CREDIT CARD CARDHOLDER AGREEMENT 
AND DISCLOSURE STATEMENT 

The following terms and conditions governing credit cards constitute a mutually protective service 
agreement (the "Agreement") between you and Travis Credit Union (The “Credit Union.”)  (Please read 
the entire Agreement.) You have applied for a MasterCard® or Visa® Credit Card with Travis Credit 
Union.  If issued, the extension of a Credit Card to you under this Agreement will be subject to the 
following terms, which may be amended from time to time.  

Having applied for this card, you have certified that all the information you provided was true and 
correct.  You understand that it is illegal to provide false information in order to obtain the card.  By 
using the card you affirm that you authorized Travis Credit Union to obtain your address from DMV and 
waived address confidentiality rights that you may have under California Vehicle Code §1808.21 and 
comparable laws of other states.  You further authorize the Credit Union to investigate your credit 
standing when opening, renewing, or reviewing your Credit Card Account.  

Changes in Terms 
The Credit Union can change the terms of this Agreement, including the Annual Percentage Rate, by 
giving you written notice 45 days prior to the effective date of the change.  If you do not want the 
changes to apply to your credit card account, you must notify us in writing within 15 days after the date 
of your billing statement or within 15 days of the date a separate change of terms notice was mailed, 
stating your non-acceptance of the terms and indicating your name, address and account number.  Mail 
it to Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696.  If you notify us, your credit card will be 
cancelled, but you can continue to pay off the balance under the old terms.  If you do not notify us or if 
you continue to use your card, the new terms, or new Annual Percentage Rate (APR), will apply to the 
balance of your loan.  Your notice of termination will not affect any unprocessed transactions that 
occurred prior to your written notice of termination, for which you will be obligated.  

Governing law  
This Agreement is made in California and shall be governed by the laws of the State of California to the 
extent that California Law is not inconsistent with controlling Federal Law.  California’s “Choice of Law 
Rules” will not be applied if they would result in the application of non-California law.  You agree by use 
of this Service that you do hereby submit to jurisdiction of the courts of California regarding Travis 
Credit Union and that any conflict brought or filed with respect to use of this Service or concerning this 
Agreement shall be brought in a court of competent jurisdiction in Solano County, California.  

Using your Card  
1.  You consent to the terms of this Agreement by using your credit card.  You continue to be bound for 

all transactions resulting from the use of the card until you have given us written notice of 
termination of your credit card account (the “account”).  This termination will not affect any 

CCHDISC 05/17 

Page 1 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
unprocessed transactions that occurred prior to your written notice of termination, for which you 
will be obligated. 

2. 

If the Credit Union approves your application, each applicant will be issued the credit card applied 
for and will be able to use the account.  Each applicant will also be liable to repay the account under 
the terms of this Agreement.  Co-signers who do not have access to the account, but are still liable 
for the loan, acknowledge receipt of a copy of this Agreement as well as the separate “Notice of Co-
signer.”  

3. 

If you remove your name from a joint account on which a credit card was issued, you are still 
obligated for any transaction that took place prior to you removing your name.  

4.  You are also obligated to repay any charges resulting from the use of the card by another person 

with your permission, whether or not the person stays within the limits set by you.  

5.  Any persons who use the card are also obligated to repay the Credit Union for all charges incurred 

because of their use of the card.  

6.  You remain bound to pay for charges under this Agreement even though another person has been 

directed to pay the debt by agreement or court order such as a divorce decree.  

7.  To make a purchase or get a cash advance, present the card to a participating Credit Card plan 

merchant, to us, or to another financial institution, sign the sales or cash advance draft imprinted 
with your card number.  Keep a copy of the draft to verify your monthly statement.  

8.  Your Credit Card may also access designated Automatic Teller Machines (ATMs) showing the Credit 

Card logo.  The use of your Credit Card for ATM access is subject to additional ATM disclosure terms.  

9.  Convenience Checks.  Credit Card account cardholders may sometimes be issued personalized 
checks that can be used to access your credit without additional service charges other than the 
accrual of Finance Charges.  

