®/MasterCard ®
CREDIT CARD AGREEMENT

255 N. Lone Hill Ave. San Dimas, CA 91773 

NOTICE: See reverse side for important information regarding your rights to dispute billing errors.

In this Agreement, the words you and your mean the person or persons who use or authorize the use of, or who sign an application for, a Christian Community Credit Union VISA/MasterCard. Card means 
the Christian Community Credit Union VISA/MasterCard and any duplicates and renewals the Credit Union issues to you. Account means your VISA/MasterCard line of credit account with the Credit Union. 
Credit Union means Christian Community Credit Union.

1.  Using  the  Account.  If  your  application  for  a VISA/MasterCard  account  is  approved,  the 
Christian Community Credit Union will establish a line of credit for you and notify you of its amount 
when the card is sent to you. You agree not to let your account balance exceed your approved credit 
limit. Each payment you make on the account will restore your credit limit by the amount of the payment 
which is applied to the principal amount of purchases and cash advances. You may request an increase 
in your credit limit only by written application submitted to the Credit Union. The Credit Union has the 
right to reduce or terminate your credit limit at any time.
2.  Using the Card. You may use your card to purchase goods and services in person, online, and 
by mail or telephone from merchants and others who accept VISA/MasterCard credit cards. In addition, 
you may obtain cash advances up to $1,000 of your approved and available credit limit from the Credit 
Union, from other financial institutions or select merchants participating in the VISA/MasterCard program 
and from automated teller machines (ATMs), such as VISA/MasterCard ATM Network, that provide access 
to the VISA/MasterCard system. (Not all merchants or ATMs provide such access.) You will need to use 
your Personal Identification Number (PIN) to obtain a cash advance from an ATM.
Illegal Use of VISA/MasterCard Credit Card. You agree that your VISA/MasterCard 
3. 
Credit Card Account will not be used to make or facilitate any transaction(s) that are or might be construed 
to be illegal pursuant to applicable law, rule or ordinance, including but not limited to gambling. Said 
use, including any such authorized use, will constitute an event of default under this Agreement. You 
agree that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by 
you or any authorized user(s). You agree that you are responsible for repayment of any and all debts 
incurred for these transactions. You further agree to indemnify and hold the Credit Union harmless from 
any suits, liability, damages or adverse action of any kind that results directly or indirectly from such 
illegal use.

4.  Responsibility. You agree to pay all charges (purchases and cash advances) to your account 
made by you or anyone who you authorize to use your account. You also agree to pay all other charges 
added to your account, pursuant to Paragraph 7. Your obligation to pay the amount owed on your account 
continues until paid in full even though an agreement, divorce decree or other court judgment to which 
the Credit Union is not a party may direct someone else to pay the account balance. If more than one 
person signs this Agreement, each is individually responsible for all amounts owed on the account and 
all are jointly responsible for all amounts owed. This means the Credit Union can enforce this Agreement 
against any of you individually or all of you collectively.

