CSE FEDERAL CREDIT UNION 
VISA CREDIT CARD AGREEMENT 
330-452-9801 

In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement.  Card means the VISA Credit Card and any duplicates 
and renewals we issue.  Everyone who receives, signs or uses a card issued under this agreement must be a member of this Credit Union.  Account means your VISA Credit 
Card Line of Credit account with us.  We, us and ours means this Credit Union. 

CREDIT DISCLOSURES 
Interest Rates and Interest Charges 
ANNUAL PERCENTAGE RATE (APR) 
for Qualified Purchases & Balance 
Transfers – Visa® Choice Rewards® 

ANNUAL PERCENTAGE RATE (APR) 
for Qualified Purchases & Balance 
Transfers – Visa® Platinum 

ANNUAL PERCENTAGE RATE (APR) 
for Cash Advances – Visa® 
Platinum & Visa® Choice 
Rewards® 
Penalty APR 
Paying Interest 

For Credit Card Tips from the 
Federal Reserve Board 

Fees 
·  Annual Fee 
Transaction Fees 
·  Balance Transfer 
·  Cash Advance 
·  Foreign Transaction 
·  Currency Conversion 
Penalty Fees 
·  Late-Payment 
·  Over-the-credit-limit 
·  Returned Payment 

3.99% introductory APR for a period of 6 billing cycles 
from date of purchase. After that, 8.25% - 18.00%, 
based on your creditworthiness. 
5.99% introductory APR for a period of 6 billing cycles 
from date of purchase. After that, 8.25% - 18.00%, 
based on your creditworthiness. 
8.25% - 18.00% based on your creditworthiness. 

NONE 
Your due date is at least 25 days after the close of each 
billing cycle. We will 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's date. 
To learn more about factors to consider when applying or 
using a credit card, visit the website of the federal reserve 
board at http://www.federalreserve.gov/credit card 

NONE 

NONE 
NONE 
1% of each transaction in U.S. Dollars. 
1% of each transaction in U.S. Dollars. 

up to a maximum of $25.00 
None 
up to a maximum of $25.00 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including current 
transactions)." See your account agreement for more details. 
Billing Rights:  Information on your rights to dispute transaction(s) and how to exercise those rights is provided in your 
account agreement. 

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VISA CREDIT CARD AGREEMENT (Keep this for your records)  

1.	The	Annual	Percentage	Rate	(APR)	for	Purchases	is	fixed,	based	on	your	credit	
worthiness.	

information	regarding	your	account	to	credit	bureaus	and	other	creditors	who	inquire	
of	us	about	your	credit	standing,	to	the	extent	authorized	by	our	By-Laws.		

2.	The	Annual	Percentage	Rate	(APR)	for	Cash	Advances	is	fixed,	based	on	your	
credit	worthiness.	

3.	Late	Fee:	If	the	minimum	required	payment	is	not	received	by	the	26th	of	every	
month	a	late	charge	of	a	maximum	of	$25.00	will	be	imposed.	

4.	Average	Daily	Balance	(including	current	transactions):	We	figure	the	interest	
charge	on	your	account	by	applying	the	periodic	rate	to	the	“average	daily	balance”	
of	your	account.	To	get	the	“average	daily	balance”	we	take	the	beginning	balance	
of	your	account	each	day,	add	any	new	[purchases/advances/fees],	and	subtract	
[any	unpaid	interest	or	other	finance	charges	and]	any	payments	or	credits.	This	
gives	us	the	daily	balance.	Then,	we	add	up	all	the	daily	balances	for	the	billing	
cycle	and	divide	the	total	by	the	number	of	days	in	the	billing	cycle.	This	gives	us	
the	“average	daily	balance.”		

5.	Responsibility.	If	we	issue	you	a	card,	you	agree	to	repay	all	debts	and	the	
FINANCE	CHARGE	arising	from	the	use	of	the	card	and	the	card	account.	For	
example,	you	are	responsible	for	charges	made	by	yourself,	your	spouse	and	minor	
children	or	any	other	authorized	user.	You	are	also	responsible	for	charges	made	
by	anyone	else	to	whom	you	give	the	card,	and	this	responsibility	continues	until	
the	card	is	recovered.	You	cannot	disclaim	responsibility	by	notifying	us,	but	we	will	
close	the	account	for	new	transactions	if	you	so	request	and	return	all	cards.	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	
card	is	jointly	responsible	with	you	for	charges	he	or	she	makes.	If	that	person	signs	
the	card	he	or	she	becomes	a	party	to	this	Agreement	and	is	also	jointly	
responsible	for	all	charges	on	the	account	including	yours.	

