Important Disclosure Information 
Travis Credit Union Credit Cards 
 (Effective June 1, 2016 TCU no longer offers the MasterCard product)  

Interest Rates and Interest Charges 

V 

Platinum Rewards  
VISA 

MasterCard 
 Gold 

Share-
Secured/Credit 
Builder Classic 
VISA 

Classic 
 VISA 

Annual Percentage 
Rate (APR) for 
purchases* 

Cash 
Advance  APR* 

Balance 
Transfer  APR* 

5.99% 
introductory APR for 
12 months. After that, 
APR will be 
8.99% to 
15.99% 
5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

10.99% to 
15.99% 

15.40% 

 16.99% 

12.99% to 
17.99% 

12.99% to 
17.99% 

17.40% 

18.99% 

17.40% 

18.99% 

Penalty Rate 

None 

How to Avoid Paying Interest on Purchases 

You have 25 days to repay your balance in full for purchases 
before a finance change will be imposed. 

Method of computing the balance 

Average daily principle balance (including new transactions) 

Minimum Finance Charge 

None2 

Fees 

Visa Rewards Annual Fee 

Visa: $25.00 3    

Transaction Fees 
  Balance Transfer 

  Cash Advance 
  Foreign Transaction 

Penalty Fees 

  Late Payment 
    Returned Payment 

Card Replacement Fee 

5.99% Intro rate: None for the first 12 months; 
All other cards: None for the first 90 days; after that time, the fee will 
be 2% of the amount transferred not to exceed $25.00 
$5.00 each advance. 
1% of the U.S. dollar amount of the transaction whether made in 
U.S. dollars or converted from a foreign currency.4 

$15.00 5 
$15.00 

$5.00 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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 

*Final product and APR will be determined based on credit worthiness.  

Loss of Introductory APR: We may end your introductory APR and apply the final APR, which will be determined 
based on your credit worthiness, if you make two late payments during the introductory period. 

 
   
 
 
 
When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you 
authorize Travis Credit Union to independently verify the information you provided by any lawful means, to exchange 
credit information about you with others; including obtaining information about you from credit or consumer 
information bureaus and agree that Travis Credit Union may at its discretion, from time to time, make inquiries 
regarding your credit standing through consumer credit bureaus and agree to provide financial statements or other 
evidence to support your income if requested.  

If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your 
card. By using the card you agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement. 

      1.  If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in 
a regular share account based upon credit worthiness. 

      2.  Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly 
payment is the greater of 2% of the balance or $20.00. 

      3.  The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program. If you 
opt-out of rewards program you may opt back in later, a $25.00 annual rewards fee will apply. 

 I wish to enroll in the Visa rewards program. 

 I wish to opt out of the Visa rewards program. 

           ____________________________________________________________________ 
           Account Number                  Member Signature                                               Date 

      4.  Purchases and cash advances made in foreign currencies will be billed in U.S. dollars. The conversion rate in 
U.S. dollars will be either at the government mandated rate or a wholesale currency market rate determined by Visa® 
or MasterCard International® for the processing cycle in which the transaction is processed. The currency conversion 
rate used by Visa® or MasterCard International® on the processing date may differ from the rate that would have 
been used on the purchase date or cardholder statement posting date. The Credit Union has no control over the 
conversion rate. 

      5.  If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be 
charged to the account.  If the minimum payment is less than $15, the late fee will be no more than the amount of the 
minimum payment. 

This information about credit cards is accurate as of June 1, 2016 and may change after that date. For current 
information, ask your Member Service Representative or call (707) 449-4000 or (800) 877-8328. Credit Card 
accounts are exclusively for Travis Credit Union members. 

This disclosure supplements the Credit Card Agreement and Disclosure Statement. Please keep this disclosure for 
your records. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Cardholder Agreement and Disclosure.