5.  Finance Charges. In order to avoid a FINANCE CHARGE on purchases made since 
your last statement date, you must pay the Total New Balance shown on your statement within 25 days 
of  the  statement  closing  date.  Otherwise  the  FINANCE  CHARGE  on  purchases  is  calculated 
from the beginning of the next statement period on previously billed but unpaid purchases and on new 
purchases from the date they are posted to your account. Cash advances and balance transfers are 
always subject to a FINANCE CHARGE from the date they are posted to your account.
We figure the FINANCE CHARGE on your account by applying the periodic rate to the ‘‘average 
daily balance’’ of your account. To get the ‘‘average daily balance’’ we take the beginning balance of 
your account each day, add any new purchases, and cash advances, and subtract any unpaid other 
finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This 
gives us the ‘‘average daily balance.”
VISA  SIgnAture  rewArdS,  VISA  rewArdS  And  world  MASterCArd 
rewArdS ACCountS
Your VISA Signature Rewards, VISA Rewards and World MasterCard Rewards 
Accounts will be subject to a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE 
RATE and a corresponding Monthly Periodic Rate which will be a standard variable 
(floating)  rate  based  upon  an  index  plus  a  margin. The  margin  applicable  to  your  account  will 
be  determined  by  your  creditworthiness.  The  ANNUAL  PERCENTAGE  RATE  and  the 
corresponding  Monthly  Periodic  Rate  will  apply  to  purchases,  cash  advances  and 
balance transfers.  
Index
The Index is Prime Rate (“Index”). Information about this Index is published in the Money Rates Table 
of the Wall Street Journal.  
Rate Changes
The ANNUAL  PERCENTAGE  RATE may change on the first (1st) day of each billing cycle. 
These  are  known  as  rate  change  dates. The  Index  value  used  for  a  given  billing  cycle  will  be  the 
value published on first (1st) business day before the change date or the most recently published value 
published before the change date. If more than one rate is published, the Index will be the highest of 
the rates published. If the Index ceases to be published, the Credit Union will choose a new Index and 
give you notice of its choice.
Determination of Annual Percentage Rate
The Credit Union will add a margin ranging from 7.65% to 13.65%, depending on your credit score, 
to the Index to get the ANNUAL PERCENTAGE RATE applicable to your Account for the billing 
cycle.  Notification of the margin for which you have been approved will be provided on the VISA Signature 
Rewards, VISA Rewards and World MasterCard Rewards Accounts Approval Letter sent to you upon 
completion of the credit review and approval.  
ANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the 
corresponding Monthly Periodic Rate for the billing cycle. An increase or decrease in the Prime 
Rate will lead to an increase or decrease in your ANNUAL  PERCENTAGE  RATE  and the 
corresponding Monthly Periodic Rate applicable to your Account.  

Limitations on Changes
There  is  no  limit  on  the  amount  by  which  the  rate  changes  in  any  one-year  period. The  maximum 
ANNUAL PERCENTAGE RATE that can apply is 18.00%. 

Annual Percentage Rate Example
Based upon a margin of 7.65% (your margin may be different depending on your credit score) plus 
an Index value of 3.50%, (which was the value of the Index on May 1, 2016), your Account would 
be subject to a FINANCE  CHARGE (interest) at an ANNUAL  PERCENTAGE  RATE of 
11.15%, with a corresponding Monthly Periodic Rate of 0.929%. 
On the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL 
PERCENTAGE RATE and the corresponding Monthly Periodic Rate will be calculated 
according to the formula described above and will be stated on our VISA Signature Rewards, VISA 
Rewards and World MasterCard Rewards Accounts Approval Letter.

VISA BuSIneSS rewArdS ACCount
Your VISA Business Rewards Account will be subject to a FINANCE CHARGE (interest) 
at an ANNUAL PERCENTAGE RATE and a corresponding Monthly Periodic Rate 
which will be a standard variable (floating) rate based upon an index plus a margin of 7.65%. The 
ANNUAL PERCENTAGE RATE and the corresponding Monthly Periodic Rate will 
apply to purchases, cash advances and balance transfers.
Index
The Index is Prime Rate (“Index”). Information about this Index is published in the Money Rates Table 
of the Wall Street Journal.  

