FOREIGN TRANSACTIONS AND CHARGES: Any international transaction is 
subject to a 1% International Service Assessment (ISA) fee. 

OTHER CHARGES: Other Charges will be added to your account, as 
applicable. Please see the section entitled “Credit Card Disclosures” at the 
end of this agreement for other fees.

LATE PAYMENT FEE: We reserve the right to charge a late payment fee of 
$35.00 to your account each billing period that the minimum monthly 
payment is not received on or before your due date.

LOST OR STOLEN CARDS AND CHECKS: You will notify us AT ONCE, if 
you believe that a Card, Convenience Check, Account Number, Personal 
Identification Number (PIN) or any combination of the four has been 
used without your permission by immediately calling us at toll free at 
844.238.4228. Representatives are available to assist you 24 hours a day,
7 days a week.

PAYMENTS MARKED “PAID IN FULL”: We may accept checks, money orders, 
or other types of payment marked “payment in full” or use other language 
to indicate full satisfaction of any indebtedness, without being bound by 
such language or waiving any rights under this Agreement. Full satisfaction 
of indebtedness shall be accepted by us only in a written agreement, signed 
by an authorized representative.

DELAY IN ENFORCEMENT / ENFORCEABILITY: We can delay enforcing any of 
our rights under this Agreement without losing them. If any terms of this 
Agreement are found to be unenforceable, all other provisions will remain 
in full force. You understand and agree that this Agreement is made in 
Michigan and shall be governed by the laws of the State of Michigan. 
INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled “VISA 
Credit Card Welcome Letter”, “Credit Disclosures”, or “Pledge of Shares 
Securing a VISA Credit Card” is an integrated part of this Agreement.

This Agreement is the contract which 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. You understand that we may 
amend, modify, add to, or delete from this Agreement any of its terms and 
conditions, including the amount of Finance Charge, effective as to any 
unpaid balance outstanding and any subsequent advance, upon providing 
notice to you where required by law.

CHANGE OF PERSONAL INFORMATION: You must notify us immediately if 
you change your name, address, or home or business telephone number. 
All written notices and statements from us to you will be considered given 
when placed in the United States mail, postage prepaid, and addressed to 
you at your current address as it appears in our records.

TRANSFER OF ACCOUNT: You cannot transfer or assign your Account to any 
other person.

TRANSACTIONS WITH MERCHANTS

RETURN POLICY: If a merchant discloses a policy such as “no returns”, “no 
refund”, “no return or credit without receipt”, “as is”, “store credit only”, or “all 
sales final”, you will be bound by that policy when you use your Account to 
buy goods or services from that merchant.

MERCHANT DISPUTES: The Credit Union is not responsible for the refusal of 
any merchant or financial institution to honor the Card.

YOUR BILLING RIGHTS
This notice contains important information about your rights and our 
responsibilities under the Fair Credit Billing Act. If you think your statement 
is wrong, or if you need more information about a transaction on your 
statement, write us on a separate sheet at the address listed on your 
statement. Write to us as soon as possible. We must hear from you no later 
than sixty (60) days after we sent you the first statement on which the error 
or problem appeared. You can telephone us, but doing so will not preserve 
your rights.

In your letter, give us the following information:
• Your name and Account Number. 
• The dollar amount of the suspected error. 
• Describe the error and explain, if you can, why you believe there is an error. 
If you need more information, describe the item you are not sure about. 

If you have authorized us to pay your Credit Card Account automatically 
from your share account, checking account, or through payroll deduction, 
you can stop the payment on any amount you think is wrong. To stop 
the payment, your letter must reach us three (3) business days before the 
automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR 
WRITTEN NOTICE: We must acknowledge your letter within thirty (30) days, 
unless we have corrected the error by then. Within ninety (90) days, we 
must either correct the error or explain why we believe the statement is 
correct.