6.	Lost	Card	Notification	and	Liability	for	Unauthorized	Use:	
If	you	notice	the	loss	or	theft	of	your	credit	card	or	a	possible	unauthorized	use	of	
your	card,	you	should	write	to	us	immediately	at:	

CSE	Federal	Credit	Union	
1380	Market	Avenue	North	
Canton,	OH		44714	

10.	Monthly	Payment.	We	will	mail	you	a	statement	every	month	showing	your	
Previous	Balance	of	purchases	and	cash	advances,	the	current	transactions	on	your	
account,	the	remaining	credit	available	under	your	Credit	Line,	the	New	Balances	of	
purchases	and	cash	advances,	the	Total	New	Balance,	the	FINANCE	CHARGE	due	to	
date,	any	other	billed	fees,	and	the	Minimum	Payment	required.	
Every	month	you	must	pay	at	least	the	Minimum	Payment	by	the	Payment	Due	Date.	
You	may,	of	course,	pay	more	frequently,	pay	more	than	the	minimum	payment,	or	
pay	the	Total	New	Balance	in	full—and	you	will	reduce	the	FINANCE	CHARGE	by	doing	
so.	The	Minimum	Payment	will	be	(a)	2%	of	your	Total	New	Visa	Balance,	or	$25.00	
whichever	is	greater,	or	(b)	your	Total	New	Balance,	if	it	is	less	than	$25.00	plus	(c)	
any	portion	of	the	Minimum	Payment(s)	shown	on	prior	statement(s)	which	remains	
unpaid.	
We	will	apply	any	payments	we	receive	from	you	in	excess	of	the	Minimum	Payment	
due	to	the	balance	with	the	highest	annual	percentage	rate	and	any	remaining	
portion	to	the	other	balances	in	descending	order	from	the	highest	APR	based	on	the	
applicable	APR	in	accordance	with	the	law.	

11.	Default.	You	will	be	in	default	if	you	fail	to	make	any	Minimum	Payment	within	25	
days	after	your	monthly	statement	closing	date.	You	will	also	be	in	default	if	your	
ability	to	repay	us	is	materially	reduced	by	a	change	in	your	employment,	an	increase	
in	your	obligations,	bankruptcy	or	insolvency	proceedings	involving	you,	your	death	
or	your	failure	to	abide	by	this	Agreement,	or	if	the	value	of	our	security	interest	
materially	declines.	We	have	the	right	to	demand	immediate	payment	of	your	full	
account	balance	if	you	default,	subject	to	our	giving	you	any	notice	required	by	law.	
To	the	extent	permitted	by	law,	you	will	also	be	required	to	pay	our	collection	
expenses,	including	court	costs	and	reasonable	attorneys’	fees.	

12.	Using	the	Card.	To	make	a	purchase	or	cash	advance,	present	the	card	to	a	
participating	VISA		merchant,	to	us	or,	to	another	financial	institution,	and	sign	the	
sales	slip	or	cash	advance	draft.	You	may	also	use	your	Personal	Identification	
Number	(PIN)	in	conjunction	with	the	card	in	an	Automated	Teller	Machine	or	other	
type	of	electronic	terminal.	You	will	retain	your	copy	of	sales	drafts,	cash	advance	or	
credit	slips	to	verify	your	transactions	with	the	monthly	statement.	We	reserve	the	
right	to	make	a	reasonable	charge	for	photocopies	of	slips	you	may	request.	A	card	
may	not	be	used	for	illegal	transactions	such	as	Online	Internet	Gambling.	

Or	call	us	at	330-452-9801	or	after	Credit	Union	hours	call	1-866-273-3281.	
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.	
In	any	case,	your	liability	for	transactions	on	a	lost	or	stolen	Visa	card	is	$0.00	
unless	the	Credit	Union	determines	that	the	Cardholder	was	negligent	or	
fraudulent	in	the	handling	of	the	account	or	card.	