CCDISC  06/16

 
 
  
  
  
        
       
 
 
 
 
 
 
 
 
 
 
 
 
CREDIT CARD CARDHOLDER AGREEMENT 

AND DISCLOSURE STATEMENT  

The following terms and conditions governing credit cards constitute a mutually protective service agreement 
(the "Agreement") between you and Travis Credit Union (The “Credit Union.”)   (Please read the entire 
Agreement.)  You have applied for a MasterCard® or Visa® Credit Card with Travis Credit Union.  If issued, 
the extension of a Credit Card to you under this Agreement will be subject to the following terms, which may be 
amended from time to time. 
Having applied for this card, you have certified that all the information you provided was true and correct.  You 
understand that it is illegal to provide false information in order to obtain the card.  By using the card you affirm 
that you authorized Travis Credit Union to obtain your address from DMV and waiv ed address confidentiality 
rights that you may have under California Vehicle Code §1808.21 and comparable laws of other states.   You 
further authorize the Credit Union to investigate your credit standing when opening, renewing, or reviewing 
your Credit Card Account. 

A.  

B. 

C. 
1. 

2. 

3. 

4. 

5. 

6. 

CHANGES IN TERMS 
The Credit Union can change the terms of this Agreement, including the Annual   Percentage Rate, by 
giving you written notice 45 days prior to the effective date of the change.  If you do not want the 
changes to apply to your credit card account, you must notify us in writing within 15 days after the date 
of your billing statement or within 15 days of the date a separate change of terms notice was mailed , 
stating your non-acceptance of the terms and indicating your name, address and account number.  Mail 
it to Travis Credit Union, P.O. Box 2069, Vacaville, CA  95696.  If you notify us, your credit card will be 
cancelled, but you can continue to pay off the balance under the old terms.  If you do not notify us or if 
you continue to use your card, the new terms, or new Annual Percentage Rate (APR), will apply to the 
balance of your loan. Your notice of termination will not affect any unprocessed transactions  that 
occurred prior to your written notice of termination, for which you will be obligated.  
GOVERNING LAW 
This Agreement is made in California and shall be governed by the laws of the State of California to the 
extent that California Law is not inconsistent with controlling Federal Law. California’s “Choice of Law 
Rules” will not be applied if they would result in the application of non -California law.  You agree by use 
of this Service that you do hereby submit to jurisdiction of the courts of  California regarding Travis 
Credit Union and that any conflict brought or filed with respect to use of this Service or concerning this 
Agreement shall be brought in a court of competent jurisdiction in Solano County, California. 
USING YOUR CARD  
You consent to the terms of this Agreement by using your credit card.  You continue to be bound for all 
transactions resulting from the use of the card until you have given us written notice of termination of 
your credit card account (the “account”).  This termination will not affect any unprocessed transactions 
that occurred prior to your written notice of termination, for which you will be obligated.  
If the Credit Union approves your application, each applicant will be issued the credit card applied for  
and will be able to use the account.  Each applicant will also be liable to repay the account under the 
terms of this Agreement.  Co-signers who do not have access to the account, but are still liable for the 
loan, acknowledge receipt of a copy of this Agreement as well as the separate “Notice of Co-signer.” 
If you remove your name from a joint account on which a credit card was issued, you are still obligated 
for any transaction that took place prior to you removing your name.  
You are also obligated to repay any charges resulting from the use of the card by another person with 
your permission, whether or not the person stays within the limits set by you.  
Any persons who use the card are also obligated to repay the Credit Union for all charges incu rred 
because of their use of the card. 
You remain bound to pay for charges under this Agreement even though another person has been 
directed to pay the debt by agreement or court order such as a divorce decree. 

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7. 

8. 

9. 

10. 

11. 

12. 

D. 
1. 

2. 

3. 

4. 