10. Foreign Transactions and Charges.  Purchases and cash advances made in foreign currencies will be 
billed in U.S. dollars.  The conversion rate in U.S. dollars will be either at the government mandated 
rate or a wholesale currency market rate determined by Visa® or MasterCard International® for the 
processing cycle in which the transaction is processed.  

The currency conversion rate used by Visa® or MasterCard International® on the processing date 
may differ from the rate that would have been used on the purchase date or cardholder statement 
posting date. The Credit Union has no control over the conversion rate.  
a.  Visa Credit Cards.  In addition to the conversion rate selected by Visa®, a separate Visa 

International Service Assessment Fee of 1% is charged to the Credit Union and will also appear 
as a separate line item on your statement.  

b.  MasterCard Credit Cards. In addition to the conversion rate selected by MasterCard ®, a 

separate MasterCard foreign transaction fee of 1% is charged to the Credit Union and will also 
appear as a separate line item on your statement. 

CCHDISC 05/17 

Page 2 of 11 

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
  
11.  Unlawful Activity.  You agree not to use any financial service provided by Travis Credit Union, 

including without limitation any credit cards, debit cards, loan transactions, or share checking or 
savings accounts, for any illegal or unlawful purpose.  Any illegal or unlawful use of Travis Credit 
Union financial services by you may, at the option of the Credit Union, be deemed an event of 
default or breach of contract with respect to the service(s) in question and your use of such 
service(s) may be terminated or restricted.  You agree to defend, indemnify and hold Travis Credit 
Union harmless from and against any and all claims, damages, lawsuits, liabilities, losses, injuries and 
costs, including attorney’s fees, arising out of, caused by, or related to your unlawful or illegal use of 
Travis Credit Union financial services.  

Internet gambling may be illegal or unlawful in the state, country or other jurisdiction in which you 
are located or in which you perform a transaction or use a Travis Credit Union financial service, 
including a debit card, VISA® or MasterCard®. Display of a VISA®, MasterCard®, or other payment 
logo by an online merchant does not mean that Internet gambling transactions are lawful in the 
jurisdiction(s) in which you may be located.  

Illegal or unlawful use of Travis Credit Union financial services by you may also result in the 
suspension or termination of your Travis Credit Union membership.  

12.  Transaction Limitations.  For security reasons there are limits on the number and dollar amount of 
transactions, transfers or withdrawals you can make with your card each month. This includes 
credit, point-of-sale, ATM and other electronic transactions or transfers conducted using your card.  

Credit Limit  
1. 

If your application is accepted, the Credit Union will establish a credit limit for you.  The amount will 
be based on many factors including your ability to pay and your creditworthiness.  

2.  Your account will be an open-end or revolving credit account.  This means that you can borrow the 
full amount of the credit limit, repay the principal in full or part and borrow again up to your 
maximum credit limit as long as you continue to be creditworthy.  

3.  The Credit Union has the right to terminate the account without advance notice.  It will notify you in 
writing of the reason for any such denial of credit.  Among the reasons for refusing to advance you 
credit are an adverse change in your credit worthiness, such as not making current loan payments, a 
change in your employment status, your insolvency, bankruptcy, or death.  

4.  Your credit limit will be reviewed periodically and you may be requested to provide current 

information. Your borrowing limit may be increased or decreased at any time.  You can apply for an 
increase in your credit limit at any time.  

5.  Payments received will be immediately applied against the amount owed, and your loan balance 

reduced accordingly.  However, in certain instances, the payment amount may not be immediately 
applied to the available credit on your account.  

Repayment Terms 
1.  You promise to pay to the Credit Union at the address designated on your statement all sums 

advanced to you under this agreement at any time plus a Finance Charge.  

CCHDISC 05/17 

Page 3 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2.  The minimum required monthly payment is the greater of 2% of the new balance shown on your 
current statement or $20.00, plus any past due minimum required payment and any amount that 
exceeds your approved credit limit.  The minimum monthly payment is increased as the loan 
balance increases as stated in the monthly statement. 

