Agreement 

Credit Card Agreement 

Shell Federal Credit Union, P. O. BOX 578, Deer Park, Texas 77536 
713.844.1100  800.388.5542  FAX: 713.844.0694  www.shellfcu.org 

In  this  Agreement,  the  words  “we,”  “our,”  “us,”  and  "Credit  Union"  mean  Shell  Federal  Credit  Union  or  its  successors.  "You"  and  "your"  mean  any 
person who signs this Agreement or uses the Card. "The Card" means any credit card issued to you or those designated by you under the terms of this 
Agreement. "Use of the Card" means any procedure used by you, or someone authorized by you, to make a purchase or obtain a cash advance whether 
or not the purchase or advance is evidenced by a signed written document. "Unauthorized use of the Card" means the use of the Card by someone 
other than you who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit.  

Security. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT 
ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS 
MADE  UNDER  THIS  AGREEMENT.  THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A  CONDITION  FOR  THE 
ISSUANCE  OF  ANY  CARD,  WHICH  YOU  MAY  USE  DIRECTLY  OR  INDIRECTLY,  TO  OBTAIN  EXTENSIONS  OF 
CREDIT UNDER THIS AGREEMENT.   

Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under 
state or federal law if given are not subject to the security interest you are giving. 

Additional Security.  If you have other loans with us, now or in the future, collateral securing those loans may also secure  your obligations 
under  this  Agreement.    Please  read  any  security  agreement  you  sign  in  order  to  determine  if  the  collateral  also  secures  your  obligations 
under this Agreement and other agreements you have with us. 

Extensions of Credit. If your Application is approved, the Credit Union may, at its discretion, establish a line of credit in your name and cause 
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one  or more  Cards to  be issued to  you  or  those  designated  by  you.  In  such  event,  you  authorize the  Credit  Union to  pay  for  your  account,  all  items 
reflecting credit purchases and cash advances obtained through use of the Card. You may not use your Card for any illegal purpose or transaction. The 
Credit  Union  may  refuse  to  authorize  any  transaction  that  it  believes  to  be  illegal  or  that  poses  an  undue  risk  or  illegality.  If  we  do  process  any 
transaction which ultimately is determined to have been for an illegal purpose, you agree that you will remain liable to us under this Agreement for any 
such transaction notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act of default under this Agreement. You 
further agree to waive any right to take legal action against the Credit Union for illegal use of the Card and to indemnify and hold the Credit Union and 
MasterCard International, Inc. harmless from and against any lawsuits, other legal action or liability that results directly or indirectly from such illegal use. 

Joint Applicant Liability. If this Agreement is executed by more than one person, each of you shall be jointly and individually liable to us for 
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all  charges made  to the  account,  including  applicable fees.  In  addition,  you  agree  that  each  of  you  designates  the  other  as  agent  for  the  purpose  of 
making  purchases  extended  under  this  Agreement  and  each  use  of  your  account  shall  be  an  extension  of  credit  to  all.    Notice  to  one  of  you  shall 
constitute  notice  to  all.  Any  joint  cardholder  may  remove  him/herself  from  responsibility  for  future  purchases  at  any  time  by  notifying  us  in  writing.  
However, removal from the account does not release you from any liability already incurred. 

Others  Using  Your  Account.  If  you  allow  anyone  else  to  use  your  Card,  you  will  be  liable  for  all  credit  extended  to  such  persons.  You 
3) 
promise to  pay for  all  purchases,  balance transfers,  and cash  advances made  by  anyone  whom  you  authorize  to  use  your  Card,  whether  or  not  you 
notify us that he or she will be using it. If someone else is authorized to use your Card and you want to end that person’s privilege, you must notify us in 
writing, and if he or she has a Card, you must return the Card with your written notice for it to be effective. 

Credit Limits. You promise the payments made for your account resulting from use of the Card will, at no time, cause the outstanding balance 
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in your account to exceed your credit limit as disclosed to you at the time you received your Card or as adjusted from time to time at the discretion of the 
Credit Union. 

