Georgia United Credit Union 
PO Box 100070 
Duluth, GA 30096-9370 
888.493.4328 
www.gucu.org 

CREDIT CARD DISCLOSURE  

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases  

CASH BACK VISA CREDIT CARD 

1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be  
10.24% to 22.99% based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers* 

1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account 
opening. After that, your Standard APR will be 10.24% to 22.99% based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

12.24% to 24.99% based on your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Paying Interest 

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest 
on purchases if you pay your entire new purchase balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers on the date the cash advance or balance 
transfer is posted to your account. 

Minimum Interest Charge 

None 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

FEES: 

Fees to Open or Maintain your 
Account: 
- 
- 

Annual Fee: 
Application Fee: 

Transaction Fees 

- 
- 
- 

Balance Transfer: 
Cash Advance: 
Foreign Transaction: 

Penalty Fees 

- 
Late Payment: 
-  Over-the-Credit Limit: 
- 

Returned Payment: 

None 
None 

None 
2% of each transaction that is greater than $2.00 
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars 
that is processed outside the United States (which may include internet transactions). 

Up to $25.00 if your payment is late 10 days or more 
None 
Up to $25.00 if your payment is returned for any reason 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment. 

*Introductory Rate is available only for balance transfers made within 90 days of account opening. Introductory Rate does not apply to 
balances transferred from other Georgia United Credit Union credit cards or loans. 

OTHER IMPORTANT DISCLOSURES: 
Suspension of electronic services and access to share or deposit accounts. Subject to applicable law, we may suspend some or all electronic 
services and access to your checking or other account(s) if you become delinquent on any of your loan or deposit obligations to us or you cause a loss 
to us. We shall not be liable to you in any regard in connection with such suspension of services. 

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THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW 
AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR 
STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT 
YOU OWE.  
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not 
subject to this security interest. 
If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your principal 
residence or non-purchase money household goods. 

*Variable Rates: Unless an introductory or promotional Annual Percentage Rate is in effect, we will add a Margin to the Prime Rate to determine your Variable 
Annual Percentage Rate. The index used to determine your Variable Annual Percentage Rate is the Prime Rate published in the Money Rates column of the Wall 
Street Journal on the last business day the rate is published each calendar month. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: 
6.74% to 16.74% for Purchases and Balance Transfers and 8.74% to 18.74% for Cash Advances, rounded to the nearest 0.001%. The Annual Percentage Rate 
will never be more than 24.99% or lower than 7.99%. If the Prime Rate changes, the new Annual Percentage Rate will take effect on the last day of the next billing 
cycle. If the index is no longer available, the Credit Union will choose a new index which is based upon comparable information.  Any increase in the annual 
percentage rate may increase the total amount of interest you pay. It may also increase the minimum payment due and lengthen the time it takes to pay off your 
account. 
Daily  Periodic  Rates:  Introductory  Rate:  0.00545%;  Purchases  and  Balance  Transfers:  0.02805%  to  0.06299%;  Cash  Advances:  0.03353%  to 
0.06847%. 
Other Fees: In addition to the fees disclosed above, the following fees may be imposed: 
Card Replacement Fee: 
Skip-A-Pay Fee: 
Expedited Card Fee: 
Minimum Payment Requirement: 2% of the outstanding balance, subject to a minimum of $25.00. 
Redemption (applies to Visa Cash Back Signature Card only): Rewards will accumulate throughout the statement cycle. The Rewards will be 
credited to your checking or savings account during the next billing cycle.  
Program Information (applies to Visa Cash Back Signature Card only): Earn cash rewards of 1.50% of all new net purchases (qualifying purchases 
less credits, returns and adjustments) charged to the card each billing cycle. Balance Transfers, Cash Advances, including purchases of money orders or 
other cash equivalents, fees, interest charges, fraudulent transactions and certain other charges are not eligible to earn cash rewards. Cash rewards shall 
be issued in U.S. dollars and transferred to a pre-designated Georgia United Credit Union checking or savings account. Other significant terms apply. 
Program terms and conditions are subject to change. 

