NOTICE: See reverse side for important information regarding your rights to dispute billing errors.
In this Agreement, the words  you and your  mean the person or persons who use or authorize the use of, or who sign an application for, a Christian Community Credit Union VISA/MasterCard. Card  means 
the Christian Community Credit Union VISA/MasterCard and any duplicates and renewals the Credit Union issues to you. Account  means your VISA/MasterCard line of credit account with the Credit Union.  
Credit Union  means Christian Community Credit Union.
1. Using the Account.  If your application for a VISA/MasterCard account is approved, the 
Christian Community Credit Union will establish a line of credit for you and notify you of its amount 
when the card is sent to you. Y ou agree not to let your account balance exceed your approved credit 
limit. Each payment you make on the account will restore your credit limit by the amount of the payment 
which is applied to the principal amount of purchases and cash advances. Y ou may request an increase 
in your credit limit only by written application submitted to the Credit Union. The Credit Union has the 
right to reduce or terminate your credit limit at any time.
2. Using the Card.  Y ou may use your card to purchase goods and services in person, online, and 
by mail or telephone from merchants and others who accept VISA/MasterCard credit cards. In addition, 
you may obtain cash advances up to $1,000 of your approved and available credit limit from the Credit 
Union, from other financial institutions or select merchants participating in the VISA/MasterCard program 
and from automated teller machines (A TMs), such as VISA/MasterCard A TM Network, that provide access 
to the VISA/MasterCard system. (Not all merchants or A TMs provide such access.) Y ou will need to use 
your Personal Identification Number (PIN) to obtain a cash advance from an A TM.
3. Illegal Use of VISA/MasterCard Credit Card.  Y ou agree that your VISA/MasterCard 
Credit Card Account will not be used to make or facilitate any transaction(s) that are or might be construed 
to be illegal pursuant to applicable law, rule or ordinance, including but not limited to gambling. Said 
use, including any such authorized use, will constitute an event of default under this Agreement. Y ou 
agree that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by 
you or any authorized user(s). Y ou agree that you are responsible for repayment of any and all debts 
incurred for these transactions. Y ou further agree to indemnify and hold the Credit Union harmless from 
any suits, liability, damages or adverse action of any kind that results directly or indirectly from such 
illegal use.
4. Responsibility.  Y ou agree to pay all charges (purchases and cash advances) to your account 
made by you or anyone who you authorize to use your account. Y ou also agree to pay all other charges 
added to your account, pursuant to Paragraph 7. Y our obligation to pay the amount owed on your account 
continues until paid in full even though an agreement, divorce decree or other court judgment to which 
the Credit Union is not a party may direct someone else to pay the account balance. If more than one 
person signs this Agreement, each is individually responsible for all amounts owed on the account and 
all are jointly responsible for all amounts owed. This means the Credit Union can enforce this Agreement 
against any of you individually or all of you collectively.
5. Finance Charges.  In order to avoid a  FINANCE CHARGE  on purchases made since 
your last statement date, you must pay the T otal New Balance shown on your statement within 25 days 
of the statement closing date. Otherwise the FINANCE CHARGE  on purchases is calculated 
from the beginning of the next statement period on previously billed but unpaid purchases and on new 
purchases from the date they are posted to your account. Cash advances and balance transfers are 
always subject to a FINANCE CHARGE from the date they are posted to your account.
We figure the FINANCE CHARGE  on your account by applying the periodic rate to the ��average 
daily balance�� of your account. T o get the ��average daily balance�� we take the beginning balance of 
your account each day, add any new purchases, and cash advances, and subtract any unpaid other 
finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This 
gives us the ��average daily balance.�
VISA S IgnAture  rewArdS , VISA r ewArdS  And world  MASter CArd 
rewArdS  ACCountS
Y our VISA Signature Rewards, VISA Rewards  and World MasterCard Rewards 
Accounts  will be subject to a FINANCE CHARGE  (interest) at an ANNUAL PERCENTAGE 
RAT E and a corresponding Monthly Periodic Rate  which will be a standard variable 
(floating) rate based upon an index plus a margin. The margin applicable to your account will 
be determined by your creditworthiness. The ANNUAL PERCENTAGE RATE  and the 
corresponding Monthly Periodic Rate  will apply to purchases, cash advances and 
balance transfers.  
Index
The Index is Prime Rate (�Index�). Information about this Index is published in the Money Rates T able 
of the Wall Street Journal .  
