. 

2. LIABILITY UNAUTHORIZED TRANSACTIONS: It’s important to know 
what to do in case your card is lost or stolen.

Member Liability

Notify the credit union AT ONCE if you believe your card and/or code 
has been lost or stolen at (858) 831-8100 or (800) 220-1872 during 
regular business hours, or (800) 682-6075 or (206) 352-3482 after 
regular business hours and on weekends.

Zero liability will apply only if:

Zero liability does not apply to ATM transactions, PIN transactions not 
processed by Visa. It applies to Visa processed signature transac-

tions. Individual provisional credit amounts are provided on a provi-
sional basis and may be withheld, delayed, limited, or rescinded by us 
based on factors such as gross negligence or fraud, delay in reporting 
unauthorized use, investigation and verification of claim and account 
standing and history. You must notify us immediately of any unauthor-
ized use. Transaction at issue must be posted to your account before 
provisional credit may be issued. For specific restrictions, limitations 
and other details please contact our Card Services Fraud Specialist - 
USA Fed Card Services at (800) 220-1872 or (858) 831-8100.  

If  we  determine  that  the  charges  were  appropriately  charged  to 
your  account, you  may  incur  a  Credit  Card  Chargeback fee. Refer 
to Addendum.

3. CREDIT LIMIT: Cardholder shall not incur credit in excess of amount 
specifically authorized by the assigned credit limit. We will assess, and 
Cardholder will pay, a minimum fee of ten dollars ($10.00) or 5% of the 
over-the-limit amount, whichever is greater, with a maximum fee of fifty 
dollars ($50.00) for any month in which the balance of Cardholder’s 
account on statement date exceeds the assigned credit limit, or such 
other penalty as determined by us, including possible revocation of 
Credit Card account without further notice from us. Consideration for 
removal of revocation of Credit Card account can be determined only 
when the Cardholder account balance owing is at least 20% below the 
assigned credit limit 

3A. DAILY MAXIMUM TRANSACTION LIMITS: 
  •   Credit card at ATM / Personal Identification  

Number (PIN based) transaction: 

  •  Credit card (signature based) transaction: 

         $510.00
         $10,000.00

You may on occasion be limited to a decreased transaction amount for 
security reasons and may also be limited on the number of transac-
tions performed on a given day whether or not you have reached your 
maximum transaction limit. Transaction dollar limits are per 24 hour 
period. This transaction limit is also based on the funds available on 
your credit card line of credit. 

4.  LATE  PAYMENT:  We  will  assess  and  Cardholder  will  pay,  a  Late 
Payment Charge when the Cardholder fails to make at least the mini-
mum monthly payment fifteen (15) days after the date payment is due, 
or such other charges as determined by us. Refer to Addendum.

5. NON-SUFFICIENT FUNDS CHARGE: We will assess, and Cardholder 
will  pay,  a  returned  check  charge  for  any  check,  or  other  form  of 
negotiable  instrument  in  payment  on  Cardholder’s  Credit  Card 
Account which is presented for payment and which is subsequently 
not paid, or such other returned check charge as determined by us. 
Refer to Addendum.

6.  COPIES  OF  DOCUMENTS:  If  Cardholder  requests  a  copy  of  any 
document for tax, record keeping, or similar purpose, we may charge 
for a draft copy. Cardholder is responsible for retention of Cardholder 
copies of sale drafts and cash advances issued at time of transaction. 
Statement copies are an additional fee. Refer to Addendum.

7. REPLACEMENT CARD FEE: If you request a replacement card for your 
account for any reason you will assess a fee. Refer to Addendum.

8. AUTOMATED TELLER MACHINES (ATMs): You may use your Credit 
Card to make cash withdrawals daily up to Five Hundred Ten dollars 
($510.00) of your available Credit Card Credit Limit. When the ATM 
Systems are not on line with the computer, cash withdrawals are auto-
matically limited to one hundred dollars ($100.00) within a 24-hour 
period. ATM withdrawals will debit your Credit Card account and will be 
billed just like a CASH ADVANCE. In addition to the 1% Cash Advance 
Transaction Fee of each amount advanced, the Cardholder may pay an 
additional ATM Fee per withdrawal. 

