VISA CREDIT CARD AGREEMENT 

In this Agreement the words "you" and "your" mean each and all of those who agree to be 
bound by this Agreement; "Card" means the VISA credit card and any duplicates, renewals, 
or substitutions the Credit Union issues to you; "Account" means your VISA credit card line of 
credit account with the Credit Union, and "Credit Union" means the Credit Union whose name 
appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 

1. Using Your Account. If you are approved for an Account, the Credit Union will establish 
a line of credit for you and notify you of your credit limit. You agree that your credit limit is the 
maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other  charges")  that 
you will have outstanding on your Account at any time. If you are over your credit limit, you 
must pay the amount you are over before payments will begin to restore your credit limit. You 
may request an increase in your credit limit only by a method acceptable to the Credit Union. 
The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or 
terminate your Account at any time for any reason not prohibited by law. 

2. Using Your Card. You may use your Card to make purchases from merchants and others 
who accept VISA Cards. However, you may not use your Card to initiate any type of electronic 
gambling  transaction  through  the  Internet.  A  VISA  card  may  not  be  used  for  any  illegal 
transaction(s). Consult your legal counsel to determine the legality of specific online gambling 
transactions. If you wish to pay for goods or services over the Internet, you may be required 
to  provide  card  member  security  information  before  you  will  be  permitted  to  complete  the 
transaction. In addition, you may obtain cash advances from the Credit Union and from other 
financial  institutions  that  accept  VISA  Cards,  and  from  some  automated  teller  machines 
(ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an ATM, you must 
use the Personal Identification Number (PIN) that is issued to you for use with your Card. 

3.  Responsibility.  You  agree  to  pay  all  charges  (purchases  and  cash  advances)  to  your 
Account that are made by you or anyone whom you authorize to use your Account. You also 
agree to pay all finance charges and other charges added to your Account under the terms of 
this Agreement or another agreement you made with the Credit Union. If this is a joint Account, 
Section 17 below also applies to your Account. 

4. Finance Charges. FINANCE CHARGES on your Account are calculated by applying the 
applicable  monthly  Periodic  Rate  to  the  average  daily  balances  for  Purchases  and  Cash 
Advances.    Separate  average  daily  balances  are  calculated  for  Purchases  and  Cash 
Advances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE 
for Purchases, Balance Transfers and Cash Advances are as set forth in the Account Opening 
Disclosure provided to you at the time of the delivery of this Agreement, the terms of which 
are incorporated herein by reference. 

To get each average daily balance, the daily balances for Purchases and Cash Advances for 
the billing cycle are added and the totals are divided by the number of days in the cycle.  To 
get  the  daily  balance  for  Cash  Advances,  new  Cash  Advances  are  added  to  the  day's 
beginning balance and payments, credits and any unpaid interest or other finance charges 
are  subtracted.    To  get  the  daily  balance  for  Purchases,  new  Purchases  are  added  to  the 
day's  beginning  balance  and  payments,  credits  and  any  unpaid  interest  or  other  finance 
charges are subtracted; however, new Purchases are not added if you paid the entire New 
Balance for Purchases on your last statement by the end of the grace period or if you did not 
have a Purchase balance on your last statement.  

Cash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance 
with the following method: A Finance charge will be imposed on Cash Advances from the date 
made or from the first day in which the Cash Advance is posted to your account, whichever 
is later, and will continue to accrue on the average daily balance of such Cash Advances until 
the balance is paid in full. There is no grace period on Cash Advances. 

Purchases  -The  FINANCE  CHARGE  on  Purchases  is  calculated  in  accordance  with  the 
following method: A FINANCE CHARGE will be imposed on Purchases only if you elect not 
to pay the entire New Balance shown on your monthly statement for the previous billing cycle 
within twenty five (25) days from the closing date of that statement.  

If  you  elect  to  pay  less  than  the  entire  New  Balance  shown  on  your  previous  monthly 
statement within that twenty five (25) day period, a Finance Charge will be imposed on the 
average daily balance of such Purchases from the previous statement closing date and on 
new Purchases from the date of posting to your account during the current billing cycle, and 
will continue to accrue until the closing date of the previous statement closing date and on 
new Purchases from the date of posting to your account during the current billing cycle, and 
will continue to accrue until the closing date of the billing cycle preceding the date on which 
the entire New Balance is paid in full or until the date of payment if more than twenty five (25) 
days from the closing date. 

Balance Transfers – Balance transfers, as permitted by Credit Union from time to time in 
Credit  Union’s  sole  discretion,  will  be  treated  as  Cash  Advances  for  the  purpose  of  all 
FINANCE CHARGES. 