To make a purchase or get a cash advance, present the card to a participating Credit Card plan 
merchant, to us, or to another financial institution, sign the sales or cash advance draft imprinted with 
your card number.  Keep a copy of the draft to verify your monthly statement.  
Your Credit Card may also access designated Automatic Teller Machines (ATMs) showing the Credit 
Card logo.  The use of your Credit Card for ATM access is subject to additional ATM disclosure terms.  
Convenience Checks.  Credit Card account cardholders may sometimes be issued personalized 
checks that can be used to access your credit without additional service charges other than the accrual 
of Finance Charges. 
Foreign Transactions and Charges.  Purchases and cash advances made in foreign currencies will 
be billed in U.S. dollars.  The conversion rate in U.S. dollars will be either at the government mandated 
rate or a wholesale currency market rate determined by Visa® or MasterCard International® for the 
processing cycle in which the transaction is processed. 
The currency conversion rate used by Visa® or MasterCard International® on the processing date may 
differ from the rate that would have been used on the purchase date or cardholder statement posting 
date.  The Credit Union has no control over the conversion rate. 
Visa Credit Cards.  In addition to the conversion rate selected by Visa®, a separate Visa International 
Service Assessment Fee of 1% is charged to the Credit Union and will also appear as a separate line 
item on your statement. 
MasterCard Credit Cards. In addition to the conversion rate selected by MasterCard ®, a separate 
MasterCard foreign transaction fee of 1% is charged to the Credit Union and will also appear as a 
separate line item on your statement.  
Unlawful Activity.  You agree not to use any financial service provided by Travis Credit Union, 
including without limitation any credit cards, debit cards, loan transactions, or share checking or savings 
accounts, for any illegal or unlawful purpose.  Any illegal or unlawful use of Travis Cre dit Union financial 
services by you may, at the option of the Credit Union, be deemed an event of default or breach of 
contract with respect to the service(s) in question and your use of such service(s) may be terminated or 
restricted.  You agree to defend, indemnify and hold Travis Credit Union harmless from and against any 
and all claims, damages, lawsuits, liabilities, losses, injuries and costs, including attorney ’s fees, arising 
out of, caused by, or related to your unlawful or illegal use of Travis Cr edit Union financial services. 
Internet gambling may be illegal or unlawful in the state, country or other jurisdiction in which you are 
located or in which you perform a transaction or use a Travis Credit Union financial service, including a 
debit card, VISA® or MasterCard®.  Display of a VISA®, MasterCard®, or other payment logo by an 
online merchant does not mean that Internet gambling transactions are lawful in the jurisdiction(s) in 
which you may be located. 

Illegal or unlawful use of Travis Credit Union financial services by you may also result in the suspension 
or termination of your Travis Credit Union membership. 
Transaction Limitations.   For security reasons there are limits on the number and dollar amount of 
transactions, transfers or withdrawals you can make with your card each month. This includes credit, 
point-of-sale, ATM and other electronic transactions or transfers conducted using your card. 
CREDIT LIMIT 
If your application is accepted, the Credit Union will establish a credit limit for you.  The amount will be 
based on many factors including your ability to pay and your creditworthiness. 
Your account will be an open-end or revolving credit account.  This means that you can borrow the full 
amount of the credit limit, repay the principal in full or part and borrow again up to your maximum credit 
limit as long as you continue to be creditworthy. 
The Credit Union has the right to terminate the account without advance notice.  It will notify you in 
writing of the reason for any such denial of credit.  Among the reasons for refusing to advance you 
credit are an adverse change in your credit worthiness, such as not ma king current loan payments, a 
change in your employment status, your insolvency, bankruptcy, or death. 
Your credit limit will be reviewed periodically and you may be requested to provide current information.  
Your borrowing limit may be increased or decreased at any time.  You can apply for an increase in your 
credit limit at any time. 

Page 2 of 8 

 
 
 
 
 
 
 
 
 
 
 
5. 

E. 
1. 

2. 

3. 

4. 

5. 

6. 

7. 

F. 
1. 

2. 

3. 

4. 

5. 