7.	Credit	Line.	If	we	approve	your	application,	we	will	establish	a	self-replenishing	
Line	of	Credit	for	you	and	notify	you	of	its	amount	when	we	issue	the	card.	Your	
Line	of	Credit	for	cash	advances	will	be	one-half	of	the	overall	credit	limit	
established	for	you.	This	Line	of	Credit	for	cash	advances	is	part	of	not	in	addition	
to	your	established	Line	of	Credit.		You	agree	not	to	let	the	account	balance	exceed	
this	approved	Credit	Line.	Each	payment	you	make	on	the	account	will	restore	your	
Credit	Line	by	the	amount	of	the	payment	which	is	applied	to	the	principal.	You	
may	request	an	increase	in	your	Credit	Line	only	by	written	application	to	us,	which	
must	be	approved	by	a	loan	officer.	By	giving	you	written	notice,	we	may	reduce	
your	Credit	Line	from	time	to	time,	or	with	good	cause,	revoke	your	card	and	
terminate	this	Agreement.	Good	cause	includes	your	failure	to	comply	with	this	
Agreement,	or	our	adverse	reevaluation	of	your	creditworthiness.	You	may	also	
terminate	this	Agreement	at	any	time,	but	termination	by	either	of	us	does	not	
affect	your	obligation	to	pay	the	account	balance.	
The	cards	remain	our	property	and	you	must	recover	and	surrender	to	us	all	cards	
upon	request.	

13.	Personal	Identification	Number.	To	obtain	a	Personal	Identification	Number	
(“PIN”)	for	use	with	your	Card	in	accessing	your	line	of	credit	at	automatic	teller	
machines	(“ATM’s”),	contact	PIN	Now,	at	1-888-891-2435.	PIN	numbers	are	issued	to	
you	for	security	purposes.	These	numbers	are	confidential	and	should	not	be	
disclosed	to	third	parties.	You	are	responsible	for	safekeeping	your	PIN.	You	agree	
not	to	disclose	or	otherwise	make	available	your	PIN	to	anyone	not	authorized	to	sign	
on	your	Accounts.	If	you	authorize	anyone	to	use	your	PIN	that	authority	shall	
continue	until	you	provide	us	with	express	revocation	of	that	authority.	If	you	fail	to	
maintain	your	PIN	security	and	we	sustain	a	loss,	we	may	terminate	all	services	on	
your	Accounts	immediately.	To	keep	your	Account	secure,	do	not	write	your	PIN	on	
your	Card	or	keep	it	in	the	same	place	as	your	Card.	

14.	Returns	and	Adjustments.	Merchants	and	others	who	honor	the	Card	may	give	
credit	for	returns	or	adjustments.	We	will	post	these	to	your	account.	If	your	credits	
and	payments	exceed	what	you	owe	us,	we	will	hold	and	apply	this	credit	balance	
against	future	purchases	and	cash	advances,	or	if	it	is	$1	or	more,	refund	it	on	your	
written	request	or	automatically	after	6	months.		

15.	Foreign	Transactions.	Purchases	and	cash	advances	made	in	foreign	countries	and	
foreign	currencies	will	be	billed	to	you	in	U.S.	dollars.	The	conversion	rate	to	dollars	
will	be	at	(1)	the	wholesale	market	rate	or	(2)	the	government	mandated	rate,	
whichever	is	applicable,	in	effect	one	day	prior	to	the	processing	date,	increased	by	
one	percent.	

8.	Copy	Received.	You	acknowledge	a	receipt	of	a	copy	of	this	Agreement.	

9.	Credit	Information.	You	authorize	us	to	investigate	your	credit	standing	when	
opening,	renewing	or	reviewing	your	account,	and	you	authorize	us	to	disclose		

16.	Security	Interest.	To	secure	your	account,	you	grant	us	a	purchase	money	security	
interest	under	the	Uniform	Commercial	Code	in	any	goods	you	purchase	through	the	
account.	If	you	default,	we	will	have	the	right	to	recover	any	of	these	goods	which	
have	not	been	paid	for	through	our	application	of	your	payment	in	a	manner		

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described	in	paragraph	10.	Your	Account	is	secured	by	all	other	shares	you	have	in	
any	individual	or	joint	account	with	the	Credit	Union,	except	for	shares	in	an	
Individual	Retirement	Account	or	in	any	other	account	that	would	lose	special	tax	
treatment	under	state	or	federal	law	if	given	as	security.	These	other	shares	may	
be	withdrawn	if	you	are	in	default	under	this	agreement.	You	authorize	the	Credit	
Union	to	apply	the	balance	in	your	individual	or	joint	share	accounts	to	pay	any	
amounts	due	on	your	Account	if	you	should	default.	

