GOLD MASTERCARD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT 

TINKER FEDERAL CREDIT UNION – GOLD MASTERCARD 

M-112612 (10/14) 

Interest Rates and Interest Charges 
ANNUAL PERCENTAGE 

RATE (APR) for Purchases  3.99% introductory rate on purchases for 6 months from date of account 

opening; thereafter, the APR is set by your credit rating at the time of account 
opening.* 

Rate 1 – 8.50%        Rate 2 – 9.50%      Rate 3 – 10.50% 

Please refer to the card carrier for the APR on your account.  This APR will vary 
with the market based on the Prime Rate.   

APR for Balance Transfers 

Rate 1 – 8.50%        Rate 2 – 9.50%      Rate 3 – 10.50% 

Balance transfer APR: The current program APR which will be set by your credit 
rating at the time of account opening.*  Please refer to the card carrier for the APR 
on your account.  This APR will vary with the market based on the Prime Rate.    

APR for Cash Advances 

Rate 1 – 8.50%        Rate 2 – 9.50%      Rate 3 – 10.50% 

Cash advance APR: The current program APR which will be set by your credit 
rating at the time of account opening.*  Please refer to the card carrier for the APR 
on your account.  This APR will vary with the market based on the Prime Rate.   

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 
Set-Up and Maintenance 
Fees 

● Annual Fee 
Transaction Fees 

● Balance Transfer Fee 

● Cash Advance Fee 

None. 

None. 

None. 

● Foreign Transaction 

1% of each transaction in U.S. dollars. 

Penalty Fees 

● Late Payment 

● Return Check Fee: 

Other Fees 

● Statement Copy 

● Ticket Copy 

Up to $22  - If your minimum monthly payment is not received by us on the due 
date on your monthly statement, we may impose a late fee of up to $22 which will 
be reflected on the following monthly statement.  

Up to $20  - The Credit Union may charge a return check fee for each return by a 
bank or other depository institution of a dishonored check, negotiable order of 
withdrawal or share draft issued by cardholder(s) as payment on the credit card 
account. 

$2  - the Credit Union may charge a $2.00 fee for each duplicate copy of requested 
monthly billing statement(s). 

The Credit Union may charge for each duplicate copy of requested sales slip(s).  
However, if the request for a duplicate copy of a sales slip is in connection with 
any disputed billing matter, (see “YOUR BILLING RIGHTS”), a fee will not be 
imposed. 
$25  - Travel and Entertainment documents 
$6  -   Original sales slip on valid charges 
$5  -   Photocopy of sales slip on valid charges 

● Card Replacement Fee 

$13  - the Credit Union may charge for each credit card that is reissued prior to the 
current cards expiration date. 

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How We Will Calculate Your Balance:  We use a method called “Average Daily Balance (including new 
purchases).”  See the INTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for 
more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is included in 
this cardholder agreement under the YOUR BILLING RIGHTS section. 

*The credit score ranges are as follows: Rate 1 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659) 

Your account must be open to receive a Year-End Purchase Summary and to use other program benefits. 

DEFINITIONS 
Except as the context otherwise requires (a) “Account(s)” means my Gold MasterCard credit card account 
established with Tinker Federal Credit Union and governed by this Agreement; (b) “Issuer” and/or “Credit 
Union” means Tinker Federal Credit Union of P.O. Box 45750, Tinker Air Force Base, Oklahoma 73145; 
(c) “I,” “Me,” “We,” “My,” “Our,” “Mine,” “Us,” “You,” “Your,” and  “Cardholder(s)” mean all persons 
who have signed the application for the Gold MasterCard and/or used or permitted others to use the card; 
(d) the “Card” or “Cards” means the Gold MasterCard card(s) enclosed herewith; (e) “Agreement” means 
this document; (f) “Cash Advance” means all cash advances obtained at any time through the use of the 
card from any financial institution authorized to honor the cards; (g) “Credit Limit” means the dollar 
amount Credit Union approved against which I may borrow in accordance with this Agreement; (h) 
“Application” means the credit application I/We filled out and signed which is incorporated herein and 
made a part of this Agreement; (I) “Prime Rate” means the rate published daily in The Wall Street 
Journal  under the caption “Money Rates” and described as the base rate on corporate loans at large United 
States money center commercial banks.  If the “Prime Rate” so published is a range, the “Prime Rate” will 
mean the highest of the published range.  