After we receive your letter, we cannot try to collect any amount you 
question, or report you as delinquent. We can continue to send statements 
to you for the amount you question, including Finance Charges, and we 
can apply any unpaid amount against your Credit Limit. You do not have 
to pay any questioned amount while we are investigating, but you are still 
obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to 
pay any Finance Charges related to any questioned amount. If we didn’t 
make a mistake, you may have to pay Finance Charges, and you will have to 
make up any missed payments on the questioned amount. In either case, 
we will send you a statement of the amount you owe and the date that it is 
due.

If you fail to pay the amount that we think you owe, we may report you as 
delinquent. However, if our explanation does not satisfy you and you write 
to us within ten (10) days telling us that you still refuse to pay, we must tell 
anyone we report you to that you have a question about your statement. 
And, we must tell you the name of anyone we reported you to. We must tell 
anyone we report you to that the matter has been settled between us when 
it finally is.

If we don’t follow these rules, we can’t collect the first $50 of the questioned 
amount, even if your statement was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES: If you have a problem with 
the quality of goods or services that you purchased with a credit card, and 
you have tried in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on the goods or 
services. There are two limitations on this right:
• You must have made the purchase in your home state or, if not within your 
home state, within 100 miles of your current mailing address. 
• The purchase price must have been more than $50. 

These limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the goods or services. 

Visa® Platinum Variable
Visa® Platinum with Advantage Points
Visa® Platinum Fixed Rate
Visa® Platinum Business

Cardholder
Agreement

In this Agreement the words “you” and “your” mean each and all of those: 
(a) whose names appear on a Card or Statement or who uses this Account 
or (b) who otherwise agree to be liable on the Account. Card means the 
VISA® Credit Card and any duplicates and renewals the Credit Union issues. 
Account means your VISA Credit Card Account with the Credit Union. The 
terms “we”, “us, “our” and “Credit Union” mean Advia Credit Union.

OBLIGATION: By applying and receiving, signing, using or authorizing 
another to sign or use the Card and/or Account issued by Advia Credit 
Union, you agree to the following terms and conditions and any 
subsequent amendments. You have applied to us for a VISA Credit Card 
Account. You agree that each use of your Account constitutes a loan 
and that such loan shall at no time exceed the assigned credit limit 
(the maximum “Credit Limit”) disclosed to you on your VISA Credit Card 
Card Carrier in which your card was delivered to you, as applicable, and 
incorporated herein by reference. You may request an increase in your 
Credit Limit, but Credit Limit increases must be approved by us. We may 
change the Credit Limit at any time upon notice to you.

USING YOUR ACCOUNT: You may use your Card, up to your credit limit, 
to buy or lease goods or services wherever the Card is honored. You may 
also use your Card to receive a cash advance from participating financial 
institutions. You may be able to transfer balances to your Account from 
other creditors. If we provide Convenience Checks to you, you may also 
use them to purchase goods or services where they may be honored. You 
agree that your Account may not be used directly or indirectly for: (1) any 
illegal activity or transaction; or (2) any gambling, gaming, betting or similar 
activity or transaction. However, if a charge or transaction described above 
is approved and processed, you will still be responsible for such charges.

You agree that we may re-examine and re-evaluate your creditworthiness 
at any time. You authorize us to obtain information from others such as 
creditors and credit reporting agencies, concerning you and your credit 
accounts with them. You also authorize us to respond to requests from 
creditors and credit bureaus regarding the status and history of your 
Account. Late payments, missed payments or other defaults on you loan 
account may be reflected in your credit report.

