CONSUMER 
CREDIT CARD 
AGREEMENT 

AND 
DISCLOSURE 

ELITE VISA SIGNATURE®/VISA PLATINUM 

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account 
opening documents or any subsequent documents provided to You related to this Account  (hereinafter collectively referred 
to as <Agreement=) govern the terms and conditions of this Account. <We,= <Us,= <Our= and <Ours= and <Credit Union= refers 
to Visions Federal Credit Union with which this Agreement is made. <You,= <Your,= and <Yours= refers to each applicant and 
co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or 
service  the  Account.  "Card"  means  the  Visa®  credit  card  and  any  other  access  devices,  duplicates,  renewals,  or 
substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of credit established 
by this Agreement and includes Your Card. 

SECURITY INTEREST 

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights 
the Credit Union may have in any goods You purchase. 

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares 
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account 
until the Credit Union agrees to release all or part of the pledged amount. 

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security are not subject to the security 
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
any or all of the unpaid balance. 

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
anything to the contrary in any other Agreement. 

1.  USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms of this Agreement. You 
agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions. 
2.  CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You 
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due 
to  finance  charges,  fees  or  other  charges.  You  may  request  a  credit  limit  increase  on  Your  Account  only  by  a  method 
acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate 
Your Account at any time for any reason permitted by law. 
3.  CONVENIENCE CHECKS — We may, from time to time, issue convenience checks to You that may be drawn on Your 
Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it 
will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on 
Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We stop the 
payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this Agreement imposed 
to  stop  a  payment  on  a  convenience  check  issued  on  Your  Account.  You  may  make  a  stop  payment  request  orally,  if 
permitted, or in writing.  Your request must be  made  with sufficient time in advance of the presentment of  the check for 
payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must accurately describe the 
check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of 
the check. If permitted, You may make a stop payment request orally but such a request will expire after 14 days unless 
You confirm Your request in writing within that time. Written stop payment orders are effective 

' CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 

03116182-MXC30-C-1-062421 (MXC305-E) 

 
 
 
 
 
 
 
 
 
only for six months and may be renewed for additional six month periods by requesting in writing that the stop payment 
order be renewed. We are not required to notify You when a stop payment order expires. 
If We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a statement 
describing the dispute with the payee, to assign to Us all of  Your rights against the payee  or other  holders of the check 
and to assist Us in any legal action. 
You agree to indemnify and hold Us harmless from all costs and expenses, including attorney's fees, damages, or claims, 
related to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect information 
provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a 
check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card Account with Us 
and Your stop payment rights are provided under this Agreement with Us. 
4.  REPAYMENT — You promise to repay all amounts You owe under this Agreement. Your promise to repay includes 
all  transactions  made  to  Your  Account  by  You  or  anyone  You  authorize  to  use  Your  Account  as  well  as  all  interest 
charges and fees. 
Elite Visa Signature® - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due 
Date. 
The Minimum Payment Due is 2.00% of Your total New Balance, or $50.00, whichever is greater, plus any amount past due 
and  any  amount  by  which  You  have  exceeded  Your  applicable  credit  limit.  If  Your  total  New  Balance  is  less  than 
$50.00, then Your Minimum Payment Due is the amount of the total New Balance. 
Visa Platinum - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. 
The Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past due 
and  any  amount  by  which  You  have  exceeded  Your  applicable  credit  limit.  If  Your  total  New  Balance  is  less  than 
$25.00, then Your Minimum Payment Due is the amount of the total New Balance. 
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full. 
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your 
Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the date 
the payment is posted or the Credit Union confirms the payment has cleared. 
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner 
the  Credit  Union  chooses,  as  permitted  by  applicable  law.  If  You  make  a  payment  in  excess  of  the  required  Minimum 
Payment  Due,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the  highest  annual  percentage 
rate  (<APR=)  and  any  remaining  portion  to  the  other  balances  in  descending  order  based  on  applicable  APR,  unless 
otherwise  prescribed by applicable  law.  We may accept checks  marked "payment  in full"  or with words of  similar  effect 
without losing any of Our rights to collect the full balance of Your Account with Us. 
INTEREST  AND  FINANCE  CHARGES  —  We  will  begin  charging  You  interest  on  purchases  on  the  date  the 
5. 
transaction is posted to Your Account.  We will begin  charging You interest on cash advances and balance transfers on 
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever 
is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or 
credit  balance  at  the  beginning  of  that  billing  cycle,  or  You  paid  the  entire  new  balance  on  the  previous  cycle's  billing 
statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance  of purchases, 
You must pay the entire new balance on the billing statement by the Payment Due Date of that statement. 
How We Calculate Your Balance: 
Interest  charges  on  Your  Account  are  calculated  separately  for  purchases,  balance  transfers  and  cash  advances 
(<Transaction  Type=).  We  figure  the  interest  charge  for  each  Transaction  Type  by  applying  the  periodic  rate  to  each 
corresponding <average daily balance.= To get the <average daily balance= for a Transaction Type We take the beginning 
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or  
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type. 
Then,  for  each  Transaction  Type,  We  add  up  all  the  daily  balances  for  the  billing  cycle  and  divide  each  total  by  the 
number of days in the billing cycle. This gives Us the <average daily balance= for each Transaction Type. 
6.  FEES — In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your Account, 
the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this Agreement. 
7.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your 
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the 
applicable transaction date, which rate may vary from the rate Visa itself receives, or the rate mandated by  the government 
or governing body in effect for the applicable transaction date. The exchange rate used on the transaction date may differ 
from the rate that would have been used on the processing date or cardholder statement posting date. 