3.  The Credit Union will send you monthly statements of your Credit Card account which will advise 

you of the status of your account and other information required by law.  

4.  Any advance, together with your current outstanding balance, which for any reason is in excess of 

your authorized credit limit, must be reduced to the authorized limit by a single lump sum payment 
by you, upon written notification by the Credit Union.  

5.  The balance owed by you, including accrued Finance Charges on the unpaid balance, may be repaid 

in full at any time without prepayment penalty.  

6. 

If the payment exceeds the outstanding balance of your credit card account, the amount over the 
credit limit will be transferred to your regular savings account.  In certain instances, a hold may be 
placed on the portion credited to your savings account and may not be available for immediate 
withdrawal.  If this occurs, a notice will be provided, advising you of the amount held, the date 
available and the reason for the hold.  

7.  Payments may be made by mail, electronically, by phone (See How to Contact Us section), or in 

person at any of our branches to an employee of the Credit Union.  

8.  Your payment will be credited on the date of receipt, Monday through Friday, if received in-person 

at any of our branches before 5:30PM.  

9. 

If your due date falls on a weekend or federal holiday, a payment made in-person at any of our 
branches on the next business day will be considered as having been made on time.  This does not 
apply to electronic payments, which can be made on a weekend or federal holiday.  

10. A fee will not be charged for payment by mail, electronic transfer, telephone or other means unless 

it is for an expedited payment.  

Finance Charges 
1.  The Finance Charge is the amount of money that you pay for the money you borrow.  The Finance 

Charge is calculated using the rates reflected on the Annual Percentage Rate (APR) disclosure which 
you received and which is incorporated herein by reference.  

2.  The Finance Charge is calculated by applying the Monthly Periodic Rate to the Average Daily Balance 
for cash advances and the Average Daily Balance for purchases.  The Average Daily Balances for cash 
Advances and for purchases are shown separately on your statement.  The APR for cash advances, 
balance transfers or purchases may not be the same, and may result in different finance charges 
depending on the transaction.  

3.  The Average Daily Balance is calculated by adding purchases and cash advances made during the 
statement period, if you had no previous balance or paid the balance in full within 25 days of the 
last statement closing date. If you had a previous balance as of the beginning of the statement 

CCHDISC 05/17 

Page 4 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
 
period, it is reduced by any payments and credits and increased by cash advances, non-cash 
transactions and debit adjustments made during the statement period.  The daily principal balances 
are totaled and divided by the number of days in the statement period to arrive at the Average Daily 
Balance.  

4.  The Finance Charge on cash advances runs from the date of each transaction.  Finance Charges on 
non-cash transactions accrue from the date of posting to your account.  However, if you pay your 
new balance in full within 25 days of your statement closing date, current Finance Charges on non-
cash transactions are waived. Otherwise, a Finance Charge will be imposed on the unpaid average 
daily balance on non-cash transactions from the previous statement closing date until the payment 
date. Cash advances include credit withdrawals at ATMs, online transfers, over the counter cash 
advances, and through checking account overdraft protection if that option has been selected.  

5.  A fee of $5.00 will be charged for each cash advance obtained on your Credit Card account.  A cash 

advance charge is included as a Finance Charge under federal requirements.  

6.  The Finance Charge continues to accrue until the date of payment on cash advances or purchases 

carried forward from the previous statement.  

7.  No Finance Charges will be imposed for any purchases paid off within 25 days of the closing date.  

No Finance Charges will be imposed during the current billing cycle for repaid cash advances posted 
to your account during previous billing cycles.  

8.  A partial payment will not reduce the current month’s Finance Charge.  The Finance Charge 

continues to accrue on the same basis on the total unpaid principal balance.  

9.  Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) 
before balances with higher APRs (such as Cash Advances).  Payments made in excess of the 
minimum payment will generally be applied to the balances with the higher APRs first before 
balances with lower APRs. 

Other Charges  
Late Charges.  If the minimum monthly payment is not received at the address shown on your 
statement within 15 days of due date, a late charge of $15.00 will be charged to the account.  If the 
minimum payment is less than $15, the late fee will be no more than the amount of the minimum 
payment.  