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or anyone 
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whom  you  authorize  to  use  the  Card  or  account;  (b)  INTEREST  CHARGES  and  other  charges  or  fees;  (c)  collection  costs  and  attorney’s  fees  as 
permitted by applicable law and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that we may extend to you. At 
the end of each monthly billing cycle, you will be furnished with a periodic statement showing (i) the "previous balance" (the outstanding balance in the 
account  at  the  beginning  of  the  billing  cycle),  (ii)  the  amount  of  all  cash  advances,  purchases,  INTEREST  CHARGES,  and  other  fees  and  charges 
posted to your account during the billing cycle, (iii) the amount of all payments and credits posted to your account during the billing cycle, and (iv) the 
"new balance" which is the sum of (i) and (ii) less (iii).  

You agree to pay on or before the "payment due date" shown on the periodic statement either the entire "New Balance," or the minimum payment shown 
on the statement. Generally, the "minimum payment" will equal 3% of the New Balance or $15, whichever is greater. If the New Balance is $10 or less, 
you  will  pay  in  full.  You  also  agree  to  pay  by  the  payment  due  date  any  amounts  in  excess  of  the  credit  limit  established  by  us  and  any  past  due 
minimum  payments.  You  may  make  extra  payments  in  advance  of  the  due  date  without  a  penalty,  and  you  may  repay  any  funds  advanced,  credit 
extended, or amount outstanding at any time without a penalty for early payment.  Regardless of the amount of any extra payment during a given month, 
a monthly payment will be required the following month if a balance remains in your account. The Credit Union may also, from time to time and at its 
option, offer you the opportunity to skip a payment. If you decide to skip a payment, an INTEREST CHARGE will continue to accrue on the balance in 
the  account  at  the  applicable  periodic  rate  in  accordance  with  this Agreement,  and  the  payment terms  applicable to  the  account  prior  to  the skipped 
payment will automatically resume in the month immediately following the month in which you have skipped a payment. 

Cost of Credit. You will pay an INTEREST CHARGE for all advances made against your account. INTEREST CHARGES for cash advances 
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and balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE on the date they are posted to 
your  account  if  you  have  paid  the  account  in  full  by  the  Payment  Due  Date  shown  on  your  previous  monthly  statement,  or  if  there  was  no  previous 

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balance. The Payment Due Date will be not less than 25 days from the billing cycle closing date shown on your statement. No additional INTEREST 
CHARGE will be imposed on purchases whenever you pay the account in full on or before the Payment Due Date reflected on your statement.  

Your  periodic  rates  and  corresponding  ANNUAL  PERCENTAGE  RATES  are  set  forth  in  the  Account  Opening  Disclosures  enclosed  with  and 
incorporated by reference into this Agreement. If your account features an Introductory Rate, you will pay an Introductory Rate INTEREST CHARGE for 
all  advances made  at the  periodic  rate  and  corresponding  ANNUAL  PERCENTAGE  RATE  and  for  the  time  period  set  forth  in  the Account  Opening 
Disclosures  (“Introductory  Rate”).  Thereafter,  or  if  there  is  no  Introductory  Rate,  the  periodic  rate  used  to  compute  the  INTEREST  CHARGE  for  all 
advances will be either a non-variable rate or a variable rate based on an index (the “Index”), which is the Prime Rate as published in the Money Rates 
section of The Wall Street Journal on the last business day of each month and is subject to change monthly. Any change in the Index will be effective on 
the first day of the month following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may result 
in higher payments.  

The ANNUAL PERCENTAGE RATE for purchases in any given billing cycle, except for any Introductory Rate or Non-variable Rate period, will be the 
Index  plus  the  Purchases  Base  Rate  as  set  forth  in  the  Account  Opening  Disclosures.  The  ANNUAL  PERCENTAGE  RATE  for  cash  advances  and 
balance transfers in any given billing cycle, except for any Introductory Rate or Non-variable Rate Period, will be the Index plus the Cash Advances Base 
Rate  as  set  forth  in  the  Account  Opening  Disclosures.  These  ANNUAL  PERCENTAGE  RATES  are  collectively  referred  to  in  this  Agreement  as  the 
Standard Rate. The initial Standard Rate daily periodic rates and corresponding ANNUAL PERCENTAGE RATES for purchases, cash advances, and 
balance transfers for your account are set forth in the Account Opening Disclosures. The Standard Rate will never be greater than a Daily Periodic Rate 
of .049288% with a corresponding ANNUAL PERCENTAGE RATE of 17.99%.   