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Visa Platinum - A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including 
purchases, cash advances, and credits to Your Account. A foreign transaction is any transaction that You complete or a 
merchant completes on Your Card  outside the  United States, with the exception of U.S. military bases, U.S. territories, 
U.S. embassies, or U.S. consulates. Transactions completed  by merchants outside of the  United States are considered 
foreign transactions, regardless of whether You are located inside or outside the United States at the time of the transaction. 
The Foreign Transaction Fee is set forth on the Account Opening Disclosure accompanying this Agreement. 
8.  AUTHORIZATIONS  — We do not  guarantee  authorization  of  a transaction,  either  by  Us or by a  third  party,  even if 
You have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also reserve 
the  right  to  limit  the  number  of  transactions  that  may  be  approved  in  one  day.  We  reserve  the  right  to  deny  certain 
transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity, internet 
gambling  or  any  indication  of  increased  risk  related  to  the  transaction  or  the  Account.  You  agree  that  We  have  no 
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We 
may suspend Your credit privileges until We can verify the activity, or We may close the Account. 
INFORMATION UPDATING SERVICE AND AUTHORIZATIONS — If You have authorized a merchant to bill charges 
9. 
to Your Card on a recurring basis, it is Your responsibility to notify the merchant in  the event Your Card is replaced, Your 
Account information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card  
is replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated 
Account information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize 
Us to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges 
to Your Card. 
Your  Card  is  automatically  enrolled  in  an  information  updating  service.  Through  this  service,  Your  updated  Account 
information (such as Card number or expiration date) may be shared with participating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for 
making direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated Account 
information to a merchant, please contact Us. 
10.  PREAUTHORIZED CHARGES — We may suspend preauthorized recurring charges with merchants if, for example, 
Your Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges 
are suspended, You are responsible for making direct payment for such charges until You contact the merchant to reinstate 
recurring charges. 
11.  DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment 
Due  Date;  pay  by  a  check  or  similar  instrument  that  is  not  honored  or  that  We  must  return  because  it  cannot  be 
processed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit application 
or credit update; file for bankruptcy; become insolvent; or die. You will also be in default if You fail to comply with the terms 
of this Agreement or any other Agreement You have with Us. 
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable 
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share 
and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts 
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any balance 
to any amounts due on Your Account. 
12.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — 
If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, You should call Us immediately 
at (833) 224-5785 seven days a week, 24 hours a day or (800) 242-2120, Monday through Friday, 8:00 a.m. to 5:00 p.m. 
or write to us at 24 McKinley Avenue, Endicott, NY, 13760. 
You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  You  notify  Us.  You  may,  however,  be  liable  for 
unauthorized  use  that  occurs  before  Your  notice  to  Us.  You  will  have  no  liability  for  unauthorized  use  unless  You  are 
found to be fraudulent  or negligent in the handling of  Your  Account or Card. In  any case, Your liability for  unauthorized 
transactions will not exceed $50. If an unauthorized charge is posted to Your Account, and You don’t receive resolution 
from the merchant, You may dispute the charge through Visions Credit/Debit card processor. Contact the dispute line at 
(833) 224-5785 within 60 days after the charge first appears on Your statement. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as 
well as to future transactions. 
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents  - Either 
You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or 
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your 
spouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card 

