December 2012

G#13907
P322-R12/12

VISA® credit card agreement

In this Agreement the words “you” and “your” 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 Alliant Credit Union, and “Credit Union” means Alliant Credit Union or
anyone to whom the Credit Union transfers this Agreement. Information in your credit report will be used to determine if you qualify for an account and if so, your qualifying Annual 
Percentage Rate and credit access line.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers

0% to 2.99% APR introductory APR for 12 billing cycles from the date of account opening 
for qualified applicants. 

After that, or if you do not qualify for the introductory rate, your standard variable APR will be 
9.24% to 21.24% APR* for Platinum, or 
11.24% to 23.24% APR* for Platinum Rewards. 
The APR you receive is based on your creditworthiness and will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
for Cash Advances

18.24% to 23.24% APR*
The APR you receive is based on your creditworthiness and will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

24.24% APR* on all purchase, balance transfer and cash advance balances.
This APR will vary with the market based on the Prime Rate. This APR applies if a minimum 
payment is not received within 60 days of the payment due date.

How Long Will the Penalty APR Apply? If your APRs are increased for any reason, the Penalty APR 
will apply until you make at least six consecutive minimum payments by the payment due date as
shown in your monthly statement.

Minimum Interest Charge

$1.00

Paying Interest 

Your due date is at least 25 days after the close date of each billing cycle. We will not charge you 
any interest on purchases or balance transfers if you pay your entire balance by the due date each
month. We will begin charging interest on cash advances on the transaction date.

For Credit Card Tips from the 
Federal Reserve Board

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

Transaction Fees

None

• Balance Transfer
• Cash Advance
• Foreign Transaction

• None
• 2% of the amount of the advance, but not less than $10
• 1% of each transaction where the merchant country differs from the country of the card issuer

Penalty Fees

• Late Payment

• Up to $25

Other Fees

• Document Copy Fee
• Card Replacement Fee

• $5 for each copy of a sales draft or statement requested
• $10 per card

Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights is provided on page three of this account agreement.  
* Based on U.S. Prime Rate of 3.25% as of September 28, 2012.

How We Will Calculate Your Balance: We will use a method called “One-cycle Average
Daily Balance (including new purchases and cash advances.)” See section 5: Finance Charges
for more details.

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VISA® credit card agreement
1. Using Your Account. If you are approved for an Account, the Credit Union will establish
a line of credit for you and notify you of your credit limit. You agree that your credit limit is
the maximum amount (purchases, balance transfers, cash advances, finance charges, plus
“other charges”) that you will have outstanding on your Account at any time. If you are over
your credit limit, you must pay the amount you are over before payments will begin to restore
your credit limit. You may request an increase in your credit limit only by a method acceptable
to the Credit Union. The Credit Union has the right to reduce your credit limit and/or cash 
advance limit, refuse to make an advance and/or terminate your Account at any time for any
reason not prohibited by law.
2. Using Your Card. You may use your Card to make purchases from merchants and others
who accept VISA Cards. However, you may not use your Card to initiate any type of electronic
gambling transaction through the Internet. 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 and from other financial institutions that accept VISA Cards, and from 
some automated teller machines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash
advances from an ATM, you must use a Personal Identification Number (PIN). To request a
PIN for your card, call 866-444-8529. You agree that you will not use your Card for any 
transaction that is illegal under applicable federal, state or local law.
3. Responsibility. You agree to pay all charges (purchases, balance transfers and cash 
advances) to your Account that are made by you or anyone whom you authorize to use your
Account. You also agree 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, Section 19 also applies to your Account.
4. Variable Annual Percentage Rate. Your standard variable Annual Percentage Rate (APR)
for purchases, balance transfers and cash advances may increase or decrease quarterly. For
each quarter, we determine the APR by adding a margin to the U.S. Prime Rate published in
The Wall Street Journal the last business day of the previous calendar quarter. When a
change in the Prime Rate occurs, the resulting new APRs will apply to all balances on your
account starting with your next monthly billing cycle. For Platinum accounts, the margin used
for determining the standard variable APR for purchases and balance transfers is between
5.99% and 17.99%, as determined based on your creditworthiness. For Platinum Rewards 
accounts, the margin used for determining the standard variable APR for purchases and balance
transfers is between 7.99% and 19.99%, as determined based on your creditworthiness. For
Platinum and Platinum Rewards accounts, the margin used for all Cash Advance transactions
is between 14.99% and 19.99%, as determined based on your creditworthiness. The margin
for the Penalty APR for Platinum and Platinum Rewards accounts is 20.99%.
5. Finance Charges. New purchases and balance transfers 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 or balance transfer is posted to your 
account. To avoid an additional finance charge on the balance of purchases and balance
transfers, you must pay the entire New Balance on the billing statement by the Payment Due
Date of that statement or 25 days from the statement closing date listed on that statement,
whichever is longer. 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. To avoid an additional finance charge on the 
balance of cash advances, you must pay the entire New Balance on the billing statement by
the Payment Due Date of that statement. The finance charge is calculated separately for 
purchases, balance transfers and cash advances. For purchases and balance transfers, the 
finance charge is computed by applying the monthly periodic rate to the average daily balance of
purchases and balance transfers. To get the average daily balance of purchases and balance
transfers, we take the beginning outstanding balance of purchases and balance transfers
each day, add any new purchases and balance transfers, and subtract any payments and/or
credits. This gives us the daily balance of purchases and balance transfers. Then, we add all
the daily balances of purchases and balance transfers 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 and balance transfers. For cash advances, the finance charge is computed by 
applying the monthly periodic rate to the average daily balance of cash advances. To get 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.
Then, we add all 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. The minimum  periodic finance charge on any balance is $1.
6. Balance Transfers and Cash Advances. Balance transfers must be transferred from
any financial institution other than Alliant Credit Union. Balance transfers and cash advances
may not be used to pay any Alliant accounts. Amounts transferred are subject to your available
credit limit. We are not required to honor a balance transfer request that will cause you to
exceed your available credit limit. We will not be responsible for late payment or non-payment
to other card issuers. We are not responsible for fees that may be charged for cash advances
performed at other financial institutions and ATMs owners. It may take up to three (3) weeks
to set up the new VISA account and/or to post the balance transfer transaction. You should