Returned Items.  Each time a check or other transfer processed by the Credit Union as a payment on 
your account is returned unpaid, an additional charge of $15.00 will be imposed.  

Replacement Card.  A charge of $5.00 will be imposed for each replacement card.  

Balance Transfer Fee.  None for the first 90 days; after that time, the fee will be 2% of the amount 
transferred, not to exceed $25.00  

Honest Dealing 
You will promptly notify the Credit Union of any information that affects your creditworthiness or ability 
to pay off the loan including but not limited to a change in address or employment. You will not apply to 

CCHDISC 05/17 

Page 5 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
 
increase the credit balance if you have reason to believe that you will be unable to make the scheduled 
payments.  

Additional Terms Applicable to Co-Signers  
As a co-signer you understand that you are obligated to repay any amount borrowed under this 
agreement up to the credit limit established by the Credit Union for the applicant to the same extent as 
the applicant.  The Credit Union can proceed against you if the payments are delinquent even before it 
seeks to recover from the borrower.  The Credit Union will give you notice of any action it takes that 
could have an adverse effect on your credit standing.  Any extension of the payoff or partial settlement 
with the borrower will not waive any of the Credit Union’s rights against you as the co-signer.  You can 
stop being obligated for future loan advances only by writing to the Credit Union to that effect.  But you 
will still be jointly and individually liable with the borrower for the repayment of the existing loan 
according to the terms of the Agreement.  

Security Interests  
The Credit Union may require you to pledge a specified amount on deposit in one or more of your Credit 
Union share accounts as security for repayment of all amounts loaned to you under the terms of this 
Agreement, and by using the credit card you understand and agree that if you secure your credit card 
loan by specifically pledging an amount on deposit, you cannot withdraw the funds pledged from the 
account as long as the pledge is in effect.  If you default in your payments under the terms of this 
agreement, the Credit Union has the right to apply the amount specifically pledged to pay off the Credit 
Card account in full or in part.  The amount pledged and the account will be shown on a separate 
security agreement.  

Default – Lien - Acceleration 
If you are in default on your payments, you no longer have an active Credit Card account, your 
creditworthiness declines, you become insolvent, file for bankruptcy, or die, or any attachment or 
garnishment proceeding are initiated against you or your property, the Credit Union will, at its option, 
terminate your account and declare the entire unpaid balance of the account due and payable 
immediately without notice.  Even if the Credit Union accepts a late payment or partial payment, it is not 
waiving its right to accelerate the payment of the account and declare the entire unpaid balance due.  

Communications 
You agree that representatives of the Credit Union or its agents may call or send text messages to you 
regarding this account or any other account you have at the Credit Union at any telephone number that 
you provide to us or that representatives of the Credit Union or its agents obtain from other sources, 
now or later.  This authorization includes calls and text messages made to cell phones and wireless 
devices using an automated dialing system or prerecorded message.  

Collection Costs  
You agree to pay all reasonable cost of collection incurred by the Credit Union before and after suit is 
filed.  If we have to take legal action to collect what you owe us, you agree to pay our reasonable 
attorney’s fees and court costs in addition to other amounts you owe us, whether the legal action we 
take is a collection lawsuit, a bankruptcy proceeding, an appeal, an action to collect a judgement we 
have against you, or another type of proceeding.  

CCHDISC 05/17 

Page 6 of 11 

 
 
 
 
 
 
 
 
 
Termination  
We can terminate your Credit Card account without prior notice, reduce or cancel all credit available on 
the account, refuse to make further advances, and revoke all cards issued on the account for any breach 
of this Agreement.  Termination of the account does not relieve you of the obligation to repay the full 
account balance due under this Agreement.  