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or Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whether by You or the Credit Union. 
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination 
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges 
You owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or 
Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whether by You or the Credit Union. 
14.  AUTHORIZED USERS — Upon Your request, We may issue additional Cards for authorized users that You designate. 
You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your notice must 
include the name of the authorized user and Your Account number and/or any subaccount number issued to the authorized 
user along with the authorized user's Card and any convenience or other access checks issued to the authorized user. If 
You cannot return the authorized user's Card or access checks and if You request Your Account to be closed, We will close 
Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion, issue You a new Account 
number and a new Card. 
15.  CREDIT  REPORTS  —  You  authorize  the  Credit  Union  to  obtain  credit  reports  and  any  other  information  We  may 
need to verify Your identity and use of the Account when opening Your Account and for any update, increase, renewal, 
extension,  collection  or  review  of  Your  Account.  You  authorize  the  Credit  Union  to  disclose  information  regarding  Your 
Account to credit bureaus and creditors who inquire about Your credit standing. 
16.  JOINT ACCOUNTS — If this is a joint Account, each of You will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay the 
entire  amount  owed  under  this  Agreement.  Each  of  You  authorizes  the  other(s)  to  make  transactions  on  the  Account 
individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
17.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on Your Account even 
though the sales, cash advances, credit or other slips You sign or receive may contain different terms. 
18.  SEVERABILITY AND FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of 
Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any part 
of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and fully 
enforceable to the fullest extent possible under this Agreement. 
19.  ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including 
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law. 
Even  if  You  use  Your  Card  for  an  illegal  transaction,  You  will  be  responsible  for  all  amounts  and  charges  incurred  in 
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is 
illegal. 
20.  APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of 
New York. 
21.  ENFORCING THIS AGREEMENT — We can delay in enforcing or fail to enforce any of Our rights under this Agreement 
without losing them. 
22.  COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are 
liable for any reasonable attorney’s fees We incur, plus the costs and expenses of any legal action, as further disclosed on 
this Agreement, or to the extent allowed by law. 
23.  ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party. 
24.  CALIFORNIA RESIDENTS — A married applicant may apply for a separate Account. Applicants: 1) may, after credit 
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint 
applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be 
submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 
25.  FLORIDA RESIDENTS  — You (borrower) agree that, should We obtain  a judgment against You, a portion of 
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida and 
Federal law. 
26.  MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 
27.  MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from 
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach covering 
such  matters  are  contained  in  this  writing,  which  is  the  complete  and  exclusive  statement  of  the  Agreement 
between Us, except as We may later agree in writing to modify it. 

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28.  NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review, 
modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such 
report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York 
residents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtain 
a comparative listing of credit card rates, fees and grace periods. 
29.  OHIO RESIDENTS — The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. 
The Ohio Civil Rights Commission administers compliance with this law. 
30.  SOUTH DAKOTA RESIDENTS — If You believe there have been any improprieties in making this loan or in the lender’s 
loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, 
or by phone at 605.773.3421. 
31.  WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the 
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are 
required to inform Your spouse that We have opened an Account for You. 
32.  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. As required by 
law,  You  are  hereby  notified  that  a  negative  credit  report  reflecting  on  Your  credit  record  may  be  submitted  to  a  credit 
reporting agency if You fail to fulfill the terms of Your credit obligations. 
33.  THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS 
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES 
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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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 listed on Your statement. 
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 Your statement. 
-  At least three 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 or electronically. 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 or electronically at 
the address 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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VISIONS FCU 

CREDIT CARD ACCOUNT OPENING DISCLOSURE 
This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.   

Please keep this attached to your LOANLINER® Consumer Credit Card Agreement & Disclosure. 

Interest Rates and Interest Charges 
Purchase APR – Variable Rate 
VISA Platinum – the 5 year US Treasury Note plus between 9.00 to 17.00 percentage points 
Elite VISA Signature – the 5 year US Treasury Note plus between 11.00 to 14.50 percentage points 

Maximum APR is 18% corresponding maximum daily periodic rate of .04932% 

Balance Transfer APR – Variable Rate 
VISA Platinum – the 5 year US Treasury Note plus between 9.00 to 17.00 percentage points 
Elite VISA Signature – the 5 year US Treasury Note plus between 11.00 to 14.50 percentage points  