FINANCE CHARGE:  The Daily Periodic Rate and corresponding ANNUAL 
PERCENTAGE RATE used in calculating the Daily Periodic finance charge are 
disclosed on your VISA Credit Card Carrier in which your card was delivered 
to you, as applicable. There is no minimum finance charge.
For Purchases:

550 S. Riverview 
Parchment, MI 49004
844.238.4228
www.adviacu.org

May 2015

G-15362

GRACE PERIOD / AVERAGE DAILY BALANCE (INCLUDING NEW PURCHASES): 
To avoid incurring an additional FINANCE CHARGE on the balance of Credit 
Purchases reflected on the statement and on any new Credit Purchases 
appearing on your next statement, you must pay the New Balance shown 
on the statement on or before the Payment Due Date. The FINANCE 
CHARGES for a billing cycle are computed by applying the monthly Periodic 
Rate to the average daily balance of Credit Purchases, 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 
to the Previous Balance of Credit Purchases to any new Credit Purchases 
posted to your account and subtracting any payments as received and 
credits as posted to your Account, but excluding any unpaid FINANCE 
CHARGES.

This determines your total Finance Charge for the billing cycle. Actual 
Finance Charges will be shown on your Periodic Statement.

For Cash Advances and Balance Consolidations and/or Convenience Checks:

AVERAGE DAILY BALANCE (INCLUDING NEW ADVANCES): The FINANCE 
CHARGES for a billing cycle are computed by applying the monthly Periodic 
Rate to the average daily balance of Cash Advances, 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 of Cash Advances is 
determined by adding to the Previous Balance of Cash Advances any new 
Cash Advances as of the transaction date or the first day of the billing 
cycle in which posted, whichever is later and subtracting any payments as 
received and credits as posted to your account, but excluding any unpaid 
FINANCE CHARGES. Cash Advances begin accruing FINANCE CHARGES 
immediately, with no grace period. 
This determines your total Finance Charge for the billing cycle. Actual 
Finance Charges will be shown on your periodic statement.

CONVENIENCE CHECKS: You may be able to access your Account by utilizing 
VISA Convenience Checks that may be provided to you. If we provide 
convenience checks for your account, the following terms apply.
We will honor and pay Checks up to your available Credit Limit as long 
as they are drawn on forms authorized by us and presented before the 
expiration date on the Check. 
To stop payment on a Check, you must call us during our business hours 
with the following information: the exact dollar amount of the Check; the 
Check number; your Account number; the name of the party to whom the 
Check was written and the name of the person who signed the Check. 
We will stop payment on the Check, if we receive your stop payment 
request by the business day before the day we pay your Check. The day we 
pay the Check may be before it posts to your Account. The stop payment 
order will remain effective for six (6) months. You may write to us to cancel 
the order at any time. 
If a Card is reported lost or stolen, the Checks are null and void. 
You agree to hold us harmless and to indemnify us from any liability 
incurred due to a delay or misrouting of a Check where the delay or 
misrouting is caused by markings placed on the Check by you or a 
prior endorser that obscure any depository endorsement placed by 
us or our agent. 
For the purpose of calculating Finance Charges, Checks are the same 
as Cash Advances. 
The Credit Union may recognize the signature of anyone who signed the 
credit application for the Account as authorized to transact any business on 
this Account, including signing of Checks. 
Checks may not be used to pay any amount you owe under this Agreement 
or under any other credit agreement or account you hold with us. 
We do not have to pay a Check if: (a) you are in default under this or any 
other agreement with us, (b) if payment would cause you to exceed your 
Credit Limit, (c) if your right to use Checks on your Account is cancelled, 

closed or suspended, or if card not activated, (d) your signature or the 
payee’s name or endorsement is missing on the Check or the Check 
appears altered, or (e) your Check is post-dated. If a post-dated check is 
paid resulting in another Check being returned or not paid we are not 
responsible. If we pay any Check under any condition, you must pay us the 
amount of the Check, plus applicable fees and charges, unless such liability 
is precluded by law. 

REPAYMENT: You promise to pay all amounts due on your Account. You 
agree to pay us each month a Minimum Monthly Payment, plus any 
payment past due, any Late and/or Over limit Charges, if applicable. The 
Minimum Monthly Payment will be 3% of the outstanding balance or 
$10.00, whichever is greater. You must pay us directly and we must receive 
your payment on or before the Payment Due Date “Due Date”, in accordance 
with statement instructions, in order for your Account to be credited by 
the Due Date. All payments shall be in U.S. dollars by a check drawn on or a 
money order issued by a U.S. financial institution, naming us as payee. You 
must not send cash. You may make your payment with cash in person at a 
Credit Union branch teller window during normal business hours as well as 
all acceptable electronic type payments available by the Credit Union.