Payments received will be immediately applied against the amount owed, and your loan balance 
reduced accordingly.  However, in certain instances, the payment amount may  not be immediately 
applied to the available credit on your account. 
REPAYMENT TERMS 
You promise to pay to the Credit Union at the address designated on your statement all sums 
advanced to you under this agreement at any time plus a Finance Charge. 
The minimum required monthly payment is the greater of 2% of the new balance shown  on your current 
statement or $20.00, plus any past due minimum required payment and any amount that exce eds your 
approved credit limit. The minimum monthly payment is increased as the loan balance increases as 
stated in the monthly statement. 
The Credit Union will send you monthly statements of your Credit Card account which will advise you of 
the status of your account and other information required by law. 
Any advance, together with your current outstanding balance, which for any reason is in excess of your 
authorized credit limit, must be reduced to the authorized limit by a single lump sum payment by you, 
upon written notification by the Credit Union. 
The balance owed by you, including accrued Finance Charges on the unpaid balance, may be repaid 
in full at any time without prepayment penalty. 
If the payment exceeds the outstanding balance of your credit card account, the amount over the credit 
limit will be transferred to your regular savings account.  In certain instances, a hold may be placed on 
the portion credited to your savings account and may not be available for immediate withdrawal.  If this 
occurs, a notice will be provided, advising you of the amount h eld, the date available and the reason for 
the hold. 
Payments may be made by mail, electronically, by phone (See How to Contact Us section), or in-
person at any of our branches to an employee of the Credit Union.  
Your payment will be credited on the date of receipt, Monday through Friday, if received in -person at 
any of our branches before 5:30PM. 
If your due date falls on a weekend or federal holiday, a payment made in -person at any of our 
branches on the next business day will be considered as having been made on time.  This does not 
apply to electronic payments, which can be made on a weekend or federal holiday.  
A fee will not be charged for payment by mail, electronic transfer, telephone or other means unless it is 
for an expedited payment. 
FINANCE CHARGES  
The Finance Charge is the amount of money that you pay for the money you borrow.  The Finance 
Charge is calculated using the rates reflected on the Annual Percentage Rate (APR) disclosure which 
you received and which is incorporated herein by reference. 
The Finance Charge is calculated by applying the Monthly Periodic Rate to the Average Daily Balance  
for cash advances and the Average Daily Balance for purchases.  The Average Daily Balances for cash 
Advances and for purchases are shown separately on your statement.  The APR for cash advances, 
balance transfers or purchases may not be the same, and may result in different finance charges 
depending on the transaction. 
The Average Daily Balance is calculated by adding purchases and cash advances made during the 
statement period, if you had no previous balance or paid the balance in full within 25 days o f the last 
statement closing date.  If you had a previous balance as of the beginning of the statement period, it is 
reduced by any payments and credits and increased by cash advances, non -cash transactions and 
debit adjustments made during the statement period.  The daily principal balances are totaled and 
divided by the number of days in the statement period to arrive at the Average Daily Balance.  
The Finance Charge on cash advances runs from the date of each transaction.  Finance charges on 
non-cash transactions accrue from the date of posting to your account.  However, if you pay your new 
balance in full within 25 days of your statement closing date, current Finance Charges on non-cash 
transactions are waived.  Otherwise, a Finance Charge will be imposed on the unpaid average daily 
balance on non-cash transactions from the previous statement closing date until the payment date.   
Cash advances include credit withdrawals at ATMs, online transfers, over the counter cash advances, 
and through checking account overdraft protection if that option has been selected. 
A fee of $5.00 will be charged for each cash advance obtained on your Credit Card account.  A cash 
advance charge is included as a Finance Charge under federal requirements. 

Page 3 of 8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6. 

7. 

8. 

9. 

G. 
1. 

2. 

3. 
4. 

H. 

I. 

J. 

K. 

L. 