Other Rights  
1.  Unauthorized use of lost or stolen cards.  You may be liable for the unauthorized use of any card 

issued to you after its loss or theft.  
a.  A MasterCard® cardholder will not be liable for such unauthorized use which occurs if the 
cardholder reports the loss, theft or unauthorized use of the card; the cardholder has not 
reported two or more incidents of unauthorized use on the account within the preceding 12 
  months; the card holder has exercised reasonable care in safeguarding his/her card from risk of 

loss or theft and the cardholder’s account is in good standing.  

b.  A Visa® cardholder will not be liable for such unauthorized use which occurs if the cardholder 

reports the loss, theft or unauthorized use of the card. 

Notify us of the loss or theft at our 24-hour telephone number (800) 453-4270 and call the regular 
Credit Union office as well at (707) 449-4000 or (800) 877-8328. Any written inquiries should be sent 
to Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696-2069.  Business or organization accounts 
in which 10 or more cards have been issued to employees or associates are not subject to the 
limitations on liability. You agree to notify us at once of the loss or theft and to cooperate in our 
determination of the circumstances.  

You give your consent to the Credit Union to release any information regarding your card and/or 
card account to any local, state, and/or federal law enforcement agency so that the information can, 
if necessary, be used in the investigation and/or prosecution of any person(s) who may be 
responsible for fraud involving your card and/or card account.    

2.  Credits.  If a merchant who honors your card gives you credit for return or adjustments, he will do 
so by sending us a credit slip which we will post to your account.  If your credits and payments 
exceed what you owe us, we will transfer any amount over your credit limit to your regular savings 
account.  Consistent with the law, we will promptly credit your payments so you do not incur 
unnecessary Finance Charges; however, we reserve the right to hold refunds until final collection of 
items you present for payment on your Credit Card account  

General Terms  
The terms of this agreement must be read together as a part of the whole agreement.  When the 
singular is used the plural is implied if there is more than one signer.  If any part of this agreement is 
found to be invalid, the other parts shall remain in effect. Applicable Federal and State of California laws 
shall govern the interpretation of this agreement.  

CCHDISC 05/17 

Page 7 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
 
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.  

State and Local Law 
The following summary of your rights under Federal law does not cover all rights you may have under 
State and local law.  If under State or local law, you have a longer period of time in which to send an 
inquiry to the Credit Union concerning your statement, reliance on any such longer time period may 
result in you losing your important rights which could be preserved by acting more promptly under 
Federal law.  State or local provisions, if any, only become operative upon the expiration of the time 
period provided by Federal Regulation Z for submitting a proper written notification of an error.  

Notify us in case of errors or questions about your billing statement or electronic transfers 
If you think your statement is wrong, or if you need more information about a transaction on your 
statement, write us at the address listed on your statement.  Write to us as soon as possible.  We must 
hear from you no later than 60 days after we sent you the first statement on which the error or problem 
appeared.  You can telephone us at (707) 449-4000, but doing so will not preserve your rights.  We will 
request that you send us your questions in writing.  

In your letter, give us the following information:  
1.  Your name and account number.  
2.  The dollar amount of the suspected error.  
3.  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.  

How to stop a payment of a pre-authorized electronic fund transfer  
If you have authorized us to make your credit card payment automatically from your share or Credit 
Union checking account, you can stop the payment on any amount you think is wrong.  To stop the 
payment you must contact us within three business days before the automatic payment is scheduled to 
occur.  If you telephone your request, we may require you to confirm your oral request in writing.  If you 
fail to do so, your oral request will terminate 14 days after it is made.  If you order us to stop one of 
these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will 
be liable for your losses or damages.  

Your rights and our responsibilities after we receive your written notice  
We must acknowledge your letter within 30 days, unless we have corrected the error by then.  Within 
90 days, we must either correct the error or explain why we believe the statement was correct.  

After we receive your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill 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.  

CCHDISC 05/17 

Page 8 of 11 

 
 
 
 
 
 
 
 
 
 
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 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 $50.00 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 property 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 property or services.  There are two limitations on this right:  
1.  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; and  

2.  The purchase price must have been more than $50.00.  These limitations do not apply if we own or 

operate the merchant, or if we mailed you the advertisement for the property or services.  