AGREEMENT TO EXTEND CREDIT 
Credit Union agrees to extend credit to cardholder and advance amounts, up to the cardholder’s credit limit, 
to pay for: (i) all purchases of goods and services of whatever type and nature made at any time through the 
use of the card at businesses authorized to honor a card, and (ii) all cash advances obtained at any time 
through the use of the card from any financial institution or ATM authorized to honor a card.   

PROMISE TO PAY AND PERSONS LIABLE 

By signing the application, retaining, and/or using the card(s) or allowing an authorized party to use the 
card(s), I/We promise to pay to Credit Union, or anyone Credit Union designates, all amounts loaned under 
the Agreement plus the applicable interest charges, attorney’s fees, court cases or other amounts that I/We 
owe Credit Union. If more than one person applies for the card(s), each person will be issued a Card and 
will be a cardholder under this Agreement.  The cardholder whose name appears first on the application 
will be considered the “Primary Cardholder.”  The cardholder will be responsible for all purchases, cash 
advances, and all interest charges imposed under this Agreement.  If there is more than one cardholder for 
the account, each cardholder will be liable for all amount payable on the account regardless of which 
cardholder is responsible for incurring such amounts.  Each cardholder will also be responsible for 
complying with all of the other terms of this Agreement. 

CREDIT LIMIT 
The Credit Union has established an initial credit limit for the cardholder’s account(s) and reserves the right 
at any time, at cardholder’s request or otherwise, to change the amount of credit available through 
cardholder’s Gold MasterCard account(s). Cardholder agrees not to incur charges or to permit others to 
incur charges, that would result in credit in excess of cardholder’s authorized amount.  The Credit Union 
does not allow over-the-limit charges as a term of this product.  If the credit limit should be exceeded, for 
any reason, even inadvertently, cardholder agrees to pay the amount over limit immediately upon notice 
from Credit Union.  Examples of inadvertent excess of credit limit include, but are not limited to, returned 
payments and merchant authorizations. 

INTEREST CHARGE CALCULATION METHODS 

The interest charge calculation method applicable to your account for cash advances and credit purchases 
of goods and services that you obtain through the use or your card is explained below.  Calculation Method 
A is used to determine the interest charge on cash advances. Calculation Method G is used to determine the 
interest charge on purchases of goods or services.   

Method A—The interest charge on cash advances begins to accrue on the date you obtain the cash advance 
or the first day of the billing cycle in which it is posted to your account, whichever is later.  The interest 
charges for a billing cycle are computed by applying the daily periodic rate to the average daily balance 
multiplied by the number of days in the billing cycle OR the monthly periodic rate to the average daily 
balance during the billing cycle, which is determined by dividing the sum of the daily balances during the 
billing cycle by the number of days in the cycle.  Each daily balance is determined by adding to the 
previous balance (the outstanding balance of your account at the beginning of the billing cycle) any new 
credit purchases posted to your account and any new cash advances received, and subtracting any payments 
as received or credits as posted to your account, but excluding any unpaid interest charges. 

Method G—The interest charge on credit purchases begins to accrue on the date each purchase is posted to 
your account.  To avoid incurring an interest charge on the balance of credit purchases reflected on your 
monthly statement and on any new credit purchases appearing on your next statement, you must pay the 
new balance shown on your monthly statement on or before the payment due date.  The interest charges for 
a billing cycle are computed by applying the daily periodic rate to the average daily balance multiplied by 
the number of days in the billing cycle OR the monthly periodic rate to the average daily balance of credit 
purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the 
number of days in the cycle.  Each daily balance is determined by adding to the previous balance of credit 

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purchases, any new credit purchases posted to your account and subtracting any payments as received and 
credits as posted to your account, but excluding any unpaid interest charges. 

