Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and 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 use 
at: 

NAPUS Federal Credit Union 
12 Herbert St. 
Alexandria, VA 22305 

In your letter, give us the following information: 

Your name and account number 
The dollar amount of the suspected error 
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 error 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. 

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 the 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. 

If we do not follow all 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 
process. 

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 the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at 
NAPUS Federal Credit Union 
12 Herbert St. 
Alexandria, VA 22305 

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 own an amount and you do not pay, we may report 
you as delinquent. 

Revised 04/12           ID#BB38 

NAPUS Federal Credit Union 
Credit Card Agreement 

Notice:  See inside for important information regarding 
your rights to dispute billing errors. 

By signing or using this card, you acknowledge receipt of, 
and agree to be bound by, the issuer’s terms and conditions. 
In this agreement, the words you and your mean each and 
all of those who apply for the credit card or who sign this 
Agreement.  We, us, and ours mean NAPUS Federal Credit 
Union and/or its subsidiaries or assignees. Card means the 
VISA credit card and any duplicates and renewals we issue.  
Account means your VISA Credit Card Line of Credit 
account with us.   

1. Responsibility.  If we issue you a card, you agree to 
repay all debts and finance charges arising from the use of 
the card and the card account(s).  You are responsible for 
charges made by yourself, your spouse, and minor children.  
You are also responsible for charges made by anyone else 
to whom you give the card and any permitted user, and this 
responsibility continues until the card is recovered.  You 
cannot disclaim responsibility by notifying us, but we will 
close the account for new transactions if you so request and 
you return all cards. Your obligation to pay the account 
balance continues even though an agreement, divorce 
decree, or other court judgment to which we are not a party 
may direct you or one of the other persons responsible to 
pay the account. Any person using the card is jointly 
responsible with you for charges he or she makes, but if that 
person signs the card he or she becomes a party to this 
Agreement and is also jointly responsible for all charges on 
the account, including yours. 

2. Lost Card Notification.  If you believe the Card has been 
lost or stolen, you should immediately call the Credit Union 
at 800-336-0284 during regular business hours or call the 
lost/stolen number at 800-682-6075 after hours and advise 
the representative of the loss so no further transactions can 
be approved on your card.  You may also report a lost/stolen 
card online at www.reportmycards.com. 

3. Liability for Unauthorized Use.  If you notice the loss or 
theft of your credit card or a possible unauthorized use of 
your card, you should write to us immediately at NAPUS 
FCU, 12 Herbert St., Alexandria, VA 22305 or call us at 
(800) 336-0284.  You will not be liable of any unauthorized 
use that occurs after you notify us.  You may, however, be 
liable for unauthorized use that occurs before your notice to 
us.  In any case, your liability will not exceed $50.00. 

4. Credit Line.  If we approve your application, we will establish 
a self-replenishing Line of Credit (also referred to as Credit Line) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
for you and notify you of its amount when we issue the card.  
You agree not to let the account balance exceed this approved 
Credit Line.  Each payment you make on the account will restore 
your Credit Line by the amount of the payment which is applied 
to principal. You may request an increase in your credit line by 
written or verbal application to us, which must be approved by 
our credit committee or a loan officer. By giving us your written 
notice our credit committee may reduce your Credit Line from 
time to time, or with good cause, revoke your card and terminate 
the Agreement. Good cause includes your failure to comply with 
this agreement, or our adverse reevaluation of your credit -
worthiness.  You may also terminate this Agreement at any time, 
but termination by either you or us does not affect your obligation 
to pay the account balance.  The cards remain our property and 
you must recover and surrender to us all cards upon our request 
and upon termination of this Agreement. 

5. Credit Information.  You authorize us to investigate your 
credit standing and obtain your credit report when opening, 
renewing, or reviewing your account, and you authorize us to 
disclose information regarding your account to credit 
bureaus and other creditors who inquire of us about your 
credit standing, to the extent authorized by law. 

6. Monthly payments.  We will mail you a statement every 
month showing your Previous Balances of purchases and 
cash advances, the current transactions on your account, 
the remaining credit available under your Credit Line, the 
New Balances of purchases and cash advances, the Total 
New Balance, the FINANCE CHARGE due to date, and the 
Minimum Payment required.  Every month you must pay at 
least the Minimum Payment within 25 days of your statement 
closing date. You may of course, pay more frequently, pay 
more than the Minimum Payment, or pay the Total New 
Balance in full, and you will reduce the FINANCE CHARGE 
by doing so.  The Minimum Payment will be either [a] 2% of 
your Total New Balance, or $25, whichever is greater, or [b] 
your Total New Balance, if it is less than $25 plus [c] any 
portion of the Minimum Payment(s) shown on prior 
statement(s) which remains unpaid.  If any amount is Past 
Due, that amount must be paid in addition to your minimum 
monthly payment. In addition, at any time your Total New 
Balance exceeds your Credit Line, you must pay the amount 
that is over the credit limit in addition to the minimum 
monthly payment, if the amount over your credit limit in not 
paid prior to your statement cutoff date an Over-the-limit Fee 
will apply. We reserve the right to determine the order of 
allocation for all payments. 