Notice to California residents 
1.  Under California law our right to recover credit extended to you for purchases is subject to any 

defenses that you have against the seller if:  
a.  The purchase price in question exceeded $50.00;  
b.  The purchase was made in California;  
c.  You made a written demand of the retailer and made a good faith attempt to get 

satisfaction of your complaint.  

d.  You notified us in writing of the name of the seller, the date of purchase, the price paid, the 

goods or services purchased, the nature of your defense, the actions which you took to   obtain 
satisfaction from the seller.  

2.  The amount to which the defense applies is limited to the amount outstanding on the purchase as 

well as late charges and Finance Charges at the time the written demand is received by us.  
3.  This remedy is the only one you have against us.  Your rights are limited to those circumstances 
outlined in California Civil Code 1747.90.  Purchases with cash or check are not included in this 
section even though you used your Credit Card to validate your credit.  

4.  We cannot penalize you by either giving out unfavorable credit information about you or canceling 

or refusing to renew your Credit Card account solely because you obtained relief under the 
remedies you have for correcting billing errors. 

CCHDISC 05/17 

Page 9 of 11 

 
 
 
 
 
 
 
 
 
 
 
ATM DISCLOSURE 

This part of the disclosure applies to use of your Credit Card to obtain cash advances on your Credit Card 
account at Automated Teller Machines (ATM).  Please refer to your ATM Card disclosure for disclosures 
applicable to ATM use for purposes other than obtaining cash advances on Credit Card accounts.  

You may use your Card and Personal Identification Number (PIN) to obtain Cash Advances at any 
Automatic Teller Machine ("ATM") that accepts your Card.  Your PIN is confidential and should not be 
disclosed to anyone.  You agree not to write your PIN on your Card, you will not keep your Card and PIN 
together, and you will not provide your PIN to anyone who is not an authorized user.  You were issued a 
generic PIN at the time you received your Card. If you wish to change this PIN, please contact any of our 
branches.  

Advances at authorized ATM's are limited to a total of $500.00 during any 24-hour period.  This amount 
may be lower based on available credit balance or individual machine cash limitations.  

Documentation of Transactions  
ATM cash advances using a credit card will be shown on your monthly statement mailed to your address 
of record.  For this reason, always keep the Credit Union informed if your mailing address changes.  You 
will have the option to receive a receipt each time you use your card.  Always compare the receipt 
against your account record and statement.  

Credit Union Liability 
Travis Credit Union shall be held liable for damages caused in the case of a failure on our part.  However, 
if the action or failure to act was not intentional and resulted from a good faith error, even though we 
maintain procedures reasonably adapted to prevent such error, we shall be liable for only actual 
damages.  

There are some exceptions to the extent of Travis Credit Union's liability. We will not be liable, for 
instance:  

1. 

2. 

3. 
4. 

5. 

6. 

7. 

If, through no fault of ours, you do not have enough money in your account to complete the 
electronic transaction and the transaction would go over the authorized credit limit.  
If the funds in your account are subject to legal process or other encumbrances restricting such 
transfer.  
If the ATM where you are making the transfer does not have enough cash.  
If the terminal was not working properly and you knew about the breakdown when you started 
the transfer. 
If circumstances beyond our control (such as fire, flood, earthquake, labor disputes, power or 
computer failure) prevent the electronic transaction from being completed, despite reasonable 
precautions that we have taken.  
If there are other lawful exceptions established by the Credit Union and you are given proper 
advance notice of them.  
In no event will the Credit Union be liable for consequential indirect costs or damages.  

CCHDISC 05/17 

Page 10 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
HOW TO CONTACT US  

Call (707) 449-4000 or (800) 877-8328 8:00 a.m. to 7:00 p.m., Monday through Friday or 9:00 a.m. to 
5:00 p.m. on Saturdays, excluding holidays (Pacific Time)  

You may also visit any Credit Union office or write us at the address below:  
Travis Credit Union  
Attn: Card Services Department  
P.O. Box 2069  
Vacaville, CA 95696-2069  

CCHDISC 05/17 

Page 11 of 11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CREDIT CARD INITIAL 
DISCLOSURE 