ALLOCATION OF PAYMENTS: We will determine, at our option but to the 
extent allowed by law, the order in which payments will be applied toward 
Purchases, Cash Advances, Balance Transfers, unpaid Finance Charges and 
Other Fees and Charges. Any payments in excess of the minimum required 
will be applied to the portion of your balance subject to the highest 
interest rate, if applicable. We will credit payments to your account so as 
to avoid additional finance or other charges, but we reserve the right to 
delay reinstatement of your credit line for a reasonable period of time to 
authenticate settlement of funds.

PREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay the 
Minimum Payment Due, you understand that you have the right to repay 
your Account at any time without penalty. You also understand and agree 
that you will only be charged Finance Charges to the date you pay your 
entire Account. You may make larger payments without penalty and this 
may reduce the total amount of Finance Charges that you will pay. Any 
partial payment of your Account will not advance your next Payment Due 
Date(s). Any payments in excess of the minimum required will be applied to 
the portion of your balance subject to the highest interest rate, if applicable. 
You understand and agree that any payment that delays or accelerates the 
repayment of your unpaid balance will increase or decrease your monthly 
Finance Charge accordingly.

TERMINATION OF CREDIT EXTENDED AND ACCELERATION OF REPAYMENT: 
You understand that all loan credit under this Agreement may be 
terminated under any of the following conditions:

•  Upon your failure to make any of the payments when due under 
this Agreement, or pursuant to any other loan agreement with the 
Credit Union. 
•  If you have made or do make any false or misleading statements in 
furnishing financial and other information to us. 
• In the event of your insolvency. 
• If you fail to provide us with a current credit application when requested. 

Upon the occurrence of any of the foregoing conditions, all credit shall 
immediately terminate and written notice will be given by us to you and all 
amounts owing pursuant to this Agreement shall become immediately due 
and payable without demand or further notice at our option at the current 
Annual Percentage Rate until paid. If you fail to pay the entire outstanding 
balance upon demand, you agree to pay all collection costs of the Credit 
Union, including reasonable attorney’s fees. If you terminate the Account, 
you will remain liable to us for use of the Card and/or the Account until all 

Cards are returned to us and the balance is paid in full.

CLOSING YOUR ACCOUNT: You may close your Account by notifying us in 
writing (signature required). We may close your Account or suspend your 
credit privileges at any time without prior notice except as required by law. 
You will stop using your Account and destroy all Cards and Checks on your 
Account. All Liable Parties’ liability will apply to all balances and transactions 
made on the Account even if they are made or processed after the date the 
Account is closed.

If we receive a request from any Liable Party to remove another Liable Party 
from the Account, we may honor or refuse the request without prior notice.

DEFAULT: You will be in default if: 1) you do not pay on time or the proper 
amount(s); 2) you fail to live up to any of the terms of this Agreement 
and Disclosure Statement; 3) your creditworthiness is impaired; or 4) you 
die, become insolvent or are the subject of bankruptcy or receivership 
proceedings. In the event of any action by us to enforce this Agreement 
and Disclosure Statement, you agree to pay the costs thereof, reasonable 
attorney’s fees, and other expenses. You understand and agree that Finance 
Charges at the Annual Percentage Rate as permitted under this Agreement 
and Disclosure Statement will continue to accrue until you repay your 
entire loan.

CROSS DEFAULT: You understand and agree that your breach or default 
of the terms and conditions of this Agreement for your Card shall also be 
deemed to be a default of any and all other loans you now have with us 
or obtain in the future with us. Further, you understand and agree that 
your breach or default of the terms and conditions of any other loan 
you now have with us or obtain in the future with us shall be deemed to 
be a default of the terms and conditions of the Agreement for this VISA 
Credit Card Account. This “Cross Default” agreement shall not apply to any 
loans secured by real property, property used as your dwelling or where 
otherwise prohibited by Federal or State Law or Regulation.