In addition to the variable-rate and non-variable rate features of your account, the ANNUAL PERCENTAGE RATE after any introductory period is also 
based on certain creditworthiness criteria. After your account has been open for at least one year, we may review your credit standing every six months 
and adjust your periodic rate and corresponding  ANNUAL PERCENTAGE RATE  by providing you with advance notice in accordance with applicable 
law. If we adjust your ANNUAL PERCENTAGE RATE based on your credit standing, your Purchases Base Rate and Cash Advances Base Rate will 
also change or your rate may be changed from a variable rate to a non-variable rate or from a non-variable rate to a variable rate. We will advise you of 
these changes in a written change-in-terms notice. Any changes to your rates will only affect balances incurred after the effective date of the change and 
the new rates may remain in effect indefinitely. Current balances will continue to be subject to the rates in effect before the date of the change. Please 
refer to your Account Opening Disclosures for the current ANNUAL PERCENTAGE RATES applicable to your Account. 

A portion of the INTEREST CHARGE is figured by applying the applicable Daily Periodic Rate to the Average Daily Balance of your Account for each 
feature category, including certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily 
Balance is arrived at by taking the beginning balance of each feature category each day and adding any new transactions to the balance, except if you 
have paid your Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new purchases are 
not  added  to  the  purchases  balance.  Balance  transfers  may  be  shown  on  your  statement  in  the  Promotions  feature  category.  When  determining 
balances, we may combine feature category balances that have the same periodic rate and other INTEREST CHARGE terms. We then subtract any 
payments  or  credits  and  unpaid  INTEREST  CHARGES  allocated to  the feature category  balance  for  the  day.  This  gives  us  the  daily  balance for the 
feature category. The daily balances for each feature category are then added together and divided by the number of days in the billing cycle. The result 
is the Average Daily Balance for each feature category. The periodic INTEREST CHARGE is determined by multiplying each feature category Average 
Daily Balance by the number of days in the billing cycle and applying the applicable Daily Periodic Rate to the product. The total INTEREST CHARGE 
for each statement period is the sum of the periodic INTEREST CHARGES for each feature category plus any non-periodic INTEREST CHARGES. 

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Other Charges. The following other charges (fees) will be added to your account, as applicable: 

ATM Fee. If you obtain a cash advance by using an automated teller machine, you may be charged any amounts imposed upon the Credit Union 
by the owner or operator of the machine. Any charge made under this paragraph will be added to the balance of your account and treated as a 
purchase. 
Collection Cost Fee. You agree to pay all reasonable costs of collection, including court costs and attorney’s fees imposed and any costs incurred 
in the recovery of the Card. 
Return Payment Fee. If a check, share draft or other order used to make a payment on your account is returned unpaid, you may be charged a fee 
of $25 for each item returned. 
Late Payment Fee. If your minimum required payment is not received by the Payment Due Date listed on your periodic statement, a charge of 20% 
of the minimum payment due (maximum $35) may be added to your account. 
Card Replacement Fee. You may be charged $5 for each replacement Card that is issued to you for any reason. 
Document Copy Fee. You may be charged $4 for each copy of a sales draft or statement that you request (except when the request is made in 
conjunction with a billing error made by the Credit Union). 
Annual Fee. If your account is subject to a non-variable rate at any time, an Annual Fee of $45 will be charged to your account at account opening 
and annually thereafter on or around the anniversary date of the opening of your account. The Annual Fee is nonrefundable and will be charged 
each year your account is open or has a balance due while subject to a non-variable rate, even if charging privileges have been terminated. The 
Annual Fee will not apply when your account is subject to a variable rate. 

Credit Insurance. If available, credit insurance is not required for any extension of credit under this Agreement. However, you may purchase 
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any credit insurance available through the Credit Union and have the premium added to the outstanding balance in your account. If you elect to do so, 
you will be given the necessary disclosures and documents separately. 

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possible unauthorized use of your Card, you should call us immediately at: 

Liability for  Unauthorized Use. You may be liable for the unauthorized use of your Card. If you notice the loss or theft of your Card or a 

You may also write us at: 

(800) 442-4757  

Credit Card Center,  P.O. Box 815909, Dallas, TX 75381-5909 

Although you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best way to keep your possible 
losses down. 

