Credit CardApplication
INVESTEXCU.ORG 281.449.01097.97.9%%
APR*APR*
On MasterCard Platinum PremierRates as low as
With Rewards
9.9% 12.9% 
*APR is Annual Percentage Rate. Rates Differ on Other Credit Card Products Offered at InvesTex.
Revised 08/20How Will We Calculate Your Balance?  We use a method called �average daily balance (including new purchases).� See your account agreement for more details.Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.The information disclosed here is accurate as of August 1, 2020.  Approval is based on your credit information obtained from consumer credit reporting agencies InvesTex Credit Union uses.  Credit card changes require 45 days advance notice.  Credit card holders may cancel their credit card prior to the effective date of a rate change or other significant changes.InvesTexCU.org281.449.0109Fax 281.219.7664Info@InvesTexCU.org
This credit union is federally insured by theNational Credit Union Administration.Hours of OperationAldine Branch905 Aldine BenderHouston, Texas 77032 Cypresswood Branch230 Cypresswood Drive, Suite HSpring, Texas 77388 Atascocita Branch5212 Atascocita RoadHumble, Texas 77346Tomball Branch24922 Tomball Parkway, Suite 100Tomball, Texas 77375 NLW-Heights Branch1614 N. DurhamHouston, Texas 77008FM 1960 Branch & Corporate Office8404 FM 1960 Bypass Road WHumble, Texas 77338
 Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for
Purchases,Balance Transfers,
and Cash Advances    
This APR is not tied to an index and will not vary with the market.
Penalty APR and When It AppliesNonePaying InterestYour due date is at least 25 days after the close of each billing cycle.  We will not charge you 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.Minimum Interest Charge NoneFor 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 www.consumerfinance.gov/learnmore.FeesAnnual FeeNoneTransaction Fees� Balance Transfer� Cash Advance� Foreign TransactionNoneNone1% of each transaction amount in U.S. dollars.Penalty Fees� Late Penalty� Over-the-Credit Limit� Returned PaymentEither $28 each month the minimum payment is not paid within ten (10) days of the due day or the amount of your minimum payment if below $28.NoneUp to $33 fee for each item returned.Without Rewards
7.9% 10.9% 13.9%MasterCard  
Platinum PremierMasterCard  
Platinum Premier
MasterCard  
PlatinumMasterCard  
Platinum
MasterCard  
Platinum Secured
Lobby HoursMonday, Tuesday, Wednesday, Friday: 8:30am to 5:00pmThursday: 9:00am to 5:00pmSaturday: 8:30am to 3:00pmDrive-Thru Monday-Friday: 8:30am to 6:00pmSaturday: 8:30am to 3:00pmeBranch Monday-Friday: 8:30am to 6:00pmSaturday: 8:30am to 3:00pm PERSONAL REFERENCE  RELATIONSHIP: HOME PHONE: NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU:
STATE LAW NOTICES   OHIO RESIDENTS ONLY: THE OHIO LAWS AGAINST DISCRIMINATION REQUIRE THAT ALL CREDITORS MAKE CREDIT EQUALLY AVAILABLE TO ALL CREDITWORTHY CUSTOMERS, AND THAT CREDIT REPORTING AGENCIES MAINTAIN SEPARATE CREDIT HISTORIES ON EACH INDIVIDUAL UPON REQUEST. THE OHIO CIVIL RIGHTS COMMISSION ADMINISTERS COMPLIANCE WITH THIS LAW.WISCONSIN RESIDENTS ONLY: (1) NO PROVISION OF ANY MARITAL PROPERTY AGREEMENT UNILATERAL STATEMENT UNDER SECTION 766.59, OR COURT DECREE UNDER SECTION 766.70 WILL ADVERSELY AFFECT THE RIGHTS OF THE CREDIT UNION UNLESS THE CREDIT UNION IS FURNISHED A COPY OF THE AGREEMENT, STATEMENT OR DECREE, OR HAS ACTUAL KNOWLEDGE OF ITS TERMS, BEFORE  THE CREDIT IS GRANTED OR THE ACCOUNT IS OPENED. (2) PLEASE SIGN IF YOU ARE NOT APPLYING FOR THIS ACCOUNT OR LOAN WITH YOUR SPOUSE. THE CREDIT BEING APPLIED FOR, IF GRANTED, WILL BE INCURRED IN THE INTEREST OF THE MARRIAGE OR FAMILY OF THE UNDERSIGNED.
