ATLANTA
POSTAL
CREDIT UNION 
3900 Crown Road (cid:129) Atlanta, GA  30380-0001
VISA PLATINUM
(404) 768-4126 (cid:129) (800) 849-8431
CONSUMER CREDIT CARD AGREEMENT
E-mail:  info@apcu.com (cid:129) Web site:  www.apcu.com
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 (6) 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, money orders, bets, lottery tickets, and casino gaming chips, as applicable. 
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 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 

© CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

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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 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.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your 
account when you obtain a cash advance from an ATM, the Credit Union or other financial institution. 
b.  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. 
c.  Late  Payment  Fee.  If  your  account  is  subject  to  a  Late  Payment  Fee.  You  may  be  charged  up  to  $20.00  or  the  amount  of  the  required 
minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
d.  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 up to $20.00 
or the amount of the required minimum payment, whichever is less or 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.
e.  Returned Payment Fee. If your account is subject to a Returned Payment Fee, you may be charged $15.00 or the amount of the required 
minimum payment, whichever is less, to your account when a payment is returned for any reason.
f.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made 
in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that 
you request.
g.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush 
card that you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery.
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 2.00% 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. 
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 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. If you give the Credit Union a specific pledge of shares by signing a separate pledge 
of shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your 
account until the Credit Union agrees to release all or part of the pledged amount. 

Your Account is secured by all other 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. 
These other shares may be withdrawn unless you are in default under this agreement. 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 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 
3900 Crown Road, Atlanta, GA 30380-0001 or telephone (800) 849-8431 Monday through Friday 8:00 a.m. to 5:00 p.m., 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 $50.00.
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 (6) 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.
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 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. INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of electronic gambling transaction 
through the Internet.
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.

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:

Atlanta Postal Credit Union
3900 Crown Road
Atlanta, GA 30380-0001

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 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 [or electronically] at:

Atlanta Postal Credit Union
3900 Crown Road
Atlanta, GA 30380-0001

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.

12.9%
12.9%
Your due date is at least 25 days after the close of each billing cycle. We will not charge you
any interest on purchases or cash advances if you pay your entire balance by the due date
each month.
To learn more about factors to consider when applying for or using a credit card, visit the
website of the Federal Reserve Board at
http://www.FederalReserve.gov/CreditCard

Interest Rate and Interest Charges
Annual Percentage Rate(APR) for Purchases 12.9%
APR for Balance Transfers
APR for Cash Advances
Paying Interest

For Credit Card Tips from the Federal
Reserve Board

Fees
Annual Fees
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
• Pay by Phone
Penalty Fees
• Late Payment
• Over-the-Credit-Limit
• Returned Payment
• NSF Convenience Check
Other Fees
• Statement Copy
• Rush Fee

None

None
$5.00
Up to 1% of each transaction in US dollars.
Up to $10.00

Up to $20.00
Up to $20.00 if opted into the service.
Up to $15.00
Up to $15.00

$5.00
$25.00

How will we calculate your balance?: We use a method called "average daily balance (including new purchases)".
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.