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continue to make all required payments until you confirm that the balance transfer was
made. We will not close your other accounts even if you transfer the entire balance. If you
wish to close another account, you should contact the issuer directly. Balance transfers and
cash advances do not qualify to earn bonus points on the Platinum Rewards card. Accounts
will be limited to one (1) cash advance transaction per 24 hour period. Cash advances 
requested in person at any financial institution that accepts VISA or through the Alliant 
Member Contact Center have a daily maximum limit of $2,500. Cash advances performed
through an ATM have a daily maximum limit of $500. 
7. Payments. Each month you must pay at least the minimum payment shown on your 
statement by the payment due date specified on the statement or no later than twenty-five
(25) days from the statement closing date, whichever is later. If your statement says the 
payment is “Now Due,” your payment is due no later than twenty-five (25) days from the
statement closing date. 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% of your Total New Balance, or
$25, whichever is greater, plus the amount of any prior minimum payments that you have 
not made, and any amount you are over your credit limit. The Credit Union also has the right
to demand immediate payment of any amount by which you are over your credit limit. 
Automatic Payment Option: You may request to have the Credit Union initiate debit or credit
entries via Electronic Funds Transfer through the Automated Clearing House (EFT-ACH) on
your account at the depository financial institution of your choice to pay your Alliant VISA
credit card. By accepting this option you also authorize the Credit Union to perform any 
necessary correction entries, as needed, to your account at the depository financial institution
you designate. You understand that it may take up to 2 billing cycles to set up and/or change
existing ACH Debit(s) on your account. You should continue to make all required payments
until you confirm that the ACH debit has been set up. You understand that you will be 
responsible for making sure there are sufficient funds in your account on the ACH due date
as indicated on your credit card statement. If the interest rate changes or if you take an 
advance against your line of credit, you understand and agree that your EFT-ACH payment
will be updated to reflect the change(s), per your loan agreement. 
You also understand if you change the payment frequency on your loan and/or elect to use
the coverage provided by Alliant’s Member Assistance Program, or if you take advantage of
any other program or offer made or approved by Alliant, your EFT-ACH payment will also be
updated to reflect this change, pursuant to the terms of your authorized changes to the loan
agreement. You agree that your rights in respect to each withdrawal shall be the same as 
if it were a check drawn on your account and you shall be fully protected in honoring such a
withdrawal. You further agree that if any such withdrawal is dishonored with cause, Alliant
shall be under no liability whatsoever, if such dishonor results in late charges or revocation 
of your card. Failure to make a successful loan payment via ACH for three (3) consecutive
months may result in an automatic revocation of the ACH by Alliant. This authority is to 
remain in full force and is effective until Alliant has received written notification from you of
any payment or termination at such time and in such manner as to afford Alliant a reasonable
opportunity to act on it.
8. Statement Cycle. If you elect to change your statement cycle, your first cycle may be
more or less than the typical 25 calendar day payment grace period. The number of days 
between your statement closing date and your payment due date (the grace period) may 
vary from one billing cycle to another, but will never be less than 25 days.
9. Payment Allocation. Subject to applicable law, your minimum payment amount may be
applied to what you owe the Credit Union in the following order: Finance Charges, Fees,
Non-interest Bearing Transactions, Previous Promotional Balance, Balance Cash, Balance 
Retail, Cycle-to-Date Promotional Balance, Cycle-to-Date Cash, Cycle-to-Date Retail. Any
payment amount in excess of the minimum payment will be applied first to the card balance
bearing the highest rate of interest, and then to each successive balance bearing the next
highest rate of interest, until the payment is exhausted.
10. Security Interest. Your Account is secured by all shares you have in any individual or
joint account with the Credit Union, except for shares in an Individual Retirement Account or
in any other account that would lose special tax treatment under state or federal law if given
as security. You authorize the Credit Union to apply the balance in your individual or joint
share accounts to pay any amounts due on your Account if you should default. Collateral 
securing other loans you have with the Credit Union may also secure this loan, except that 
a dwelling will never be considered as security for this Account, notwithstanding anything 
to the contrary in any other agreement. 
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 re-
duce 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. 