ATM ACCESS: You may make ATM Cash Advances from the following 
ATM Network:
  •  VISA Global Network

Transactions at these ATMs may be limited to the hours of operation 
posted on the ATM. 

Note: Your Credit Card will access your Credit Card Line of Credit. It will 
not access your Checking or Share Accounts. 

9.  PERSONAL  IDENTIFICATION  NUMBER  (PIN):  In  order  to  access 
an ATM, a Personal Identification Number (PIN) is required The PIN 
should be memorized - DO NOT WRITE IT ON YOUR CREDIT CARD. After 
memorizing , destroy any written record of your PIN. If you forget the 
PIN contact USA Federal Credit Union and a new PIN will be mailed 
to you. 

10. CUSTOM PRICING: The Credit Union reserves the right to periodi-
cally review your account for continued creditworthiness. If during this 
review period we determine that your creditworthiness has changed 
from the previous review period, we reserve the right to increase or 
decrease your ANNUAL PERCENTAGE RATE as per the addendum.

11. AVERAGE DAILY PRINCIPAL BALANCES: Average Daily Principal 
Balances are calculated separately by dividing the total of outstand-
ing  daily balances of  purchases and  cash  advances,  minus  unpaid 
FINANCE CHARGES, by the number of days in the Statement period. 

12. PAYMENTS: Minimum payments will be applied as of the date of 
receipt in the following order to: 
A) Previously billed and unpaid FINANCE CHARGES

B) Over-the-limit and/or Late Payment Charges
C) Previously Billed Purchases
D) Cash Advances
E)  New Purchases, whether or not billed, except that any payment 

equal to, or greater than, the previous balance of purchases will be 
applied first to that balance and any FINANCE CHARGES there on. 

We will apply amounts in EXCESS of the minimum payment amount 
FIRST to the card balance with the highest rate of interest until the 
excess payment amount has been depleted. 

Monthly payments on the Total New Balance shall be the greater of 
$25, or 2% of the Total New Balance, for any Total New Balance of 
$25 or more. Total New Balance of less than $25 is payable in full. 
Monthly payments are due on the date specified on the statement. In 
the event that Cardholder exceeds the account credit limit as set forth 
in paragraph 3 hereof, Cardholder will be required to pay the minimum 
payment due on the account, plus the amount in excess of Cardholder’s 
current credit limit. The amount in excess of the Cardholder’s current 
credit limit is due and payable immediately. 

Note: Credit Memos issued by merchants are not regarded as pay-
ments and will not satisfy the monthly payment due unless the Credit 
Memo  clears  the  balance  owing  in  full  and  is  received  by  current 
Payment Due Date. 

13. ENTIRE BALANCE DUE: All obligations shall become immediately 
due without notice at our option in the event of 1) the death, insolvency 
or failure to pay this obligation or any other obligation of Cardholder to 
USA Federal Credit Union 2) the institution of garnishment or attach-
ment proceeding involving Cardholder or 3) any breach or default of 
this Agreement. 

14. IRREGULAR PAYMENT: We can accept late payments, partial pay-
ments, drafts, checks or money orders marked “payment in full” without 
losing any of our rights under this Agreement.

15. WAIVER, DELAY IN ENFORCEMENT: We may also delay enforcing 
any of our rights under this Agreement at any time without affecting any 
of our other rights under this Agreement. We may also delay enforcing 
our rights under this Agreement without losing any of our rights under 
this Agreement. 

16. DELINQUENCY: When an account is thirty (30) or more days past 
due, it is considered delinquent. A delinquent account will be temporar-
ily blocked to prevent further usage, and the rate will be increased as 
described in paragraph 15. This block can be removed by Cardholder’s 
immediate payment of delinquent amount, and Cardholder’s verbal or 
written request to remove block. When any account is ninety (90) or 

NoTiFy Us iN cAse oF errors or QUesTioNs AboUT 
yoUr bill

speciAl rUles For creDiT cArD pUrcHAses

CREDIT CARD 
DISCLOSURE 
AND 
AGREEMENT
Effective October 1, 2010

If you have a problem with the quality of property or services that you 
purchase with a Credit Card(s) and you have tried in good faith to cor-
rect 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: 1) 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 2) The purchase price must have been 
more than fifty dollars ($50.00). 