Important Disclosure Information 
Travis Credit Union Credit Cards 
 (Effective June 1, 2016 TCU no longer offers the MasterCard product)  

Interest Rates and Interest Charges 

V 

Platinum Rewards 
VISA 

MasterCard 
 Gold 

Share-Secured/Credit 
Builder Classic VISA 

Classic 
 VISA 

Annual 
Percentage Rate 
(APR) for 
purchases* 

Cash 
Advance APR* 

Balance 
Transfer  APR* 

  5.99% 
Introductory APR for 
12 months.  After that, 
APR will be 
    8.99% to 
15.99% 
5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

   10.99% to 
   15.99% 

15.40% 

 16.99% 

         12.99% to 
         17.99% 

         12.99% to 
         17.99% 

17.40% 

18.99% 

17.40% 

18.99% 

Penalty Rate 

None 

How to Avoid Paying Interest on Purchases 

You have 25 days to repay your balance in full for purchases before a 
finance change will be imposed. 

Method of computing the balance 

Average daily principle balance (including new transactions) 

Minimum Finance Charge 

None2 

Visa Rewards Annual Fee 

Visa: $25.00 3    

Fees 

Transaction Fees 
    Balance Transfer 

    Cash Advance 
    Foreign Transaction 

5.99% Intro rate: None for the first 12 months; 
All other cards: None for the first 90 days; after that time, the fee will be 2% 
of the amount transferred not to exceed $25.00 
$5.00 each advance. 
1% of the U.S. dollar amount of the transaction whether made in U.S. 
dollars or converted from a foreign currency.4 

 
 
 
 
 
 
 
   
 
 
 
Penalty Fees 
    Late Payment 
    Returned Payment 

Card Replacement Fee 

$15.00 5 
$15.00 

$5.00 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore 

*Final product and APR will be determined based on credit worthiness.  

Loss of Introductory APR 
We may end your introductory APR and apply the final APR, which will be determined based on your credit worthiness, if you 
make two late payments during the introductory period. 

When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you authorize Travis 
Credit Union to independently verify the information you provided by any lawful means, to exchange credit information about you 
with others; including obtaining information about you from credit or consumer information bureaus and agree that Travis Credit 
Union may at its discretion, from time to time, make inquiries regarding your credit standing through consumer credit bureaus 
and agree to provide financial statements or other evidence to support your income if requested.  

If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your card.  By 
using the card you agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement. 

1. 

If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in a 
regular share account based upon credit worthiness. 

2.  Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly payment is 

the greater of 2% of the balance or $20.00. 

3.  The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program.  If you opt-out 

of rewards program you may opt back in later, a $25.00 annual rewards fee will apply. 

 I wish to enroll in the Visa rewards program.   I wish to opt out of the Visa rewards program. 

             ____________________________________________________________________________________________ 
             Account Number                                        Member Signature                                                                           Date 

       4. 

5. 

Purchases and cash advances made in foreign currencies will be billed in U.S. dollars.  The conversion rate in U.S. 
dollars will be either at the government mandated rate or a wholesale currency market rate determined by Visa® or 
MasterCard International® for the processing cycle in which the transaction is processed.  The currency conversion 
rate used by Visa® or MasterCard International® on the processing date may differ from the rate that would have been 
used on the purchase date or cardholder statement posting date.  The Credit Union has no control over the conversion 
rate 
If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be charged 
to the account.  If the minimum payment is less than $15, the late fee will be no more than the amount of the minimum 
payment. 

This information about credit cards is accurate as of June 1, 2016 and may change after that date.  For current information, ask 
your Member Service Representative or call (707) 449-4000 or (800) 877-8328.  Credit Card accounts are exclusively for Travis 
Credit Union members. 

This disclosure supplements the Credit Card Agreement and Disclosure Statement.  Please keep this disclosure for your 
records. 

CCDISC 06/16 

 
 
 
 
 
 
 
 
  
 
  
  
 
 
 
 
 
 
 
 
 
 
       
 
 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card 
Cardholder Agreement and Disclosure. 

CCDISC 06/16