$5.00 
$25.00 
$30.00 

In this Agreement, “You” and “your” mean any person who accepts this Agreement or uses the Card. The “Card” means any credit card issued to you or 
those designated by you under the terms of this Agreement. “We”, “us”, “our” and the “Credit Union” means Georgia United Credit Union or its successors. 
By using your card, you agree to all of the terms and conditions set forth herein. 

CREDIT CARD AGREEMENT 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US 
NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE 
SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO 
THE AMOUNT YOU OWE.  
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given 
are not subject to this security interest. 
If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your 
principal residence or non-purchase money household goods. 

Using Your Card. You can purchase or lease goods and services from any merchant who honors your Card, and you may obtain cash advances from 
financial  institutions  and ATM machines  that  accept  the  Card,  up to  your maximum  credit  limit. You  agree  not to  present your  Card or  obtain  a cash 
advance for any extension of credit in excess of your available credit limit; however, if you do exceed your credit limit, you agree to make immediate 
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain  purchases  and  cash  advances  require  authorization  prior  to  completion  of  the 
transaction. In some cases, you may be asked to provide identification. If our system is not working, we may not be able to authorize a transaction, even 
though you have sufficient credit available. Also, for security reasons, we may block the use of your Card in certain countries or geographic areas. We will 
have no liability to you or others if any of these events occur.  

Personal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for use with your Card. This PIN is confidential and should 
not be disclosed to anyone. You may use your PIN and your Card to access your account, and all sums advanced will be added to your account balance. 
In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your Electronic Funds Transfer Agreement may affect 
your rights.  

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Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or anyone whom you 
authorize to use the Card; (b) all Interest Charges and all other charges or fees; (c) collection costs and attorney's fees as permitted by applicable law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that we may extend to you.  

Illegal Transactions: You agree that your Card and account will not be used to make or facilitate any illegal transactions as determined by applicable law; 
and that any such use will constitute an event of default under this Agreement. We may decline any transaction that we believe to be illegal under applicable 
law, including but not limited to any transaction involving or relating to any gambling activity. You agree that we will have no liability or responsibility for 
any such use by you or any authorized user(s); or for declining any such transaction. You further agree to indemnify and hold us harmless from any suits, 
liability, damages or adverse action of any kind that results directly or indirectly from such illegal use. You promise to pay us any and all amounts owing 
on your Card for any transactions made by you, even if the transaction is determined to be illegal.  

Joint Accounts. Each of you will be responsible, jointly and severally, for the repayment of amounts owed, regardless of who initiated any transaction 
under the account.  

Others Using Your Account. If you allow anyone else to use your account, you will be liable for all credit extended to such persons. You promise to pay for 
all purchases and advances made by anyone you authorize to use your account, whether or not you notify us that he or she will be using it. If someone else is 
authorized to use your account and you want to end that person's privilege, you must notify us in writing, and if he or she has a Card, you must return that Card 
with your written notice for it to be effective.  

Ownership of Card. Your Card remains our property and may be cancelled by us at any time without notice. You agree to surrender your Card and to 
discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time you open your account and as may be changed from time to time in 
accordance with applicable law. Average Daily Balance including new transactions: Interest Charges will accrue on your average daily balance outstanding 
during the month. To get the average daily balance, we take the beginning balance each day, add any new purchases, cash advances, balance transfers or 
other advances, and subtract any payments, unpaid interest charges, and unpaid late charges. This gives us the daily balance. Then, we add up all the daily 
balances for the billing cycle and divide that by the number of days in the billing cycle. We then multiply that by the periodic rate corresponding to the Annual 
Percentage Rate on your account. If you have different rates for purchases, cash advances or balance transfers, separate average daily balances for each will 
be calculated and the appropriate periodic rate is then applied to each. 

Grace Period on Purchases Only: You can avoid Interest Charges on purchases by paying the full amount of the new balance for purchases each month by 
the date on which the payment is due. Otherwise, the new balance of your account, and subsequent advances from the date they are posted to the account, 
will be subject to an Interest Charge. You cannot avoid Interest Charges on cash advances and balance transfers; even if you pay the entire cash advance 
balance or balance transfer balance by the payment due date, you will incur the Interest Charges accrued from the date the cash advance or balance transfer 
is posted to your account.  