Rate Changes
The ANNUAL PERCENTAGE RATE  may change on the first (1st) day of each billing cycle. 
These are known as rate change dates. The Index value used for a given billing cycle will be the 
value published on first (1st) business day before the change date or the most recently published value 
published before the change date. If more than one rate is published, the Index will be the highest of 
the rates published. If the Index ceases to be published, the Credit Union will choose a new Index and 
give you notice of its choice.
Determination of Annual Percentage Rate
The Credit Union will add a margin ranging from 7.65%  to 13.65% , depending on your credit score, 
to the Index to get the ANNUAL PERCENTAGE RATE  applicable to your Account for the billing 
cycle.  Notification of the margin for which you have been approved will be provided on the VISA Signature 
Rewards, VISA Rewards and World MasterCard Rewards Accounts Approval Letter sent to you upon 
completion of the credit review and approval.  
ANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the 
corresponding Monthly Periodic Rate  for the billing cycle. An increase or decrease in the Prime 
Rate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE and the 
corresponding  Monthly Periodic Rate  applicable to your Account.  Limitations on Changes
There is no limit on the amount by which the rate changes in any one-year period. The maximum 
ANNUAL PERCENTAGE RATE  that can apply is 18.00% . 
Annual Percentage Rate Example
Based upon a margin of 7.65% (your margin may be different depending on your credit score) plus 
an Index value of 3.50% , (which was the value of the Index on May 1, 2016 ), your Account would 
be subject to a FINANCE CHARGE  (interest) at an ANNUAL PERCENTAGE RATE  of 
11.15% , with a corresponding Monthly Periodic Rate of 0.929% . 
On the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL 
PERCENTAGE RATE  and the corresponding Monthly Periodic Rate  will be calculated 
according to the formula described above and will be stated on our VISA Signature Rewards, VISA 
Rewards and World MasterCard Rewards Accounts Approval Letter.
VISA B uSIneSS  rewArdS  ACCount
Y our VISA  Business Rewards Account will be subject to a FINANCE CHARGE  (interest) 
at an ANNUAL PERCENTAGE RATE  and a corresponding Monthly Periodic Rate  
which will be a standard variable (floating) rate based upon an index plus a margin of 7.65% . The 
ANNUAL PERCENTAGE RATE  and the corresponding Monthly Periodic Rate  will 
apply to purchases, cash advances and balance transfers.
Index
The Index is Prime Rate (�Index�). Information about this Index is published in the Money Rates T able 
of the Wall Street Journal.  
Rate Changes
The ANNUAL PERCENTAGE RATE  may change on the first (1st) day of each billing cycle. 
These are known as rate change dates. The Index value used for a given billing cycle will be the 
value published on first (1st) business day before the change date or the most recently published value 
published before the change date. If more than one rate is published, the Index will be the highest of 
the rates published. If the Index ceases to be published, the Credit Union will choose a new Index and 
give you notice of its choice.  
On the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL 
PERCENTAGE RATE  and the corresponding Monthly Periodic Rate  will be calculated 
according to the formula described below and will be stated on our VISA Business Rewards Approval Letter.
Determination of Annual Percentage Rate
The Credit Union will add a margin of 7.65%  to the Index to get the ANNUAL PERCENTAGE 
RATE  applicable to your Account for the billing cycle.  Based upon an Index value of 3.50% , (which was 
the value of the Index on May 1, 2016 ), your Account would be subject to a FINANCE CHARGE  
(interest) at an ANNUAL PERCENTAGE RATE  of 11.15% , with a corresponding 
Monthly Periodic Rate of 0.929% . 
ANNUAL PERCENTAGE RATE  for the billing cycle will be divided by twelve (12) to get the 
corresponding Monthly Periodic Rate  for the billing cycle. An increase or decrease in the 
Prime Rate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE  and the 
corresponding Monthly Periodic Rate applicable to your Account.  
Limitations on Changes
There is no limit on the amount by which the rate changes in any one-year period. The maximum 
ANNUAL PERCENTAGE RATE  that can apply is 18.00% . 
6. Change in Terms; Changing or Terminating Your Account. The Credit Union 
may change the terms of this Agreement, including your ANNUAL PERCENTAGE RATE , from 
time to time for any reason not inconsistent with applicable law after giving you any advance notice 
required by law. Y our use of the card after receiving notice of a change will indicate your agreement to 
the change. T o the extent the law permits, and except as otherwise indicated in the notice to you, the 
change will apply to your existing account balance as well as to future transactions. Either the Credit 
Union or any one of you may terminate this Agreement at any time, but termination by you or the Credit 
Union will not affect your obligation to pay the account balance plus any finance and other charges you 
owe under this Agreement. The cards you receive remain the property of the Credit Union and you must 
recover and surrender to the Credit Union all cards upon request or upon termination of this Agreement 
whether by you or the Credit Union.