17.	Effect	of	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.	We	may	amend	this	
Agreement	from	time	to	time	by	sending	you	a	45	day	advance	written	notice	
required	by	law.	Your	use	of	the	card	thereafter	will	indicate	your	agreement	to	the	
amendments.	To	the	extent	the	law	permits,	and	we	indicate	in	our	notice,	
amendments	will	apply	to	your	existing	account	balance	as	well	as	to	future	
transactions.	You	have	the	right	to	reject	a	change	in	terms	prior	to	the	effective	
date	thereof	by	calling	us	toll	free	at	1-866-273-3281	or	by	mailing	us	at:	1380	
Market	Ave	North	Canton	Ohio	44714.	In	such	case,	your	account	will	be	
terminated	or	suspended	and	no	further	credit	will	be	available	to	you.	You	will	
remain	liable	to	pay	the	balance	then	due	under	the	existing	terms.	The	right	to	
reject	a	change	in	terms	does	not	apply	if	we	have	not	received	a	required	
minimum	payment	within	60	days	after	the	due	date	for	that	payment.	

18.	Changing	or	Terminating	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	letter	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	out	your	VISA	Account	
and	issue	you	a	new	card.	

19.	Using	VISA	Convenience	Checks.	From	time	to	time,	we	may	issue	You	VISA	
Convenience	Checks	for	use	as	you	would	use	a	VISA	Card	to	make	a	purchase	or	
payment	or	to	receive	cash.	Your	VISA	Convenience	Checks	directly	access	your	
VISA	Account.	All	VISA	Convenience	Checks	paid	by	us	are	treated	as	Cash	
Advances	hereunder	and,	except	as	otherwise	indicated,	are	subject	to	all	terms	of	
this	Agreement	pertaining	to	Cash	Advances	and	to	the	following	additional	terms:	
• 
VISA	Convenience	Checks	cannot	be	ordered	by	members	of	CSE	Federal	
Credit	Union.	

• 
• 

• 

The	Minimum	VISA	Convenience	Check	amount	is	$100.00.	

No	VISA	Convenience	Check	may	be	used	to	make	a	payment	on	your	VISA	

Account	or	any	other	CSE	loan	obligation.	

Only	the	person	whose	name	appears	on	a	VISA	Convenience	Check	may	use	

them.	

VISA	Convenience	Checks	must	be	written	in	U.S.	Dollars.		

• 
• 
•  We	may	return	a	VISA	Convenience	Check	unpaid	if	there	is	not	enough	

Convenience	Checks	may	not	be	certified.	

be	replaced	with	a	Reward	of	equal	or	greater	value	or	you	will	be	advised	so	that	you	
can	make	an	alternate	selection.	

C.	Points	in	this	Program	may	not	be	used	with	any	other	offer,	promotion	or	
discount,	cannot	be	earned	from	or	transferred	to,	any	other	credit	card	at	another	
institution.	CSE	Federal	Credit	Union	may	offer	additional	redemption	opportunities	
at	its	discretion.	

D.	Your	statement	will	normally	include	the	number	of	Points	earned,	subject	to	
adjustment	as	provided	for	in	these	Rules.	Points	will	be	deducted	from	your	current	
total	of	Points	earned	for	corresponding	retail	purchase	returns	posted	to	your	
account.	Your	account	may	be	charged	for	the	difference	in	the	event	you	have	
already	redeemed	unearned	Points.	

E.	Your	account	must	be	open	and	clear	(i.e.,	not	canceled,	terminated,	delinquent	or	
otherwise	not	available	to	use	for	charges)	at	the	time	you	request	to	redeem	Points.	
Otherwise,	CSE	Federal	Credit	union	reserves	the	right	to	suspend	your	participation	
in	the	Program	and	your	Points	will	be	forfeited.	

F.	Despite	our	best	efforts	to	ensure	accuracy,	printing	errors	occasionally	occur.	We	
reserve	the	right	to	correct	such	errors	at	any	time	even	if	it	affects	an	existing	order.	

