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.  
 
 
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 inc rease 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 tim e 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 i n 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) 
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 f ederal 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 acco unts 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.   Page  2 of 6 
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 replenis hing 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. 
5. INTEREST  AND  FINANCE  CHARGES  � We will begin  charging  You interest  on purchases  on the date the 
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 b alance.� 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 payment s 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  acco mpanying  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 governme nt 
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.   Page  3 of 6 
03116182 -MXC30 -C-1-062421  (MXC305 -E)  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 transacti on 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 Agreem ent. 
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 a ny 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  privilege s until We can verify  the activity,  or We may close  the Account.  
9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If You have authorized a merchant to bill charges  
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 continue d 
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  recurr ing 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 u npaid 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  NOT IFICATION  � 
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, a nd 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, cha nges 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 a ffect 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   Page  4 of 6 
03116182 -MXC30 -C-1-062421  (MXC305 -E)  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 repaym ent 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 Ca rd 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 payi ng 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 o ral 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 colle ction 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. ASSIGN MENT  � 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 Fl orida  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.  Page  5 of 6 
03116182 -MXC30 -C-1-062421  (MXC305 -E)  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 So uth 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.   Page  6 of 6 
03116182 -MXC30 -C-1-062421  (MXC305 -E)   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 withi n 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 n ecessary 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 Y ou as  
delinquent.  Your  Billing  Rights:  Keep  this Document  for Future  Use  VISIONS FCU  
 
 
CREDIT CARD ACCOUNT OPENING DISCLOSURE  
This Disclosure is incorporated into and becomes part of y our 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 Rat e 
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 o f .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 car d, 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 m ore 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 y our 
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 accou nt). 
 
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 Ag reement, 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 T ransfer 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 availab le, 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 wil l 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 allo w 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 subj ect 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.  
 
Stateme nt 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 co py 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.