VARIABLE RATE DISCLOSURE 
The Annual Percentage Rate is initially determined by your credit rating.  I understand that the monthly 
periodic rates and the Annual Percentage Rates are variable rates that may change from time to time.  The 
current rates are disclosed on the insert the Credit Union has furnished to me based on my credit score at 
the time of account opening.  My Annual Percentage Rate (APR) may change (increase or decrease) from 
time to time based on movements in the Prime Rate, published in The Wall Street Journal on the 25th 
calendar day prior to the beginning of each calendar quarter.  If this date falls on a weekend or holiday, the 
published rate on the next business day will be utilized.  My new rate will not become effective until after 
the end of my current billing cycle in which movement of the Prime Rate dictates a change to the annual 
percentage rate currently in effect.    

Rate 1 – If I receive Rate 1, the APR will be determined by adding 5.25% to the Prime Rate. 
Rate 2 – If I receive Rate 2, the APR will be determined by adding 6.25% to the Prime Rate. 
Rate 3 – If I receive Rate 3, the APR will be determined by adding 7.25% to the Prime Rate.  

The periodic rate will be adjusted after the end of my current billing cycle in each calendar quarter in which 
movement of the Prime Rate dictates a change.  Calendar quarters begin January 1, April 1, July 1, and 
October 1 of each year.  I understand that my monthly periodic rate will be 1/12th of the applicable APR.  If 
there is an increase in the Prime Rate, my minimum monthly payment may also increase.  Likewise, if the 
Prime Rate decreases, my minimum monthly payment may also decrease.  However, in no event will the 
Annual Percentage Rate exceed 18.0%, (which corresponds to a monthly periodic rate of 1.5%). 

MONTHLY PAYMENTS 
Cardholders agree to pay monthly on or before the “Payment Due Date” either (i) the total “New Balance” 
which includes any of the previous unpaid balances, purchases, cash advances, payments and credits, or (ii) 
at least the “Minimum Payment” required, which is the greater of $15.00 or 3% of the outstanding “New 
Balance” as shown on the monthly statement.  Payment “Due Date”  on statement is 25 days from 
statement’s “Closing Date.”  The amounts paid as part of the Minimum Payment and all amounts paid over 
the Minimum Payment are applied to balances as permitted by law.  We do not charge interest on interest. 

All payments shall be considered made when received on any business day (excluding federal holidays), 
when received at Tinker Federal Credit Union’s billing address: P.O. Box 45750, Tinker AFB, OK 73145, 
and when accompanied by the return portion of the cardholder statement 

LIABILITY FOR UNAUTHORIZED USE— LOST OR STOLEN CARDS 

Effective October 17, 2014, zero liability will apply to all unauthorized credit card transactions.  
Cardholders will not be held responsible for unauthorized transactions if cardholder exercises reasonable 
care in safeguarding the card from loss or theft and cardholder promptly reports loss or theft to the Credit 
Union. If these conditions are not met and you suspect that you have an unauthorized transaction on your 
card, you must contact us within 2 days of discovery to limit your liability to $500. Until October 17, 2014, 
if you reported a loss within 2 days of discovery, your liability was limited to $50 on non-PIN-based 
transactions. If an unauthorized transaction is not reported within 60 days of when the unauthorized 
transaction was reported on a periodic statement, your liability is unlimited. The Credit Union must be 
notified of loss, theft, or possible unauthorized use of the card by notification in person, by calling (405) 
319-2273 or (800) 456-4828 ext. 2273, or by writing to the Credit Union at P.O. Box 45750, Tinker AFB, 
Oklahoma 73145, Attn: Credit Card Department. 

Cardholder agrees to pay all reasonable costs of collection including reasonable attorney’s fees not in 
excess of fifteen percent (15%) of the unpaid debt, court costs, and other lawful charges incurred by the 
Credit Union in collecting the Cardholder’s indebtedness, whether or not suit is brought. 

ATTORNEY’S FEES 

DISCLAIMER OF LIABILITY 

The Credit Union shall not be responsible if a merchant or financial institution shall refuse to honor any 
card.  Refusal to honor shall not affect or impair the obligation of cardholder to pay all sums due on an 
account in accordance with the terms hereof.  Notices hereunder shall be effective only if given in writing 
to Credit Union at its office and to cardholder at my last known mailing address, as shown on Credit 
Union’s records.  