5.  Other  Charges.  The  following  other  charges  (fees)  will  be  added  to  your  Account,  as 
applicable: 

a. Over-the-Credit-Limit Fee: An over-the-limit fee will not be imposed.  In the event you 
incur charges in amounts which shall cause the account indebtedness to exceed the 
authorized credit limit by 1%, you shall pay immediately the amount by which the total 
New Balance exceeds such maximum authorized credit. 

b.  Late  Payment  Fee:  If  a  payment  of  at  least  the  amount  of  the  minimum  required       
payment is not received within five (5) days of the Due Date or cycle whichever comes 
first, a late charge in the amount of $25.00 shall be imposed.  In no event will your Late 
Payment Fee exceed the amount of your minimum payment due. 

c. Return Check /Return Pre-Authorized Payments Fee: If you make any payment on 
your  Account  with  a  check  or  draft  or  through  a  pre-authorized  payment,  and  that 
check, draft or pre-authorized payment is returned to the Credit Union unpaid for any 
reason, your Account will be charged a fee equal to the lesser of $25 or the required 
minimum  payment.    In  no  event  will  your  Return  Check/Return  Pre-Authorized 
Payments Fee exceed the amount of your minimum payment due immediately prior to 
the date on which the payment was returned. 

d. Card Replacement Fee: In the event any additional or replacement cards are issued 
for any reason other than the issuance of a renewal card, a fee in the amount of $5.00 
may be imposed. 

e. Collection Costs: Cardholder agrees to pay all costs incurred by issuer in collecting 
cardholder’s  indebtedness  or  in  enforcing  this  Agreement,  including  attorneys’  fees 
and costs, as well as those costs, expenses and attorneys’ fees incurred in appellate, 
bankruptcy, and post-judgment proceedings, except to the extent such costs, fees, or 
expenses are prohibited by law. 

f.  Balance Consolidation/Convenience Check Stop Payment Fee: $25.00. 
g. Rush Mail Fee: (Priority Handling) $25.00. 
h. Cash Advance Transaction Fee:  A cash advance transaction fee will not be imposed.   

6.  Payments.  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your 
statement by the date specified on the statement or no later than twenty-five (25) days from 
the statement closing date, whichever is later. If your statement says the payment is "Now 
Due," your payment is due no later than twenty-five (25) days from the statement closing date. 
You may pay more frequently, pay more than the minimum payment or pay the Total New 
Balance in full. If you make extra or larger payments, you are still required to make at least 
the minimum payment each month your Account has a balance (other than a credit balance). 
The minimum payment is 2% of your Total New Balance, or $10.00, whichever is greater, 
plus the amount of any prior minimum payments that you have not made, and any amount 
you  are  over  your  credit  limit.  The  Credit  Union  also  has  the  right  to  demand  immediate 
payment of any amount by which you are over your credit limit. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                 
7. Payment Allocation. Subject to applicable law, your payments may be applied to what 
you owe the Credit Union in any manner the Credit Union chooses.   

8.  Security  Interest  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform 
Commercial Code and under any common law rights the Credit Union may have in any goods 
You purchase. If You give the Credit Union a specific pledge of shares by signing a separate 
pledge  of  shares,  Your  pledged  shares  will  secure  Your  Account.  You  may  not  withdraw 
amounts that have been specifically pledged to secure Your Account until the Credit Union 
agrees  to  release  all  or  part  of  the  pledged  amount.  YOU  GRANT  US  A  SECURITY 
INTEREST IN ALL INDIVIDUAL AND JOINT SHARE AND/OR DEPOSIT ACCOUNTS YOU 
HAVE  WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  YOUR  CREDIT  CARD 
ACCOUNT.  SHARES  AND  DEPOSITS  IN  AN  IRA  OR  ANY  OTHER  ACCOUNT  THAT 
WOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL LAW IF GIVEN 
AS SECURITY ARE NOT SUBJECT TO THE SECURITY INTEREST YOU HAVE GIVEN IN 
YOUR  SHARES  AND  DEPOSITS.  YOU  MAY  WITHDRAW  THESE  OTHER  SHARES 
UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US 
TO  APPLY  THE  BALANCE  IN  THESE  ACCOUNTS  TO  ANY  AMOUNTS  DUE.  FOR 
EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY 
USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. 
YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING 
ANY  PERIODS  WHEN  YOU  ARE  A  COVERED  BORROWER  UNDER  THE  MILITARY 
LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, 
AND  YOUR  PLEDGE  WILL  APPLY,  IF:  (I)  YOU  ESTABLISHED  YOUR  CREDIT  CARD 
ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO 
BE  A  COVERED  BORROWER.  Unless  otherwise  prohibited  by  federal  and/or  state  law, 
collateral  securing  other  loans  You  have  with  the  Credit  Union  may  also  secure  this  loan, 
except that a dwelling will never be considered as security for this Account, notwithstanding 
anything to the contrary in any other Agreement 

9. Default. You will be in default if you fail to make any minimum payment or other required 
payment by the date that it is due. You will be in default if you break any promise you make 
under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, 
that is, unable to pay your obligations when they become due. You will be in default if you 
make any false or misleading statements in any credit application or credit update. You 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 demand immediate payment of your 
full Account balance without giving you notice. If immediate payment is demanded, you agree 
to continue paying finance charges, at the periodic rate charged before default, until what you 
owe  has  been  paid,  and  any  shares  that  were  given  as  security  for  your  Account  may  be 
applied towards what you owe. 