7. Other Charges . The following Other Charges will be added to your account, as applicable:
� If you are a credit card member only with no other relationship with Christian Community Credit 
Union, a one-time non-refundable membership fee of $25.00 will be charged to your credit card account.
� CASH ADVANCE FEE (FINANCE CHARGE): Y ou will be charged a cash advance fee of 2% of 
the amount advanced with a $5.00 minimum.
� COPIES: If you request a copy of any document, we may charge your account $5.00 per copy 
requested. If your request is related to a billing error and an error is found, we will credit any copying 
charges to your account.
� LA TE P AYMENT FEE: We reserve the right to charge a late payment fee of up to $15.00 to your 
account each billing period that the minimum monthly payment is not received by 15 days after due date.
� RETURNED P AYMENT FEE: A fee of up to $25.00 will be assessed for each card payment that 
is returned to the Credit Union.
� EXPRESS CARD/PIN ORDER: A fee of $40.00 will be assessed if you request express delivery 
of your card or personal identification number (PIN).         �/MasterCard �
CREDIT CARD AGREEMENT
255 N. Lone Hill Ave. San Dimas, CA 91773  
� 2000-2016 Simply Legal - All Rights Reserved 
CU Store  # 7018e                                                          REV. 03/04/16  PTD 05/2016 � PIN REPLACEMENT FEE: A fee of $5.00 will be assessed if your PIN needs to be replaced.
� MINIMUM FINANCE CHARGE: The minimum Finance Charge that may be assessed is $1.00.
� CARD REPLACEMENT FEE: A fee of $10.00 will be assessed if your card needs to be replaced 
due to damage, loss, or theft.
� BALANCE TRANSFER FEE (FINANCE CHARGE): Y ou will be charged a balance transfer fee of 
2% of the amount transferred with a $5.00 minimum.
8. Monthly Payment.  Each month you must pay at least the minimum payment shown on your 
statement by the Payment Due Date shown. Y ou may, of course, pay more frequently, pay more than the 
minimum payment, or pay the T otal New Balance in full. If you make extra payments or larger payments, 
you are still required to make at least the minimum payment each month your account has a balance. The 
minimum payment is 3% of your T otal New Balance but not less than $10.00, plus the amount of any prior 
minimum payments that you have not paid. In addition, if at any time your T otal New Balance exceeds your 
credit limit, you must immediately pay the excess upon demand. Subject to applicable law, your payments 
will be applied to what you owe the Credit Union in any manner the Credit Union chooses.
9. Default.  Y ou will be in default if you fail to make any minimum payment or other required 
payment by the date that it is due. Y ou will be in default if you break any promise you make under 
this Agreement. Y ou will be in default if you die, file for bankruptcy or become insolvent, that is, 
unable to pay your obligations when they become due. Y ou will be in default if you make any false 
or misleading statements in any credit application or credit update. Y ou will also be in default if 
something happens that the Credit Union believes may substantially reduce your ability to repay 
what you owe. When you are in default, the Credit Union has the right to immediately terminate this 
Agreement and require repayment of your outstanding account balance plus any finance and other 
charges you owe under this Agreement. At the Credit Union�s discretion, any shares that were given 
as security may be applied towards what you owe. T o the extent permitted by law, you will also be 
required to pay the Credit Union�s collection expenses, including court costs and attorneys� fees.
10. 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 255 N. Lone Hill 
Avenue, San Dimas, CA 91773, or call us at (800) 449-7728. 
Y ou will not be liable for any unauthorized use that occurs after you notify us. Y ou may, however, 
be liable for unauthorized use that occurs before your notice to us. In any case, your liability will 
not exceed $50.
11. Liability for Unauthorized Use of Your VISA Credit Card . If there is an unauthorized 
use of your consumer VISA Credit Card or a Plus network or Interlink transaction, and the transaction 
takes place on the VISA network, then your liability will be zero ($0.00). This provision limiting your 
liability does not apply to VISA Business Rewards cards or VISA Purchasing Card T ransactions, 
A TM cash disbursements processed on non-VISA or non-Plus networks, or non-VISA PIN-less debit 
transactions. Additionally, your liability with respect to unauthorized transactions may be greater than 
the above zero ($0.00) liability limit, to the extent allowed under applicable law, if the credit union 
reasonably determines, based on substantial evidence, that you were grossly negligent or fraudulent 
in the handling of your account or card.
