6061 W Interstate 10 
San Antonio, TX 78201 
210-258-1234 
CreditHuman.com 

RATE PREFERRED VISA LEVEL I  
RATE PREFERRED VISA LEVEL II 
 RATE PREFERRED VISA LEVEL III  
CONSUMER CREDIT CARD AGREEMENT 
In this Agreement, 'Agreement” means this Consumer Credit Card Agreement. 'Disclosure” means the Credit Card Account 
Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part 
of the Agreement. In this Agreement the words 'you,” 'your,” and 'yours” mean each and all of those who agree to be bound by 
this Agreement; 'card” means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to 
you; 'account” means your Visa credit card line-of-credit account with the Credit Union; and 'Credit Union” means the Credit 
Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 
1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. You 
agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus 'other charges”) which you 
will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the 
credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a 
fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of 
the  paragraph  entitled  'Statements  and  Notices”)  explaining  your  right  to  opt  in  to  the  Credit  Union’s  program  whereby  it  will 
honor  advance  requests  over  the  credit  limit.  In  the  event  you  opt  in  to  such  a  program,  you  agree  to  the  terms  of  such  a 
program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union 
may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason 
not  prohibited  by  law.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  we  may,  from  time  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 balance. 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 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 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 or draft 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 or draft 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. 
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement  of  receipt  and  agreement  to  the  terms  of  the  Credit  Card  Agreement  and  Credit  Card  Account  Opening 
Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The 
credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for 
goods  or  services  over  the  Internet,  you  may  be  required  to  provide  card  number  security  information  before  you  will  be 
permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the 
credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain 
cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your 
card  for  any  transaction  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. If you are permitted 
to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that 
we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not 
limited to, wire transfers and money orders. This paragraph shall not be interpreted as permitting or authorizing any transaction 
that is illegal. 
3.  PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience 
checks or any other charge) made to your account by you or anyone you authorize to use your account. You also promise to pay 
all finance charges and other charges added to your account under the terms of this Agreement or another agreement you made 
with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account. 
4.  PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the 
Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment 
due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account 

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is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and 
any penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account 
for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would 
ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be 
effective is shown on the Disclosure accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will 
automatically increase to the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement. 
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that 
billing cycle if you 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; otherwise a finance charge will accrue from the 
date a purchase is posted to your account. 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. A finance charge begins to accrue on 
cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is 
posted to your account, whichever is later (transaction date). 
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed 
by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we 
take  the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new  purchases,  and  subtract  any  payments  and/or 
credits. This gives us the daily  balance of purchases. We then add all of the daily balances of purchases for the billing cycle 
together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. 
For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. 
To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each 
day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This 
gives us the daily balance of cash advances. We then add all of the daily balances of cash advances for the billing cycle together 
and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance 
transfers are calculated in the same manner as cash advances. 
6. 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 central 
processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect  for  the 
applicable  central  processing  date.  The  exchange  rate  used  on  the  processing  date  may  differ from  the rate  that  would  have 
been used on the purchase date or cardholder statement posting date. 
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 transaction is any transaction that you complete or a merchant completes 
on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. 
consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your 
account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may also 
be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 

a. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.
b. Late Payment Fee. 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 the Disclosure accompanying this Agreement. 
 c. Over-the-Credit Limit Fee. If you have elected the feature to allow 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 bill cycle. 
d.  Returned  Payment  Fee.  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. 

8.  PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified 
on the statement. You may pay more frequently, pay more than the minimum payment 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 each month your account has 
a balance (other than a credit balance). The minimum payment is 3.00% of your total new balance, or $10.00, whichever is 
greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, 
and any amount you are over your credit limit by the date specified on the statement. The Credit Union also has the right to 
demand  immediate  payment  of any  amount  by which  you  are  over  your  credit  limit.  In  accordance  with  applicable  law,  the 
Credit Union may not post payments to your account or reflect them in your available credit limit on the date they are received. 
The Credit Union may delay replenishing your credit limit until the date the payment is posted or the Credit Union confirms the 
payment has cleared. 
9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in 
any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess  of the required 
minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the  highest  annual 

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percentage rate and any remaining portion to the other balances in descending order based on applicable annual percentage 
rate. 
10. 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. 
11. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date that it is 
due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for 
bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you 
make  any  false  or  misleading  statements  in  any  credit  application  or  credit  update.  You  will  also  be  in  default  if  something 
happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance  without 
giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the  periodic  rate 
charged before default, until what you owe has been paid, and any shares that were given as security for your account may be 
applied towards what you owe. 
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us  immediately, 
orally or in writing, at PO Box 1356, San Antonio, TX 78295-1356 or telephone (866) 839-3485 seven (7) days a week, 24 hours 
a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. 
You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will 
have no liability for unauthorized transactions made with your credit card, unless you are grossly negligent in the handling of 
your card. In any case, your liability will not exceed $50.00. 
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. 
If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future 
transactions. 
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 repayment requirements. You are also responsible for all transactions made to your 
account after termination, unless the transactions were unauthorized. 
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. If this is a joint account, the 
paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account. 
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized users that you designate. You must notify us in writing of any termination of an authorized user’s right to access your 
account. Your letter must include the name of the authorized user and your account number and/or any subaccount number 
issued to the authorized user along with the authorized user’s card and any convenience or other access checks issued to the 
authorized user. If you cannot return the authorized user’s card or access checks and if you request your account to be closed, 
we will close your account and you may apply for a new account. 
15.  CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  —  You  authorize  the  Credit  Union  to  investigate  your  credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits 
and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and  cash 
advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six 
months. 
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to 
your  account,  such  as  travel  accident  insurance,  at  no  additional  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. 
18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to 
honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you 
purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or 
service  provider,  and  (a)  your  purchase  was  made  in  response  to  an  advertisement  the  Credit  Union  sent  or  participated  in 
sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your home. 
19. JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying 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 purchases or cash advances individually. Any 
one of you may terminate the account and the termination will be effective as to all of you. 
20. 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. 

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21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22. STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the appropriate address you 
have given the Credit Union. Notice sent to any one of you will be considered notice to all. 
23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of the terms and 
conditions  of  your  account.  This  written  Agreement  and  Disclosure  may  not  be  contradicted  by  evidence  of  any  alleged  oral 
agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this 
Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this Agreement. 
24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25. GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of gambling transaction. 
26.  PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your  account,  all  rates  for  your  account,  including  the  rates  for 
purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  when  you  meet  one  or  more  of  the 
conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are subject 
to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty Rate. 
27. 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. 
28. 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. 

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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 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 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 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 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the  error  or  explain  to  you  why  we  believe  the  bill  is 

already corrected the error. 

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 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 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 necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at 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 you as delinquent. 

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