Rate Changes
The ANNUAL  PERCENTAGE  RATE may change on the first (1st) day of each billing cycle. 
These  are  known  as  rate  change  dates. The  Index  value  used  for  a  given  billing  cycle  will  be  the 
value published on first (1st) business day before the change date or the most recently published value 
published before the change date. If more than one rate is published, the Index will be the highest of 
the rates published. If the Index ceases to be published, the Credit Union will choose a new Index and 
give you notice of its choice. 
On the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL 
PERCENTAGE RATE and the corresponding Monthly Periodic Rate will be calculated 
according to the formula described below and will be stated on our VISA Business Rewards Approval Letter.
Determination of Annual Percentage Rate
The Credit Union will add a margin of 7.65% to the Index to get the ANNUAL PERCENTAGE 
RATE applicable to your Account for the billing cycle.  Based upon an Index value of 3.50%, (which was 
the value of the Index on May 1, 2016), your Account would be subject to a FINANCE CHARGE 
(interest)  at  an  ANNUAL  PERCENTAGE  RATE  of  11.15%,  with  a  corresponding 
Monthly Periodic Rate of 0.929%. 
ANNUAL  PERCENTAGE  RATE for the billing cycle will be divided by twelve (12) to get the 
corresponding Monthly Periodic Rate for the billing cycle. An increase or decrease in the 
Prime Rate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE and the 
corresponding Monthly Periodic Rate applicable to your Account.  
Limitations on Changes
There  is  no  limit  on  the  amount  by  which  the  rate  changes  in  any  one-year  period. The  maximum 
ANNUAL PERCENTAGE RATE that can apply is 18.00%. 
6.  Change in Terms; Changing or Terminating Your Account. The Credit Union 
may change the terms of this Agreement, including your ANNUAL PERCENTAGE RATE, from 
time to time for any reason not inconsistent with applicable law after giving you any advance notice 
required by law. Your use of the card after receiving notice of a change will indicate your agreement to 
the change. To the extent the law permits, and except as otherwise indicated in the notice to you, the 
change will apply to your existing account balance as well as to future transactions. Either the Credit 
Union or any one of you 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. The 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.
7.  Other Charges. The following Other Charges will be added to your account, as applicable:
If you are a credit card member only with no other relationship with Christian Community Credit 
• 
Union, a one-time non-refundable membership fee of $25.00 will be charged to your credit card account.
• 
CASH ADVANCE FEE (FINANCE CHARGE): You will be charged a cash advance fee of 2% of 
the amount advanced with a $5.00 minimum.
• 
COPIES: If you request a copy of any document, we may charge your account $5.00 per copy 
requested. If your request is related to a billing error and an error is found, we will credit any copying 
charges to your account.
• 
LATE PAYMENT FEE: We reserve the right to charge a late payment fee of up to $15.00 to your 
account each billing period that the minimum monthly payment is not received by 15 days after due date.
• 
RETURNED PAYMENT FEE: A fee of up to $25.00 will be assessed for each card payment that 
is returned to the Credit Union.
• 
of your card or personal identification number (PIN).

EXPRESS CARD/PIN ORDER: A fee of $40.00 will be assessed if you request express delivery 

CU Store  # 7018e                                          

                REV. 03/04/16  PTD 05/2016

© 2000-2016 Simply Legal - All Rights Reserved 

 
BALANCE TRANSFER FEE (FINANCE CHARGE): You will be charged a balance transfer fee of 

PIN REPLACEMENT FEE: A fee of $5.00 will be assessed if your PIN needs to be replaced.
MINIMUM FINANCE CHARGE: The minimum Finance Charge that may be assessed is $1.00.
CARD REPLACEMENT FEE: A fee of $10.00 will be assessed if your card needs to be replaced 