These limitations do not apply if we own or operate the merchant, or if 
we made you the advertisement for the property or services. 

Note: We reserve the right to amend the terms of this Agreement includ-
ing, but not limited to, the charges identified herein. Such amendments 
shall be as we may from time to time determine and as shall be per-
mitted by law upon thirty (30) days prior written notice. Any amended 
fee, charge, FINANCE CHARGE, applications of payment, minimum pay-
ment, amount of payment percentage will be applicable to existing 
balances as well as future balances. 

Please refer to Addendum for additional information. 

When you use your card in a transaction outside of the United States 
to make a purchase, obtain a cash advance, obtain a credit voucher, 
or reverse any of these transactions, an additional Visa International 
Service Assessment (ISA) fee equal to 1.5 percent of the converted 
transaction amount will be assessed on the transaction and will be 
debited from your account.

more days past due, it will be revoked to prevent all further usage. 
Removal of this revocation can be considered only when the Cardholder 
has corrected the delinquent condition and upon Cardholder’s submis-
sion of a Credit Card Application. Removal of revocation then depends 
on the credit decision rendered. 

17.  COLLECTION  COSTS:  Cardholder  agrees  to  pay  all  reasonable 
expenses,  including  attorneys  fees  and  court  costs,  which  we  may 
incur in collecting any amounts owed by Cardholder, in retrieving the 
Credit Card(s) used for the account or in enforcing the provisions of this 
Agreement (whether or not a lawsuit is filed). The ANNUAL PERCENTAGE 
RATE (APR) set forth in this Disclosure shall continue to apply to the 
principal outstanding after default. 

18.  PRIVACY  WAIVER:  When  the  Credit  Card  Account  is  in  default, 
Cardholder authorizes USA Federal Credit Union to contact and receive 
from any person, including but not limited to Cardholder’s employer, 
state and federal agencies or branches thereof and various depart-
ments and commands of the Department of Defense, any information 
deemed necessary to secure or collect said default. Said authoriza-
tion constitutes, but is not limited to, a waiver as to the information 
required by Cardholder’s rights as provided by any state or federal 
privacy statutes. 

19. REFUSAL TO ACCEPT CARD(S): We will not be responsible for 
the refusal of  any merchant  or  other person to recognize or honor 
the Card(s). 

20.  CHANGE  OF  NAME,  ADDRESS,  OR  EMPLOYMENT:  Cardholder 
agrees to notify us in writing immediately of any changes of cardholders 
name, address, or place of employment. The Credit Union's obligation is 
to send the monthly Credit Card Statement to the most current address 
we have on file. If you have not received your monthly statement by the 
usual time, contact us and we will investigate. REMEMBER, at least a 
MINIMUM MONTHLY PAYMENT is due each month, whether you receive 
a statement or not. Cardholder is also responsible for the retention of 
monthly statements for record keeping purposes. Failure to do so will 
result in fees for statement copies as set forth in Paragraph 6 hereof. 

21. FOREIGN TRANSACTIONS: When you use your card for a transac-
tion denominated in a currency other than U.S. dollars, the transaction 
amount will be converted into U.S. dollars by applying an exchange rate 
selected by VISA from among the range of rates available in wholesale 
currency markets or the government-mandated rate on the date the 
transaction is processed. The rate chosen may vary from the rate VISA 
itself receives plus any adjustment we determine. As a benefit to our 
members, we will not adjust this rate to protect our cardholders from 
additional fees that result from this exchange rate increase for currency 
conversion transactions.