PLEDGE OF SHARE ACCOUNT(S) — NOTE: You have agreed to pledge to us 
and grant a security interest in all individual and joint accounts you have 
with us now and in the future, to secure your VISA Credit Card Account and 
all payments, interest, late charges, costs of expenses due hereunder. You 
authorize us to apply the balance in these account(s) to pay any amounts 
due under this agreement, if you should default. This pledge of shares does 
not apply to shares held in an IRA Account.

SHARE-SECURED VISA: As collateral for amounts you may request to be 
advanced from time to time pursuant to this VISA Credit Card Agreement, 
you pledge and grant to the Credit Union a lien on your deposits of the 
percentage of your maximum credit limit in any Share Account you hold 
with the Credit Union. If you are in default under this Agreement, the Credit 
Union may take sums from any Share Account you own, either as primary 
or joint member, in payment on any amounts owed to the Credit Union 
by you. If the amounts pledged are not sufficient to pay off all amounts 
owed to the Credit Union you agree and acknowledge that you will be 
responsible for any and all deficiencies including any fees, charges and 
costs, including without limitation reasonable attorney’s fees and costs 
which may have been incurred by the Credit Union as a result of 
your default.

ACCELERATION AND COLLECTION COSTS: Upon your default, you 
understand and agree that we have the right to temporarily or permanently 
suspend any and all Account and Card privileges and/or we may demand 
immediate payment of the unpaid balance, Finance Charges, Late Charges 
and collection costs, in additional to any other credit union services. You 
understand and agree that you will be subject to Finance Charges (at the 
applicable Monthly Periodic Rate), Late Charges and collection costs under 

the terms disclosed in this Agreement and Disclosure Statement, until you 
repay the entire loan. You also agree to pay reasonable attorney’s fees and 
court costs.

UNAUTHORIZED TRANSACTIONS: You will have no liability (“Zero Liability”) 
for unauthorized transactions with your VISA Credit Card that are processed 
through VISA. You must refer to the Credit Union’s Electronic Funds Transfer 
(EFT) Disclosure for your liability for unauthorized ATM transactions. Zero 
Liability also will not apply to VISA Credit Cards issued outside the U.S. or 
to commercial cards. You must provide a written statement regarding any 
claim of unauthorized VISA transactions.

If you notify us of unauthorized transactions which were processed through 
VISA (this does not include cash disbursements at an ATM using your VISA 
Credit Card), we will provide a provisional credit to your account within five 
(5) business days of the notification. If you tell us orally, we will require that 
you send us your complaint in writing within ten (10) business days. We will 
not credit your account until your written complaint is received.

“Unauthorized” means the use of your VISA Credit Card by a person, other 
than you, who does not have actual, implied or apparent authority for such 
use and from which you receive no benefit.

ELECTRONIC FUND TRANSFER: In the event a use of your Card or the 
Account constitutes an Electronic Fund Transfer, the terms and conditions 
of our Electronic Funds Transfer (EFT) Disclosure with you shall govern 
such transactions to the extent the EFT Disclosure expands or amends 
this Agreement.