Under MasterCard’s zero liability policy, you will not be liable for any unauthorized use of your MasterCard once you notify us orally or in writing of 
the loss, theft, or possible unauthorized use and you meet the following conditions: (1) you have exercised reasonable care with your Card; (2) you 
have not reported two or more incidents of unauthorized use of your Card within the previous 12 months; and (3) you have maintained your Account in 
good standing. MasterCard’s zero liability policy does not apply to cash advances obtained at an ATM.  

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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 will not exceed $50.00. 

Crediting of Payments. We do not charge for payments made by mail or other standard payment methods approved by us. If we charge a 
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fee for any expedited payment service we offer, that fee will be disclosed to you at the time you request the service. All payments made on your account 
at  the  address  designated  for  payment  on  the  monthly  periodic  statement  or  by  any  other  payment  method  approved  by  us  will  be  credited  to  your 
account on the date of receipt.  If the date of receipt for a mailed payment to the address designated on the periodic statement is not a business day, 
your payment will be credited on the first business day following receipt. If payment is made at any location other than the address designated on the 
periodic statement or by any other payment method not approved by us, credit for such payment may be delayed up to five days. If you make a payment 
in an amount of $2,500 or more, we may delay the corresponding replenishment of your credit line for up to three business days following our receipt of 
the payment. All required minimum payments on your account will be applied first to collection costs, then to any INTEREST CHARGE and other fees 
due, and then to the unpaid principal balance of the purchase, cash advance, and balance transfer transaction categories at our discretion.  Amounts 
paid in excess of the required minimum payment will be applied first to the balances with the highest interest rates. Interest paid or agreed to be paid 
shall  not  exceed  the  maximum  amount  permissible  under  applicable  law,  and  in  any  contingency  whatsoever,  if  we  shall  receive  anything  of  value 
deemed  interest  under  applicable  law  which  would  exceed  the  maximum  amount  of  interest  permissible  under  applicable  law,  the  excessive  interest 
shall be applied to the reduction of the unpaid principal amount or refunded to you. 

Default. You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep any promises you have made under this or 
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any other Agreement with the Credit Union; (3) if you are the subject of an order for relief under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone 
tries, by legal process, to take any of your money in the Credit Union; (5) if you have given the Credit Union false or inaccurate information in obtaining 
your Card; or (6) if anything happens which the Credit Union reasonably believes endangers your ability to repay what you owe. 

Acceleration.  If  you  are  in  default,  the  Credit  Union  may,  without  prior  notice  to  you,  call  any  amounts  you  still  owe  immediately  due  and 
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payable plus INTEREST CHARGES, which shall continue to accrue until the entire amount is paid. You expressly waive any right to notice or demand, 
including  but  not  limited  to,  demand  upon  default,  notice  of  intention  to  accelerate,  and  notice  of  acceleration.  The  Card  remains  the  property  of  the 
Credit Union at all times, and you agree to immediately surrender the Card upon demand of the Credit Union. 

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cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. 

Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your account at no additional 

Convenience Checks. The Credit Union may, at its discretion, issue checks to you which may be used for any purpose other than making a 
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payment  for  credit  to  your  account.  By  signing  such  check,  you  authorize  the  Credit  Union  to  pay  the  item  for  the  amount  indicated  and  post  such 
amount  as  a  cash  advance  to  your  account.  The  Credit  Union  does  not  have  to  pay  any  item,  which  would  cause  the  outstanding  balance  in  your 
account to exceed your credit limit. Charges that apply in connection with the use of Convenience Checks are as follows: Copy of Paid Check $3; Stop 
Payment on Check $25; Non-Sufficient Funds Check (NSF) $25.  Fees will be assessed at the time they are incurred. 

Continuation of Credit. The Credit Union may from time to time request personal information from you for the purpose of updating your credit 
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status, according to normal credit procedures. Your failure to provide such information when requested by the Credit Union may result in suspension of 
your line of credit privileges under this Agreement, including your ability to obtain any future advances by any means. 