The Finance Charge continues to accrue until the date of payment on cash advances or purchases 
carried forward from the previous statement.  
No Finance Charges will be imposed for any purchases paid off within 25 days of the closing date.  No 
Finance Charges will be imposed during the current billing cycle for repaid cash advances posted to 
your account during previous billing cycles. 
A partial payment will not reduce the current month’s Finance Charge.  The Finance Charge 
continues to accrue on the same basis on the total unpaid principal balance. 
Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) 
before balances with higher APRs (such as Cash Advances).    Payments made in excess of the 
minimum payment will generally be applied to the balances with the higher APRs first before balances 
with lower APRs. 
OTHER CHARGES 
Late Charges: If the minimum monthly payment is not received at the address shown on your 
statement within 15 days of due date, a late charge of $15.00 will be charged to the account.  If the 
minimum payment is less than $15, the late fee will be no more than the amount of the minimum 
payment. 
Returned Items: Each time a check or other transfer processed by the Credit Union as a paymen t on 
your account is returned unpaid, an additional charge of $15.00 will be imposed. 
Replacement Card: A charge of $5.00 will be imposed for each replacement card. 
Balance Transfer Fee:  None for the first 90 days; after that time, the fee will be 2% of the amount 
transferred, not to exceed $25.00 
HONEST DEALING 
You will promptly notify the Credit Union of any information that affects your creditworthiness or ability 
to pay off the loan including but not limited to a change in address or  employment.  You will not apply to 
increase the credit balance if you have reason to believe that you will be unable to make the scheduled 
payments. 
ADDITIONAL  TERMS APPLICABLE  TO CO-SIGNERS 
As a co-signer you understand that you are obligated to repay any amount borrowed under this 
agreement up to the credit limit established by the Credit Union for the applicant to the same extent as 
the applicant.  The Credit Union can proceed against you if the payments are delinquent even before it 
seeks to recover from the borrower.  The Credit Union will give you notice of any action it takes that 
could have an adverse effect on your credit standing.  Any extension of the payoff or partial settlement 
with the borrower will not waive any of the Credit Union’s r ights against you as the co-signer.  You can 
stop being obligated for future loan advances only by writing to the Credit Union to that effect.  But you 
will still be jointly and individually liable with the borrower for the repayment of the existing loan 
according to the terms of the Agreement. 
SECURITY INTERESTS 
The Credit Union may require you to pledge a specified amount on deposit in one or more of your 
Credit Union share accounts as security for repayment of all amounts loaned to you under the terms of 
this Agreement, and by using the credit card you understand and agree that if you secure your credit 
card loan by specifically pledging an amount on deposit, you cannot withdraw the funds pledged from 
the account as long as the pledge is in effect.  If you default in your payments under the terms of this 
agreement, the Credit Union has the right to apply the amount specifically pledged to payoff the Credit 
Card account in full or in part. The amount pledged and the account will be shown on a se parate 
security agreement. 
DEFAULT – LIEN – ACCELERATION 
If you are in default on your payments, you no longer have an active Credit Card account, your 
creditworthiness declines, you become insolvent, file for bankruptcy, or die, or any attachment or 
garnishment proceeding are initiated against you or your property, the Credit Union will, at its option, 
terminate your account and declare the entire unpaid balance of the account due and payable 
immediately without notice.  Even if the Credit Union accepts a late payment or partial payment, it is not 
waiving its right to accelerate the payment of the account and declare the entire unpaid balance due.  
COMMUNICATIONS  
You agree that representatives of the Credit Union or its agents may call or send text messages to you 
regarding this account or any other account you have at the Credit Union at any telephone number that 
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M. 

N. 

O. 
1. 

2. 

P. 

you provide to us or that representatives of the Credit Union or its agents obtain from other sources, 
now or later.  This authorization includes calls and text messages made to cell phones and wireless 
devices using an automated dialing system or prerecorded message. 

COLLECTION COSTS 
You agree to pay all reasonable cost of collection incurred by the Credit Un ion before and after suit is 
filed.  If we have to take legal action to collect what you owe us, you agree to pay our reasonable 
attorney’s fees and court costs in addition to other amounts you owe us, whether the legal action we 
take is a collection lawsuit, a bankruptcy proceeding, an appeal, an action to collect a judgement we 
have against you, or another type of proceeding. 

TERMINATION 
We can terminate your Credit Card account without prior notice, reduce or cancel all credit available on 
the account, refuse to make further advances, and revoke all cards issued on the account for any 
breach of this Agreement.  Termination of the account does not relieve you of the obligation to repay 
the full account balance due under this Agreement. 
OTHER RIGHTS 
Unauthorized use of lost or stolen cards: You may be liable for the unauthorized use of any card 
issued to you after its loss or theft. 
 