Maximum APR is 18% corresponding maximum daily periodic rate of .04932% 

Cash Advance APR – Variable Rate 
VISA Platinum – the 5 year US Treasury Note plus between 9.00 to 17.00 percentage points 
Elite VISA Signature – the 5 year US Treasury Note plus between 11.00 to 14.50 percentage points  

Maximum APR is 18% corresponding maximum daily periodic rate of .04932%  

Penalty APR 
None 

Minimum Finance Charge 
None 

Cash Advance Fee 
None 

Balance Transfer Fee 
None 

Foreign Transaction Fee 
VISA Platinum - Up to 1.00% of each transaction in US dollars  
Elite VISA Signature - None 

Transaction Fee for Purchases 
None 

Paying Interest – Your due date is at least 28 days after the close of each billing cycle.  We do not charge you 
interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest 
on cash advances and balance transfers on the transaction date. 

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 Web site of the Consumer Financial Protection Bureau at 
http://consumerfinance.gov/learnmore.  

How We Will Calculate Your Balance.  We use a method called <average daily balance (including new purchases).=  
See your account Agreement for more details. 

Promotional Period for Introductory APR: 
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your 
Account during the first twelve months following issuance of Your Card. Any existing balances on Visions Federal 
Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account Agreement.   

Military Lending Act Disclosures: 
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; 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). 

Please call us at (800) 242-2120 to receive  oral disclosures  of the Military  Lending  Act disclosure above  and a 
description of the payment obligation.   

Collection Costs.  You agree to pay all costs of collecting the amount you owe under this Agreement, including court 
costs and reasonable attorney’s fees. 

Periodic Rates * (see Pricing Addendum) 
The Purchase APR is  *  which is a daily periodic rate of  *  .  
The Cash Advance APR is  *  which is a daily periodic rate of  *  .  
The Balance Transfer APR is  *  which is a daily periodic rate of  *  . 

Variable Rate. 
The ANNUAL PERCENTAGE RATE may increase in the future.  The ANNUAL PERCENTAGE RATE is subject to 
change on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the 
5-Year U.S. Treasury Note on the 15th day of the previous month or the preceding business day if the 15th falls on 
a weekend or holiday, to which We add a margin.  The ANNUAL PERCENTAGE RATE will never be greater than 
18.00%.  Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest 
You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your 
balance.    If  the  Index  is  no  longer  available,  the  Credit  Union  will  choose  a  new  index  which  is  based  upon 
comparable information.   

Margin  *  (see Pricing Addendum) 
Purchases will be charged at  *  above the Index. 
Cash advances will be charged at  *  above the Index. 
Balance transfers will be charged at  *  above the Index. 

Pricing Addendum 
VISA Platinum/Elite VISA Signature 

Grace Period 
28 days 

Other Fees & Disclosures 

Late Payment Fee 
$20.00 or the amount of the minimum required payment, whichever is less, If you are 15 or more days late in making 
a payment.  If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You 
do not make the required minimum payment by or within the number of days of the statement Payment Due Date 
set forth on this Disclosure.  

Annual Fee 
VISA Platinum - None   
Elite VISA Signature - None  

 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
Over-the-Credit Limit Fee 
$20.00 or the amount of the transaction exceeding Your approved credit limit, whichever is less.  If You have elected 
the feature to allow Your Account to go over Your credit limit, We may charge You a fee as allowed by law.  However, 
in no case will We impose an over-the-limit fee except in the next two billing cycles unless You have obtained an 
additional extension of credit in excess of such credit limit during each subsequent cycle or You have reduced the 
balance below the credit limit as of the end of each billing cycle.   

Returned Payment Fee 
$20.00 or the amount of the required minimum payment, whichever is less.  If your Account is subject to a Returned 
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.   

Document Copy Fee 
$12.00.  If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be 
charged to Your Account for each copy of a sales draft or statement that You request (except when the request is 
made in connection with a billing error made by the Credit Union).   

Pin Replacement Fee 
$0.00 

Rush Fee 
$47.50.  If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to 
Your Account for each rush Card that You request, providing that delivery of the Card is also available by standard 
mail service, without paying a fee for delivery.  

Statement copy Fee 
$3.00 per page.  If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when 
the request is  made in connection with a  billing error  made by the  Credit Union, a fee  may be charged to  Your 
Account for each copy of a sales draft or statement that You request.   

Card Replacement Fee 
$10.00 per card.  If Your Account is subject to a Card Replacement Fee, A fee will be charged for each replacement 
Card that is issued to You for any reason.