• 
• 
• 
due to damage, loss, or theft.
• 
2% of the amount transferred with a $5.00 minimum.
8.  Monthly Payment. Each month you must pay at least the minimum payment shown on your 
statement by the Payment Due Date shown. You may, of course, pay more frequently, pay more than the 
minimum payment, or pay the Total New Balance in full. If you make extra payments or larger payments, 
you are still required to make at least the minimum payment each month your account has a balance. The 
minimum payment is 3% of your Total New Balance but not less than $10.00, plus the amount of any prior 
minimum payments that you have not paid. In addition, if at any time your Total New Balance exceeds your 
credit limit, you must immediately pay the excess upon demand. Subject to applicable law, your payments 
will be applied to what you owe the Credit Union in any manner the Credit Union chooses.
9.  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 immediately terminate this 
Agreement and require repayment of your outstanding account balance plus any finance and other 
charges you owe under this Agreement. At the Credit Union’s discretion, any shares that were given 
as security may be applied towards what you owe. To the extent permitted by law, you will also be 
required to pay the Credit Union’s collection expenses, including court costs and attorneys’ fees.
10.  Liability  for  Unauthorized  Use. If  you  notice  the  loss  or  theft  of  your  credit  card  or 
a possible unauthorized use of your card, you should write to us immediately at 255 N. Lone Hill 
Avenue, San Dimas, CA 91773, or call us at (800) 449-7728. 
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.
11.  Liability for Unauthorized Use of Your VISA Credit Card. If there is an unauthorized 
use of your consumer VISA Credit Card or a Plus network or Interlink transaction, and the transaction 
takes place on the VISA network, then your liability will be zero ($0.00). This provision limiting your 
liability  does  not  apply  to VISA  Business  Rewards  cards  or VISA  Purchasing  Card Transactions, 
ATM cash disbursements processed on non-VISA or non-Plus networks, or non-VISA PIN-less debit 
transactions. Additionally, your liability with respect to unauthorized transactions may be greater than 
the above zero ($0.00) liability limit, to the extent allowed under applicable law, if the credit union 
reasonably determines, based on substantial evidence, that you were grossly negligent or fraudulent 
in the handling of your account or card.
12.   Liability for Unauthorized Use of your MasterCard. If there is an unauthorized use of your MasterCard 
Credit Card then your liability will be zero ($0.00) so long as you have exercised reasonable care in 
safeguarding your card from risk of loss or theft and upon becoming aware, you have promptly reported 
the  loss  or  theft  to  the  Credit  Union.  If  you  cannot  meet  these  requirements  then  your  liability  with 
respect to unauthorized transactions may be greater than the above zero ($0.00) liability limit, to the 
extent allowed under applicable law. In any case, to minimize your potential liability you should notify us 
promptly of any unauthorized use, but no later than sixty (60) days after your statement was mailed to 
you. This provision limiting your liability does not apply to MasterCard commercial cards.

13.  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. Pursuant to state law, 
you are hereby notified that a negative credit report reflecting on your credit record may be submitted to 
a credit reporting agency if you fail to fulfill the terms of your credit obligations.
14.  Returns and Adjustments. Merchants and others who honor the 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 amount is $1 or more, it will be refunded 
upon your written request or automatically after six months.
15.  Foreign Transactions.  Purchases  and  cash  advances  made  in  foreign  currencies  will 
be billed to you in U.S. dollars. Transactions processed outside of the United States or in a foreign 
currency may be charged a foreign transaction fee, regardless of whether there is a currency conversion 
associated with the transaction. The conversion rate in dollars will be 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 in each instance, plus a one percentage point (1.0%) fee 
charged by the Issuer.
16.  MasterCard  Cross-Border  Transactions.  Purchases  and  cash  advances  made  in 
foreign currencies will be billed to you in U.S. dollars. If a cross-border transaction on a U.S.-issued 
credit card is submitted to MasterCard in the currency of the country of the merchant, MasterCard will 
convert  the  transaction  to  the  cardholder’s  billing  currency  using  its  currency  conversion  procedure. 
MasterCard uses either a government mandated exchange rate, or a wholesale exchange rate selected 
by  MasterCard. The  government-mandated  exchange  rate  or  wholesale  exchange  rate  MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day 
the transaction is processed, which may differ from that applicable to the date the transaction occurred 
or when it is posted to your account. Added to your cross-border transaction are a MasterCard Issuer 
cross-border assessment of eight-tenths of one percent (.8%) and currency conversion assessment of 
two-tenths of one percent (.2%).
17.  Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant 
or financial institution to honor the 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 100 
miles of your home.
18.  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.
19.  No Waiver. The Credit Union can delay enforcing any of its rights any number of times without 
losing them.
20.  Statements and Notices. You will receive a statement each month showing transactions on 
your account. 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. You agree to promptly 
notify the Credit Union if you change your mailing address.
21.  Transfer of Account. You cannot transfer or assign your account to any other person.
22.  Governing Law. This Agreement and your account shall be governed by California law without 
regard to any conflict of law rules.

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.

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: Christian Community Credit Union, 
255 N. Lone Hill Avenue, San Dimas, CA 91773. 
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 error 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 the bill is 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 at: 
Christian Community Credit Union, 255 N. Lone Hill Avenue, San Dimas, CA 91773. 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.