 X
    SIGNATURE FOR WISCONSIN RESIDENTS ONLY DATE
SIGNATURES
YOU PROMISE THAT EVERYTHING YOU HAVE STATED IN THIS APPLICATION IS CORRECT TO THE BEST OF YOUR KNOWLEDGE. IF THERE ARE ANY IMPORTANT CHANGES YOU WILL NOTIFY US IN WRITING IMMEDIATELY . YOU AUTHORIZE THE CREDIT UNION TO OBTAIN CREDIT REPORTS IN CONNECTION WITH THIS APPLICATION FOR CREDIT AND FOR ANY UPDATE, INCREASE, RENEWAL, EXTENSION, OR COLLECTION OF THE CREDIT RECEIVED. YOU UNDERSTAND THAT THE CREDIT UNION WILL RELY ON THE INFORMATION IN THIS APPLICATION AND YOUR CREDIT REPORT TO MAKE ITS DECISION. IF YOU REQUEST, THE CREDIT UNION WILL TELL YOU THE NAME AND ADDRESS OF ANY CREDIT BUREAU FROM WHICH IT RECEIVED A CREDIT REPORT ON YOU. IT IS A FEDERAL CRIME TO WILLFULLY AND DELIBERATELY PROVIDE INCOMPLETE OR INCORRECT INFORMATION ON LOAN APPLICATIONS MADE TO FEDERAL CREDIT UNIONS OR STATE CHARTERED CREDIT UNIONS INSURED BY NCUA. YOU UNDERSTAND THAT THE USE OF YOUR CARD WILL CONSTITUTE ACKNOWLEDGEMENT OF RECEIPT AND AGREEMENT TO THE TERMS OF THE CREDIT CARD AGREEMENT. 
A CONDITION OF YOUR ACCOUNT IS YOUR GRANTING US A SECURITY INTEREST IN YOUR SHARE ACCOUNTS. BY SIGNING BELOW 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. WHEN YOU ARE IN DEFAULT WE MAY APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE UNDER THE CREDIT CARD AGREEMENT. SHARES AND DEPOSITS IN AN INDIVIDUAL RETIREMENT ACCOUNT AND ANY OTHER ACCOUNT THAT WOULD LOSE SPECIAL TAX TREATMENT UNDER THE STATE OR FEDERAL LAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THIS SECURITY INTEREST.
  
X (SEAL)  X (SEAL)
APPLICANT�S SIGNATURE DATEOTHER SIGNATURE DATE8404 FM 1960 Bypass Road WHumble, TX 77338(281) 449-0109 
. InvesTexCU.orgA table that includes the APRs and other required cost disclosures for credit card applications is on the reverse side of this application.
nn
NAME (Last - First - Initial) MOTHER�S MAIDEN NAMEMEMBER NUMBER SOCIAL SECURITY NUMBERDRIVER�S LICENSE NUMBER/STATEBIRTH DATEHOME PHONEWORK PHONE/EXT.(        )(        ) E-MAIL ADDRESSPRESENT
 ADDRESS (STREET-CITY-STATE-ZIP) OWN            RENTPAYMENT $
Employment       NAME AND ADDRESS OF EMPLOYERSTART DATE POSITIONNOTICE: ALIMONY , CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.GROSS EMPLOYMENT INCOME OTHER INCOME$________________PER_____________       $________________PER_____________SOURCECheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.qIndividual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: (1) you live in or the property you pledged ascollateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV , TX, WA, WI); (2) your spouse will use the account; or (3) you are relying on your spouse�sincome as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possibleabout the person on whose payments you are relying. qJoint Credit: Each applicant must individually complete the appropriate section below. If the Co-Borrower is the spouse of the applicant, mark the Co-Applicant box.qGuarantor: Complete the Other section if you are a guarantor on an account/loan.
