Copyright 2014 ConmarSystems, Peachtree City, GA  30269 � EFORM 21922-3 Rev. 3/20   
CREDIT CARD SOLICITATION DISCLOSURE  
16320 Kensington Drive,  
Sugar Land, TX 77479 (281) 243-0500
www.houstonfcu.org
IF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION - The information provided in this 
disclosure is accurate as of _____________________. The information may have changed after that date. To find out what may have changed call us at  
877-389-3480 or write us at 16320 Kensi ngton Drive, Sugar Land, Texas 77479.  Befor e we approv e you for a credit card, we will review your credit report, and 
the informati on you provide wi th your applicati on to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the Credit 
Card Agreem ent and Disclosure which will be sent to y ou with the n ew card(s).
Interest Rates and Interest Charges  
ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. After
that our APR will be 3.25% .  This APR will vary with the market based on the Prime Rate.
Visa Platinum Advantage/Visa Platinum Family - 2.99%  Introductory APR for 180 days from the
issuance of the card. After that our APR will be 5.24%  to 15.24%  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  
Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card.
After that our APR will be 6.24%  to 18.00%  based on your creditworthiness.  This APR will vary
with the market based on the Prime Rate. 
Visa Secured - 2.99%  Introductory APR for 180 days from the issuance of the card.   After that our APR
will be 5.24%  to 15.24%  based on your creditworthiness.  This APR will vary with the market
based on the Prime Rate.  
How to Avoid Paying Interest on Payments Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases if you pay your entire balance by the due date each month.  
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  
Fees 
Annual Fee $50.00    Visa Platinum Prime Lock Only  
Transaction Fees  
Cash Advance & Balance Transfers 
Foreign Transactions None 
1.00% of each transaction U.S. Dollars  
Penalty Fees  
Late Payment Fee Over-the-Credit Limit Fee 
Returned Payment Fee  Up to $15.00 Up to $15.00 
Up to $30.00  
How We Will Calculate Your Balance: We use a method called �Average Daily Balance (including new purchases)�.  
Variable Rates.  Purchase, Cash Advances and Balance Transfer APRs are based on the Prime Rate (Index) to which we add a margin based on your creditworthiness.    
For Visa Platinum Advantage/Visa Platinum Family & Visa Secured accounts, the applicable margins range from 1.99% to 12.99%. For Platinum Reward accounts, the applicable margins range 
from 2.99% to 12.99%.  The rate for the  Visa Platinum Prime Lock is variable and adjusts with the Prime Rate.  No margins are added to the Prime Rate for the  Visa Platinum Prime Lock. 
Other Disclosures : 
Late Payment Fee:  If your payment is ten (10) or more days late, you will be charged up to $ 15.00.  
Return Payment Fee:  
Statement Copy Fee: Document Copy Fee: 
Rush Fee: If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee, up to $30.00  for each it em returned.  
$  2.00 $  5.00 
$27.50  3-18-2020
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS
The Military Lending Act applies to this credit card account if at the time  you establish  the account  you are an active member of the military or a dependent (as  defined in  the Military  Lending  
Act, 10 U.S.C.  987 and implementing regulations). The following terms and conditions apply during any period(s) in which you are active military or a dependent under those definitions. They 
do not apply when  you are not an active duty member of  the military or a dependent.
NOTICE: 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%. This rate must include, as applicable to the credit transaction or account: the costs 
associated with credit  insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). You may call toll-free 844-351-8387 to receive oral 
disclosures.
Call To Report Lost  or Stolen
Visa� Credit  Cards and Visa� CheckCard
Call 1-800-682-6075
Available  24 hours  a day,  7 days a week.
Call To Report Transaction Dispute
Visa� Credit  Cards and Visa� CheckCard
Call 1-866-OUR-HFCU  (1-866-687-4328)
Available  Monday  through Friday  8:30 a.m. �  4:30 p.m.
OR
Refer to  the back of your Visa� monthly  statement
To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.