International Transactions. If you effect an international transaction with your MasterCard, MasterCard International will convert the charge 
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into a U.S. dollar amount.  MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard 
cards.  Currently,  the  currency  conversion  rate  used  by  MasterCard  International  to  determine  the  transaction  amount  in  U.S.  dollars  for  such 
transactions  is  generally  either  a  government-mandated  exchange  rate  or  a  wholesale  exchange  rate  selected  by  MasterCard  International  for  the 
applicable currency on the day the transaction is processed, which rate may differ from the applicable rate on the date the transaction occurred or when 
the  transaction  is  posted  to  your  account.  We  will  charge  a  Foreign  Transaction  Fee  of  up  to  1%  of  the  transaction  amount  in  U.S.  dollars  on  all 
international  purchase,  cash  disbursement,  and  account  credit  transactions.  There  is  no  grace  period  in  which  to  repay  an  international  transaction 
amount in order to avoid the Foreign Transaction Fee. 

Termination  or  Changes.  The  Credit  Union  may  terminate  this  Agreement  at  any  time  subject  to  such  notice  as  may  be  required  by 
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applicable law. You may terminate this Agreement, by written notice, as to future advances at any time. Termination by either party shall not affect your 
obligation to repay any payments made for your account resulting from use of the Card as well as INTEREST CHARGES and other related charges. The 
Credit Union may add to, change, or delete the terms of this Agreement, including the method of calculating the periodic rate, at any time subject to such 
notice as may be required by applicable law. If you use your Card or account to make a purchase or cash advance after having been given notice of a 
change in terms, you agree that the existing balance in your account at the time of that use will be subject to the new terms, as shall subsequent uses, to 
the extent permitted by law. 

Credit Information. You authorize the Credit Union to investigate your credit standing and employment history  when opening or reviewing 
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your  account.  You  authorize  the  Credit  Union  to  disclose  information  regarding  your  account  to  credit  bureaus  and  creditors  who  inquire  about  your 
credit standing. 

Notification Address for Information Reported to Consumer Reporting Agencies.  We may report the status and payment history of your 
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account to credit reporting agencies each month. If you believe that the information we have reported is inaccurate or incomplete, please notify us in 
writing  at  Shell  Federal  Credit  Union,  P.O.  Box  578,  Deer  Park,  Texas  77536.  Please  include  your  name,  address,  home  telephone  number  and 
account number, and identify the information you believe is incorrect. If your notification relates to an incident of identity theft, we will require a copy of 
your identity theft report filed with law enforcement authorities. 

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agree to give us prompt notice of any change in your name, mailing address, telephone number or place of employment. 

Statements  and  Notices. Statements  and  notices  will  be mailed to  you  at  the most  recent  address  you  have  given  the  Credit  Union.  You 

Copy  Received.  By  using  the  Card  or  the  account,  you  agree  to  all  the  terms  and  conditions  and  promise  to  perform  all  the  obligations, 
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requirements, and duties contained in this Agreement, and if you signed the Credit Card Application, you acknowledge that you have received a copy of 
this Agreement. 

Additional  Provisions.  Each  provision  of  this  Agreement  must  be  considered  as  part  of  the  total  Agreement  and  cannot,  in  any  way,  be 
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severed from it. However, you also agree that should any part of the Agreement be found invalid, it will in no way affect the remainder of the Agreement. 
You understand the validity, construction, and enforcement of this Agreement shall be governed by the laws of the State of Texas and federal law. Use 
of your Card is also subject to the policies and rules of MasterCard International, as applicable and in effect from time to time, which do not conflict with 
the terms of this Agreement. The Credit Union does not warrant any merchandise or services purchased by you with the Card. All purchases and cash 
advances are extended at the option of the merchant or cash advancing financial institution and the Credit Union is not responsible for refusal of any 

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merchant or financial institution to honor your Card. We can accept late payments or partial payments or checks or money orders marked “payment in 
full” without losing any of our rights under this Agreement.  We can also delay enforcing any of our rights under this Agreement without losing them.  

Your Billing Rights: Keep this Document for Future Use 

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: 

Shell Federal Credit Union P.O.  Box 578, Deer Park, TX 77536 

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  statement,  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 3 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. 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 your statement is correct. 

While we investigate whether or not there has been an error: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  We cannot try to collect the amount in question, or report you as delinquent 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 statement is wrong, you must write to us within 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 statement. 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 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 at:  

Shell Federal Credit Union P.O.  Box 578, Deer Park, TX 77536 

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. 

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