Georgia United Credit Union 
P.O. Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
gucu.org 

CREDIT CARD DISCLOSURE 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases  

VISA CASH BACK SIGNATURE 

1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be  
10.24% to 22.99% based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers* 

1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account 
opening. After that, your Standard APR will be 8.24% to 22.99% based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Paying Interest 

12.24% to 24.99% based on your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on  purchases  if  you  pay  your  entire  new  purchase  balance  by  the  due  date  each  month.  We  will 
begin charging interest on cash  advances and balance transfers on the date the cash advance  or 
balance transfer is posted to your account. 

Minimum Interest Charge 

None 

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: 

Fees to Open or Maintain your 
Account: 
- 
- 

Annual Fee: 
Application Fee: 

Transaction Fees 

None 
None 

Balance Transfer: 

- 
-  Cash Advance: 
- 

Foreign Transaction: 

None 
2% of each transaction that is greater than $2.00 
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars 
that is processed outside the United States. 

Penalty Fees 

Late Payment: 
- 
-  Over-the-Credit Limit: 
-  Returned Payment: 

Up to $25.00 if your payment is late 10 days or more 
None 
Up to $25.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment. 

*Introductory Rate is available only for balance transfers made within 90 days of account opening. Introductory Rate does not apply to 
balances transferred from other Georgia United Credit Union credit cards or loans. 

Other Fees: In addition to the fees disclosed above, the following fees may be imposed: 
$10.00 
Card Replacement Fee: 
$25.00 
Skip-A-Pay Fee: 
$50.00 
Expedited Card Fee: 

page 1 of 4 

 
 
 
 
 
 
 
 
 
 
 
 
 
Georgia United Credit Union 
P.O. Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
gucu.org  

BORROWER 1 

BORROWER 2 

CREDIT CARD AGREEMENT 

ACCOUNT NUMBER 

DATE 

In this Agreement, “You” and “your” mean any person who accepts this Agreement or uses the Card. The “Card” means any credit card issued to you or 
those  designated  by  you  under  the  terms  of  this  Agreement.  “We”,  “us”,  “our”  and  the  “Credit  Union”  means  Georgia  United  Credit  Union  or  its 
successors. By using your card, you agree to all of the terms and conditions set forth herein. 

THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A  CONDITION 
FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY 
INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE 
WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF 
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO 
AGREE  THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS 
UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, 
WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.  
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that would lose special tax treatment under state or federal law 
if given are not subject to this security interest. 
If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also 
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods. 

Using  Your  Card.  You  can  purchase  or  lease  goods  and  services  from 
any merchant who honors your Card, and you may obtain cash advances 
from financial institutions and ATM machines that accept the Card, up to 
your maximum credit limit. You agree not to present your Card or obtain a 
cash advance for any extension of credit in excess of your available credit 
limit;  however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make 
immediate  payment  sufficient  to  bring  the  balance  below  the  credit  limit. 
Certain  purchases  and  cash  advances  require  authorization  prior  to 
completion  of  the  transaction.  In  some  cases,  you  may  be  asked  to 
provide identification. If our system is not working, we may not be able to 
authorize a transaction, even though  you have sufficient credit available. 
Also,  for  security  reasons,  we  may  block  the  use of  your  Card  in  certain 
countries or geographic areas. We will have no liability to you or others if 
any of these events occur.  

Personal  Identification  Number  (PIN).  We  may  issue  a  Personal 
Identification Number (PIN) for use with your Card. This PIN is confidential 
and should not be disclosed to anyone. You may use your PIN and your 
Card  to  access  your  account,  and  all  sums  advanced  will  be  added  to 
your  account  balance.  In  the  event  a  use  of  your  PIN  constitutes  an 
Electronic  Funds  Transfer,  the  terms  and  conditions  of  your  Electronic 
Funds Transfer Agreement may affect your rights.  

Promise  To  Pay.  You  promise  to  pay  us  in  U.S.  dollars  for  (a)  all 
purchases, cash advances, and balance transfers made by you or anyone 
whom you authorize to use the Card; (b) all Interest Charges and all other 
charges  or  fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by 
applicable law, and any costs incurred in the recovery of the Card; and (d) 
credit in excess of your credit limit that we may extend to you.  

Illegal  Transactions:  You  agree  that  your  Card  and  account  will  not  be 
used  to  make  or  facilitate  any  illegal  transactions  as  determined  by 
applicable  law;  and  that  any  such  use  will  constitute  an  event  of  default 
under this Agreement. We may decline any transaction that we believe to 
be illegal under applicable law, including but not limited to any transaction 
involving or relating to any gambling activity. You agree that we will have 
no  liability  or  responsibility  for  any  such  use  by  you  or  any  authorized 
user(s);  or  for  declining  any  such  transaction.  You  further  agree  to 

indemnify  and  hold  us  harmless  from  any  suits,  liability,  damages  or 
adverse  action  of  any  kind  that  results  directly  or  indirectly  from  such 
illegal  use.  You  promise  to  pay  us  any  and  all  amounts  owing  on  your 
Card  for  any  transactions  made  by  you,  even  if  the  transaction  is 
determined to be illegal.  

Joint Accounts. Each of you will be responsible, jointly and severally, for 
the  repayment  of  amounts  owed,  regardless  of  who  initiated  any 
transaction under the account.  

Others Using Your Account. If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for all purchases and advances made by anyone you authorize to use your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
someone else is authorized to use your account and you want to end that 
person's privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective.  

Ownership  of  Card.  Your  Card  remains  our  property  and  may  be 
cancelled  by  us  at  any  time  without  notice.  You  agree  to  surrender  your 
Card and to discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you 
at the time you open your account and as may be changed from time to time 
in  accordance  with  applicable  law.  Average  Daily  Balance  including  new 
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid 
interest charges, and unpaid late charges. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and divide that by 
the number of days in the billing cycle. We then multiply that by the periodic 
rate corresponding to the Annual Percentage Rate on your account. If you 
have  different  rates  for  purchases,  cash  advances  or  balance  transfers, 
separate  average  daily  balances  for  each  will  be  calculated  and  the 
appropriate periodic rate is then applied to each. 

Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases by paying the full amount of the new balance for purchases each 
month  by  the  date  on  which  the  payment  is  due.  Otherwise,  the  new 
balance of your account, and subsequent advances from the date they are 
posted  to  the  account,  will  be  subject  to  an  Interest  Charge.  You  cannot 
avoid Interest Charges on cash advances and balance transfers; even if you 
pay  the  entire  cash  advance  balance  or  balance  transfer  balance  by  the 
payment due date, you will incur the Interest Charges accrued from the date 
the cash advance or balance transfer is posted to your account.  

Fees.  In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to 
also pay any and all fees that you incur as disclosed to you on your Truth-
in-Lending  Statement  or  similar  disclosures  (as  may  be  amended  from 
time to time), or as disclosed to you during the term of your Card.  

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized use may have occurred. "Unauthorized use" means the use 
of the Card by someone other than you who does not have actual, implied 
or apparent authority for such use, and from which you receive no benefit. 

9011 WORD FI17901 Rev 10-2015 

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COPYRIGHT 2009 Securian Financial Group, Inc. 

 
 
 
 
 
 
 
 
 
 
 
The telephone number to call is 1-866-677-7156. You agree to follow up 
your  call  with  notice  in  writing  to  us  at:  P.O.  Box  100070,  Duluth,  GA 
30096-9370.  You  also  agree  to  assist  us  in  determining  the  facts, 
circumstances and other pertinent information relating to any loss, theft or 
possible unauthorized use of your Card and comply with such procedures 
as we may require in connection with our investigation. You will be liable 
for  any  unauthorized  use  only  if  we  can  prove  that  you  were  grossly 
negligent in your use or handling of your Card, or if we can prove that you 
used your Card fraudulently. 

Minimum Payment  Due; Crediting  of Payments. Payments are  due in 
the  amount  and  on  the  date  disclosed  on  your  billing  statement.  If  your 
payment is received by us on a  business day at  the address and by the 
time designated on the billing statement, it will be credited to your account 
on the date of receipt. If payment is made at any location other than the 
address  designated  on  the  periodic  statement,  credit  for  such  payment 
may be delayed up to five (5) days. Payments will be applied in any order 
we determine, subject to applicable law.  

Default;  Acceleration;  Credit  Suspension;  Collection  Costs.  You  will 
be in default if: (1) you fail to make any payment on time; (2) if you fail to 
keep any promises you have made under this Agreement or under other 
Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in 
bankruptcy  or  have  a  bankruptcy  petition  filed  against  you,  or  if  you 
become involved in any insolvency, receivership or custodial proceeding; 
(5)  if  anyone  attempts  to  take  any  of  your  funds  held  by  us  via  legal 
process or if you have a judgment or tax lien filed against you; (6) if you 
make  any  false,  inaccurate,  or  misleading  statements  in  any  credit 
application  or  credit  update;  or  (7)  if  we,  in  good  faith,  believe  that  your 
ability to repay what you owe is or soon will be impaired, or that you are 
unwilling to make your payments.  
If you are in default, we have 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 interest charges and fees 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. You agree to pay 
all  reasonable  costs  of  collection,  including  court  costs  and  attorney's 
fees,  and  any  costs  incurred  in  the  recovery  of  the  Card,  subject  to 
applicable law. Even if your unpaid balance is less than your credit limit, 
you  will have no credit available during any time  that any aspect  of  your 
account is in default.  

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time 
offer additional services to your Account at no additional cost to you. You 
understand  that  we  are  not  obligated  to  offer  such  services  and  may 
withdraw or change them at any time.  

Convenience  Checks.  We  may,  at  our  discretion,  issue  checks  to  you 
which  may  be  used  for  any  purpose  other  than  making  a  payment  for 
credit to your account. By signing such check, you authorize us to pay the 
item for the amount indicated and post such amount as a cash advance to 
your  account.  We  do  not  have  to  pay  any  item  which  would  cause  the 
outstanding balance in your account to exceed your credit limit.  

Credit  Information.  We  may  from  time  to  time  request  personal 
information  from  you  or  obtain  credit  reports  from  the  credit  reporting 
agencies  for  the  purpose  of  updating  your  credit  status.  Your  failure  to 
provide such information when requested by us may result in suspension 
of  credit  privileges  under  this  Agreement,  including  your  ability  to  obtain 
any future advances by any means. You authorize us to investigate your 
credit standing when opening or reviewing your account. You authorize us 
to  disclose  information  regarding  your  account  to  credit  bureau  and 
creditors who inquire about your credit standing.  

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central processing date, which rate may vary from the rate the card company 
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable 
central processing date in each instance. All transactions processed outside of 
the United States (which may include internet transactions) will be charged a 

foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time).  

Termination; Change-in-Terms. We may, by written notice, terminate this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement by written notice. Termination by either party shall not affect your 
obligation  to  repay  any  balance  on your  account  resulting  from  use  of  the 
Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may  change  the 
terms  of  this  Agreement,  including  the  method  of  calculating  the  periodic 
rate,  at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the 
Card constitutes agreement and acceptance of any change in terms, unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement.  

Late or Partial Payments. Any payment that delays the reduction of your 
balance  will  increase  your  total  interest  costs.  Partial  payments  or 
prepayments  will  not  delay  your  next  scheduled  payment  -  you  will  still 
need  to  make  the  minimum  scheduled  payment  by  the  next  scheduled 
due  date  to  keep  your  account  current.  We  may  accept  late  payments, 
partial  payments,  checks  or  money  orders  marked  "payment  in  full"  and 
such  action  shall  not  constitute  final  settlement  of  your  account  or  a 
waiver or forgiveness of any amounts owing under this Agreement.  

Enforcement.  We  do  not  lose  our  rights  under  this  or  any  related 
agreement  if  we  delay  enforcing  them.  If  any  provision  of  this  or  any 
related agreement is determined to be unenforceable or invalid, all other 
provisions remain in full force and effect.  

Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card 
may  give  credit  for  returns  or  adjustments,  and  they  will  do  so  by 
submitting a credit slip which will be posted to your account. If your credits 
and  payments  exceed  what  you  owe  us,  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 or verbal request.  

Plan  Merchant  Disputes.  We  are  not  responsible  for  the  refusal  of  any 
plan merchant or financial institution to honor your Card. Also, we are not 
responsible for goods or services that you purchase with the Card unless: 
(a) your purchase was made in response to an advertisement we sent or 
participated in sending you; or (b) your purchase cost more than $50 and 
was made from a plan merchant in your state or within 100 miles of your 
home;  and  only  if  you  have  made  a  good  faith  attempt,  but  have  been 
unable to obtain satisfaction from the plan merchant. You must resolve all 
other  disputes  directly  with  the  plan  merchant.  We  do  not  warrant  any 
merchandise or services purchased by you with the Card.  

Statements and Notices. Statements and notices will be mailed to you at 
the most recent postal address or e-mail address (if you have elected to 
receive such documents via electronic means) you have given us. Notice 
sent to any one of you will be considered notice to all.  

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you 
change  your  address  for  any  reason.  In  order  to  prevent  identity  theft, 
your identity may need to be verified before we act upon the notification.  

Copy Received. You acknowledge that you have received a copy of this 
Agreement.  

Governing  Law.  This  Agreement  shall  be  construed  under  federal  law 
and state law in the state in which we are primarily located, and the venue 
shall be located in the county and state in which we are primarily located. 
Operating  regulations  of  Visa  may  also  apply.  This  Agreement  is  the 
contract  that  applies  to  all  transactions  even  though  the  sales,  cash 
advance, convenience check, credit or other slips you sign or receive may 
contain different terms. 

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a  final 
expression of the agreement between you and the Credit Union. This written 
agreement may not be contradicted by evidence of any oral agreement. 

page 3 of 4 

BORROWER NAME 

ACCOUNT NUMBER 

BILLING RIGHTS NOTICE 

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  the 
address(es) listed on your statement.  

In your letter, give us the following information:  

1. Your name and account number. 
2. The dollar amount of the suspected error. 
3. 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. 

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 
Purchases  

If  You  Are  Dissatisfied  With  Your  Credit  Card 

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 
accesses 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  the  address(es)  listed  on  your 
statement. 

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. 

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