RESPONSIBILITY OF BORROWER: You agree not to consummate any 
consumer credit transaction under this Agreement upon knowing that the 
credit privilege under this Account has been terminated or suspended. You 
agree to repay us according to the terms of this Agreement and Disclosure 
Statement for all purchases, advances, Finance Charges and Late Charges, 
if any, arising from the use of the Account by you or any other person you 
permit to use the Account, even if that person exceeds your permission. You 
cannot disclaim responsibility by notifying us, although we will close the 
Account if you so request and you will return all Cards to us. Your obligation 
to pay the Account balance continues even though an agreement, divorce 
decree 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. Any person 
using the Account and/or Card is jointly and severally responsible with 
you for charges he or she makes, plus any Finance Charges, Other Fees 
and Charges and expenses provided in this Agreement and related to such 
transactions, but if that person: (1) signs the Card or (2) if his/her name 
appears on a statement or (3) if he or she has agreed to be liable (even if 
his/her name does not appear on a statement) he or she becomes a party 
to this Agreement and is also responsible for all charges on the Account, 
including yours. In each case described above, that person and you will be 
individually and jointly liable (“Liable Party(ies)”) for all credit extended on 
the Account (other than for Unauthorized Charges) including any Finance 
Charges, Late Charges, Other Fees and Charges, and expenses as provided 
in this Agreement. By using your Account or making payment on the 
Account knowing that your name appears on any statement, you agree that 
our records are accurate. If you are an Authorized User (as defined below), 
your liability does not relieve any Liable Party under this Agreement from 
liability for the Authorized User’s transactions until paid in full. The Cards 
remain our property and you must recover and surrender to us all Cards 
upon our request and/or upon termination of this Account.
AUTHORIZED USERS: You may allow Authorized Users on your Account 
by notifying us that you want someone added to your Account as an 
Authorized User, or by lending your Card or Account Number to another, 
or by any other ways in which you would be legally considered to have 
allowed another to use your Account.

Advia Credit Union Visa Platinum Credit Card 
Schumer Box – Updated for January 1, 2016 

Important Information – please see full cardholder agreement at www.adviacu.org/disclosures/pricing-and-
disclosures/ 
Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) on Purchases (as low as)* 

Platinum Variable  
Platinum Variable with Advantage 
Points 10.50% to 18.00% 
8.50% to 16.50% 
This APR may vary with the market based on the Prime Rate + as low as 
5.00% to 18.00% (maximum APR is 18.00%) based on creditworthiness. 
Platinum Variable  
3.99% 
This APR may vary with the market based on the Prime Rate  

Platinum Variable with Advantage 
Points 4.99% 

Platinum Fixed Rate 
8.90% to 
16.90% 
Platinum Fixed Rate 
4.99% 

Other Annual Percentage 
Rates(Introductory: Purchases 
and balance transfers made within 
first six (6) months following card 
issuance**) 
Minimum Monthly Finance 
Charge  
Minimum Monthly Payment 
How to Avoid Paying Interest 
on Purchases 

For Credit Card Tips from 
Consumer Financial Protection 
Bureau 
Fees 
Annual Fee 
Balance Transfer  
Cash Advance  
Late Payment Charge 
Over Limit Charge 
Return Check Charge 
Stop Payment Charge 
Foreign Transaction Charge 

None 

The greater of 3% outstanding balance or $10 (not to exceed total amount owed) 
Your due date is at least 25 days after the close of each billing period. We will not charge you 
any interest on purchases if you pay your entire balance by the due date of each month. We 
will begin charging interest on cash advances, balance transfers and convenience checks from 
the date of the transaction. 
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 
https://www.consumerfinance.gov/learnmore 

None 
$0 
$0 
$35 
N/A 
$32 
$32 
1% Transaction Amount 

How We Calculate Your Balance: We use a method called “Average daily balance (including new purchases)” 

Variable Rate Information:  On variable rate programs, your Annual Percentage Rate may vary quarterly, and will be determined 
according to an index. The index is the highest Prime Rate charged by banks as published in the Wall Street Journal as of the last 
business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your 
Annual Percentage Rate is equal to as low as Prime Index +5.00%. An increase in the index will result in an increase to your Annual 
Percentage Rate. *Rates vary based on credit worthiness of borrower(s) at time of application. Any increase or decrease in the 
Annual Percentage Rate will take effect on the first day of the following month’s billing cycle. The maximum APR will be 18.00%. 
**Introductory promotional offer on purchases and balance transfers made within six (6) months of card issuance. Rate reverts to 
non-promotional stated rate on the first day of the new billing cycle following promotional periods of six (6) months on purchases 
and one (1) year from date of balance transfers.