Fees. In addition to the Interest Charges set forth above, you agree to also pay any and all fees that you incur as disclosed to you on your Truth-in-Lending 
Statement or similar disclosures (as may be amended from time to time), or as disclosed to you during the term of your Card.  

Suspension  of  electronic  services  and  access  to  share  or  deposit  accounts.  Subject to  applicable  law,  we  may  suspend  some  or  all  electronic 
services and access to your checking or other account(s) if you become delinquent on any of your loan or deposit obligations to us or you cause a loss to 
us. We shall not be liable to you in any regard in connection with such suspension of services. 
Minimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date disclosed on your billing statement. If your payment 
is received by us on a business day at the address and by the time designated on the billing statement, it will be credited to your account on the date of 
receipt. If payment is made at any location other than the address designated on the periodic statement, credit for such payment may be delayed up to 
five (5) days. Payments will be applied in any order we determine, subject to applicable law.  
Skip Payment: If we make a skip payment option available, you may skip making your payment(s) for certain month(s). If you choose this option, interest 
will continue to accrue, but no late payment charges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period 
will again apply once the skip period has expired. It is your responsibility to cancel any scheduled payments from other financial institutions. All Skip-A-
Pay requests are subject to approval and eligibility criteria. A fee may be assessed for each Skip-A-Pay requested. 

Default; Acceleration; Credit Suspension; Collection Costs. You will be in default if: (1) you fail to make any payment on time; (2) if you fail to keep any promises 
you have made under this Agreement or under other Agreements you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a bankruptcy petition 
filed against you, or if you become involved in any insolvency, receivership or custodial proceeding; (5) if anyone attempts to take any of your funds held by us via 
legal process or if you have a judgment or tax lien filed against you; (6) if you make any false, inaccurate, or misleading statements in any credit application or credit 
update; or (7) if we, in good faith, believe that your ability to repay what you owe is or soon will be impaired, or that you are unwilling to make your payments.  
If you are in default, we have the right to demand immediate payment of your full account balance without giving you notice. If immediate payment is demanded, 
you agree to continue paying interest charges and fees until what you owe has been paid, and any shares that were given as security for your account may 
be applied towards what you owe. You agree to pay all reasonable costs of collection, including court costs and attorney's fees, and any costs incurred in the 
recovery of the Card, subject to applicable law. Even if your unpaid balance is less than your credit limit, you will have no credit available during any time that 
any aspect of your account is in default.  

Additional Benefits/Card Enhancements. We may from time to time offer additional services to your Account at no additional cost to you. You understand 
that we are not obligated to offer such services and may withdraw or change them at any time.  

Convenience Checks. We may, at our discretion, issue checks to you which may be used for any purpose other than making a payment for credit to your 
account. By signing such check, you authorize us to pay the item for the amount indicated and post such amount as a cash advance to your account. We 
do not have to pay any item which would cause the outstanding balance in your account to exceed your credit limit.  

Credit Information. We may from time to time request personal information from you or obtain credit reports from the credit reporting agencies for the 
purpose of updating your credit status. Your failure to provide such information when requested by us may result in suspension of credit privileges under 
this Agreement, including your ability to obtain any future advances by any means. You authorize us to investigate your credit standing when opening or 

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Rev. 3-2022 

 
reviewing your  account. You  authorize  us  to  disclose  information  regarding  your  account  to credit  bureau  and creditors  who  inquire  about your credit 
standing.  

Foreign Transactions; Currency Conversion. Purchases and cash advances made in foreign currencies will be billed to you in U.S. dollars. The conversion rate 
in dollars will be a rate selected by the card company from a range of rates available in wholesale currency markets for the applicable central processing date, 
which rate may vary from the rate the card company itself receives, or the government-mandated rate in effect for the applicable central processing date in each 
instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount 
disclosed on your Truth-in-Lending Statement (as amended from time to time).  