G.	This	Program	may	be	modified,	suspended	or	canceled	and	the	redemption	value	
of	already	accumulated	Points	may	be	changed	at	any	time	without	notice	and	
without	restriction	or	penalty.	CSE	Federal	Credit	Union	reserves	the	right	to	change	
the	point	accrual	and	retention	period	from	time	to	time.	Changes	to	the	Program	
may	include,	but	are	not	limited	to,	modifications	which	(i)	increase	the	point	value	
for	every	Net	Purchase	dollar	charged	and	(ii)	expire	points	based	on	the	point	term,	
age	and	expiration	date	of	the	selected	option(s).		

H.	You	will	be	notified	of	point	accrual	and/or	point	expiration	Program	changes.	
Contact	the	Financial	Institution	for	details	on	applicable	accumulation	options	which	
are	then	in	effect.	Points	may	be	forfeited	due	to	Rules	violations.	This	Program	is	
void	where	prohibited	or	restricted	by	law.	You	are	responsible	for	any	federal,	state	
or	local	income,	sales,	use	or	other	taxes	or	gratuities.	

I.	Certain	restrictions	may	apply	to	travel,	lodging	and	other	certificates.	Travel	and	
other	certificates	are	not	exchangeable,	refundable,	transferable	or	redeemable	for	
cash.	All	certificates	will	be	mailed	first	class	and	will	not	be	replaceable	in	the	event	
of	loss,	destruction	or	theft.	

J.	We	are	not	responsible	for	the	availability	of	the	Website,	
www.selectyourrewards.com/choicerewards	

K.	This	Program	is	available	to	account	holders	(“You”)	which	CSE	Federal	Credit	
Union	has	enrolled	in	this	Program.	Your	use	of	your	account	following	receipt	of	
these	Rules	will	indicate	your	agreement	to	these	Rules.	

*	Reward	Points	expire	after	60	months.	See	your	statement	for	details.	For	full	Terms	
and	Conditions,	visit	www.selectyourrewards.com/choicerewards.	

available	credit	on	your	Account	to	pay	it,	if	your	Account	is	in	Default,	or	if	a	

Card	or	any	VISA	Convenience	Checks	have	been	reported	lost	or	stolen.		

20.	Choice	Rewards	Terms	and	Conditions.	Changes	to	the	Program	may	happen	at	
any	time	without	notice	and	without	restriction	or	penalty.	For	the	most	current	
list	of	merchandise	available,	point	values	and	to	redeem	points	for	merchandise,	
go	to	www.selectyourrewards.com/choicerewards.	
A.	Every	dollar	in	purchases,	net	of	returns	(“Net	Purchases”)	you	charge	to	your	
account	covered	by	this	Choice	Rewards	Program	(“Program”)	and	that	appears	on	
your	statement	during	the	Program	period,	earns	You	one	bonus	point	(“Point”)	as	
provided	for	in	these	Rules.	Points	for	this	Program	begin	to	accumulate	with	
purchases	you	make	beginning	on	the	first	day	you	are	accepted	into	the	Program.	
Final	Choice	Reward	orders	must	be	received	no	later	than	60	days	after	your	
Program	ends.	Contact	us	for	details.	

B.	Points	can	be	used	to	order	items	described	online	at	
www.selectyourrewards.com/choicerewards.	You	may	select	rewards	from	any	
level,	subject	to	availability,	as	long	as	you	have	the	then	necessary	number	of	
Points	posted	to	your	account.	Point	requirements	are	subject	to	change	and	
Rewards	may	be	substituted	at	any	time.	Should	a	Reward	be	discontinued,	it	will		

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YOUR BILLING RIGHTS—KEEP THIS NOTICE FOR FUTURE USE 
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 

Notify us In Case of Errors or Questions About Your Bill 
If you think there is an error on your statement, write to us at: 

CSE Federal Credit Union 
1380 Market Ave N 
Canton, OH  44714 

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. 
• 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. 

While we investigate whether or not there has been an error, the following are true: 
• 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. But, 
if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees 
related to that amount. 
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

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: 

CSE Federal Credit Union 
1380 Market Ave N 
Canton, Ohio 44714 

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. 

By signing below, you are granting us a security interest in any of your share accounts with us to secure payment of your 
Visa Account.  You authorize us to apply any funds in your share accounts to the balance owing on your Visa Account if 
you should default. 

PLEDGE OF SHARES 

X 
Applicant - Member Signature 

Date 

X   
Co-Applicant - Member Signature 

Revised 5/16 

X   
CSE Staff Signature 

Date 

Date