OWNERSHIP OF CREDIT CARDS 
Card(s) shall at all times remain the property of the Credit Union; the cardholder agrees to surrender them 
upon demand.  The Credit Union may revoke the credit cards and cancel my line of credit if issuer 
reasonably believes prospects of repayment are impaired, then the unpaid balance becomes immediately 
due and payable at once and my line of credit is cancelled.  If Credit Union revokes the credit cards and 
cancels the credit line, this does not affect cardholder’s obligations to repay the Credit Union.  Cardholder 
may cancel account by written notice and return of the cut cards to the Credit Union’s Credit Card 
Department. 

AMENDMENT 
I agree that the terms of the Agreement are applicable to any cardholder. I also agree that the Credit Union 
may change the terms of the Agreement at any time with written notice required by law before the change 
becomes effective.  Any changes to the Agreement may apply to all outstanding indebtedness incurred 
before, on, or after the effective date of the changes.  Cardholder’s failure to terminate the account prior to 
the effective date of an Amendment shall constitute acceptance of such Amendment.  To terminate the 
account, all credit cards must be returned to Tinker Federal Credit Union Credit Card Department and the 
cardholder will be required to pay the account in accordance with the terms of the Cardholder Agreement 
and Disclosure Statement. 

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CHOICE OF LAW 

I acknowledge and understand that the obligations under this Agreement represented by charges to my 
account(s) were contracted for and became binding when the sales drafts, card slips or other credit devices 
were accepted by the Credit Union and caused the holder of the same to be paid, and this occurred in 
Oklahoma County, and the courts of Oklahoma County shall have venue to try controversies arising out of 
this agreement.  If any portion of the Agreement is determined to be unenforceable, it will not make any 
other part unenforceable. 

IRREGULAR PAYMENT: DELAY IN ENFORCEMENT 

The Credit Union can accept late payments, partial payments, checks and money orders marked “Paid in 
Full” or language having the same effect without losing any of the cardholder’s rights under this 
Agreement.  The Credit Union can also delay enforcing our rights under this Agreement any number of 
times without losing them.  The fact that the Credit Union may honor a purchase or cash advance in excess 
of the credit limit does not obligate the Credit Union to do so thereafter.   

I will be in default under this Plan and Agreement if any of the following events shall occur:  
(a)  If I fail to comply with the minimum payment or any other terms or conditions of this Agreement I 

EVENTS OF DEFAULT 

may have with you; 

(b)  If I should die or become insolvent; 
(c)  If a petition should be filed or other proceeding should be started under the Federal Bankruptcy Code 

or any State insolvency Statute by or against me; 

(d)  If a receiver should be appointed or a writ or order of attachment, levy or garnishment should be issued 

against me or any of my property, assets or income;  

(e)  If Credit Union should consider itself or any debts due under this Agreement unsafe or not completely 
secure or if Credit Union should believe, in good faith, that the chances of my paying or performing all 
of my obligations under this Agreement have been impaired; or 

(f)  If anything in the application or use of this card is misrepresented or used for any fraudulent purchase. 

ENTIRE BALANCE DUE 
If any of the above events of default should occur, my entire outstanding balance shall immediately become 
due and payable, without Credit Union notifying me, with interest due on the balance at the applicable 
APR as provided herein per year until paid, and Credit Union’s obligations to honor my use of the card to 
get credit extensions from anyone or to make further advances to me shall, at Credit Union’s option, and 
without notice, immediately end.  If I fail to pay the outstanding balance immediately, on Credit Union’s 
demand, I agree to pay all of Credit Union’s collection expenses, including Credit Union’s reasonable 
attorney’s fees. 

MASTERCARD CURRENCY CONVERSION AND CROSS-BORDER TRANSACTIONS 

On all international purchases, credit vouchers, and cash disbursements (which would include credit 
purchase and cash advances), i.e. all transactions where a merchant country differs from the country of the 
card issuer (1) the foreign exchange rate which will be charged will be a rate selected by MasterCard from 
the range of rates available in wholesale currency markets for the applicable processing date (which may 
vary from the rate MasterCard itself receives) or the government mandated rate in effect for the applicable 
central processing date and (2) in addition, a one percent (1%) International Service Assessment (ISA) fee 
will be charged.  