If you think your bill is wrong, or if you need more information about a 
transaction on your bill, write us (on a sheet separate from your state-
ment) at USA Federal Credit Union, Attn: Card Services Department, 
P.O. Box 26339, San Diego, CA 92196-0339. Write to us as soon as 
possible. We must hear from you no later than 60 days after we sent 
you the first bill on which the error or problem appeared. 

You can telephone us for information, but doing so will not preserve 
your rights, or start the dispute process. In your letter, give us the fol-
lowing information: 
  •  Your name and account number 
  •  All billing information 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. 

We must acknowledge your letter within thirty (30) days, unless we 
have corrected the error by 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 obliged 
to pay the parts of your bill that are not in question. If we find that the 
billing was a mistake, you will not have to pay any finance charges 
related to any questioned amount. 

If we find that the billing was not a mistake, you will have to pay finance 
charges, and you will have to make up any missed payments in the 
questioned amount. In either case, we will send you a statement of the 
amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and 
you write to us within ten days telling us that you still refuse to pay, we 
must tell anyone we report to that you have a question 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. 

In the event that we do not fulfill this agreement, we must forgive the 
first fifty dollars ($50.00) of the questioned amount even if your bill 
was correct. 

CCDAds1009 

International Headquarters 
P.O. Box 26339 
San Diego, CA 92196-0339 
(858) 831-8100 
(800) 220-1872 
www.usafed.org

 
CREDIT CARD 
DISCLOSURE AND AGREEMENT 
ADDENDUM 

FINANCE CHARGE:  No Finance Charge on purchases will be incurred if 
the total of purchases is paid in full by the PAYMENT DUE DATE appear-
ing on the current statement.  If not so paid, FINANCE CHARGES will 
be  incurred  from  the  Statement  Date  on  the  Average  Daily  Principal 
Balance  of  previously  billed  but  unpaid  purchases,  and  on  new  pur-
chases from the date such purchases are posted on your account at 
one of the following rates:

CUSTOM  
PRICING

DAILY  
PERIODIC RATE

ANNUAL  
PERCENTAGE RATE

VISA PLATINUM

A+

A

B

C

D

E

.02603%

.02726%

.03274%

.04096%

.04932%

.04932%

VISA SHARE SECURED

A+ thru E

.04932%

9.75%
9.95%
11.95%
14.95%
18.00%
18.00%

18.00%

For  new  credit  card  accounts,  the  Cardholder  will  have  been  notified 
of their exact corresponding rate in writing prior to the receipt of their 
card.  For existing credit card accounts, the Cardholder will be notified 
of their new exact corresponding rate on their statement 30 days before 
the effective date.

Please see reverse for Fees and Charges.

FEES AND CHARGES
Effective  June  1,  2010

Additional Card (i.e. Authorized User) 

Annual Fee (Share Secured VISA) 

     $10.00

$50.00

Cash Advance 

2% of Advanced Amount

Credit Card Chargeback (per occurrence) 

Credit Card Sales Slip/Draft Copy 

$15.00 

$12.00 

Inactivity (0 Balance, no activity for 6 months)                       $10.00 

Late Payment 

                 $30.00 

Rewards Credit Card (Annual Fee)   
    (Fee waived if cardholder purchase >$5,000 in last 12 months. 

     $25.00

   Effective 1/1/11)

Non-Activation of card within 60 days of issuance 

     $10.00

Non-Sufficient Funds 
     Payment by Check 
     Reversal of Automatic Payment 

PIN - Reissue (Multiple Customization) 

Re-mail of Returned Card 

Replacement Card 

Returned Visa Statement 

Statement Copy 

$25.00  
$20.00 

       $5.00

     $10.00

$10.00 

       $5.00

$5.00

Credit/Debit Card Special Handling (Expedite) Fee                   Varies

Credit/Debit Card International Service Assessment Fee (ISA)-   

Up to 1.5% of Transaction Amount               

FotoCard  

       $9.95 set up Fee

International Headquarters
P.O. Box 26339
San Diego, CA  92196-0339
(858) 831-8100
(800) 220-1USA 
www.usafedcu.org

CCDAan1004 

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