A MasterCard® cardholder will not be liable for such unauthorized use which occurs if the 
cardholder reports the loss, theft or unauthorized use of the card; the cardholder has not 
reported two or more incidents of unauthorized use on the account within the preceding 12 
months; the card holder has exercised reasonable care in safeguarding his/her card  from risk of 
loss or theft and the cardholder’s account is in good standing. 
A Visa® cardholder will not be liable for such unauthorized use which occurs if the cardholder 
reports the loss, theft or unauthorized use of the card  

 

Notify us of the loss or theft at our 24-hour telephone number (800) 453-4270 and call the 
regular Credit Union office as well at (707) 449-4000 or (800) 877-8328.  Any written inquiries 
should be sent to Travis Credit Union, P.O. Box 2069, Vacaville, CA  95696 -2069.  Business or 
organization accounts in which 10 or more cards have been issued to employees or associates 
are not subject to the limitations on liability.  You agree to notify us at once of the loss or theft 
and to cooperate in our determination of the circumstances. 

Credits.  If a merchant who honors your card gives you credit for return or adjustments,  he will do so by 
sending us a credit slip which we will post to your account.  If your credits and payments exceed what 
you owe us, we will  transfer any amount over your credit limit to your regular savings account.  
Consistent with the law, we will promptly credit your payments so you do not incur unnecessary 
Finance Charges; however, we reserve the right to hold refunds until final collection of items you 
present for payment on your Credit Card account 
GENERAL TERMS 
The terms of this agreement must be read together as a part of the whole agreement.  When the 
singular is used the plural is implied if there is more than one signer.  If any part of this agr eement is 
found to be invalid, the other parts shall remain in effect.  Applicable Federal and State of California 
laws shall govern the interpretation 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. 

STATE  AND LOCAL LAW 

The following summary of your rights under Federal law does not cover all rights you may have under State 
and local law.  If under State or local law, you have a longer period of time in which to send an inquiry to the 

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Credit Union concerning your statement, reliance on any such longer time period may result in you losing your 
important rights which could be preserved by acting more promptly under Federal law.  State or local 
provisions, if any, only become operative upon the expiration of the time period p rovided by Federal Regulation 
Z for submitting a proper written notification of an error. 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILLING STATEMENT OR 
ELECTRONIC TRANSFERS 

If you think your statement is wrong, or if you need more information a bout a transaction on your statement, 
write us at the address listed on your statement.  Write to us as soon as possible.  We must hear from you no 
later than 60 days after we sent you the first statement on which the error or problem appeared. You can 
telephone us at (707) 449-4000, but doing so will not preserve your rights.  We will request that you send us 
your questions in writing. 

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.  

HOW TO STOP A PAYMENT OF A   
PRE-AUTHORIZED ELECTRONIC FUND TRANSFER 

If you have authorized us to make your credit card payment automatically from your share or Credit Union 
checking account, you can stop the payment on any amount you think is wrong.  To stop the payment you 
must contact us within three business days before the automatic payment is schedu led to occur.  If you 
telephone your request, we may require you to confirm your oral request in writing.  If you fail to do so, your 
oral request will terminate 14 days after it is made.  If you order us to stop one of these payments 3 business 
days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or 
damages. 

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, 
we must either correct the error or explain why we believe the statement 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 question, including Finance Charges, and we can apply any 
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 statement th at are not in question. 

If we find that we made a mistake on your statement, 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.  However, if our 
explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we 
must tell anyone we report you to that you have a question about your statement.  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 $50.00 of the questioned amount, even if your statement 
was correct. 

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SPECIAL RULE FOR CREDIT CARD PURCHASES 

If you have a problem with the quality of property or services that you purchased with a 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 property or services.  There are two limitations on this right: 

1. 

2. 

You must have made the purchase in your home state or, if not within your home state within 100 miles 
of your current mailing address; and 

The purchase price must have been more than $50.00.  These limitations do not apply if we own or 
operate the merchant, or if we mailed you the advertisement for the property or services.  

NOTICE TO CALIFORNIA RESIDENTS 

1. 

Under California law our right to recover credit extended to you for purchases is subject to  any 
defenses that you have against the seller if: 

a. 
b. 
c. 

d. 

The purchase price in question exceeded $50.00; 
The purchase was made in California; 
You made a written demand of the retailer and made a good faith attempt to get satisfaction of 
your complaint. 
You notified us in writing of the name of the seller, the date of purchase, the price paid, the 
goods or services purchased, the nature of your defense, the actions which you took to obtain 
satisfaction from the seller. 

The amount to which the defense applies is limited to the amount outstanding on the purchase as well 
as late charges and Finance Charges at the time the written demand is received by us. 

This remedy is the only one you have against us.  Your rights are limited to those circumstances 
outlined in California Civil Code 1747.90.  Purchases with cash or check are not included in this section 
even though you used your Credit Card to validate your credit. 

We cannot penalize you by either giving out unfavorable credit information about you or canceling or 
refusing to renew your Credit Card account solely because you obtained relief under the remedies you 
have for correcting billing errors. 

2. 

3. 

4. 

ATM DISCLOSURE 

This part of the disclosure applies to use of your Credit Card to obtain cash advances on your Cre dit Card 
account at Automated Teller Machines (ATM).  Please refer to your ATM Card disclosure for disclosures 
applicable to ATM use for purposes other than obtaining cash advances on Credit Card accounts.  

You may use your Card and Personal Identification Number (PIN) to obtain Cash Advances at any Automatic 
Teller Machine ("ATM") that accepts your Card. Your PIN is confidential and should not be disclosed to 
anyone. You agree not to write your PIN on your Card, you will not keep your Card and PIN together , and you 
will not provide your PIN to anyone who is not an authorized user. You were issued a generic PIN at the time 
you received your Card.  If you wish to change this PIN, please contact any of our branches.    

Advances at authorized ATM's are limited to a total of $500.00 during any 24-hour period.  This amount may 
be lower based on available credit balance or individual machine cash limitations.  

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DOCUMENTATION OF TRANSACTIONS 

ATM cash advances using a Credit Card will be shown on your monthly stateme nt mailed to your address of 
record.  For this reason, always keep the Credit Union informed if your mailing address changes.  You will 
have the option to receive a receipt each time you use your card.  Always compare the receipt against your 
account record and statement. 

CREDIT UNION LIABILITY 

Travis Credit Union shall be held liable for damages caused in the case of a failure on our part.  However, if the 
action or failure to act was not intentional and resulted from a good faith error, even though we maintain 
procedures reasonably adapted to prevent such error, we shall be liable for only actual damages.  

There are some exceptions to the extent of Travis Credit Union's liability.  We will not be liable, for instance:  

 

 
 
 

 

 

 

If, through no fault of ours, you do not have enough money in your account to complete the electronic 
transaction and the transaction would go over the authorized credit limit.  
If the funds in your account are subject to legal process or other encumbrances restricting such transfer.  
If the ATM where you are making the transfer does not have enough cash. 
If the terminal was not working properly and you knew about the breakdown when you started the 
transfer. 
If circumstances beyond our control (such as fire, flood, earthquake, labor disputes,  power or computer 
failure) prevent the electronic transaction from being completed, despite reasonable precautions that we 
have taken. 
If there are other lawful exceptions established by the Credit Union and you are given proper advance 
notice of them. 
In no event will the Credit Union be liable for consequential indirect costs or damages.  

HOW TO CONTACT US 

Call (707) 449-4000 or (800) 877-8328 8:00 a.m. to 7:00 p.m., Monday through Friday or 9:00 a.m. to 5:00 
p.m. on Saturdays, excluding holidays (Pacific Time)  You may also visit any Credit Union office or write us 
at the address below: 

Travis Credit Union 
Attn:  Card Services Department 
P.O. Box 2069 
Vacaville, CA  95696-2069 

CCHDISC rev. 02/2017 

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