If you effect a transaction with your card in a currency other than US Dollars, MasterCard will convert the 
charge into a US Dollar amount.  The MasterCard currency conversion procedure includes use of either a 
government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard.  The exchange 
rate MasterCard uses will be a rate in effect on the day the transaction is processed.  This rate may differ 
from the rate in effect on the date of purchase or the date the transaction was posted to your account. 

Effective June 9, 2014, MasterCard charges Tinker Federal Credit Union a Currency Conversion 
Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion.  In addition, 
MasterCard Charges Tinker Federal Credit Union an Issuer Cross-Border Assessment of 90 basis points 
(.9% of the transaction) on all cross-border transactions regardless of whether there is a currency 
conversion.  As a result, Tinker Federal Credit Union will charge you a corresponding fee as disclosed 
above.  The Cross-Border Transaction Fee is charged on all cross-border transactions regardless of whether 
there is a currency conversion.  A cross-border transaction is a transaction processed through the Global 
Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is 
different than the country of the cardholder.  

ILLEGAL TRANSACTIONS 

A credit card may not be used for an illegal transaction.  Certain transactions are prohibited from being 
processed through your account with the Credit Union under the Unlawful Internet Gambling Enforcement 
Act of 2006 (“the Act”) and related regulations issued by the Board of Governors of the Federal Reserve 
System and the United States Department of the Treasury (“Regulation GG”).  The Credit Union is 
required by the Act and Regulation GG to inform you of this restriction. 

The transactions which are prohibited are the following transactions or transmittals involving any credit, 
funds, instrument, or proceeds that the Act prohibits any person engaged in the business of betting or 
wagering (except for the activities of a financial transaction provider, or any interactive computer service or 
telecommunications service) from knowingly accepting, in connection with the participation of another 
person in unlawful Internet gambling: 

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■ Credit, or the proceeds of credit, extended to or on behalf of such person (including credit extended 
through the use of a credit card); 
■ An electronic fund transfer, or funds transmitted by or through a money transmitting business, or the 
proceeds of an electronic fund transfer or money transmitting service, from or on behalf of such other 
person; and 
■ Any check, draft, or similar instrument that is drawn by or on behalf of such other person and is drawn on 
or payable at or through any financial institution. 

Internet gambling will generally be deemed to be unlawful unless it is expressly authorized by license 
issued by an appropriate State or Tribal authority. 

CREDIT INVESTIGATION 
Since Credit Union has the sole right to approve my application and allow me to use the card(s) now and in 
the future, I authorize Credit Union at any time to make or have made whatever credit investigation Credit 
Union feels is proper to evaluate my credit, personal or financial standing and /or employment, and I 
authorize Credit Union to share my credit experience with credit bureaus.  I also agree to furnish Credit 
Union current financial statements in such details as Credit Union may require on an annual basis and more 
frequently at Credit Union’s request. 

For the purpose of the following sections only, “You”/”Your” means all persons who have signed the 
application for Gold MasterCard and used or permitted others to use the card; and “Us”/”We” means 
Tinker Federal Credit Union of PO Box 45750, Tinker Air Force Base, Oklahoma 73145. 

YOUR PERSONAL IDENTIFICATION NUMBER 

Within the next few days, you will be receiving a Personal Identification Number (PIN).  This personal 
identification number is being assigned to your account to allow you access to ever-expanding networks of 
automated teller machines (ATMs) in this area, across the country, and overseas.  Because each ATM is 
slightly different, simply insert your card in the slot and follow the directions that will appear on the screen.  
Some important directions will come with the identification number, and we ask that you follow those 
instructions carefully to protect your card from unauthorized use.   

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 at Tinker Federal Credit Union, P.O. Box 
45750, Tinker AFB, Oklahoma 73145, Attn: Credit Card Department. 

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.  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 
payment is due.  We may then report you as delinquent if you do not pay the amount we think you 
owe. 

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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 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 that access 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: 

Tinker Federal Credit Union 
P.O. Box 45750 
Tinker AFB, OK  73145 
Attn: Credit Card Department 

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 any amount and you do not 
pay, we may report you as delinquent.   

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