22. Statements and Notices. Statements and notices will be mailed to you at the most 
recent address you have given the Credit Union. Notice sent to any one of you will be 
considered notice to all.
23. Final Expression. This Agreement is the final expression of the terms and conditions 
of this VISA line of credit between you and the Credit Union. This written Agreement may 
not be contradicted by evidence of any alleged oral agreement.
24. Copy Received. You acknowledge that you have received a copy of this Agreement.

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.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
If you think your bill is wrong, or if you need more information about a transaction on your
bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as
possible. We must hear from you no later than sixty (60) days after we sent you the first bill
on which the error or problem appeared. You can telephone us, but doing so will not preserve
your rights.
In your letter, give us the following information:
• Your name and account number.
• The dollar amount of the suspected error.
• 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.

If you have authorized us to pay your credit card bill automatically from your savings or
checking account, you can stop the payment on any amount you think is wrong. To stop the
payment your letter must reach us three (3) business days before the automatic payment is
scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR 
WRITTEN NOTICE
We must acknowledge your letter within thirty (30) days, unless we have corrected the error
by then. Within ninety (90) days, we must either correct the error or explain why we believe
the bill 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 ques-
tion, including finance charges, and we can apply an 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 bill that are not in question.
If we find that we made a mistake on your bill, 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. How-
ever, if our explanation does not satisfy you and you write to us within ten (10) days telling us
that you still refuse to pay, we must tell anyone we report you to that you have a question
about your bill. 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 of the questioned amount, even 
if your bill was correct.

We may, but are not required to, authorize charges that go over your credit line. You must 
pay any amount over your credit line, and you must pay us immediately if we ask you to. 
This agreement applies to any balances on your account, including any balance over your
credit line. Collection Fee: You promise to pay, subject to applicable law, all costs of 
collecting what you owe under this agreement and all costs of realizing on any security for
the Plan, including court costs, collection agency fees and reasonable attorney fees. We may
enter into a contingent or hourly fee arrangement with an attorney or collection agency and
you agree that such an agreement is reasonable. This provision also applies to bankruptcy,
appeals or post judgment proceedings.
12. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify
us immediately, orally or in writing at Attn: Plastic Card Operations, PO Box 66945, Chicago,
IL 60666-0945 or telephone 866-444-8529 twenty four (24) hours a day, seven (7) days a
week, 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 purchases 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.
13. Changing or Terminating Your Account. The Credit Union may change the terms of
this Agreement 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. 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. The Credit Union has the right to require you
to pay your full Account balance at any time after your Account is terminated, whether it is
terminated by you or the Credit Union. If this is a joint Account, Section 19 of this Agreement
also applies to termination of the Account. If at any time you switch from a VISA Platinum
Rewards to a VISA Platinum account, you will forfeit your bonus point balance immediately.
14. Credit 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.
15. 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 or more, it will be refunded upon your written request or automatically
after six (6) months.
16. 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.
17. Foreign Transactions. Purchases and cash withdrawals made in foreign countries and
foreign currencies will be debited from your account in US dollars. The exchange rate for
transactions in a foreign currency will be a rate selected by VISA from the 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, plus 1%. The currency conversion 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 1% International Transaction Fee will be assessed on
all transactions where the merchant country differs from the country of the card issuer. The
converted transaction amount will be shown separately from the International Transaction
Fee on your billing statement. This fee will be assessed on all international purchases, credit
vouchers, and cash disbursements. If applicable, finance charges will be assessed to the 
International Transaction Fee.
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
and was made in your state or within one hundred (100) miles of your home.
19. Joint Accounts. 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.
21. No Waiver. The Credit Union can delay enforcing any of its rights any number of times
without losing them.

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PO Box 66945, 11545 W. Touhy Avenue
Chicago, IL 60666-0945 

www.alliantcreditunion.org

© 2012 Alliant Credit Union. All Rights Reserved.

P322-R12/12