Termination; Change-in-Terms. We may, by written notice, terminate this Agreement at any time, subject to applicable law. You may terminate this Agreement 
by written notice. Termination by either party shall not affect your obligation to repay any balance on your account resulting from use of the Card as well as 
Interest Charges and fees incurred. We may change the terms of this Agreement, including the method of calculating the periodic rate, at any time, by written 
notice, subject to applicable law. Use of the Card constitutes agreement and acceptance of any change in terms, unless applicable law requires otherwise. 
Our failure to exercise any of our rights or to take any action shall not constitute a waiver of those rights, or an amendment or change in any of the terms of 
this Agreement.  

Late or Partial Payments. Any payment that delays the reduction of your balance will increase your total interest costs. Partial payments or prepayments 
will not delay your next scheduled payment - you will still need to make the minimum scheduled payment by the next scheduled due date to keep your 
account current. We may accept late payments, partial payments, checks or money orders marked "payment in full" and such action shall not constitute 
final settlement of your account or a waiver or forgiveness of any amounts owing under this Agreement.  

Enforcement. We do not lose our rights under this or any related agreement if we delay enforcing them. If any provision of this or any related agreement 
is determined to be unenforceable or invalid, all other provisions remain in full force and effect.  

Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by submitting a 
credit slip which will be posted to your account. If your credits and payments exceed what you owe us, the amount will be applied against future purchases 
and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written or verbal request. Plan Merchant Disputes. We are 
not responsible for the refusal of any plan merchant or financial institution to honor your Card. Also, we are not responsible for goods or services that you 
purchase with the Card unless: (a) your purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase 
cost more than $50 and was made from a plan merchant in your state or within 100 miles of your home; and only if you have made a good faith attempt, 
but have been unable to obtain satisfaction from the plan merchant. You must resolve all other disputes directly with the plan merchant. We do not warrant 
any merchandise or services purchased by you with the Card.  

Statements and Notices. Statements and notices will be mailed to you at the most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to any one of you will be considered notice to all.  

Notification of Address Change. You will notify us promptly if you change your address for any reason. In order to prevent identity theft, your identity 
may need to be verified before we act upon the notification.  

Copy Received. You acknowledge that you have received a copy of this Agreement.  

Governing Law. This Agreement shall be construed under federal law and state law in the state in which we are primarily located, and the venue shall be 
located in the county and state in which we are primarily located. Operating regulations of Visa may also apply. This Agreement is the contract that applies 
to all transactions even though the sales, cash advance, convenience check, credit or other slips you sign or receive may contain different terms. 

NOTICE TO UTAH BORROWERS: This written agreement is a final expression of the agreement between you and the Credit Union. This written agreement 
may not be contradicted by evidence of any oral agreement. 

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: 
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military 
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”), and (a) your loan is unsecured or secured by personal property or a 
vehicle that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is 
a revolving line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as 
defined in the MLA). 
1.  NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer 
credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums 
or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain 
application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit 
card account). To receive this notice verbally, please call 888.493.4328 during our normal business hours: 8:00 A.M. – 6:00 P.M. Monday – Friday. 
2.  This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in 
connection with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any 
cross-collateralization provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit 
accounts for any loan subject to the Military Lending Act. 
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to 
apply the sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan. 

3.  Any  reference  in  this  consumer  credit  contract  to  the  following  are  hereby  inapplicable  to  your  loan:  (a)  Mandatory  arbitration;  (b)  Any 
requirement(s) to waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as 
unreasonable notice from you in order to exercise your legal rights; or (d) Prepayment penalties. 

4.  Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory 
to these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all 
other terms and conditions of the consumer credit contract shall remain in full force and effect. 

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BILLING RIGHTS NOTICE 

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement  
If you think there is an error on your statement, write to us at the address(es) listed on your statement.  
In your letter, give us the following information:  

1. Your name and account number. 
2. The dollar amount of the suspected error. 
3. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement.  
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may 
have to pay the amount in question.  
What Will Happen After We Receive Your Letter  
When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:  

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen:  

•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you 
as delinquent, and we must let those organizations know when the matter has been settled between us.  
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.  
Your Rights 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been 
more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company 
that sold you the goods or services.) 

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit 

card account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address(es) listed on your statement. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At 
that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

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