7. Finance Charges.  You can avoid FINANCE CHARGE 
(interest) on purchases by paying the full amount of the New 
Balance of Purchases each month within 25 days of your 
statement closing date.  Otherwise, the New Balance of 
Purchases, and subsequent purchases from date they are 
posted to your account will be subject to FINANCE CHARGE 
from the date they are posted to your account.  FINANCE 
CHARGE on purchases is calculated on the average daily 
balances of purchases in the account.  FINANCE CHARGE on 

cash advances is calculated on the average daily balance of 
cash advances in the account.* 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 you make and credits 
we apply, and increased by purchases and cash advances you 
make 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.  

*For current rates, refer to your monthly statement or call the 
Credit Union at 1-800-336-0284. 

the rate VISA itself receives, or the government-mandated 
rate in effect for the central processing date.  

12. Plan Merchant Disputes.  We are not responsible for the 
refusal of any plan merchant or financial institution to honor your 
card.  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 plan merchant and: [a] your 
purchase was made in response to an advertisement we sent or 
participated in sending you; or [b] your purchase cost more than 
$50 and was made from a plan merchant in your state 
or within 100 miles of your home.  You must resolve any 
other disputes directly with the plan merchant. 

8. Default.  You will be in default if you fail to make any 
Minimum Payment within 25 days after your monthly 
statement closing date.  You will also be in default if your 
ability to repay us is materially reduced by a change in your 
employment, an increase in your obligations, bankruptcy or 
insolvency proceedings involving you, your death or your 
failure to abide by this Agreement, or if the value of our 
security interest materially declines.  We have the right to 
demand immediate payment of your full account balance if 
you default, subject to our giving you any notice required by 
law.  To the extent permitted by law, you will also be 
required to pay our collection expenses, including court 
costs and reasonable attorneys’ fees. 

9. Using the Card.  To make a purchase or cash advance, 
present the card to a participating VISA plan merchant, to us 
or to another financial institution, and sign the sales or cash 
advance draft which will be imprinted with your card.  The 
monthly statement will identify the merchant or financial 
institution at which transactions are made, but sales, cash 
advance, credit or other slips cannot be returned with the 
statement.  You will retain the copy of such slips furnished at 
the time of the transaction in order to verify the monthly 
statement. The Credit Union may make a reasonable charge 
for photocopies of slips you may request.  

10. Returns and Adjustments.  Merchants and others who 
honor the Card may give credit for 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 
against future purchases and cash advances, or refund it on 
your written request if it is $1 or more. 

11. Foreign Transactions.  Purchases and cash advances 
made in foreign countries and foreign currencies will be 
billed to you in U.S. Dollars.  Effective April 2, 2005, the 
exchange rate between the transaction currency and the 
billing currency used for processing international 
transactions is 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 

13. Security Interest.  To secure your account, you grant us 
a purchase money security interest under the Uniform 
Commercial Code in any goods you purchase through the 
account.  If you default, we will have the right to recover any 
of these goods which have not been paid off through our 
application of your payments in the manner described, in 
paragraph 6.  You also pledge, as security for what you owe, 
all present and future shares and/or deposits in your 
individual and joint credit union accounts.  The credit union 
has the right to apply all your present and future shares 
and/or deposits toward the amount you owe if you are in 
default.  Share and/or deposits in an Individual Retirement 
Account or Keogh Plan Account are not subject to any right 
of setoff to your pledge of shares and/or deposits. All 
collateral securing one loan will secure any and all of your 
indebtedness or obligations (with the exception of loans 
secured by real estate) to the Credit Union, which includes 
debts incurred by credit cards and all existing and hereafter 
created loans.  

14. Replacement cards: There may be a fee for 
replacement cards unless they are reported lost or stolen.  

15. For Fee and Rate information please refer to the 
insert. 

Effect of Agreement.  This agreement is the contract which 
applies to all transactions on your account even though the 
sales, cash advance, credit or other slips you sign may 
contain different terms.  We may amend this Agreement 
from time to time by sending you the advance written notice 
required by law.  Your use of the card thereafter will indicate 
your agreement to the amendments.  To the extent the law 
permits, and we indicate in our notice, amendments will 
apply to your existing account balance as well as to future 
transactions.