In the event that any suit is filed against the Credit Union with respect to this Agreement, or 
any credit card issued under this Agreement, the suit shall only be brought in the courts of 
the state of Florida. 

10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us 
immediately, orally or in writing at P.O. Box 11904, Tampa, FL 33680 or telephone (800) 645-
7728 twenty four (24) hours a day, seven (7) days a week, of the loss, theft, or unauthorized 
use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You 
will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or 
possible unauthorized use. You will have no liability for unauthorized purchases made with 
your credit card, unless you are grossly negligent in the handling of your card. In any case, 
your liability will not exceed $50. 

11. Changing or Terminating Your Account. The Credit Union may change the terms of 
this  Agreement  from  time  to  time.  Notice  of  any  change  will  be  given  in  accordance  with 
applicable law. If permitted by law and specified in the notice to you, the change will apply to 
your existing Account balance as well as to future transactions. 

Either you or the Credit Union 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. You are also responsible for all 
transactions  made  to  your  Account  after  termination,  unless  the  transactions  were 
unauthorized.  

The Card or 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. If and to the extent permitted by applicable 
law, the Credit Union has the right to require you to pay your full Account balance at any time 
after your Account is terminated, whether it is terminated by you or the Credit Union. If this is 
a joint Account, Section 17 of this Agreement also applies to termination of the account. 

12. Credit Information. You authorize the Credit Union to investigate your credit standing 
when  opening  or  reviewing  your  Account.  You  authorize  the  Credit  Union  to  disclose 
information regarding your Account to credit bureaus and creditors who inquire about your 
credit  standing.  If  your  account  is  eligible  for  emergency  cash  and/or  emergency  card 
replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the 
requested services(s). 

13. Merchant Disputes: Returns and Adjustments. The Credit Union is not responsible for 
the refusal of any merchant or financial institution to honor your Card.  Merchants and others 
who honor your 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 credit balance amount is $1 or more, it will be refunded upon your 
written request or automatically after three (3) months. 

14. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer 
additional services to your Account, such as travel accident insurance, at no additional cost 
to you. You understand that the Credit Union is not obligated to offer such services and may 
withdraw or change them at any time. 

15.  Foreign  Transactions.  Transactions  initiated  in  foreign  countries  and/or  foreign 
currencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will 
be (a) a rate selected by Visa from the range of rates available in wholesale currency markets 
for  the  applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa  itself 
receives, or (b) the government-mandated rate in effect for the applicable central processing 
date,  in  each  of  the  above  instances,  plus  1%.    The  conversion  rate  used  on  the  date  the 
foreign transaction is processed may differ from the rate that would have been used on the 
date of the purchase and/or the transaction posting date. 

16. Severability.  In the event that any paragraph of this Agreement or portion thereof is held 
by a court to be invalid or unenforceable for any reason, the other paragraphs and portions of 
the Agreement shall not be invalid or unenforceable and will continue in full force and effect. 

17. Governing Law.  This Agreement is governed by the Bylaws of the Credit Union, federal 
laws and regulations, and the laws and regulations of the State of Florida, as amended from 
time to time. 

18.  Dispute  Resolution.    Any  disputes  regarding  this  Agreement  shall  be  within  the 
jurisdiction  of  the  court  of  the  county  in  which  the  Credit  Union’s  principal  place  of  doing 
business  is  located.    If  legal  action  is  necessary  to  enforce  this  Agreement  or  collect  any 
amounts owing to the Credit Union or fees or charges assessed under this Agreement, the 
Credit Union has the right, subject to applicable law, to payment by you of all attorney’s fees 
and costs, including fees on any appeal and any post-judgment actions.  You agree that such 
legal action may be filed and heard in the county and state in which the Credit Union’s principal 
place of doing business is located, if allowed by applicable law. 

19.  Joint  Accounts.  If  this  is  a  joint  Account,  each  person  on  the  Account  must  sign  the 
Agreement  (by  signing  on  the  application).  Each  of  you  will  be  individually  and  jointly 
responsible for paying all amounts owed under this Agreement. This means that the Credit 
Union  can  require  any  one  of  you  individually  to  repay  the  entire  amount  owed  under  this 
Agreement.  Each  of  you  authorizes  the  other(s)  to  make  purchases  or  cash  advances 
individually. Any one of you may terminate the Account and the termination will be effective 
as to all of you. 

20. 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. 

21. No Waiver. The Credit Union can delay enforcing any of its rights any number of times 
without losing them. 

22. Statements and Notices. 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. 

23. Final Expression. This Agreement is the final expression of the terms and conditions of 
this VISA line of credit between you and the Credit Union. This written Agreement may not be 
contradicted by evidence of any alleged oral agreement. 

24. Copy Received. You acknowledge that you have received a copy of this Agreement.  

Revised 09/29/17