Other:         nCo-Applicant    nAuthorized User
NAME (Last - First - Initial) MOTHER�S MAIDEN NAMEMEMBER NUMBER SOCIAL SECURITY NUMBERDRIVER�S LICENSE NUMBER/STATEBIRTH DATEHOME PHONEWORK PHONE/EXT.(        )(        ) E-MAIL ADDRESSPRESENT
 ADDRESS (STREET-CITY-STATE-ZIP) OWN            RENTPAYMENT $
Employment       NAME AND ADDRESS OF EMPLOYERSTART DATE POSITIONNOTICE: ALIMONY , CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.  GROSS EMPLOYMENT INCOME OTHER INCOME$________________PER_____________       $________________PER_____________SOURCECREDIT CARD APPLICATION
DETACH AND RETURN THIS APPLICATION TO YOUR CREDIT UNIONq PLATINUM PREMIER WITH REWARDS    q PLATINUM PREMIER WITHOUT REWARDS     q PLATINUM WITH REWARDS
qPLATINUM WITHOUT REWARDS    q PLATINUM SECURED FOR CREDIT UNION USE ONLY
q APPROVED          NO. OF CARDS_______      CREDIT LIMIT $______________   CREDIT CARD NUMBER______________________________
qDECLINED           CREDIT COMMITTEE OR LOAN OFFICER SIGNATURE_________________________________________________________Limit Requested $ 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 MasterCard credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; �Account� means your MasterCard 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 willestablish a line of credit for you and notify you of your credit limit. You agree that yourcredit 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 youare over your credit limit, you must pay the amount you are over before payments willbegin to restore your credit limit. You may request an increase in your credit limit onlyby a method acceptable to the Credit Union. The Credit Union has the right to reduceyour credit limit, refuse to make advance and/or terminate your Account at any time forany reason not prohibited by law.2. Using Your Card - You may use your card to make purchases from merchants andothers who accept MasterCard Cards. However, you may not use your Card to initiateany type of gambling transaction. If you wish to pay for goods or services over theinternet, you may be required to provide card member security information before youwill be permitted to complete the transaction. You may also obtain cash advances fromthe Credit Union and from other financial institutions that accept MasterCard Cards, and from some automated teller machines (ATMs). (Not all ATMs accept MasterCardCards.) To obtain cash advances from an ATM, you must use the Personal IdentificationNumber (PIN) that is issued to you for use with your Card. You agree that you will notuse your Card for any transaction that is illegal under applicable federal, state, or locallaw.3. Responsibility - You agree to pay all charges (purchases and cash advances) toyour 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 Accountunder the terms of this Agreement or another agreement you made with the CreditUnion. If this is a joint Account, Section 19 below also applies to your Account.4. Military Lending Act - Federal law provides important protections to membersof the Armed Forces and their dependents relating to extensions of consumer credit.In general, the cost of consumer credit to a member of the Armed Forces and his orher dependent may not exceed an annual percentage rate of 36 percent. This ratemust include, as applicable to the credit transaction or account:  The costs associatedwith credit insurance premiums; fees for ancillary products sold in connection with thecredit transaction; any application fee charged (other than certain application fees forspecified credit transactions or accounts); and any participation fee charged (other thancertain participation fees for a credit card account.)Please call us at 281-449-0109 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation. 5. Finance Charges - If your Card features an Introductory Rate, you will pay a FINANCE CHARGE for the transaction categories and time period, and at the introductory periodic rate and ANNUAL PERCENTAGE RATE set forth on the Account Opening Disclosuresprovided after your application is approved. After the introductory period, and during the introductory period for any transaction categories not subject to the Introductory Rate: You will pay a FINANCE CHARGE for all advances made against your MASTERCARD PLATINUM SECURED credit card at the periodic rate of .0380822% per day, whichhas a corresponding ANNUAL PERCENTAGE RATE of 13.9%.  You will pay a FINANCECHARGE for all advances made against your MASTERCARD PLATINUM credit card (With Rewards) at the periodic rate of .0353425% per day, which has a correspondingANNUAL PERCENTAGE RATE of 12.9%.  You will pay a FINANCE CHARGE for alladvances made against your MASTERCARD PLATINUM credit card (Without Rewards) at the periodic rate of .0298630% per day, which has a corresponding ANNUALPERCENTAGE RATE of 10.9%.  You will pay a FINANCE CHARGE for all advances made against your MASTERCARD PLATINUM PREMIER credit card (With Rewards) at the periodic rate of .0271233% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 9.9%.  You will pay a FINANCE CHARGE for all advances made against yourMASTERCARD PLATINUM PREMIER credit card (Without Rewards) at the periodic rateof .0216438% per day, which has a corresponding ANNUAL PERCENTAGE RATE of7.9%. Cash advances incur a FINANCE CHARGE from the date they are posted to theaccount. If you have paid your account in full by the due date shown on your previousstatement, or there is no previous balance, you have not less than 25 days to repayyour account balance before a FINANCE CHARGE on new purchases will be imposed.Otherwise there is no grace period and new purchases will incur a FINANCE CHARGEfrom the date they are posted to the account. The FINANCE CHARGE is figured byapplying the periodic rate to the �balance subject to FINANCE CHARGE� which is the �average daily balance� of your account, including certain current transactions. The �average  daily balance� is arrived by taking the beginning balance of your account each day and adding any new cash advances, and, unless you pay your account in full by the due date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payment or credits and unpaid FINANCE CHARGES. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the �average daily balance�. The FINANCE CHARGE is determined by multiplying the �average daily balance� by the number of days in the billing cycle and applying the periodic rate to the product. You may pay any amounts outstanding at any time without penalty for early payment.6.Other Charges - The following other charges (fees) will be added to your Account, as applicable: a. Over-the-Credit-Limit Fee: Noneb. Late Payment Fee: Either $28 each month the minimum payment is not paidwithin ten (10) days of the due day or the amount of your minimum payment if below$28.c. Return Check Fee: If a check or share draft used to make a payment on youraccount is returned unpaid, you may be charged a fee up to $33 for each item returned. In no event will the Return Check Fee exceed the required minimum payment for theapplicable statement period. d. Collection Costs: You agree to pay all costs of collecting the amount you oweunder this Agreement, including court costs and reasonable attorney�s fees.7. Payments - Each month you must pay at least the minimum payment shown onyour 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 thepayment is �Now Due,� your payment is due no later than twenty-five (25) days fromthe statement closing date. You may pay more frequently, pay more than the minimumpayment 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 Accounthas a balance (other than a credit balance).  The minimum payment is 3% of your TotalNew Balance, or $15.00, whichever is greater, plus the amount of any prior minimumpayments that you have not made, and any amount you are over your credit limit. TheCredit Union also has the right to demand immediate payment of any amount by which you are over your credit limit.8. Payment Allocation - Subject to applicable law, your payments may be applied towhat you owe the Credit Union in any manner the Credit Union chooses.9. Security Interest - If you give the Credit Union a specific pledge of shares bysigning a separate pledge of shares, your pledged shares will secure your Account.You may not withdraw amounts that have been specifically pledged to secure yourAccount until the credit union agrees to release all or part of the pledged amount. Inaddition, your Account is secured by all other shares you have in any individual or jointaccount with the Credit Union, except for shares in an Individual Retirement Accountor in any other account that would lose special tax treatment under state or federallaw if given as security. You authorize the Credit Union to apply the balance in yourindividual or joint share accounts to pay any amounts due on your Account if you should default. 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.10. Default - You will be in default if you fail to make any minimum payment orother required payment by the date that it is due. You will be in default if you breakany promise you make under this Agreement. You will be in default if you die, file forbankruptcy or become insolvent, that is, unable to pay your obligations when theybecome 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.11. Liability for Unauthorized Use-Lost/Stolen Card Notification - You agreeto notify us immediately, orally or in writing, at 8404 FM 1960 Bypass Road W, Humble, TX 77338, or 800-449-7728, 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
8404 FM 1960 Bypass Road WHumble, TX 77338Phone: (281) 449-0109Fax: (281) 219-7664InvesTexCU.org
MASTERCARD CREDIT CARD AGREEMENT unauthorized use that occurs after you notify us of the loss. If you exercise reasonable care in safeguarding your card from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability will not exceed $50.00.12. Changing or Terminating Your Account - The Credit Union may change the terms of the Agreement from time to time. Notice of any change will be given inaccordance 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 your 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 or surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by you or the Credit Union. 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 19 of this Agreement also applies to termination of the Account.13. Credit Information - You authorize the Credit Union to investigate your creditstanding when opening or reviewing your Account. You authorize the Credit Unionto disclose information regarding your Account to credit bureaus and creditors whoinquire 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 you with the requested service(s).14. Returns and Adjustments - Merchants and others who honor your Card maygive 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 six (6) months. 15. Automatic Billing Updater (ABU) -  InvesTex Credit Union subscribes to theMasterCard Automatic Biller Updater program and provides updated card informationto the service. Merchants who may participate in the Automatic Billing Updater program will receive updated cardholder information for recurring card transactions. Information such as your expiration date, card number (if the original card was lost/stolen/transferred) and closed card notifications are updated with this service and communicated directlyto participating merchants with whom you have recurring payments. To ensure yourpayments continue uninterrupted, we recommend you continue to notify each merchant of any card changes since not all merchants subscribe to this service.16. Additional Benefits/Card Enhancements - The Credit Union may from time totime offer additional services to your Account, such as travel accident insurance, at noadditional cost to you. You understand that the Credit Union is not obligated to offersuch services and may withdraw or change them at any time. 17. Foreign Transactions -  Purchases, cash advances and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rateused to convert foreign currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular transaction is the rate MasterCard selects forthe applicable currency on the day the transaction is processed. This rate may differfrom the rate applicable on the date the transaction occurred or was posted to youraccount.A fee of up to 1 percent will be charged on all transactions completed outside of the United States where the cardholder�s country code differs from the merchant�s country code. In addition, a fee up to 1 percent will be charged on all transactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged except where included. 