12.  Liability for Unauthorized Use of your MasterCard. If there is an unauthorized use of your MasterCard 
Credit Card then your liability will be zero ($0.00) so long as you have exercised reasonable care in 
safeguarding your card from risk of loss or theft and upon becoming aware, you have promptly reported 
the loss or theft to the Credit Union. If you cannot meet these requirements then your liability with 
respect to unauthorized transactions may be greater than the above zero ($0.00) liability limit, to the 
extent allowed under applicable law. In any case, to minimize your potential liability you should notify us 
promptly of any unauthorized use, but no later than sixty (60) days after your statement was mailed to 
you. This provision limiting your liability does not apply to MasterCard commercial cards.13. Credit Information.  Y ou authorize the Credit Union to investigate your credit standing when 
opening or reviewing your account. Y ou authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. Pursuant to state law, 
you are hereby notified that a negative credit report reflecting on your credit record may be submitted to 
a credit reporting agency if you fail to fulfill the terms of your credit obligations.
14. Returns and Adjustments. Merchants and others who honor the card may give credit for 
returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted 
to your account. If your credits and payments exceed what you owe the Credit Union, the amount will 
be applied against future purchases and cash advances. If the amount is $1 or more, it will be refunded 
upon your written request or automatically after six months.
15. Foreign Transactions.  Purchases and cash advances made in foreign currencies will 
be billed to you in U.S. dollars. T ransactions processed outside of the United States or in a foreign 
currency may be charged a foreign transaction fee, regardless of whether there is a currency conversion 
associated with the transaction. The conversion rate in dollars will be a rate selected by VISA from a 
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 a one percentage point (1.0%) fee 
charged by the Issuer.
16. MasterCard Cross-Border Transactions.  Purchases and cash advances made in 
foreign currencies will be billed to you in U.S. dollars. If a cross-border transaction on a U.S.-issued 
credit card is submitted to MasterCard in the currency of the country of the merchant, MasterCard will 
convert the transaction to the cardholder�s billing currency using its currency conversion procedure. 
MasterCard uses either a government mandated exchange rate, or a wholesale exchange rate selected 
by MasterCard. The government-mandated exchange rate or wholesale exchange rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day 
the transaction is processed, which may differ from that applicable to the date the transaction occurred 
or when it is posted to your account. Added to your cross-border transaction are a MasterCard Issuer 
cross-border assessment of eight-tenths of one percent (.8%) and currency conversion assessment of 
two-tenths of one percent (.2%).
17. Merchant Disputes.  The Credit Union is not responsible for the refusal of any merchant 
or financial institution to honor the card. The Credit Union is subject to claims and defenses (other 
than tort claims) arising out of goods or services you purchase with the card if you have made a good 
faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and 
(a) your purchase was made in response to an advertisement the Credit Union sent or participated 
in sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100 
miles of your home.
18. Effect of Agreement. This Agreement is the contract which applies to all transactions on your 
account even though the sales, cash advances, credit or other slips you sign or receive may contain 
different terms.
19. No Waiver.  The Credit Union can delay enforcing any of its rights any number of times without 
losing them.
20. Statements and Notices.  Y ou will receive a statement each month showing transactions on 
your account. Statements and notices will be mailed to you at the most recent address you have given 
the Credit Union. Notice sent to any one of you will be considered notice to all. Y ou agree to promptly 
notify the Credit Union if you change your mailing address.
21. Transfer of Account.  Y ou cannot transfer or assign your account to any other person.
22. Governing Law. This Agreement and your account shall be governed by California law without 
regard to any conflict of law rules.
This notice contains important information 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: Christian Community Credit Union, 
255 N. Lone Hill Avenue, San Dimas, CA 91773. 
In your letter, give us the following information:
�  Account information: Y our 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.
Y ou 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.
Y ou must notify us of any potential error in writing. Y ou 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:  Y ou 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:  Y ou 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.
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.
T o 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. Y ou must have used your credit card for the purchase. Purchases made with cash advances 
from an A TM or with a check that accesses your credit card account do not qualify.
3. Y ou 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: 
Christian Community Credit Union, 255 N. Lone Hill Avenue, San Dimas, CA 91773. 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.YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE