Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your Credit Card
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

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.)
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.
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:

  Credit Union of America
    Cardholder Services
          PO Box 31112
  Tampa, FL  33631-3112

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.

03262016

VISA PLATINUM CARD 
EFFECTIVE MARCH 27, 2016

General Agreement
A. This Agreement and disclosure statement contains the  terms and disclosures that apply to
VISATM  Platinum  Credit Card accounts with  Credit Union of  America. In this  Agreement “you,”
and “your,” “Borrower” and “Co-borrower” refers to and includes, where appropriate, all persons
who sign this Agreement. “Credit Union,” “we,” “our,” or “us” refers to Credit Union of America.
B. You agree that credit cards are issued based on our acceptance of your application at our
principal place of business in Wichita, Kansas.
C. The Agreement governs any  account for which you  are liable, now or in the future. By
signing, using, or allowing someone else to use your Account, you accept the terms of this
Agreement and agree to be bound by its terms.

1.Eligibility - You must be  a member in “good standing” with the Credit Union to be
eligible for any credit card. A member in  “good standing” means: (A) Maintaining  a minimum
$25.00  share account balance and all accounts must have a positive balance, (B) Keeping all
loan  and  credit  card accounts  with  us  current,  and (C)  Keeping  all  loan  and  credit  card
accounts with  other creditors current. If  you are not  in “good standing”  with  Credit  Union of
America and other creditors, we reserve the right to terminate your use of the Card.
2. Credit  Limit - We  will  provide you with notification of your  maximum credit limit  (A) When
you  open your  account, and (B)  Whenever a  Card is  sent to  you, and  (C) On  your  monthly
statement.  You agree the  Credit Union can change your  limit at any time.  You agree never to
use  your  Card  when   that  use  will  exceed  the  maximum   credit  limit  assigned.  We  may
reevaluate your financial condition if you request a higher credit limit, or at any other time.  This
may  include  obtaining  a  credit  bureau
report,  asking  for  current  financial  information  and
evaluating your credit performance  with us.  By giving you written notice,  we may  reduce  your
credit limit  from time to time,  or revoke your Card and terminate this Agreement.   Termination
does not affect your obligation to repay the account balance.  We  may also increase your credit
line from time to time,  as allowed by law, after evaluation of your  ability to repay the extension
of credit. If you do not wish your credit line increased, you must notify us in writing.
3. Revocation – If you revoke the authority of someone to  use your Account, the revocation is
not effective until that person’s Card expires or you return  it  to us, whichever is first. Each joint
user agrees  to pay all amounts  due for charges made by  any joint user until all  Cards are
returned to us and the balances are paid in full.  If your creditworthiness changes, you have
provided false information, you  are in default, you use  the Card for any  illegal purpose, or you
default on any other  loan with us, we may choose to revoke  your credit privileges on the  Card
with  proper  notification.  Revocation  of   charging  privileges  does  not   relieve  you   of  your
responsibility to pay any outstanding balance accrued before the revocation.
4. Credit  Information –  You  authorize us  to investigate  your credit standing  when opening,
renewing, or reviewing  your account. You  authorize us to  disclose  information regarding your
account to credit bureaus and other creditors who inquire of us about your credit outstanding, to
the extent authorized by law.
5. Minimum Monthly Payment –  Each month we will  send you a statement showing your
previous balance, any new transactions, payments, credits, FINANCE CHARGES, fees, ending
balance, credit  available, payment  due date  and minimum payment  due.   You  must make  a
minimum payment that is  2.5% of your new  balance, or $20.00,  whichever is more, PLUS the
amount of  any past  due  payments by  the payment  due date.  You  may of  course pay  more
frequently, pay  more than  the minimum payment, or  pay the  total balance in full  and you will
reduce the  FINANCE CHARGE by doing so.  If you fail  to make the  minimum payment by the
due date,  a  late charge  will apply  and use  of the  Card may  be suspended  until  payment is
received.   After  application of  the minimum payment  due, all other  payment amounts  will be
applied to the highest interest rate balance first. You  may not request payments be applied in a
specific manner    From  time to  time,  at our option, we  may  allow you  to skip your minimum
payment due.  If you choose  to skip that payment, finance charges will continue  to assess and
the next month your normal minimum payment will resume.
6. Responsibility –   If this  is  a  joint  account or  a  co-signed  account, each  person  on the
account  (borrower/co-signer)  must  sign  the  Agreement  (application).   Each  of  you  will  be
individually and jointly responsible for paying  all amounts owed under this Agreement. You are
responsible for  any charges  made by  yourself  and anyone else  to  whom you give  the  Card
and/or Account number. You cannot disclaim responsibility by notifying us, but we will close the
account for new transactions, if  you so request, and  you return all Cards.  This means that the

Credit Union  can require any  one of you,  individually, to  repay the entire  amount owed under
the  Agreement.  Your obligation to  pay the account balance  continues even through a divorce
decree agreement or other court judgment (to which we are  not a party) may direct you or one
of  the  other  persons responsible  to  pay  the  Account balance.  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 to all of you. If you have named an authorized user
and  requested a  Card  be  issued to  them, you  authorize  that  user to  make  charges to  the
account and agree to be liable for any and all charges they make.
7. Finance Charges –  The introductory (promotional) rate that you receive  when you open your
Account  will  remain  for a minimum  period  of six  (6)  months. Thereafter,  the rate  becomes a
variable  rate. On Purchases/Balance Transfers/ Cash  Advances, the index  will be the highest
Prime Rate  in the Wall Street Journal on the  15th  of the month (March, June, September, De-
cember) prior to  the  month of change  (April, July,  October,  January). Rate  changes due  to
the index changing up  or down, will affect  new transactions and existing balances. You  may
not decline acceptance of these rate changes.

Rate changes for creditworthiness will change your Annual Percentage Rate (APR) by no more
than 1  tier in  the  months of February  and August.  The increase  will affect  new transactions
only.  You will be  notified at least 45  days prior to  the date  that the new terms  take effect.  You
must  contact  us  before the  effective  date  by calling   866-820-5887  or   316-265-3272  and
decline  to accept the  new terms.  Your  account will be  closed to  charging privileges and  you
may pay off your existing balance at the current rate that is on your account.

Penalty Pricing – If you fail to make 3 consecutive monthly payments by the payment  due date,
your  Annual  Percentage  Rate  will increase  to 19.99%  on both  Purchases/Balance Transfers
and Cash  Advances for the next  six (6) month period. If  no late payments are received during
that  six (6)  month period,  your Annual  Percentage Rate  will revert  back to  the rate  on  your
account prior to the penalty phase. Penalty Pricing will apply to the  entire existing balance. 

Average  Daily Balance -  Finance Charges  for the billing  cycle are  computed by applying  the
Monthly Periodic Rate  to the average daily balance of Purchases/Balance Transfers  and  Cash
Advances  or  other charges,  which is  determined by  dividing  the sum  of  the  daily balances
during the billing cycle by the  number of days in the cycle. Each daily balance is determined by
adding  the  previous balance  of  Purchases/Balance  Transfers  or Cash  Advances,  any  new
Purchases/Balance Transfers or  Cash Advances, and  subtracting any payments  received and
credits posted to your account, but excluding any unpaid Finance Charges.

Finance Charges  will begin to accrue on  Cash Advances  including ATM  Cash  Advances from
the  date  of  the  transaction.  There  is  no grace  period  for  Cash  Advances, and  no  way  of
avoiding  paying Finance Charges  on Cash  Advances. There  is a Cash  Advance Transaction
Fee of $5.00 per Cash Advance Transaction.

There is  a grace period  on Purchases/Balance Transfers, if you pay  the balance  in full by the
payment due date.

8. Available Credit Limit –  You  may  use the Card  for purchases and  cash advances  up to
your  credit  limit. Each  purchase  or  cash  advance reduces  your  available  credit limit.  Your
payments  replenish your  available credit  limit by  the  amount of  the payment.  If  you have a
returned  payment,  we  may  restrict  usage of  your  account  (available  credit  limit) until  that
payment is corrected.

9. Fees -
A) Late Payment: You agree that a late payment fee of up to $25.00 will be charged to your
account if the Minimum Monthly Payment is not received by the payment due date.
B) Return Check:  You   agree  that  a  returned  check  fee of  up  to  $26.00 will  be
charged to your account for  any returned check, non-payment through the Automated Clearing
House (ACH) or any other payment return of any kind.
C) Documentation Charges:  You may be assessed a $2.00 charge for copies you
request  of    a  document  (sales drafts,  cash  advance  drafts,  credit  vouchers,  convenience
checks,  copies  of  statements),  plus  research  time  and  any  other   pass  through   charges
assessed  to  us by  others  in connection  with  your  Account. No  charges will  be  imposed in
connection with any good faith assertion of a billing error on your account.
D) Credit  Life and Disability Insurance: – If you choose  to purchase Credit Life or

Disability Insurance  through us, you  authorize us  to add  its cost to  your Account  each month.
Credit Life  and Disability Insurance  is voluntary and does  not have to  be purchased to obtain
credit.
E) Card Replacement Fee –  A card replacement fee of $5.00 may be assessed.
F) Balance Transfer Fee -  $10.00 per transferred balance.
G) Cash Advance  Fee –  A  cash  advance  fee of $5.00  per  cash  advance will be
applied.
H) Foreign Transactions Fee – 3% of each transaction in US dollars.
I) Expedited Card Fee –  Up to $26.00.
10. Card  Ownership -  We  issue Cards at  your request  for your use  alone, but  they are  our
property.    We  may  renew your Cards  from  time to  time.   We  may  cancel  or revoke  credit
privileges at any time without changing your liability for credit we have already extended to you.
You  agree to deliver, at our demand, all Cards bearing your Account number to us  or to our
agent.
11. Promise to Pay –  You promise to pay in U.S. Dollars for all credit which is incurred through
the authorized use of  your Account number or with the card(s) you requested.   You also agree
to pay all FINANCE CHARGES/FEES and other charges connected with your credit.
12. Default -  You  will be in default if you do not make any minimum payment or other  required
payment when  it is due.  You will be in  default if we determine  that your creditworthiness  (which
includes your  ability to  repay us)  has become  unsatisfactory due  to change in  employment, in
the event  of bankruptcy or  insolvency, if you die,  if you try to exceed  (or do  exceed) your credit
limit  without  our  permission, if  attachment  or  garnishment  proceedings  are instituted  against
you or  your property,  if you  fail to  provide updated  information, which  we request from  time to
time or  if you  fail to comply  with any  provision of this  Agreement.   You  will be  in default if  you
make   any  false   or   misleading   statements  in  any  credit  application  or  update   of  credit
information.  You  are  in  default  if  you  are  in  default  with  any  other  Credit  Union  loan  or
obligation. If you are in default, we can  demand payment of the entire balance amount that you
owe  under this  Agreement without  giving you  advance notice.  We can  accept late  or partial
payments  or  delay  enforcement, without  losing  any  of  our  rights under  this  Agreement.  If
immediate payment is demanded, you  will have to pay interest at the applicable rate until what
you  owe has been  paid in  full. If  you are  in default, you  also agree to  pay all  the usual and
customary costs  of collection  permitted by law  including court  costs and reasonable  attorney
fees. The Credit Union can exercise any other rights given by law when you are in  default. If the
law makes  any terms of this Agreement  unenforceable, the  other terms will remain in effect.
13.Change of Address -  You   will   advise   us   promptly   if  you change your mailing address.
You  also agree that we  may change  addresses when the change  is received from  the National
Change of  Address System that  we use in  conjunction  with  the United  States Postal  Service.
All written  notices and statements  from  the Credit Union  to you  will be considered given when
mailed  to  the current address as it appears on the Credit Unions’ records.  If  you  request a
replacement  Card  or PIN  and your  address change   has  not been  verified  in writing,  your
request  may  be  delayed until we receive that verification from you.
14,  Statements  and  Notices –   Will be mailed  to  you at the  most  recent address you  have
given  the  Credit  Union. Notices  sent  to  any  one borrower  will  be  considered  notice to  all
borrowers.  If  you  have signed  up  for Electronic  Statements  and your  monthly  notice  of E-
Statement availability  is returned to us,  we will attempt to  contact you  and change your email
address, if needed.  If we are unable to determine a  new email address,  we may un-enroll you
in  E-Statements and  return  you to  paper  statements.  You  may  re-enroll  at any  time  in E-
Statements by  providing  a new valid  email address  but  it may affect  the number  of prior E-
Statements  you are then  able to  access.  Keeping  a  current  email address  at  all times  will
prevent un-enrollment.
15. Authorized/Unauthorized Use –   You agree  that  “authorized use” means any purchase,
service,  cash advance,  mail order or  other credit  incurred  by the  use of  your Credit Card(s)
and/or your Account number, whether such use is by you or any other person who is allowed to
use  the  Card  or  Account number  by  you,  regardless  of the  benefit  of  use.   We  agree  to
advance  amounts  necessary to  pay  for  all  proper purchases,  services,  or  cash  advances,
provided you are not past due, in default, and abide by the terms of this Agreement.  You agree
that “unauthorized use” means the use of the   Credit Card(s) which has occurred or may occur
as  the result of  loss,  theft, or wrongdoing,  and which  is by  a person  other than  you or your
agent, who does not have actual implied or apparent authority for such use and from which you
receive  no  benefit.  You   agree  to   notify  us  promptly  upon  learning   of  the  loss,  theft  or
unauthorized use of the Card by calling us 24 hours a day/7  days  per  week  at  866-820-5887.
16. Modifications -  Any  part of this  Agreement can  be modified at  any time,  as long  as the
Credit  Union  gives  you  advance   written  notice  as  required  by  law  (see  #  25,   Effect  of
Agreement).

  
Terms is  an  Annual Percentage  Rate  (APR) due to a  change  in your creditworthiness,  the  change
will  apply  only to  your future  transactions  and  the current balance  will  remain  at  the existing  rate
prior  to the change. If  you do not  accept the creditworthiness  change,  you may  close your account
and pay off the existing  balance at the existing rate.
26.Invalidity of Provisions and Captions  – If  any  provision of this  Agreement is deemed invalid
the rest  of  this  Agreement  will  remain  in full  force  and effect.  The  paragraph  headings are  for
convenience only and do not form a part of this Agreement.
27.Delay in Enforcing Rights - We can waive or choose not to enforce any of our rights under the
Agreement at  any  time  without  the waiver  affecting  any  of  our  other rights.    A  waiver  on  one
occasion will not act as a waiver of the same right at a future time.
28. Assignment –  We  may  sell, assign or transfer your  Account, or  any portion thereof, without
notice to you.   You  may not sell, assign or  transfer your  Account without first obtaining our prior
written consent.
29. Application of Federal Law – We both agree that this Agreement is governed by the laws of
Kansas except to the extent that the federal law applies.
30. Residents of Illinois  – may  contact the Illinois Commissioner of Banks and Trust
Companies  for  comparable   information   on  interest   rates, charges,   fees  and  grace   periods.
Telephone 1-800-634-5452.  Address:  State of Illinois CIP., P.O.  Box 10181 Springfield, IL 62791.
31. WISCONSIN  RESIDENTS ONLY – Wisconsin law  provides that  no Agreement,  court  order
or individual statement  applying to marital property will effect a  creditor’s interest unless prior to
the time credit  is granted, the  creditor is furnished  with a copy of  the agreement, court  order or
statement or has knowledge of  adverse provision.
32. Overdraft Protection  – If  your application for overdraft protection using your Credit Card is
approved, you agree that if there is not enough money  in the Credit Union checking account to
cover checks you have written or other charges against the account, then the Credit Union may
deposit  or  cause  to  be  deposited  to  your   account  in  increments  of   $100.00,  the  funds
necessary to cover  such  checks  or other  charges.  Each  such  deposit will be  considered  a
Cash  Advance.  Every  time  the Credit  Union  makes a Cash  Advance  to  your  Credit Union
checking account,  the  amount  of  the  Cash  Advance  will  be  charged  to  your  Credit Card
Account.   The  Credit Union  is  not required to   make a  Cash Advance  to your  Credit  Union
checking account if the Cash Advance would cause the balance of your Credit Card Account to
exceed your Credit Limit or if your Card account is in default. If the Credit Union chooses not to
make a Cash Advance which  would cause the balance of your  Credit Card account to  exceed
your Credit  Limit,  the overdraft will  be subject to  the terms  and  conditions applicable  to your
Credit Union  checking account.   The Credit  Union  charges a Cash  Advance Fee  (FINANCE
CHARGE) of $5.00 per transaction.
33. Consensual Lien  – 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 what you  owe  under the
Visa Credit Agreement.   If you  are  in  default, you authorize us to  apply the  balance in these
accounts to any amounts due.  Shares and deposits in an Individual Retirement Account (IRA),
and 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.

17. Cancellation  -  You can cancel this account at any time by returning your Card to the Credit
Union,  along  with a  letter requesting  that we  cancel  the account.   However,  your obligation
under this and any charges made prior to cancellation will continue to  apply until you have paid
all  the  money  you   owe  on  this  account.    Additionally,  the   Credit  Union  can  cancel  this
Agreement at any time. Any joint user may also request cancellation of the account at  anytime.
18. Card Use  -  You agree  to sign the Card immediately, upon receipt. You may use the Card
issued to  you  to  make  purchases  in  person, by mail, telephone,  or  Internet  from  merchants and
others  who accept VISA cards.   In addition, you may obtain  cash advances from the Credit Union,
from   other  financial  institutions  participating  in  the   VISA  program  and   from  automated  teller
machines (ATMs),  such as VISA ATM  Network, which provide access to the VISA system.   (Not all
ATMs  provide  such access).  You  will need  to  use  your Personal  Identification Number  (PIN) to
obtain  a cash advance  from an ATM.  The monthly  statement will identify the  merchant, electronic
terminal  or financial institution at which transactions were  made, but sales, cash advance, credit or
other slips  cannot be returned with the statement. You will retain  the copy of such slips furnished at
the  time of  the transaction  in order  to verify the  monthly  statement. We may make  a  reasonable
charge  for   photocopies  of  slips  you  request.   Cash  advance  requests  made  at  any   financial
institution require that the Card be present.
19. Illegal Use  – You agree not to use your Card(s) for illegal gambling or other illegal purpose.
Display  of  a payment  card logo  by,  for  example, an  on-line  merchant does  not  necessarily
mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
20. Liability for Unauthorized Use  –  You agree to  notify us immediately, orally or in writing at
PO Box 31281, Tampa, FL 33631-3281, or telephone (866)820-5887 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/cash advances  made with your  Credit Card,  unless you
are  grossly  negligent  in the  handling  of your  Card. In the  event  of ANY  fraudulent  activity  or
unauthorized  obtainment  of  account  information,  you  hereby  agree  to notify  us  immediately
upon  notice  and  complete  all  necessary  paperwork,  not  limited  to  police  reports,  affidavits,
disclosures,  etc.  You also  agree to assist our  personnel  in obtaining and giving  information  on
potential  suspects  and  provide any  and  all needed  documents,  emails  or correspondence  to
assist  in the information of any and all fraud  related issues pertaining to your  membership.
21. Returns  and Adjustments -  Merchants and others  who honor the  Card may give credit  for
returns or adjustments,  and they will do so by  sending us a credit  slip which we will post  to your
Account. If your  credits and payments exceed what you owe us, we will hold and apply this credit
balance against future  purchases and cash  advances, or if  it is  $1 or more, refund  it upon your
written request or automatically  at 6 months. If you have returned an item  to a merchant and the
merchant  had issued a credit  to your  Card account, it may  take up to  15 days  for that credit  to
appear.
22. Foreign Transactions - Purchases and  cash advances made in foreign countries  and foreign
currencies will be billed to you  in U.S. Dollars.  You will  be  charged a transaction fee  for these
transactions of 3% of the US Dollar amount of each such transaction. This fee  will be in addition to 
any other applicable fee for the transaction type.
23, Merchant Disputes - We  are  not  responsible for the refusal of any plan merchant or financial
institution  to  honor  your Card.   We  are  subject  to claims  and defenses  (other  than  tort claims)
arising  out of  goods or  services you  purchase with the  Card  only if you  have  made a good faith
attempt, but have been unable to obtain satisfaction from the plan merchant.
24,  Security Interest  –    To  secure  your  Account,   you  grant  us  a  purchase   money  security
interest   under the  Uniform  Commercial  Code  in any goods  you  purchase  through  the Account
as  described  on your Credit  Card receipt.   If you  default, we will have the  right to  recover any  of 
these  goods.   We  will have  the  right  to recover  any of  these  goods which  have  not been  paid
for  throughout  application  of your  payments.   If  you have  given us  (or give us  in the  future)  a
security  interest  in  some of your property  (except  your  principal  dwelling)  to secure  other  credit
or   loans  from  us,  that  collateral  may   also  secure  your  Credit   Card  account.    This  security
interest   is  given  to secure  the  payment  of   all your  obligations  to   CUA and  interest  that may
accrue  thereon,  and attorneys fees  and  costs (where  federal law  permits and where  federal law
overrides  any  prohibition  of  attorneys’  fees  in  state law).   You  hereby  authorize  CUA to  apply
any  and all funds  paid in as loan  payments,  to the payment of  any obligation  at CUA.
25, Effect of Agreement -  This  Agreement  is  the contract  that  applies to  all transactions  on your
Account  even though  the sales, cash advance,  credit  or other slips you sign  or receive  may contain
different  terms.  We  may  amend  this  Agreement  from  time to  time by  sending  you  any  advance
written  notice required by law  (Change In Terms).  To  the  extent the law allows,  if the Change In

Currently the prime rate is 3.50% as  of 3/27/2016. Added to the index will be:

This notice  contains important  information about  your rights and  responsibilities under  the Fair
Credit Billing Act.

YOUR BILLING RIGHTS (Keep This Notice for Future Use)

For Credit Scores  
720 and above 
Current Rates:  

     6.65 basis points 
10.15%  APR  

Purchases/Balance Transfers                    C 

ash Advances
8.65 basis points 

           12.15% APR

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

How to  Avoid  Paying Interest on Purchases 
and Balance Transfers

5.90% Introductory APR for six (6) months. After  that, 
your APR will be 10.15%.  This APR will vary with the 
market based on the Prime Rate

12.15%
This APR will vary with the market based on the prime 
rate.

19.99%
This APR may be applied to your account if you become
three (3) billing cycles past due.

How Long Will the Penalty Rate Apply?  If your APRs are
increased for this reason, the Penalty APR will apply until
you make six (6) consecutive minimum payments by the 
payment due date.

Your due date  is at least 25 days after the close of each
Billing Cycle.  We will not charge you any interest on 
purchases/balance transfers if you pay your entire
balance by the due date each month.

For Credit Card Tips Contact the  Consumer
Financial Protection  Bureau

To learn  more  about factors to consider when applying
for  or using a credit card, visit the website of the
Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore

Fees

Set-Up and Maintenance Fees

None

Transaction Fees

* Balance Transfers

* Cash Advance

* Foreign Transactions

Penalty Fees

* Late Payment

* Returned Payment

Expedited Card Fee

$10 per transfer

$5 per cash advance item

3% of each transaction in U.S. Dollars

as much as $25

as much as $26

as much as $26

How  We Calculate Your  Balance:   We  use a  method called  “average daily balance (including  new
purchases).”  See the Average  Daily Balance paragraph  for  more  details.

Loss of Introductory APR: We may end  your Introductory Rate APR for purchases, and  balance transfers

and apply the penalty rate if you become three (3) billing cycles past due.

Billing  Rights: Information  on your  rights to  dispute transactions  and  how to exercise those  rights are
provided at the  end of this Account Agreement, under YOUR BILLING RIGHTS.

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:

Credit Union of America
Cardholder Services
PO Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:

•
•
•

Account Information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on the statement, and
At least 3 business days before an automated payment is scheduled,  if you want to
stop the 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 day 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 If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your Credit Card
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

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.)
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.
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:

  Credit Union of America
    Cardholder Services
          PO Box 31112
  Tampa, FL  33631-3112

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.

03272016

VISA PLATINUM CARD 
EFFECTIVE MARCH 27, 2016

General Agreement
A. This Agreement and disclosure statement contains the  terms and disclosures that apply to
VISATM  Platinum  Credit Card accounts with  Credit Union of  America. In this  Agreement “you,”
and “your,” “Borrower” and “Co-borrower” refers to and includes, where appropriate, all persons
who sign this Agreement. “Credit Union,” “we,” “our,” or “us” refers to Credit Union of America.
B. You agree that credit cards are issued based on our acceptance of your application at our
principal place of business in Wichita, Kansas.
C. The Agreement governs any  account for which you  are liable, now or in the future. By
signing, using, or allowing someone else to use your Account, you accept the terms of this
Agreement and agree to be bound by its terms.

1.Eligibility - You must be  a member in “good standing” with the Credit Union to be
eligible for any credit card. A member in  “good standing” means: (A) Maintaining  a minimum
$25.00  share account balance and all accounts must have a positive balance, (B) Keeping all
loan  and  credit  card accounts  with  us  current,  and (C)  Keeping  all  loan  and  credit  card
accounts with  other creditors current. If  you are not  in “good standing”  with  Credit  Union of
America and other creditors, we reserve the right to terminate your use of the Card.
2. Credit  Limit - We  will  provide you with notification of your  maximum credit limit  (A) When
you  open your  account, and (B)  Whenever a  Card is  sent to  you, and  (C) On  your  monthly
statement.  You agree the  Credit Union can change your  limit at any time.  You agree never to
use  your  Card  when   that  use  will  exceed  the  maximum   credit  limit  assigned.  We  may
reevaluate your financial condition if you request a higher credit limit, or at any other time.  This
may  include  obtaining  a  credit  bureau
report,  asking  for  current  financial  information  and
evaluating your credit performance  with us.  By giving you written notice,  we may  reduce  your
credit limit  from time to time,  or revoke your Card and terminate this Agreement.   Termination
does not affect your obligation to repay the account balance.  We  may also increase your credit
line from time to time,  as allowed by law, after evaluation of your  ability to repay the extension
of credit. If you do not wish your credit line increased, you must notify us in writing.
3. Revocation – If you revoke the authority of someone to  use your Account, the revocation is
not effective until that person’s Card expires or you return  it  to us, whichever is first. Each joint
user agrees  to pay all amounts  due for charges made by  any joint user until all  Cards are
returned to us and the balances are paid in full.  If your creditworthiness changes, you have
provided false information, you  are in default, you use  the Card for any  illegal purpose, or you
default on any other  loan with us, we may choose to revoke  your credit privileges on the  Card
with  proper  notification.  Revocation  of   charging  privileges  does  not   relieve  you   of  your
responsibility to pay any outstanding balance accrued before the revocation.
4. Credit  Information –  You  authorize us  to investigate  your credit standing  when opening,
renewing, or reviewing  your account. You  authorize us to  disclose  information regarding your
account to credit bureaus and other creditors who inquire of us about your credit outstanding, to
the extent authorized by law.
5. Minimum Monthly Payment –  Each month we will  send you a statement showing your
previous balance, any new transactions, payments, credits, FINANCE CHARGES, fees, ending
balance, credit  available, payment  due date  and minimum payment  due.   You  must make  a
minimum payment that is  2.5% of your new  balance, or $20.00,  whichever is more, PLUS the
amount of  any past  due  payments by  the payment  due date.  You  may of  course pay  more
frequently, pay  more than  the minimum payment, or  pay the  total balance in full  and you will
reduce the  FINANCE CHARGE by doing so.  If you fail  to make the  minimum payment by the
due date,  a  late charge  will apply  and use  of the  Card may  be suspended  until  payment is
received.   After  application of  the minimum payment  due, all other  payment amounts  will be
applied to the highest interest rate balance first. You  may not request payments be applied in a
specific manner    From  time to  time,  at our option, we  may  allow you  to skip your minimum
payment due.  If you choose  to skip that payment, finance charges will continue  to assess and
the next month your normal minimum payment will resume.
6. Responsibility –   If this  is  a  joint  account or  a  co-signed  account, each  person  on the
account  (borrower/co-signer)  must  sign  the  Agreement  (application).   Each  of  you  will  be
individually and jointly responsible for paying  all amounts owed under this Agreement. You are
responsible for  any charges  made by  yourself  and anyone else  to  whom you give  the  Card
and/or Account number. You cannot disclaim responsibility by notifying us, but we will close the
account for new transactions, if  you so request, and  you return all Cards.  This means that the

Credit Union  can require any  one of you,  individually, to  repay the entire  amount owed under
the  Agreement.  Your obligation to  pay the account balance  continues even through a divorce
decree agreement or other court judgment (to which we are  not a party) may direct you or one
of  the  other  persons responsible  to  pay  the  Account balance.  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 to all of you. If you have named an authorized user
and  requested a  Card  be  issued to  them, you  authorize  that  user to  make  charges to  the
account and agree to be liable for any and all charges they make.
7. Finance Charges –  The introductory (promotional) rate that you receive  when you open your
Account  will  remain  for a minimum  period  of six  (6)  months. Thereafter,  the rate  becomes a
variable  rate. On Purchases/Balance Transfers/ Cash  Advances, the index  will be the highest
Prime Rate  in the Wall Street Journal on the  15th  of the month (March, June, September, De-
cember) prior to  the  month of change  (April, July,  October,  January). Rate  changes due  to
the index changing up  or down, will affect  new transactions and existing balances. You  may
not decline acceptance of these rate changes.

Rate changes for creditworthiness will change your Annual Percentage Rate (APR) by no more
than 1  tier in  the  months of February  and August.  The increase  will affect  new transactions
only.  You will be  notified at least 45  days prior to  the date  that the new terms  take effect.  You
must  contact  us  before the  effective  date  by calling   866-820-5887  or   316-265-3272  and
decline  to accept the  new terms.  Your  account will be  closed to  charging privileges and  you
may pay off your existing balance at the current rate that is on your account.

Penalty Pricing – If you fail to make 3 consecutive monthly payments by the payment  due date,
your  Annual  Percentage  Rate  will increase  to 19.99%  on both  Purchases/Balance Transfers
and Cash  Advances for the next  six (6) month period. If  no late payments are received during
that  six (6)  month period,  your Annual  Percentage Rate  will revert  back to  the rate  on  your
account prior to the penalty phase. Penalty Pricing will apply to the  entire existing balance. 

Average  Daily Balance -  Finance Charges  for the billing  cycle are  computed by applying  the
Monthly Periodic Rate  to the average daily balance of Purchases/Balance Transfers  and  Cash
Advances  or  other charges,  which is  determined by  dividing  the sum  of  the  daily balances
during the billing cycle by the  number of days in the cycle. Each daily balance is determined by
adding  the  previous balance  of  Purchases/Balance  Transfers  or Cash  Advances,  any  new
Purchases/Balance Transfers or  Cash Advances, and  subtracting any payments  received and
credits posted to your account, but excluding any unpaid Finance Charges.

Finance Charges  will begin to accrue on  Cash Advances  including ATM  Cash  Advances from
the  date  of  the  transaction.  There  is  no grace  period  for  Cash  Advances, and  no  way  of
avoiding  paying Finance Charges  on Cash  Advances. There  is a Cash  Advance Transaction
Fee of $5.00 per Cash Advance Transaction.

There is  a grace period  on Purchases/Balance Transfers, if you pay  the balance  in full by the
payment due date.

8. Available Credit Limit –  You  may  use the Card  for purchases and  cash advances  up to
your  credit  limit. Each  purchase  or  cash  advance reduces  your  available  credit limit.  Your
payments  replenish your  available credit  limit by  the  amount of  the payment.  If  you have a
returned  payment,  we  may  restrict  usage of  your  account  (available  credit  limit) until  that
payment is corrected.

9. Fees -
A) Late Payment: You agree that a late payment fee of up to $25.00 will be charged to your
account if the Minimum Monthly Payment is not received by the payment due date.
B) Return Check:  You   agree  that  a  returned  check  fee of  up  to  $26.00 will  be
charged to your account for  any returned check, non-payment through the Automated Clearing
House (ACH) or any other payment return of any kind.
C) Documentation Charges:  You may be assessed a $2.00 charge for copies you
request  of    a  document  (sales drafts,  cash  advance  drafts,  credit  vouchers,  convenience
checks,  copies  of  statements),  plus  research  time  and  any  other   pass  through   charges
assessed  to  us by  others  in connection  with  your  Account. No  charges will  be  imposed in
connection with any good faith assertion of a billing error on your account.
D) Credit  Life and Disability Insurance: – If you choose  to purchase Credit Life or

Disability Insurance  through us, you  authorize us  to add  its cost to  your Account  each month.
Credit Life  and Disability Insurance  is voluntary and does  not have to  be purchased to obtain
credit.
E) Card Replacement Fee –  A card replacement fee of $5.00 may be assessed.
F) Balance Transfer Fee -  $10.00 per transferred balance.
G) Cash Advance  Fee –  A  cash  advance  fee of $5.00  per  cash  advance will be
applied.
H) Foreign Transactions Fee – 3% of each transaction in US dollars.
I) Expedited Card Fee –  Up to $26.00.
10. Card  Ownership -  We  issue Cards at  your request  for your use  alone, but  they are  our
property.    We  may  renew your Cards  from  time to  time.   We  may  cancel  or revoke  credit
privileges at any time without changing your liability for credit we have already extended to you.
You  agree to deliver, at our demand, all Cards bearing your Account number to us  or to our
agent.
11. Promise to Pay –  You promise to pay in U.S. Dollars for all credit which is incurred through
the authorized use of  your Account number or with the card(s) you requested.   You also agree
to pay all FINANCE CHARGES/FEES and other charges connected with your credit.
12. Default -  You  will be in default if you do not make any minimum payment or other  required
payment when  it is due.  You will be in  default if we determine  that your creditworthiness  (which
includes your  ability to  repay us)  has become  unsatisfactory due  to change in  employment, in
the event  of bankruptcy or  insolvency, if you die,  if you try to exceed  (or do  exceed) your credit
limit  without  our  permission, if  attachment  or  garnishment  proceedings  are instituted  against
you or  your property,  if you  fail to  provide updated  information, which  we request from  time to
time or  if you  fail to comply  with any  provision of this  Agreement.   You  will be  in default if  you
make   any  false   or   misleading   statements  in  any  credit  application  or  update   of  credit
information.  You  are  in  default  if  you  are  in  default  with  any  other  Credit  Union  loan  or
obligation. If you are in default, we can  demand payment of the entire balance amount that you
owe  under this  Agreement without  giving you  advance notice.  We can  accept late  or partial
payments  or  delay  enforcement, without  losing  any  of  our  rights under  this  Agreement.  If
immediate payment is demanded, you  will have to pay interest at the applicable rate until what
you  owe has been  paid in  full. If  you are  in default, you  also agree to  pay all  the usual and
customary costs  of collection  permitted by law  including court  costs and reasonable  attorney
fees. The Credit Union can exercise any other rights given by law when you are in  default. If the
law makes  any terms of this Agreement  unenforceable, the  other terms will remain in effect.
13.Change of Address -  You   will   advise   us   promptly   if  you change your mailing address.
You  also agree that we  may change  addresses when the change  is received from  the National
Change of  Address System that  we use in  conjunction  with  the United  States Postal  Service.
All written  notices and statements  from  the Credit Union  to you  will be considered given when
mailed  to  the current address as it appears on the Credit Unions’ records.  If  you  request a
replacement  Card  or PIN  and your  address change   has  not been  verified  in writing,  your
request  may  be  delayed until we receive that verification from you.
14,  Statements  and  Notices –   Will be mailed  to  you at the  most  recent address you  have
given  the  Credit  Union. Notices  sent  to  any  one borrower  will  be  considered  notice to  all
borrowers.  If  you  have signed  up  for Electronic  Statements  and your  monthly  notice  of E-
Statement availability  is returned to us,  we will attempt to  contact you  and change your email
address, if needed.  If we are unable to determine a  new email address,  we may un-enroll you
in  E-Statements and  return  you to  paper  statements.  You  may  re-enroll  at any  time  in E-
Statements by  providing  a new valid  email address  but  it may affect  the number  of prior E-
Statements  you are then  able to  access.  Keeping  a  current  email address  at  all times  will
prevent un-enrollment.
15. Authorized/Unauthorized Use –   You agree  that  “authorized use” means any purchase,
service,  cash advance,  mail order or  other credit  incurred  by the  use of  your Credit Card(s)
and/or your Account number, whether such use is by you or any other person who is allowed to
use  the  Card  or  Account number  by  you,  regardless  of the  benefit  of  use.   We  agree  to
advance  amounts  necessary to  pay  for  all  proper purchases,  services,  or  cash  advances,
provided you are not past due, in default, and abide by the terms of this Agreement.  You agree
that “unauthorized use” means the use of the   Credit Card(s) which has occurred or may occur
as  the result of  loss,  theft, or wrongdoing,  and which  is by  a person  other than  you or your
agent, who does not have actual implied or apparent authority for such use and from which you
receive  no  benefit.  You   agree  to   notify  us  promptly  upon  learning   of  the  loss,  theft  or
unauthorized use of the Card by calling us 24 hours a day/7  days  per  week  at  866-820-5887.
16. Modifications -  Any  part of this  Agreement can  be modified at  any time,  as long  as the
Credit  Union  gives  you  advance   written  notice  as  required  by  law  (see  #  25,   Effect  of
Agreement).

  
Terms is  an  Annual Percentage  Rate  (APR) due to a  change  in your creditworthiness,  the  change
will  apply  only to  your future  transactions  and  the current balance  will  remain  at  the existing  rate
prior  to the change. If  you do not  accept the creditworthiness  change,  you may  close your account
and pay off the existing  balance at the existing rate.
26.Invalidity of Provisions and Captions  – If  any  provision of this  Agreement is deemed invalid
the rest  of  this  Agreement  will  remain  in full  force  and effect.  The  paragraph  headings are  for
convenience only and do not form a part of this Agreement.
27.Delay in Enforcing Rights - We can waive or choose not to enforce any of our rights under the
Agreement at  any  time  without  the waiver  affecting  any  of  our  other rights.    A  waiver  on  one
occasion will not act as a waiver of the same right at a future time.
28. Assignment –  We  may  sell, assign or transfer your  Account, or  any portion thereof, without
notice to you.   You  may not sell, assign or  transfer your  Account without first obtaining our prior
written consent.
29. Application of Federal Law – We both agree that this Agreement is governed by the laws of
Kansas except to the extent that the federal law applies.
30. Residents of Illinois  – may  contact the Illinois Commissioner of Banks and Trust
Companies  for  comparable   information   on  interest   rates, charges,   fees  and  grace   periods.
Telephone 1-800-634-5452.  Address:  State of Illinois CIP., P.O.  Box 10181 Springfield, IL 62791.
31. WISCONSIN  RESIDENTS ONLY – Wisconsin law  provides that  no Agreement,  court  order
or individual statement  applying to marital property will effect a  creditor’s interest unless prior to
the time credit  is granted, the  creditor is furnished  with a copy of  the agreement, court  order or
statement or has knowledge of  adverse provision.
32. Overdraft Protection  – If  your application for overdraft protection using your Credit Card is
approved, you agree that if there is not enough money  in the Credit Union checking account to
cover checks you have written or other charges against the account, then the Credit Union may
deposit  or  cause  to  be  deposited  to  your   account  in  increments  of   $100.00,  the  funds
necessary to cover  such  checks  or other  charges.  Each  such  deposit will be  considered  a
Cash  Advance.  Every  time  the Credit  Union  makes a Cash  Advance  to  your  Credit Union
checking account,  the  amount  of  the  Cash  Advance  will  be  charged  to  your  Credit Card
Account.   The  Credit Union  is  not required to   make a  Cash Advance  to your  Credit  Union
checking account if the Cash Advance would cause the balance of your Credit Card Account to
exceed your Credit Limit or if your Card account is in default. If the Credit Union chooses not to
make a Cash Advance which  would cause the balance of your  Credit Card account to  exceed
your Credit  Limit,  the overdraft will  be subject to  the terms  and  conditions applicable  to your
Credit Union  checking account.   The Credit  Union  charges a Cash  Advance Fee  (FINANCE
CHARGE) of $5.00 per transaction.
33. Consensual Lien  – 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 what you  owe  under the
Visa Credit Agreement.   If you  are  in  default, you authorize us to  apply the  balance in these
accounts to any amounts due.  Shares and deposits in an Individual Retirement Account (IRA),
and 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.

17. Cancellation  -  You can cancel this account at any time by returning your Card to the Credit
Union,  along  with a  letter requesting  that we  cancel  the account.   However,  your obligation
under this and any charges made prior to cancellation will continue to  apply until you have paid
all  the  money  you   owe  on  this  account.    Additionally,  the   Credit  Union  can  cancel  this
Agreement at any time. Any joint user may also request cancellation of the account at  anytime.
18. Card Use  -  You agree  to sign the Card immediately, upon receipt. You may use the Card
issued to  you  to  make  purchases  in  person, by mail, telephone,  or  Internet  from  merchants and
others  who accept VISA cards.   In addition, you may obtain  cash advances from the Credit Union,
from   other  financial  institutions  participating  in  the   VISA  program  and   from  automated  teller
machines (ATMs),  such as VISA ATM  Network, which provide access to the VISA system.   (Not all
ATMs  provide  such access).  You  will need  to  use  your Personal  Identification Number  (PIN) to
obtain  a cash advance  from an ATM.  The monthly  statement will identify the  merchant, electronic
terminal  or financial institution at which transactions were  made, but sales, cash advance, credit or
other slips  cannot be returned with the statement. You will retain  the copy of such slips furnished at
the  time of  the transaction  in order  to verify the  monthly  statement. We may make  a  reasonable
charge  for   photocopies  of  slips  you  request.   Cash  advance  requests  made  at  any   financial
institution require that the Card be present.
19. Illegal Use  – You agree not to use your Card(s) for illegal gambling or other illegal purpose.
Display  of  a payment  card logo  by,  for  example, an  on-line  merchant does  not  necessarily
mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
20. Liability for Unauthorized Use  –  You agree to  notify us immediately, orally or in writing at
PO Box 31281, Tampa, FL 33631-3281, or telephone (866)820-5887 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/cash advances  made with your  Credit Card,  unless you
are  grossly  negligent  in the  handling  of your  Card. In the  event  of ANY  fraudulent  activity  or
unauthorized  obtainment  of  account  information,  you  hereby  agree  to notify  us  immediately
upon  notice  and  complete  all  necessary  paperwork,  not  limited  to  police  reports,  affidavits,
disclosures,  etc.  You also  agree to assist our  personnel  in obtaining and giving  information  on
potential  suspects  and  provide any  and  all needed  documents,  emails  or correspondence  to
assist  in the information of any and all fraud  related issues pertaining to your  membership.
21. Returns  and Adjustments -  Merchants and others  who honor the  Card may give credit  for
returns or adjustments,  and they will do so by  sending us a credit  slip which we will post  to your
Account. If your  credits and payments exceed what you owe us, we will hold and apply this credit
balance against future  purchases and cash  advances, or if  it is  $1 or more, refund  it upon your
written request or automatically  at 6 months. If you have returned an item  to a merchant and the
merchant  had issued a credit  to your  Card account, it may  take up to  15 days  for that credit  to
appear.
22. Foreign Transactions - Purchases and  cash advances made in foreign countries  and foreign
currencies will be billed to you  in U.S. Dollars.  You will  be  charged a transaction fee  for these
transactions of 3% of the US Dollar amount of each such transaction. This fee  will be in addition to 
any other applicable fee for the transaction type.
23, Merchant Disputes - We  are  not  responsible for the refusal of any plan merchant or financial
institution  to  honor  your Card.   We  are  subject  to claims  and defenses  (other  than  tort claims)
arising  out of  goods or  services you  purchase with the  Card  only if you  have  made a good faith
attempt, but have been unable to obtain satisfaction from the plan merchant.
24,  Security Interest  –    To  secure  your  Account,   you  grant  us  a  purchase   money  security
interest   under the  Uniform  Commercial  Code  in any goods  you  purchase  through  the Account
as  described  on your Credit  Card receipt.   If you  default, we will have the  right to  recover any  of 
these  goods.   We  will have  the  right  to recover  any of  these  goods which  have  not been  paid
for  throughout  application  of your  payments.   If  you have  given us  (or give us  in the  future)  a
security  interest  in  some of your property  (except  your  principal  dwelling)  to secure  other  credit
or   loans  from  us,  that  collateral  may   also  secure  your  Credit   Card  account.    This  security
interest   is  given  to secure  the  payment  of   all your  obligations  to   CUA and  interest  that may
accrue  thereon,  and attorneys fees  and  costs (where  federal law  permits and where  federal law
overrides  any  prohibition  of  attorneys’  fees  in  state law).   You  hereby  authorize  CUA to  apply
any  and all funds  paid in as loan  payments,  to the payment of  any obligation  at CUA.
25, Effect of Agreement -  This  Agreement  is  the contract  that  applies to  all transactions  on your
Account  even though  the sales, cash advance,  credit  or other slips you sign  or receive  may contain
different  terms.  We  may  amend  this  Agreement  from  time to  time by  sending  you  any  advance
written  notice required by law  (Change In Terms).  To  the  extent the law allows,  if the Change In

Currently the prime rate is 3.50% as  of 3/27/2016. Added to the index will be:

For Credit Scores  
690-719  
Current Rates:  

     Purchases/Balance Transfers                    C 
     8.65 basis points 
    12.15%  APR  

ash Advances 
             10.65 basis points             
           14.15% APR

YOUR BILLING RIGHTS (Keep This Notice for Future Use)

This notice  contains important  information about  your rights and  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:

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

How to  Avoid  Paying Interest on Purchases 
and Balance Transfers

5.90% Introductory APR for six (6) months. After  that, 
your APR will be 12.15%.  This APR will vary with the 
market based on the Prime Rate

14.15%
This APR will vary with the market based on the prime 
rate.

19.99%
This APR may be applied to your account if you become
three (3) billing cycles past due.

How Long Will the Penalty Rate Apply?  If your APRs are
increased for this reason, the Penalty APR will apply until
you make six (6) consecutive minimum payments by the 
payment due date.

Your due date  is at least 25 days after the close of each
Billing Cycle.  We will not charge you any interest on 
purchases/balance transfers if you pay your entire
balance by the due date each month.

For Credit Card Tips Contact the  Consumer
Financial Protection  Bureau

To learn  more  about factors to consider when applying
for  or using a credit card, visit the website of the
Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore

Fees

Set-Up and Maintenance Fees

None

Transaction Fees

* Balance Transfers

* Cash Advance

* Foreign Transactions

Penalty Fees

* Late Payment

* Returned Payment

Expedited Card Fee

$10 per transfer

$5 per cash advance item

3% of each transaction in U.S. Dollars

as much as $25

as much as $26

as much as $26

How  We Calculate Your  Balance:   We  use a  method called  “average daily balance (including  new
purchases).”  See the Average  Daily Balance paragraph  for  more  details.

Loss of Introductory APR: We may end  your Introductory Rate APR for purchases, and  balance transfers

and apply the penalty rate if you become three (3) billing cycles past due.

Billing  Rights: Information  on your  rights to  dispute transactions  and  how to exercise those  rights are
provided at the  end of this Account Agreement, under YOUR BILLING RIGHTS.

Credit Union of America
Cardholder Services
PO Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:

•
•
•

Account Information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on the statement, and
At least 3 business days before an automated payment is scheduled,  if you want to
stop the 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 day 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 If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your Credit Card
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

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.)
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.
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:

  Credit Union of America
    Cardholder Services
          PO Box 31112
  Tampa, FL  33631-3112

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.

03272016

VISA PLATINUM CARD 
EFFECTIVE MARCH 27, 2016

General Agreement
A. This Agreement and disclosure statement contains the  terms and disclosures that apply to
VISATM  Platinum  Credit Card accounts with  Credit Union of  America. In this  Agreement “you,”
and “your,” “Borrower” and “Co-borrower” refers to and includes, where appropriate, all persons
who sign this Agreement. “Credit Union,” “we,” “our,” or “us” refers to Credit Union of America.
B. You agree that credit cards are issued based on our acceptance of your application at our
principal place of business in Wichita, Kansas.
C. The Agreement governs any  account for which you  are liable, now or in the future. By
signing, using, or allowing someone else to use your Account, you accept the terms of this
Agreement and agree to be bound by its terms.

1.Eligibility - You must be  a member in “good standing” with the Credit Union to be
eligible for any credit card. A member in  “good standing” means: (A) Maintaining  a minimum
$25.00  share account balance and all accounts must have a positive balance, (B) Keeping all
loan  and  credit  card accounts  with  us  current,  and (C)  Keeping  all  loan  and  credit  card
accounts with  other creditors current. If  you are not  in “good standing”  with  Credit  Union of
America and other creditors, we reserve the right to terminate your use of the Card.
2. Credit  Limit - We  will  provide you with notification of your  maximum credit limit  (A) When
you  open your  account, and (B)  Whenever a  Card is  sent to  you, and  (C) On  your  monthly
statement.  You agree the  Credit Union can change your  limit at any time.  You agree never to
use  your  Card  when   that  use  will  exceed  the  maximum   credit  limit  assigned.  We  may
reevaluate your financial condition if you request a higher credit limit, or at any other time.  This
may  include  obtaining  a  credit  bureau
report,  asking  for  current  financial  information  and
evaluating your credit performance  with us.  By giving you written notice,  we may  reduce  your
credit limit  from time to time,  or revoke your Card and terminate this Agreement.   Termination
does not affect your obligation to repay the account balance.  We  may also increase your credit
line from time to time,  as allowed by law, after evaluation of your  ability to repay the extension
of credit. If you do not wish your credit line increased, you must notify us in writing.
3. Revocation – If you revoke the authority of someone to  use your Account, the revocation is
not effective until that person’s Card expires or you return  it  to us, whichever is first. Each joint
user agrees  to pay all amounts  due for charges made by  any joint user until all  Cards are
returned to us and the balances are paid in full.  If your creditworthiness changes, you have
provided false information, you  are in default, you use  the Card for any  illegal purpose, or you
default on any other  loan with us, we may choose to revoke  your credit privileges on the  Card
with  proper  notification.  Revocation  of   charging  privileges  does  not   relieve  you   of  your
responsibility to pay any outstanding balance accrued before the revocation.
4. Credit  Information –  You  authorize us  to investigate  your credit standing  when opening,
renewing, or reviewing  your account. You  authorize us to  disclose  information regarding your
account to credit bureaus and other creditors who inquire of us about your credit outstanding, to
the extent authorized by law.
5. Minimum Monthly Payment –  Each month we will  send you a statement showing your
previous balance, any new transactions, payments, credits, FINANCE CHARGES, fees, ending
balance, credit  available, payment  due date  and minimum payment  due.   You  must make  a
minimum payment that is  2.5% of your new  balance, or $20.00,  whichever is more, PLUS the
amount of  any past  due  payments by  the payment  due date.  You  may of  course pay  more
frequently, pay  more than  the minimum payment, or  pay the  total balance in full  and you will
reduce the  FINANCE CHARGE by doing so.  If you fail  to make the  minimum payment by the
due date,  a  late charge  will apply  and use  of the  Card may  be suspended  until  payment is
received.   After  application of  the minimum payment  due, all other  payment amounts  will be
applied to the highest interest rate balance first. You  may not request payments be applied in a
specific manner    From  time to  time,  at our option, we  may  allow you  to skip your minimum
payment due.  If you choose  to skip that payment, finance charges will continue  to assess and
the next month your normal minimum payment will resume.
6. Responsibility –   If this  is  a  joint  account or  a  co-signed  account, each  person  on the
account  (borrower/co-signer)  must  sign  the  Agreement  (application).   Each  of  you  will  be
individually and jointly responsible for paying  all amounts owed under this Agreement. You are
responsible for  any charges  made by  yourself  and anyone else  to  whom you give  the  Card
and/or Account number. You cannot disclaim responsibility by notifying us, but we will close the
account for new transactions, if  you so request, and  you return all Cards.  This means that the

Credit Union  can require any  one of you,  individually, to  repay the entire  amount owed under
the  Agreement.  Your obligation to  pay the account balance  continues even through a divorce
decree agreement or other court judgment (to which we are  not a party) may direct you or one
of  the  other  persons responsible  to  pay  the  Account balance.  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 to all of you. If you have named an authorized user
and  requested a  Card  be  issued to  them, you  authorize  that  user to  make  charges to  the
account and agree to be liable for any and all charges they make.
7. Finance Charges –  The introductory (promotional) rate that you receive  when you open your
Account  will  remain  for a minimum  period  of six  (6)  months. Thereafter,  the rate  becomes a
variable  rate. On Purchases/Balance Transfers/ Cash  Advances, the index  will be the highest
Prime Rate  in the Wall Street Journal on the  15th  of the month (March, June, September, De-
cember) prior to  the  month of change  (April, July,  October,  January). Rate  changes due  to
the index changing up  or down, will affect  new transactions and existing balances. You  may
not decline acceptance of these rate changes.

Rate changes for creditworthiness will change your Annual Percentage Rate (APR) by no more
than 1  tier in  the  months of February  and August.  The increase  will affect  new transactions
only.  You will be  notified at least 45  days prior to  the date  that the new terms  take effect.  You
must  contact  us  before the  effective  date  by calling   866-820-5887  or   316-265-3272  and
decline  to accept the  new terms.  Your  account will be  closed to  charging privileges and  you
may pay off your existing balance at the current rate that is on your account.

Penalty Pricing – If you fail to make 3 consecutive monthly payments by the payment  due date,
your  Annual  Percentage  Rate  will increase  to 19.99%  on both  Purchases/Balance Transfers
and Cash  Advances for the next  six (6) month period. If  no late payments are received during
that  six (6)  month period,  your Annual  Percentage Rate  will revert  back to  the rate  on  your
account prior to the penalty phase. Penalty Pricing will apply to the  entire existing balance. 

Average  Daily Balance -  Finance Charges  for the billing  cycle are  computed by applying  the
Monthly Periodic Rate  to the average daily balance of Purchases/Balance Transfers  and  Cash
Advances  or  other charges,  which is  determined by  dividing  the sum  of  the  daily balances
during the billing cycle by the  number of days in the cycle. Each daily balance is determined by
adding  the  previous balance  of  Purchases/Balance  Transfers  or Cash  Advances,  any  new
Purchases/Balance Transfers or  Cash Advances, and  subtracting any payments  received and
credits posted to your account, but excluding any unpaid Finance Charges.

Finance Charges  will begin to accrue on  Cash Advances  including ATM  Cash  Advances from
the  date  of  the  transaction.  There  is  no grace  period  for  Cash  Advances, and  no  way  of
avoiding  paying Finance Charges  on Cash  Advances. There  is a Cash  Advance Transaction
Fee of $5.00 per Cash Advance Transaction.

There is  a grace period  on Purchases/Balance Transfers, if you pay  the balance  in full by the
payment due date.

8. Available Credit Limit –  You  may  use the Card  for purchases and  cash advances  up to
your  credit  limit. Each  purchase  or  cash  advance reduces  your  available  credit limit.  Your
payments  replenish your  available credit  limit by  the  amount of  the payment.  If  you have a
returned  payment,  we  may  restrict  usage of  your  account  (available  credit  limit) until  that
payment is corrected.

9. Fees -
A) Late Payment: You agree that a late payment fee of up to $25.00 will be charged to your
account if the Minimum Monthly Payment is not received by the payment due date.
B) Return Check:  You   agree  that  a  returned  check  fee of  up  to  $26.00 will  be
charged to your account for  any returned check, non-payment through the Automated Clearing
House (ACH) or any other payment return of any kind.
C) Documentation Charges:  You may be assessed a $2.00 charge for copies you
request  of    a  document  (sales drafts,  cash  advance  drafts,  credit  vouchers,  convenience
checks,  copies  of  statements),  plus  research  time  and  any  other   pass  through   charges
assessed  to  us by  others  in connection  with  your  Account. No  charges will  be  imposed in
connection with any good faith assertion of a billing error on your account.
D) Credit  Life and Disability Insurance: – If you choose  to purchase Credit Life or

Disability Insurance  through us, you  authorize us  to add  its cost to  your Account  each month.
Credit Life  and Disability Insurance  is voluntary and does  not have to  be purchased to obtain
credit.
E) Card Replacement Fee –  A card replacement fee of $5.00 may be assessed.
F) Balance Transfer Fee -  $10.00 per transferred balance.
G) Cash Advance  Fee –  A  cash  advance  fee of $5.00  per  cash  advance will be
applied.
H) Foreign Transactions Fee – 3% of each transaction in US dollars.
I) Expedited Card Fee –  Up to $26.00.
10. Card  Ownership -  We  issue Cards at  your request  for your use  alone, but  they are  our
property.    We  may  renew your Cards  from  time to  time.   We  may  cancel  or revoke  credit
privileges at any time without changing your liability for credit we have already extended to you.
You  agree to deliver, at our demand, all Cards bearing your Account number to us  or to our
agent.
11. Promise to Pay –  You promise to pay in U.S. Dollars for all credit which is incurred through
the authorized use of  your Account number or with the card(s) you requested.   You also agree
to pay all FINANCE CHARGES/FEES and other charges connected with your credit.
12. Default -  You  will be in default if you do not make any minimum payment or other  required
payment when  it is due.  You will be in  default if we determine  that your creditworthiness  (which
includes your  ability to  repay us)  has become  unsatisfactory due  to change in  employment, in
the event  of bankruptcy or  insolvency, if you die,  if you try to exceed  (or do  exceed) your credit
limit  without  our  permission, if  attachment  or  garnishment  proceedings  are instituted  against
you or  your property,  if you  fail to  provide updated  information, which  we request from  time to
time or  if you  fail to comply  with any  provision of this  Agreement.   You  will be  in default if  you
make   any  false   or   misleading   statements  in  any  credit  application  or  update   of  credit
information.  You  are  in  default  if  you  are  in  default  with  any  other  Credit  Union  loan  or
obligation. If you are in default, we can  demand payment of the entire balance amount that you
owe  under this  Agreement without  giving you  advance notice.  We can  accept late  or partial
payments  or  delay  enforcement, without  losing  any  of  our  rights under  this  Agreement.  If
immediate payment is demanded, you  will have to pay interest at the applicable rate until what
you  owe has been  paid in  full. If  you are  in default, you  also agree to  pay all  the usual and
customary costs  of collection  permitted by law  including court  costs and reasonable  attorney
fees. The Credit Union can exercise any other rights given by law when you are in  default. If the
law makes  any terms of this Agreement  unenforceable, the  other terms will remain in effect.
13.Change of Address -  You   will   advise   us   promptly   if  you change your mailing address.
You  also agree that we  may change  addresses when the change  is received from  the National
Change of  Address System that  we use in  conjunction  with  the United  States Postal  Service.
All written  notices and statements  from  the Credit Union  to you  will be considered given when
mailed  to  the current address as it appears on the Credit Unions’ records.  If  you  request a
replacement  Card  or PIN  and your  address change   has  not been  verified  in writing,  your
request  may  be  delayed until we receive that verification from you.
14,  Statements  and  Notices –   Will be mailed  to  you at the  most  recent address you  have
given  the  Credit  Union. Notices  sent  to  any  one borrower  will  be  considered  notice to  all
borrowers.  If  you  have signed  up  for Electronic  Statements  and your  monthly  notice  of E-
Statement availability  is returned to us,  we will attempt to  contact you  and change your email
address, if needed.  If we are unable to determine a  new email address,  we may un-enroll you
in  E-Statements and  return  you to  paper  statements.  You  may  re-enroll  at any  time  in E-
Statements by  providing  a new valid  email address  but  it may affect  the number  of prior E-
Statements  you are then  able to  access.  Keeping  a  current  email address  at  all times  will
prevent un-enrollment.
15. Authorized/Unauthorized Use –   You agree  that  “authorized use” means any purchase,
service,  cash advance,  mail order or  other credit  incurred  by the  use of  your Credit Card(s)
and/or your Account number, whether such use is by you or any other person who is allowed to
use  the  Card  or  Account number  by  you,  regardless  of the  benefit  of  use.   We  agree  to
advance  amounts  necessary to  pay  for  all  proper purchases,  services,  or  cash  advances,
provided you are not past due, in default, and abide by the terms of this Agreement.  You agree
that “unauthorized use” means the use of the   Credit Card(s) which has occurred or may occur
as  the result of  loss,  theft, or wrongdoing,  and which  is by  a person  other than  you or your
agent, who does not have actual implied or apparent authority for such use and from which you
receive  no  benefit.  You   agree  to   notify  us  promptly  upon  learning   of  the  loss,  theft  or
unauthorized use of the Card by calling us 24 hours a day/7  days  per  week  at  866-820-5887.
16. Modifications -  Any  part of this  Agreement can  be modified at  any time,  as long  as the
Credit  Union  gives  you  advance   written  notice  as  required  by  law  (see  #  25,   Effect  of
Agreement).

  
Terms is  an  Annual Percentage  Rate  (APR) due to a  change  in your creditworthiness,  the  change
will  apply  only to  your future  transactions  and  the current balance  will  remain  at  the existing  rate
prior  to the change. If  you do not  accept the creditworthiness  change,  you may  close your account
and pay off the existing  balance at the existing rate.
26.Invalidity of Provisions and Captions  – If  any  provision of this  Agreement is deemed invalid
the rest  of  this  Agreement  will  remain  in full  force  and effect.  The  paragraph  headings are  for
convenience only and do not form a part of this Agreement.
27.Delay in Enforcing Rights - We can waive or choose not to enforce any of our rights under the
Agreement at  any  time  without  the waiver  affecting  any  of  our  other rights.    A  waiver  on  one
occasion will not act as a waiver of the same right at a future time.
28. Assignment –  We  may  sell, assign or transfer your  Account, or  any portion thereof, without
notice to you.   You  may not sell, assign or  transfer your  Account without first obtaining our prior
written consent.
29. Application of Federal Law – We both agree that this Agreement is governed by the laws of
Kansas except to the extent that the federal law applies.
30. Residents of Illinois  – may  contact the Illinois Commissioner of Banks and Trust
Companies  for  comparable   information   on  interest   rates, charges,   fees  and  grace   periods.
Telephone 1-800-634-5452.  Address:  State of Illinois CIP., P.O.  Box 10181 Springfield, IL 62791.
31. WISCONSIN  RESIDENTS ONLY – Wisconsin law  provides that  no Agreement,  court  order
or individual statement  applying to marital property will effect a  creditor’s interest unless prior to
the time credit  is granted, the  creditor is furnished  with a copy of  the agreement, court  order or
statement or has knowledge of  adverse provision.
32. Overdraft Protection  – If  your application for overdraft protection using your Credit Card is
approved, you agree that if there is not enough money  in the Credit Union checking account to
cover checks you have written or other charges against the account, then the Credit Union may
deposit  or  cause  to  be  deposited  to  your   account  in  increments  of   $100.00,  the  funds
necessary to cover  such  checks  or other  charges.  Each  such  deposit will be  considered  a
Cash  Advance.  Every  time  the Credit  Union  makes a Cash  Advance  to  your  Credit Union
checking account,  the  amount  of  the  Cash  Advance  will  be  charged  to  your  Credit Card
Account.   The  Credit Union  is  not required to   make a  Cash Advance  to your  Credit  Union
checking account if the Cash Advance would cause the balance of your Credit Card Account to
exceed your Credit Limit or if your Card account is in default. If the Credit Union chooses not to
make a Cash Advance which  would cause the balance of your  Credit Card account to  exceed
your Credit  Limit,  the overdraft will  be subject to  the terms  and  conditions applicable  to your
Credit Union  checking account.   The Credit  Union  charges a Cash  Advance Fee  (FINANCE
CHARGE) of $5.00 per transaction.
33. Consensual Lien  – 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 what you  owe  under the
Visa Credit Agreement.   If you  are  in  default, you authorize us to  apply the  balance in these
accounts to any amounts due.  Shares and deposits in an Individual Retirement Account (IRA),
and 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.

17. Cancellation  -  You can cancel this account at any time by returning your Card to the Credit
Union,  along  with a  letter requesting  that we  cancel  the account.   However,  your obligation
under this and any charges made prior to cancellation will continue to  apply until you have paid
all  the  money  you   owe  on  this  account.    Additionally,  the   Credit  Union  can  cancel  this
Agreement at any time. Any joint user may also request cancellation of the account at  anytime.
18. Card Use  -  You agree  to sign the Card immediately, upon receipt. You may use the Card
issued to  you  to  make  purchases  in  person, by mail, telephone,  or  Internet  from  merchants and
others  who accept VISA cards.   In addition, you may obtain  cash advances from the Credit Union,
from   other  financial  institutions  participating  in  the   VISA  program  and   from  automated  teller
machines (ATMs),  such as VISA ATM  Network, which provide access to the VISA system.   (Not all
ATMs  provide  such access).  You  will need  to  use  your Personal  Identification Number  (PIN) to
obtain  a cash advance  from an ATM.  The monthly  statement will identify the  merchant, electronic
terminal  or financial institution at which transactions were  made, but sales, cash advance, credit or
other slips  cannot be returned with the statement. You will retain  the copy of such slips furnished at
the  time of  the transaction  in order  to verify the  monthly  statement. We may make  a  reasonable
charge  for   photocopies  of  slips  you  request.   Cash  advance  requests  made  at  any   financial
institution require that the Card be present.
19. Illegal Use  – You agree not to use your Card(s) for illegal gambling or other illegal purpose.
Display  of  a payment  card logo  by,  for  example, an  on-line  merchant does  not  necessarily
mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
20. Liability for Unauthorized Use  –  You agree to  notify us immediately, orally or in writing at
PO Box 31281, Tampa, FL 33631-3281, or telephone (866)820-5887 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/cash advances  made with your  Credit Card,  unless you
are  grossly  negligent  in the  handling  of your  Card. In the  event  of ANY  fraudulent  activity  or
unauthorized  obtainment  of  account  information,  you  hereby  agree  to notify  us  immediately
upon  notice  and  complete  all  necessary  paperwork,  not  limited  to  police  reports,  affidavits,
disclosures,  etc.  You also  agree to assist our  personnel  in obtaining and giving  information  on
potential  suspects  and  provide any  and  all needed  documents,  emails  or correspondence  to
assist  in the information of any and all fraud  related issues pertaining to your  membership.
21. Returns  and Adjustments -  Merchants and others  who honor the  Card may give credit  for
returns or adjustments,  and they will do so by  sending us a credit  slip which we will post  to your
Account. If your  credits and payments exceed what you owe us, we will hold and apply this credit
balance against future  purchases and cash  advances, or if  it is  $1 or more, refund  it upon your
written request or automatically  at 6 months. If you have returned an item  to a merchant and the
merchant  had issued a credit  to your  Card account, it may  take up to  15 days  for that credit  to
appear.
22. Foreign Transactions - Purchases and  cash advances made in foreign countries  and foreign
currencies will be billed to you  in U.S. Dollars.  You will  be  charged a transaction fee  for these
transactions of 3% of the US Dollar amount of each such transaction. This fee  will be in addition to 
any other applicable fee for the transaction type.
23, Merchant Disputes - We  are  not  responsible for the refusal of any plan merchant or financial
institution  to  honor  your Card.   We  are  subject  to claims  and defenses  (other  than  tort claims)
arising  out of  goods or  services you  purchase with the  Card  only if you  have  made a good faith
attempt, but have been unable to obtain satisfaction from the plan merchant.
24,  Security Interest  –    To  secure  your  Account,   you  grant  us  a  purchase   money  security
interest   under the  Uniform  Commercial  Code  in any goods  you  purchase  through  the Account
as  described  on your Credit  Card receipt.   If you  default, we will have the  right to  recover any  of 
these  goods.   We  will have  the  right  to recover  any of  these  goods which  have  not been  paid
for  throughout  application  of your  payments.   If  you have  given us  (or give us  in the  future)  a
security  interest  in  some of your property  (except  your  principal  dwelling)  to secure  other  credit
or   loans  from  us,  that  collateral  may   also  secure  your  Credit   Card  account.    This  security
interest   is  given  to secure  the  payment  of   all your  obligations  to   CUA and  interest  that may
accrue  thereon,  and attorneys fees  and  costs (where  federal law  permits and where  federal law
overrides  any  prohibition  of  attorneys’  fees  in  state law).   You  hereby  authorize  CUA to  apply
any  and all funds  paid in as loan  payments,  to the payment of  any obligation  at CUA.
25, Effect of Agreement -  This  Agreement  is  the contract  that  applies to  all transactions  on your
Account  even though  the sales, cash advance,  credit  or other slips you sign  or receive  may contain
different  terms.  We  may  amend  this  Agreement  from  time to  time by  sending  you  any  advance
written  notice required by law  (Change In Terms).  To  the  extent the law allows,  if the Change In

Currently the prime rate is 3.50% as  of 3/27/2016. Added to the index will be:

For Credit Scores  
650-689, no score  
Current Rates:  

     Purchases/Balance Transfers                    C 
     10.65 basis points 
    14.15%  APR  

ash Advances 
             12.65 basis points            
           16.15% APR

YOUR BILLING RIGHTS (Keep This Notice for Future Use)

This notice  contains important  information about  your rights and  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:

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

How to  Avoid  Paying Interest on Purchases 
and Balance Transfers

5.90% Introductory APR for six (6) months. After  that, 
your APR will be 14.15%.  This APR will vary with the 
market based on the Prime Rate

16.15%
This APR will vary with the market based on the prime 
rate.

19.99%
This APR may be applied to your account if you become
three (3) billing cycles past due.

How Long Will the Penalty Rate Apply?  If your APRs are
increased for this reason, the Penalty APR will apply until
you make six (6) consecutive minimum payments by the 
payment due date.

Your due date  is at least 25 days after the close of each
Billing Cycle.  We will not charge you any interest on 
purchases/balance transfers if you pay your entire
balance by the due date each month.

For Credit Card Tips Contact the  Consumer
Financial Protection  Bureau

To learn  more  about factors to consider when applying
for  or using a credit card, visit the website of the
Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore

Fees

Set-Up and Maintenance Fees

None

Transaction Fees

* Balance Transfers

* Cash Advance

* Foreign Transactions

Penalty Fees

* Late Payment

* Returned Payment

Expedited Card Fee

$10 per transfer

$5 per cash advance item

3% of each transaction in U.S. Dollars

as much as $25

as much as $26

as much as $26

How  We Calculate Your  Balance:   We  use a  method called  “average daily balance (including  new
purchases).”  See the Average  Daily Balance paragraph  for  more  details.

Loss of Introductory APR: We may end  your Introductory Rate APR for purchases, and  balance transfers

and apply the penalty rate if you become three (3) billing cycles past due.

Billing  Rights: Information  on your  rights to  dispute transactions  and  how to exercise those  rights are
provided at the  end of this Account Agreement, under YOUR BILLING RIGHTS.

Credit Union of America
Cardholder Services
PO Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:

•
•
•

Account Information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on the statement, and
At least 3 business days before an automated payment is scheduled,  if you want to
stop the 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 day 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 If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your Credit Card
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

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.)
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.
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:

  Credit Union of America
    Cardholder Services
          PO Box 31112
  Tampa, FL  33631-3112

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.

03272016

VISA PLATINUM CARD 
EFFECTIVE MARCH 27, 2016

General Agreement
A. This Agreement and disclosure statement contains the  terms and disclosures that apply to
VISATM  Platinum  Credit Card accounts with  Credit Union of  America. In this  Agreement “you,”
and “your,” “Borrower” and “Co-borrower” refers to and includes, where appropriate, all persons
who sign this Agreement. “Credit Union,” “we,” “our,” or “us” refers to Credit Union of America.
B. You agree that credit cards are issued based on our acceptance of your application at our
principal place of business in Wichita, Kansas.
C. The Agreement governs any  account for which you  are liable, now or in the future. By
signing, using, or allowing someone else to use your Account, you accept the terms of this
Agreement and agree to be bound by its terms.

1.Eligibility - You must be  a member in “good standing” with the Credit Union to be
eligible for any credit card. A member in  “good standing” means: (A) Maintaining  a minimum
$25.00  share account balance and all accounts must have a positive balance, (B) Keeping all
loan  and  credit  card accounts  with  us  current,  and (C)  Keeping  all  loan  and  credit  card
accounts with  other creditors current. If  you are not  in “good standing”  with  Credit  Union of
America and other creditors, we reserve the right to terminate your use of the Card.
2. Credit  Limit - We  will  provide you with notification of your  maximum credit limit  (A) When
you  open your  account, and (B)  Whenever a  Card is  sent to  you, and  (C) On  your  monthly
statement.  You agree the  Credit Union can change your  limit at any time.  You agree never to
use  your  Card  when   that  use  will  exceed  the  maximum   credit  limit  assigned.  We  may
reevaluate your financial condition if you request a higher credit limit, or at any other time.  This
may  include  obtaining  a  credit  bureau
report,  asking  for  current  financial  information  and
evaluating your credit performance  with us.  By giving you written notice,  we may  reduce  your
credit limit  from time to time,  or revoke your Card and terminate this Agreement.   Termination
does not affect your obligation to repay the account balance.  We  may also increase your credit
line from time to time,  as allowed by law, after evaluation of your  ability to repay the extension
of credit. If you do not wish your credit line increased, you must notify us in writing.
3. Revocation – If you revoke the authority of someone to  use your Account, the revocation is
not effective until that person’s Card expires or you return  it  to us, whichever is first. Each joint
user agrees  to pay all amounts  due for charges made by  any joint user until all  Cards are
returned to us and the balances are paid in full.  If your creditworthiness changes, you have
provided false information, you  are in default, you use  the Card for any  illegal purpose, or you
default on any other  loan with us, we may choose to revoke  your credit privileges on the  Card
with  proper  notification.  Revocation  of   charging  privileges  does  not   relieve  you   of  your
responsibility to pay any outstanding balance accrued before the revocation.
4. Credit  Information –  You  authorize us  to investigate  your credit standing  when opening,
renewing, or reviewing  your account. You  authorize us to  disclose  information regarding your
account to credit bureaus and other creditors who inquire of us about your credit outstanding, to
the extent authorized by law.
5. Minimum Monthly Payment –  Each month we will  send you a statement showing your
previous balance, any new transactions, payments, credits, FINANCE CHARGES, fees, ending
balance, credit  available, payment  due date  and minimum payment  due.   You  must make  a
minimum payment that is  2.5% of your new  balance, or $20.00,  whichever is more, PLUS the
amount of  any past  due  payments by  the payment  due date.  You  may of  course pay  more
frequently, pay  more than  the minimum payment, or  pay the  total balance in full  and you will
reduce the  FINANCE CHARGE by doing so.  If you fail  to make the  minimum payment by the
due date,  a  late charge  will apply  and use  of the  Card may  be suspended  until  payment is
received.   After  application of  the minimum payment  due, all other  payment amounts  will be
applied to the highest interest rate balance first. You  may not request payments be applied in a
specific manner    From  time to  time,  at our option, we  may  allow you  to skip your minimum
payment due.  If you choose  to skip that payment, finance charges will continue  to assess and
the next month your normal minimum payment will resume.
6. Responsibility –   If this  is  a  joint  account or  a  co-signed  account, each  person  on the
account  (borrower/co-signer)  must  sign  the  Agreement  (application).   Each  of  you  will  be
individually and jointly responsible for paying  all amounts owed under this Agreement. You are
responsible for  any charges  made by  yourself  and anyone else  to  whom you give  the  Card
and/or Account number. You cannot disclaim responsibility by notifying us, but we will close the
account for new transactions, if  you so request, and  you return all Cards.  This means that the

Credit Union  can require any  one of you,  individually, to  repay the entire  amount owed under
the  Agreement.  Your obligation to  pay the account balance  continues even through a divorce
decree agreement or other court judgment (to which we are  not a party) may direct you or one
of  the  other  persons responsible  to  pay  the  Account balance.  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 to all of you. If you have named an authorized user
and  requested a  Card  be  issued to  them, you  authorize  that  user to  make  charges to  the
account and agree to be liable for any and all charges they make.
7. Finance Charges –  The introductory (promotional) rate that you receive  when you open your
Account  will  remain  for a minimum  period  of six  (6)  months. Thereafter,  the rate  becomes a
variable  rate. On Purchases/Balance Transfers/ Cash  Advances, the index  will be the highest
Prime Rate  in the Wall Street Journal on the  15th  of the month (March, June, September, De-
cember) prior to  the  month of change  (April, July,  October,  January). Rate  changes due  to
the index changing up  or down, will affect  new transactions and existing balances. You  may
not decline acceptance of these rate changes.

Rate changes for creditworthiness will change your Annual Percentage Rate (APR) by no more
than 1  tier in  the  months of February  and August.  The increase  will affect  new transactions
only.  You will be  notified at least 45  days prior to  the date  that the new terms  take effect.  You
must  contact  us  before the  effective  date  by calling   866-820-5887  or   316-265-3272  and
decline  to accept the  new terms.  Your  account will be  closed to  charging privileges and  you
may pay off your existing balance at the current rate that is on your account.

Penalty Pricing – If you fail to make 3 consecutive monthly payments by the payment  due date,
your  Annual  Percentage  Rate  will increase  to 19.99%  on both  Purchases/Balance Transfers
and Cash  Advances for the next  six (6) month period. If  no late payments are received during
that  six (6)  month period,  your Annual  Percentage Rate  will revert  back to  the rate  on  your
account prior to the penalty phase. Penalty Pricing will apply to the  entire existing balance. 

Average  Daily Balance -  Finance Charges  for the billing  cycle are  computed by applying  the
Monthly Periodic Rate  to the average daily balance of Purchases/Balance Transfers  and  Cash
Advances  or  other charges,  which is  determined by  dividing  the sum  of  the  daily balances
during the billing cycle by the  number of days in the cycle. Each daily balance is determined by
adding  the  previous balance  of  Purchases/Balance  Transfers  or Cash  Advances,  any  new
Purchases/Balance Transfers or  Cash Advances, and  subtracting any payments  received and
credits posted to your account, but excluding any unpaid Finance Charges.

Finance Charges  will begin to accrue on  Cash Advances  including ATM  Cash  Advances from
the  date  of  the  transaction.  There  is  no grace  period  for  Cash  Advances, and  no  way  of
avoiding  paying Finance Charges  on Cash  Advances. There  is a Cash  Advance Transaction
Fee of $5.00 per Cash Advance Transaction.

There is  a grace period  on Purchases/Balance Transfers, if you pay  the balance  in full by the
payment due date.

8. Available Credit Limit –  You  may  use the Card  for purchases and  cash advances  up to
your  credit  limit. Each  purchase  or  cash  advance reduces  your  available  credit limit.  Your
payments  replenish your  available credit  limit by  the  amount of  the payment.  If  you have a
returned  payment,  we  may  restrict  usage of  your  account  (available  credit  limit) until  that
payment is corrected.

9. Fees -
A) Late Payment: You agree that a late payment fee of up to $25.00 will be charged to your
account if the Minimum Monthly Payment is not received by the payment due date.
B) Return Check:  You   agree  that  a  returned  check  fee of  up  to  $26.00 will  be
charged to your account for  any returned check, non-payment through the Automated Clearing
House (ACH) or any other payment return of any kind.
C) Documentation Charges:  You may be assessed a $2.00 charge for copies you
request  of    a  document  (sales drafts,  cash  advance  drafts,  credit  vouchers,  convenience
checks,  copies  of  statements),  plus  research  time  and  any  other   pass  through   charges
assessed  to  us by  others  in connection  with  your  Account. No  charges will  be  imposed in
connection with any good faith assertion of a billing error on your account.
D) Credit  Life and Disability Insurance: – If you choose  to purchase Credit Life or

Disability Insurance  through us, you  authorize us  to add  its cost to  your Account  each month.
Credit Life  and Disability Insurance  is voluntary and does  not have to  be purchased to obtain
credit.
E) Card Replacement Fee –  A card replacement fee of $5.00 may be assessed.
F) Balance Transfer Fee -  $10.00 per transferred balance.
G) Cash Advance  Fee –  A  cash  advance  fee of $5.00  per  cash  advance will be
applied.
H) Foreign Transactions Fee – 3% of each transaction in US dollars.
I) Expedited Card Fee –  Up to $26.00.
10. Card  Ownership -  We  issue Cards at  your request  for your use  alone, but  they are  our
property.    We  may  renew your Cards  from  time to  time.   We  may  cancel  or revoke  credit
privileges at any time without changing your liability for credit we have already extended to you.
You  agree to deliver, at our demand, all Cards bearing your Account number to us  or to our
agent.
11. Promise to Pay –  You promise to pay in U.S. Dollars for all credit which is incurred through
the authorized use of  your Account number or with the card(s) you requested.   You also agree
to pay all FINANCE CHARGES/FEES and other charges connected with your credit.
12. Default -  You  will be in default if you do not make any minimum payment or other  required
payment when  it is due.  You will be in  default if we determine  that your creditworthiness  (which
includes your  ability to  repay us)  has become  unsatisfactory due  to change in  employment, in
the event  of bankruptcy or  insolvency, if you die,  if you try to exceed  (or do  exceed) your credit
limit  without  our  permission, if  attachment  or  garnishment  proceedings  are instituted  against
you or  your property,  if you  fail to  provide updated  information, which  we request from  time to
time or  if you  fail to comply  with any  provision of this  Agreement.   You  will be  in default if  you
make   any  false   or   misleading   statements  in  any  credit  application  or  update   of  credit
information.  You  are  in  default  if  you  are  in  default  with  any  other  Credit  Union  loan  or
obligation. If you are in default, we can  demand payment of the entire balance amount that you
owe  under this  Agreement without  giving you  advance notice.  We can  accept late  or partial
payments  or  delay  enforcement, without  losing  any  of  our  rights under  this  Agreement.  If
immediate payment is demanded, you  will have to pay interest at the applicable rate until what
you  owe has been  paid in  full. If  you are  in default, you  also agree to  pay all  the usual and
customary costs  of collection  permitted by law  including court  costs and reasonable  attorney
fees. The Credit Union can exercise any other rights given by law when you are in  default. If the
law makes  any terms of this Agreement  unenforceable, the  other terms will remain in effect.
13.Change of Address -  You   will   advise   us   promptly   if  you change your mailing address.
You  also agree that we  may change  addresses when the change  is received from  the National
Change of  Address System that  we use in  conjunction  with  the United  States Postal  Service.
All written  notices and statements  from  the Credit Union  to you  will be considered given when
mailed  to  the current address as it appears on the Credit Unions’ records.  If  you  request a
replacement  Card  or PIN  and your  address change   has  not been  verified  in writing,  your
request  may  be  delayed until we receive that verification from you.
14,  Statements  and  Notices –   Will be mailed  to  you at the  most  recent address you  have
given  the  Credit  Union. Notices  sent  to  any  one borrower  will  be  considered  notice to  all
borrowers.  If  you  have signed  up  for Electronic  Statements  and your  monthly  notice  of E-
Statement availability  is returned to us,  we will attempt to  contact you  and change your email
address, if needed.  If we are unable to determine a  new email address,  we may un-enroll you
in  E-Statements and  return  you to  paper  statements.  You  may  re-enroll  at any  time  in E-
Statements by  providing  a new valid  email address  but  it may affect  the number  of prior E-
Statements  you are then  able to  access.  Keeping  a  current  email address  at  all times  will
prevent un-enrollment.
15. Authorized/Unauthorized Use –   You agree  that  “authorized use” means any purchase,
service,  cash advance,  mail order or  other credit  incurred  by the  use of  your Credit Card(s)
and/or your Account number, whether such use is by you or any other person who is allowed to
use  the  Card  or  Account number  by  you,  regardless  of the  benefit  of  use.   We  agree  to
advance  amounts  necessary to  pay  for  all  proper purchases,  services,  or  cash  advances,
provided you are not past due, in default, and abide by the terms of this Agreement.  You agree
that “unauthorized use” means the use of the   Credit Card(s) which has occurred or may occur
as  the result of  loss,  theft, or wrongdoing,  and which  is by  a person  other than  you or your
agent, who does not have actual implied or apparent authority for such use and from which you
receive  no  benefit.  You   agree  to   notify  us  promptly  upon  learning   of  the  loss,  theft  or
unauthorized use of the Card by calling us 24 hours a day/7  days  per  week  at  866-820-5887.
16. Modifications -  Any  part of this  Agreement can  be modified at  any time,  as long  as the
Credit  Union  gives  you  advance   written  notice  as  required  by  law  (see  #  25,   Effect  of
Agreement).

  
Terms is  an  Annual Percentage  Rate  (APR) due to a  change  in your creditworthiness,  the  change
will  apply  only to  your future  transactions  and  the current balance  will  remain  at  the existing  rate
prior  to the change. If  you do not  accept the creditworthiness  change,  you may  close your account
and pay off the existing  balance at the existing rate.
26.Invalidity of Provisions and Captions  – If  any  provision of this  Agreement is deemed invalid
the rest  of  this  Agreement  will  remain  in full  force  and effect.  The  paragraph  headings are  for
convenience only and do not form a part of this Agreement.
27.Delay in Enforcing Rights - We can waive or choose not to enforce any of our rights under the
Agreement at  any  time  without  the waiver  affecting  any  of  our  other rights.    A  waiver  on  one
occasion will not act as a waiver of the same right at a future time.
28. Assignment –  We  may  sell, assign or transfer your  Account, or  any portion thereof, without
notice to you.   You  may not sell, assign or  transfer your  Account without first obtaining our prior
written consent.
29. Application of Federal Law – We both agree that this Agreement is governed by the laws of
Kansas except to the extent that the federal law applies.
30. Residents of Illinois  – may  contact the Illinois Commissioner of Banks and Trust
Companies  for  comparable   information   on  interest   rates, charges,   fees  and  grace   periods.
Telephone 1-800-634-5452.  Address:  State of Illinois CIP., P.O.  Box 10181 Springfield, IL 62791.
31. WISCONSIN  RESIDENTS ONLY – Wisconsin law  provides that  no Agreement,  court  order
or individual statement  applying to marital property will effect a  creditor’s interest unless prior to
the time credit  is granted, the  creditor is furnished  with a copy of  the agreement, court  order or
statement or has knowledge of  adverse provision.
32. Overdraft Protection  – If  your application for overdraft protection using your Credit Card is
approved, you agree that if there is not enough money  in the Credit Union checking account to
cover checks you have written or other charges against the account, then the Credit Union may
deposit  or  cause  to  be  deposited  to  your   account  in  increments  of   $100.00,  the  funds
necessary to cover  such  checks  or other  charges.  Each  such  deposit will be  considered  a
Cash  Advance.  Every  time  the Credit  Union  makes a Cash  Advance  to  your  Credit Union
checking account,  the  amount  of  the  Cash  Advance  will  be  charged  to  your  Credit Card
Account.   The  Credit Union  is  not required to   make a  Cash Advance  to your  Credit  Union
checking account if the Cash Advance would cause the balance of your Credit Card Account to
exceed your Credit Limit or if your Card account is in default. If the Credit Union chooses not to
make a Cash Advance which  would cause the balance of your  Credit Card account to  exceed
your Credit  Limit,  the overdraft will  be subject to  the terms  and  conditions applicable  to your
Credit Union  checking account.   The Credit  Union  charges a Cash  Advance Fee  (FINANCE
CHARGE) of $5.00 per transaction.
33. Consensual Lien  – 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 what you  owe  under the
Visa Credit Agreement.   If you  are  in  default, you authorize us to  apply the  balance in these
accounts to any amounts due.  Shares and deposits in an Individual Retirement Account (IRA),
and 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.

17. Cancellation  -  You can cancel this account at any time by returning your Card to the Credit
Union,  along  with a  letter requesting  that we  cancel  the account.   However,  your obligation
under this and any charges made prior to cancellation will continue to  apply until you have paid
all  the  money  you   owe  on  this  account.    Additionally,  the   Credit  Union  can  cancel  this
Agreement at any time. Any joint user may also request cancellation of the account at  anytime.
18. Card Use  -  You agree  to sign the Card immediately, upon receipt. You may use the Card
issued to  you  to  make  purchases  in  person, by mail, telephone,  or  Internet  from  merchants and
others  who accept VISA cards.   In addition, you may obtain  cash advances from the Credit Union,
from   other  financial  institutions  participating  in  the   VISA  program  and   from  automated  teller
machines (ATMs),  such as VISA ATM  Network, which provide access to the VISA system.   (Not all
ATMs  provide  such access).  You  will need  to  use  your Personal  Identification Number  (PIN) to
obtain  a cash advance  from an ATM.  The monthly  statement will identify the  merchant, electronic
terminal  or financial institution at which transactions were  made, but sales, cash advance, credit or
other slips  cannot be returned with the statement. You will retain  the copy of such slips furnished at
the  time of  the transaction  in order  to verify the  monthly  statement. We may make  a  reasonable
charge  for   photocopies  of  slips  you  request.   Cash  advance  requests  made  at  any   financial
institution require that the Card be present.
19. Illegal Use  – You agree not to use your Card(s) for illegal gambling or other illegal purpose.
Display  of  a payment  card logo  by,  for  example, an  on-line  merchant does  not  necessarily
mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
20. Liability for Unauthorized Use  –  You agree to  notify us immediately, orally or in writing at
PO Box 31281, Tampa, FL 33631-3281, or telephone (866)820-5887 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/cash advances  made with your  Credit Card,  unless you
are  grossly  negligent  in the  handling  of your  Card. In the  event  of ANY  fraudulent  activity  or
unauthorized  obtainment  of  account  information,  you  hereby  agree  to notify  us  immediately
upon  notice  and  complete  all  necessary  paperwork,  not  limited  to  police  reports,  affidavits,
disclosures,  etc.  You also  agree to assist our  personnel  in obtaining and giving  information  on
potential  suspects  and  provide any  and  all needed  documents,  emails  or correspondence  to
assist  in the information of any and all fraud  related issues pertaining to your  membership.
21. Returns  and Adjustments -  Merchants and others  who honor the  Card may give credit  for
returns or adjustments,  and they will do so by  sending us a credit  slip which we will post  to your
Account. If your  credits and payments exceed what you owe us, we will hold and apply this credit
balance against future  purchases and cash  advances, or if  it is  $1 or more, refund  it upon your
written request or automatically  at 6 months. If you have returned an item  to a merchant and the
merchant  had issued a credit  to your  Card account, it may  take up to  15 days  for that credit  to
appear.
22. Foreign Transactions - Purchases and  cash advances made in foreign countries  and foreign
currencies will be billed to you  in U.S. Dollars.  You will  be  charged a transaction fee  for these
transactions of 3% of the US Dollar amount of each such transaction. This fee  will be in addition to 
any other applicable fee for the transaction type.
23, Merchant Disputes - We  are  not  responsible for the refusal of any plan merchant or financial
institution  to  honor  your Card.   We  are  subject  to claims  and defenses  (other  than  tort claims)
arising  out of  goods or  services you  purchase with the  Card  only if you  have  made a good faith
attempt, but have been unable to obtain satisfaction from the plan merchant.
24,  Security Interest  –    To  secure  your  Account,   you  grant  us  a  purchase   money  security
interest   under the  Uniform  Commercial  Code  in any goods  you  purchase  through  the Account
as  described  on your Credit  Card receipt.   If you  default, we will have the  right to  recover any  of 
these  goods.   We  will have  the  right  to recover  any of  these  goods which  have  not been  paid
for  throughout  application  of your  payments.   If  you have  given us  (or give us  in the  future)  a
security  interest  in  some of your property  (except  your  principal  dwelling)  to secure  other  credit
or   loans  from  us,  that  collateral  may   also  secure  your  Credit   Card  account.    This  security
interest   is  given  to secure  the  payment  of   all your  obligations  to   CUA and  interest  that may
accrue  thereon,  and attorneys fees  and  costs (where  federal law  permits and where  federal law
overrides  any  prohibition  of  attorneys’  fees  in  state law).   You  hereby  authorize  CUA to  apply
any  and all funds  paid in as loan  payments,  to the payment of  any obligation  at CUA.
25, Effect of Agreement -  This  Agreement  is  the contract  that  applies to  all transactions  on your
Account  even though  the sales, cash advance,  credit  or other slips you sign  or receive  may contain
different  terms.  We  may  amend  this  Agreement  from  time to  time by  sending  you  any  advance
written  notice required by law  (Change In Terms).  To  the  extent the law allows,  if the Change In

Currently the prime rate is 3.50% as  of 3/27/2016. Added to the index will be:

For Credit Scores  
610-649      
Current Rates:  

     Purchases/Balance Transfers                    C 
     12.65 basis points 
    16.15%  APR  

ash Advances 
             14.65 basis points             
           18.15% APR

YOUR BILLING RIGHTS (Keep This Notice for Future Use)

This notice  contains important  information about  your rights and  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:

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

How to  Avoid  Paying Interest on Purchases 
and Balance Transfers

5.90% Introductory APR for six (6) months. After  that, 
your APR will be 16.15%.  This APR will vary with the 
market based on the Prime Rate

18.15%
This APR will vary with the market based on the prime 
rate.

19.99%
This APR may be applied to your account if you become
three (3) billing cycles past due.

How Long Will the Penalty Rate Apply?  If your APRs are
increased for this reason, the Penalty APR will apply until
you make six (6) consecutive minimum payments by the 
payment due date.

Your due date  is at least 25 days after the close of each
Billing Cycle.  We will not charge you any interest on 
purchases/balance transfers if you pay your entire
balance by the due date each month.

For Credit Card Tips Contact the  Consumer
Financial Protection  Bureau

To learn  more  about factors to consider when applying
for  or using a credit card, visit the website of the
Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore

Fees

Set-Up and Maintenance Fees

None

Transaction Fees

* Balance Transfers

* Cash Advance

* Foreign Transactions

Penalty Fees

* Late Payment

* Returned Payment

Expedited Card Fee

$10 per transfer

$5 per cash advance item

3% of each transaction in U.S. Dollars

as much as $25

as much as $26

as much as $26

How  We Calculate Your  Balance:   We  use a  method called  “average daily balance (including  new
purchases).”  See the Average  Daily Balance paragraph  for  more  details.

Loss of Introductory APR: We may end  your Introductory Rate APR for purchases, and  balance transfers

and apply the penalty rate if you become three (3) billing cycles past due.

Billing  Rights: Information  on your  rights to  dispute transactions  and  how to exercise those  rights are
provided at the  end of this Account Agreement, under YOUR BILLING RIGHTS.

Credit Union of America
Cardholder Services
PO Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:

•
•
•

Account Information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on the statement, and
At least 3 business days before an automated payment is scheduled,  if you want to
stop the 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 day 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 If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your Credit Card
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1.

2.

3.

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.)
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.
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:

  Credit Union of America
    Cardholder Services
          PO Box 31112
  Tampa, FL  33631-3112

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.

03272016

VISA PLATINUM CARD 
EFFECTIVE MARCH 27, 2016

General Agreement
A. This Agreement and disclosure statement contains the  terms and disclosures that apply to
VISATM  Platinum  Credit Card accounts with  Credit Union of  America. In this  Agreement “you,”
and “your,” “Borrower” and “Co-borrower” refers to and includes, where appropriate, all persons
who sign this Agreement. “Credit Union,” “we,” “our,” or “us” refers to Credit Union of America.
B. You agree that credit cards are issued based on our acceptance of your application at our
principal place of business in Wichita, Kansas.
C. The Agreement governs any  account for which you  are liable, now or in the future. By
signing, using, or allowing someone else to use your Account, you accept the terms of this
Agreement and agree to be bound by its terms.

1.Eligibility - You must be  a member in “good standing” with the Credit Union to be
eligible for any credit card. A member in  “good standing” means: (A) Maintaining  a minimum
$25.00  share account balance and all accounts must have a positive balance, (B) Keeping all
loan  and  credit  card accounts  with  us  current,  and (C)  Keeping  all  loan  and  credit  card
accounts with  other creditors current. If  you are not  in “good standing”  with  Credit  Union of
America and other creditors, we reserve the right to terminate your use of the Card.
2. Credit  Limit - We  will  provide you with notification of your  maximum credit limit  (A) When
you  open your  account, and (B)  Whenever a  Card is  sent to  you, and  (C) On  your  monthly
statement.  You agree the  Credit Union can change your  limit at any time.  You agree never to
use  your  Card  when   that  use  will  exceed  the  maximum   credit  limit  assigned.  We  may
reevaluate your financial condition if you request a higher credit limit, or at any other time.  This
may  include  obtaining  a  credit  bureau
report,  asking  for  current  financial  information  and
evaluating your credit performance  with us.  By giving you written notice,  we may  reduce  your
credit limit  from time to time,  or revoke your Card and terminate this Agreement.   Termination
does not affect your obligation to repay the account balance.  We  may also increase your credit
line from time to time,  as allowed by law, after evaluation of your  ability to repay the extension
of credit. If you do not wish your credit line increased, you must notify us in writing.
3. Revocation – If you revoke the authority of someone to  use your Account, the revocation is
not effective until that person’s Card expires or you return  it  to us, whichever is first. Each joint
user agrees  to pay all amounts  due for charges made by  any joint user until all  Cards are
returned to us and the balances are paid in full.  If your creditworthiness changes, you have
provided false information, you  are in default, you use  the Card for any  illegal purpose, or you
default on any other  loan with us, we may choose to revoke  your credit privileges on the  Card
with  proper  notification.  Revocation  of   charging  privileges  does  not   relieve  you   of  your
responsibility to pay any outstanding balance accrued before the revocation.
4. Credit  Information –  You  authorize us  to investigate  your credit standing  when opening,
renewing, or reviewing  your account. You  authorize us to  disclose  information regarding your
account to credit bureaus and other creditors who inquire of us about your credit outstanding, to
the extent authorized by law.
5. Minimum Monthly Payment –  Each month we will  send you a statement showing your
previous balance, any new transactions, payments, credits, FINANCE CHARGES, fees, ending
balance, credit  available, payment  due date  and minimum payment  due.   You  must make  a
minimum payment that is  2.5% of your new  balance, or $20.00,  whichever is more, PLUS the
amount of  any past  due  payments by  the payment  due date.  You  may of  course pay  more
frequently, pay  more than  the minimum payment, or  pay the  total balance in full  and you will
reduce the  FINANCE CHARGE by doing so.  If you fail  to make the  minimum payment by the
due date,  a  late charge  will apply  and use  of the  Card may  be suspended  until  payment is
received.   After  application of  the minimum payment  due, all other  payment amounts  will be
applied to the highest interest rate balance first. You  may not request payments be applied in a
specific manner    From  time to  time,  at our option, we  may  allow you  to skip your minimum
payment due.  If you choose  to skip that payment, finance charges will continue  to assess and
the next month your normal minimum payment will resume.
6. Responsibility –   If this  is  a  joint  account or  a  co-signed  account, each  person  on the
account  (borrower/co-signer)  must  sign  the  Agreement  (application).   Each  of  you  will  be
individually and jointly responsible for paying  all amounts owed under this Agreement. You are
responsible for  any charges  made by  yourself  and anyone else  to  whom you give  the  Card
and/or Account number. You cannot disclaim responsibility by notifying us, but we will close the
account for new transactions, if  you so request, and  you return all Cards.  This means that the

Credit Union  can require any  one of you,  individually, to  repay the entire  amount owed under
the  Agreement.  Your obligation to  pay the account balance  continues even through a divorce
decree agreement or other court judgment (to which we are  not a party) may direct you or one
of  the  other  persons responsible  to  pay  the  Account balance.  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 to all of you. If you have named an authorized user
and  requested a  Card  be  issued to  them, you  authorize  that  user to  make  charges to  the
account and agree to be liable for any and all charges they make.
7. Finance Charges –  The introductory (promotional) rate that you receive  when you open your
Account  will  remain  for a minimum  period  of six  (6)  months. Thereafter,  the rate  becomes a
variable  rate. On Purchases/Balance Transfers/ Cash  Advances, the index  will be the highest
Prime Rate  in the Wall Street Journal on the  15th  of the month (March, June, September, De-
cember) prior to  the  month of change  (April, July,  October,  January). Rate  changes due  to
the index changing up  or down, will affect  new transactions and existing balances. You  may
not decline acceptance of these rate changes.

Rate changes for creditworthiness will change your Annual Percentage Rate (APR) by no more
than 1  tier in  the  months of February  and August.  The increase  will affect  new transactions
only.  You will be  notified at least 45  days prior to  the date  that the new terms  take effect.  You
must  contact  us  before the  effective  date  by calling   866-820-5887  or   316-265-3272  and
decline  to accept the  new terms.  Your  account will be  closed to  charging privileges and  you
may pay off your existing balance at the current rate that is on your account.

Penalty Pricing – If you fail to make 3 consecutive monthly payments by the payment  due date,
your  Annual  Percentage  Rate  will increase  to 19.99%  on both  Purchases/Balance Transfers
and Cash  Advances for the next  six (6) month period. If  no late payments are received during
that  six (6)  month period,  your Annual  Percentage Rate  will revert  back to  the rate  on  your
account prior to the penalty phase. Penalty Pricing will apply to the  entire existing balance. 

Average  Daily Balance -  Finance Charges  for the billing  cycle are  computed by applying  the
Monthly Periodic Rate  to the average daily balance of Purchases/Balance Transfers  and  Cash
Advances  or  other charges,  which is  determined by  dividing  the sum  of  the  daily balances
during the billing cycle by the  number of days in the cycle. Each daily balance is determined by
adding  the  previous balance  of  Purchases/Balance  Transfers  or Cash  Advances,  any  new
Purchases/Balance Transfers or  Cash Advances, and  subtracting any payments  received and
credits posted to your account, but excluding any unpaid Finance Charges.

Finance Charges  will begin to accrue on  Cash Advances  including ATM  Cash  Advances from
the  date  of  the  transaction.  There  is  no grace  period  for  Cash  Advances, and  no  way  of
avoiding  paying Finance Charges  on Cash  Advances. There  is a Cash  Advance Transaction
Fee of $5.00 per Cash Advance Transaction.

There is  a grace period  on Purchases/Balance Transfers, if you pay  the balance  in full by the
payment due date.

8. Available Credit Limit –  You  may  use the Card  for purchases and  cash advances  up to
your  credit  limit. Each  purchase  or  cash  advance reduces  your  available  credit limit.  Your
payments  replenish your  available credit  limit by  the  amount of  the payment.  If  you have a
returned  payment,  we  may  restrict  usage of  your  account  (available  credit  limit) until  that
payment is corrected.

9. Fees -
A) Late Payment: You agree that a late payment fee of up to $25.00 will be charged to your
account if the Minimum Monthly Payment is not received by the payment due date.
B) Return Check:  You   agree  that  a  returned  check  fee of  up  to  $26.00 will  be
charged to your account for  any returned check, non-payment through the Automated Clearing
House (ACH) or any other payment return of any kind.
C) Documentation Charges:  You may be assessed a $2.00 charge for copies you
request  of    a  document  (sales drafts,  cash  advance  drafts,  credit  vouchers,  convenience
checks,  copies  of  statements),  plus  research  time  and  any  other   pass  through   charges
assessed  to  us by  others  in connection  with  your  Account. No  charges will  be  imposed in
connection with any good faith assertion of a billing error on your account.
D) Credit  Life and Disability Insurance: – If you choose  to purchase Credit Life or

Disability Insurance  through us, you  authorize us  to add  its cost to  your Account  each month.
Credit Life  and Disability Insurance  is voluntary and does  not have to  be purchased to obtain
credit.
E) Card Replacement Fee –  A card replacement fee of $5.00 may be assessed.
F) Balance Transfer Fee -  $10.00 per transferred balance.
G) Cash Advance  Fee –  A  cash  advance  fee of $5.00  per  cash  advance will be
applied.
H) Foreign Transactions Fee – 3% of each transaction in US dollars.
I) Expedited Card Fee –  Up to $26.00.
10. Card  Ownership -  We  issue Cards at  your request  for your use  alone, but  they are  our
property.    We  may  renew your Cards  from  time to  time.   We  may  cancel  or revoke  credit
privileges at any time without changing your liability for credit we have already extended to you.
You  agree to deliver, at our demand, all Cards bearing your Account number to us  or to our
agent.
11. Promise to Pay –  You promise to pay in U.S. Dollars for all credit which is incurred through
the authorized use of  your Account number or with the card(s) you requested.   You also agree
to pay all FINANCE CHARGES/FEES and other charges connected with your credit.
12. Default -  You  will be in default if you do not make any minimum payment or other  required
payment when  it is due.  You will be in  default if we determine  that your creditworthiness  (which
includes your  ability to  repay us)  has become  unsatisfactory due  to change in  employment, in
the event  of bankruptcy or  insolvency, if you die,  if you try to exceed  (or do  exceed) your credit
limit  without  our  permission, if  attachment  or  garnishment  proceedings  are instituted  against
you or  your property,  if you  fail to  provide updated  information, which  we request from  time to
time or  if you  fail to comply  with any  provision of this  Agreement.   You  will be  in default if  you
make   any  false   or   misleading   statements  in  any  credit  application  or  update   of  credit
information.  You  are  in  default  if  you  are  in  default  with  any  other  Credit  Union  loan  or
obligation. If you are in default, we can  demand payment of the entire balance amount that you
owe  under this  Agreement without  giving you  advance notice.  We can  accept late  or partial
payments  or  delay  enforcement, without  losing  any  of  our  rights under  this  Agreement.  If
immediate payment is demanded, you  will have to pay interest at the applicable rate until what
you  owe has been  paid in  full. If  you are  in default, you  also agree to  pay all  the usual and
customary costs  of collection  permitted by law  including court  costs and reasonable  attorney
fees. The Credit Union can exercise any other rights given by law when you are in  default. If the
law makes  any terms of this Agreement  unenforceable, the  other terms will remain in effect.
13.Change of Address -  You   will   advise   us   promptly   if  you change your mailing address.
You  also agree that we  may change  addresses when the change  is received from  the National
Change of  Address System that  we use in  conjunction  with  the United  States Postal  Service.
All written  notices and statements  from  the Credit Union  to you  will be considered given when
mailed  to  the current address as it appears on the Credit Unions’ records.  If  you  request a
replacement  Card  or PIN  and your  address change   has  not been  verified  in writing,  your
request  may  be  delayed until we receive that verification from you.
14,  Statements  and  Notices –   Will be mailed  to  you at the  most  recent address you  have
given  the  Credit  Union. Notices  sent  to  any  one borrower  will  be  considered  notice to  all
borrowers.  If  you  have signed  up  for Electronic  Statements  and your  monthly  notice  of E-
Statement availability  is returned to us,  we will attempt to  contact you  and change your email
address, if needed.  If we are unable to determine a  new email address,  we may un-enroll you
in  E-Statements and  return  you to  paper  statements.  You  may  re-enroll  at any  time  in E-
Statements by  providing  a new valid  email address  but  it may affect  the number  of prior E-
Statements  you are then  able to  access.  Keeping  a  current  email address  at  all times  will
prevent un-enrollment.
15. Authorized/Unauthorized Use –   You agree  that  “authorized use” means any purchase,
service,  cash advance,  mail order or  other credit  incurred  by the  use of  your Credit Card(s)
and/or your Account number, whether such use is by you or any other person who is allowed to
use  the  Card  or  Account number  by  you,  regardless  of the  benefit  of  use.   We  agree  to
advance  amounts  necessary to  pay  for  all  proper purchases,  services,  or  cash  advances,
provided you are not past due, in default, and abide by the terms of this Agreement.  You agree
that “unauthorized use” means the use of the   Credit Card(s) which has occurred or may occur
as  the result of  loss,  theft, or wrongdoing,  and which  is by  a person  other than  you or your
agent, who does not have actual implied or apparent authority for such use and from which you
receive  no  benefit.  You   agree  to   notify  us  promptly  upon  learning   of  the  loss,  theft  or
unauthorized use of the Card by calling us 24 hours a day/7  days  per  week  at  866-820-5887.
16. Modifications -  Any  part of this  Agreement can  be modified at  any time,  as long  as the
Credit  Union  gives  you  advance   written  notice  as  required  by  law  (see  #  25,   Effect  of
Agreement).

  
Terms is  an  Annual Percentage  Rate  (APR) due to a  change  in your creditworthiness,  the  change
will  apply  only to  your future  transactions  and  the current balance  will  remain  at  the existing  rate
prior  to the change. If  you do not  accept the creditworthiness  change,  you may  close your account
and pay off the existing  balance at the existing rate.
26.Invalidity of Provisions and Captions  – If  any  provision of this  Agreement is deemed invalid
the rest  of  this  Agreement  will  remain  in full  force  and effect.  The  paragraph  headings are  for
convenience only and do not form a part of this Agreement.
27.Delay in Enforcing Rights - We can waive or choose not to enforce any of our rights under the
Agreement at  any  time  without  the waiver  affecting  any  of  our  other rights.    A  waiver  on  one
occasion will not act as a waiver of the same right at a future time.
28. Assignment –  We  may  sell, assign or transfer your  Account, or  any portion thereof, without
notice to you.   You  may not sell, assign or  transfer your  Account without first obtaining our prior
written consent.
29. Application of Federal Law – We both agree that this Agreement is governed by the laws of
Kansas except to the extent that the federal law applies.
30. Residents of Illinois  – may  contact the Illinois Commissioner of Banks and Trust
Companies  for  comparable   information   on  interest   rates, charges,   fees  and  grace   periods.
Telephone 1-800-634-5452.  Address:  State of Illinois CIP., P.O.  Box 10181 Springfield, IL 62791.
31. WISCONSIN  RESIDENTS ONLY – Wisconsin law  provides that  no Agreement,  court  order
or individual statement  applying to marital property will effect a  creditor’s interest unless prior to
the time credit  is granted, the  creditor is furnished  with a copy of  the agreement, court  order or
statement or has knowledge of  adverse provision.
32. Overdraft Protection  – If  your application for overdraft protection using your Credit Card is
approved, you agree that if there is not enough money  in the Credit Union checking account to
cover checks you have written or other charges against the account, then the Credit Union may
deposit  or  cause  to  be  deposited  to  your   account  in  increments  of   $100.00,  the  funds
necessary to cover  such  checks  or other  charges.  Each  such  deposit will be  considered  a
Cash  Advance.  Every  time  the Credit  Union  makes a Cash  Advance  to  your  Credit Union
checking account,  the  amount  of  the  Cash  Advance  will  be  charged  to  your  Credit Card
Account.   The  Credit Union  is  not required to   make a  Cash Advance  to your  Credit  Union
checking account if the Cash Advance would cause the balance of your Credit Card Account to
exceed your Credit Limit or if your Card account is in default. If the Credit Union chooses not to
make a Cash Advance which  would cause the balance of your  Credit Card account to  exceed
your Credit  Limit,  the overdraft will  be subject to  the terms  and  conditions applicable  to your
Credit Union  checking account.   The Credit  Union  charges a Cash  Advance Fee  (FINANCE
CHARGE) of $5.00 per transaction.
33. Consensual Lien  – 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 what you  owe  under the
Visa Credit Agreement.   If you  are  in  default, you authorize us to  apply the  balance in these
accounts to any amounts due.  Shares and deposits in an Individual Retirement Account (IRA),
and 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.

17. Cancellation  -  You can cancel this account at any time by returning your Card to the Credit
Union,  along  with a  letter requesting  that we  cancel  the account.   However,  your obligation
under this and any charges made prior to cancellation will continue to  apply until you have paid
all  the  money  you   owe  on  this  account.    Additionally,  the   Credit  Union  can  cancel  this
Agreement at any time. Any joint user may also request cancellation of the account at  anytime.
18. Card Use  -  You agree  to sign the Card immediately, upon receipt. You may use the Card
issued to  you  to  make  purchases  in  person, by mail, telephone,  or  Internet  from  merchants and
others  who accept VISA cards.   In addition, you may obtain  cash advances from the Credit Union,
from   other  financial  institutions  participating  in  the   VISA  program  and   from  automated  teller
machines (ATMs),  such as VISA ATM  Network, which provide access to the VISA system.   (Not all
ATMs  provide  such access).  You  will need  to  use  your Personal  Identification Number  (PIN) to
obtain  a cash advance  from an ATM.  The monthly  statement will identify the  merchant, electronic
terminal  or financial institution at which transactions were  made, but sales, cash advance, credit or
other slips  cannot be returned with the statement. You will retain  the copy of such slips furnished at
the  time of  the transaction  in order  to verify the  monthly  statement. We may make  a  reasonable
charge  for   photocopies  of  slips  you  request.   Cash  advance  requests  made  at  any   financial
institution require that the Card be present.
19. Illegal Use  – You agree not to use your Card(s) for illegal gambling or other illegal purpose.
Display  of  a payment  card logo  by,  for  example, an  on-line  merchant does  not  necessarily
mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
20. Liability for Unauthorized Use  –  You agree to  notify us immediately, orally or in writing at
PO Box 31281, Tampa, FL 33631-3281, or telephone (866)820-5887 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/cash advances  made with your  Credit Card,  unless you
are  grossly  negligent  in the  handling  of your  Card. In the  event  of ANY  fraudulent  activity  or
unauthorized  obtainment  of  account  information,  you  hereby  agree  to notify  us  immediately
upon  notice  and  complete  all  necessary  paperwork,  not  limited  to  police  reports,  affidavits,
disclosures,  etc.  You also  agree to assist our  personnel  in obtaining and giving  information  on
potential  suspects  and  provide any  and  all needed  documents,  emails  or correspondence  to
assist  in the information of any and all fraud  related issues pertaining to your  membership.
21. Returns  and Adjustments -  Merchants and others  who honor the  Card may give credit  for
returns or adjustments,  and they will do so by  sending us a credit  slip which we will post  to your
Account. If your  credits and payments exceed what you owe us, we will hold and apply this credit
balance against future  purchases and cash  advances, or if  it is  $1 or more, refund  it upon your
written request or automatically  at 6 months. If you have returned an item  to a merchant and the
merchant  had issued a credit  to your  Card account, it may  take up to  15 days  for that credit  to
appear.
22. Foreign Transactions - Purchases and  cash advances made in foreign countries  and foreign
currencies will be billed to you  in U.S. Dollars.  You will  be  charged a transaction fee  for these
transactions of 3% of the US Dollar amount of each such transaction. This fee  will be in addition to 
any other applicable fee for the transaction type.
23, Merchant Disputes - We  are  not  responsible for the refusal of any plan merchant or financial
institution  to  honor  your Card.   We  are  subject  to claims  and defenses  (other  than  tort claims)
arising  out of  goods or  services you  purchase with the  Card  only if you  have  made a good faith
attempt, but have been unable to obtain satisfaction from the plan merchant.
24,  Security Interest  –    To  secure  your  Account,   you  grant  us  a  purchase   money  security
interest   under the  Uniform  Commercial  Code  in any goods  you  purchase  through  the Account
as  described  on your Credit  Card receipt.   If you  default, we will have the  right to  recover any  of 
these  goods.   We  will have  the  right  to recover  any of  these  goods which  have  not been  paid
for  throughout  application  of your  payments.   If  you have  given us  (or give us  in the  future)  a
security  interest  in  some of your property  (except  your  principal  dwelling)  to secure  other  credit
or   loans  from  us,  that  collateral  may   also  secure  your  Credit   Card  account.    This  security
interest   is  given  to secure  the  payment  of   all your  obligations  to   CUA and  interest  that may
accrue  thereon,  and attorneys fees  and  costs (where  federal law  permits and where  federal law
overrides  any  prohibition  of  attorneys’  fees  in  state law).   You  hereby  authorize  CUA to  apply
any  and all funds  paid in as loan  payments,  to the payment of  any obligation  at CUA.
25, Effect of Agreement -  This  Agreement  is  the contract  that  applies to  all transactions  on your
Account  even though  the sales, cash advance,  credit  or other slips you sign  or receive  may contain
different  terms.  We  may  amend  this  Agreement  from  time to  time by  sending  you  any  advance
written  notice required by law  (Change In Terms).  To  the  extent the law allows,  if the Change In

Currently the prime rate is 3.50% as  of 3/27/2016. Added to the index will be:

This notice  contains important  information about  your rights and  responsibilities under  the Fair
Credit Billing Act.

YOUR BILLING RIGHTS (Keep This Notice for Future Use)

For Credit Scores  
001-609      
Current Rates:  

     Purchases/Balance Transfers                    C 
     14.75 basis points 
    18.25%  APR  

             14.75 basis points               
             18.25% APR

ash Advances                

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

How to  Avoid  Paying Interest on Purchases 
and Balance Transfers

5.90% Introductory APR for six (6) months. After  that, 
your APR will be 18.25%.  This APR will vary with the 
market based on the Prime Rate

18.25%
This APR will vary with the market based on the prime 
rate.

19.99%
This APR may be applied to your account if you become
three (3) billing cycles past due.

How Long Will the Penalty Rate Apply?  If your APRs are
increased for this reason, the Penalty APR will apply until
you make six (6) consecutive minimum payments by the 
payment due date.

Your due date  is at least 25 days after the close of each
Billing Cycle.  We will not charge you any interest on 
purchases/balance transfers if you pay your entire
balance by the due date each month.

For Credit Card Tips Contact the  Consumer
Financial Protection  Bureau

To learn  more  about factors to consider when applying
for  or using a credit card, visit the website of the
Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore

Fees

Set-Up and Maintenance Fees

None

Transaction Fees

* Balance Transfers

* Cash Advance

* Foreign Transactions

Penalty Fees

* Late Payment

* Returned Payment

Expedited Card Fee

$10 per transfer

$5 per cash advance item

3% of each transaction in U.S. Dollars

as much as $25

as much as $26

as much as $26

How  We Calculate Your  Balance:   We  use a  method called  “average daily balance (including  new
purchases).”  See the Average  Daily Balance paragraph  for  more  details.

Loss of Introductory APR: We may end  your Introductory Rate APR for purchases, and  balance transfers

and apply the penalty rate if you become three (3) billing cycles past due.

Billing  Rights: Information  on your  rights to  dispute transactions  and  how to exercise those  rights are
provided at the  end of this Account Agreement, under YOUR BILLING RIGHTS.

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:

Credit Union of America
Cardholder Services
PO Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:

•
•
•

Account Information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on the statement, and
At least 3 business days before an automated payment is scheduled,  if you want to
stop the 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 day 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.