18. Merchant Disputes - The Credit Union is not responsible for the refusal ofany merchant or financial institution to honor your Card. The Credit Union is subjectto claims and defenses (other than tort claims) arising out of goods or services youpurchase with the Card if you have made a good faith attempt but have been unableto obtain satisfaction from the merchant or service provider, and (a) your purchase wasmade in response to an advertisement the Credit Union sent or participated in sendingto you; or (b) your purchase cost more than $50 and was made in your state or withinone hundred (100) miles of your home.19. Joint Accounts - If this is a joint Account, each person on the Account must signthe Agreement (by signing on the application). Each of you will be individually andjointly responsible for paying all amounts owed under this Agreement. This means thatthe Credit Union can require any one of you individually to repay the entire amountowed under this Agreement. Each of you authorizes the other(s) to make purchasesor cash advances individually. Any one of you may terminate the Account and thetermination will be effective as to all of you.20. Effect of Agreement - This Agreement is the contract which applies to alltransactions 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 oftimes without losing them.22. Statement And Notices - Statements and notices will be mailed to you at themost 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 andconditions of this MasterCard line of credit between you and the Credit Union. Thiswritten Agreement may not be contradicted by evidence of any alleged oral agreement.24. Copy Received - You acknowledge that you have received a copy of theAgreement. 25. Signatures - By signing in the Signature area of the application form that wasattached to this Agreement when you received it, you agree to the terms of thisAgreement. You should detach this Agreement from the application and retain it foryour records.26. Credit Card Changes - Any Credit Card changes require 45 days advance notice. Credit Card holders may cancel their credit card prior to the effective date of thechanges.27. Age - Applicants must be 21 years of age or a parent/legal guardian will berequired to sign as a co-applicant. 
YOUR BILLING RIGHTSKEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.Notify Us In Case of Errors Or Questions About Your Bill -  If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.In your letter, give us the following information:�
Your name and account number.�
The dollar amount 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. If you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice - 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 an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn�t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on 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 (10) 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. If we don�t follow these rules, we can�t collect the first $50 of the questioned amount, even if your bill was correct.Special Right For Credit Card Purchases -  If you have a problem with the quality of property or services that you purchased with a 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 property or services. There are two (2) limitations on this right:�
You must have made the purchase in your home state or within one hundred(100)
 miles of your current mailing address; and�
The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Rev. 08/2 5/20 
AMENDMENT  TO CREDIT CARD APPLICATI ON AND  
MASTERCARD CREDIT CARD AGREEMENT  
The following terms supersede the same terms appearing in the Credit Card Application  and 
MasterCard Credit Card Agreement . All other terms remain in effect.  
Fees  
Annual Fee  None  
Transaction Fees  
�Foreign Transaction
�Cash  AdvanceUp to 2% of each transaction in U.S. dollars  
None  
Penalty Fees  
�Late Payment
�Returned PaymentUp to $28 
Up to $33 
How We Will Calculate Your Balance: We use a metho d called �average daily balance 
(including new purchases).� See your C ard A greement  for more details.  
The information about the costs of the cards described in this application is accurate as of 
8/2020. This information may have changed after that date. To find out what may have changed, 
write to us at Inves Tex Credit Union, 8404 FM 1960 Bypass West Road , Humble , TX 77338  or 
call ( 281) 449-0109 . Interest Rates and Interest Charges  
Annual  Percentage Rate 
(APR) for Purchases, 
Balance Transfers, and Cash 
Advances  Platinum  Platinum Premier  Platinum Secured  
0% intro APR for 12 monthly billing
cycles on all balance transfers and cash 
advances processed for the first 90 days 
after a new credit card account is op ened.  
Without Rewards 
10.9% 
With Rewards  
12.9% Without Rewards 
7.9%  
With Rewards  
9.9%13.9%  
How to Avoid Paying 
Interest on Purchases  Your  due date is at least 25 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date each month.  
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