M-121773 (01/19) 

VISA GOLD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT 

TINKER FEDERAL CREDIT UNION – VISA GOLD  

Interest Rates and Interest Charges 
ANNUAL PERCENTAGE 
RATE (APR) for 
Purchases 

3.99% introductory rate on purchases for 6 months from date of account opening; thereafter, the 
APR is set by your credit rating at the time of account opening.* 

APR for Balance 
Transfers 

Rate 1 –  10.50%   Rate 2 –  11.50%   Rate 3 –  12.50%  Rate 4 –  14.50%    
Rate 5 –  16.50%    
The APR will vary with the market based on the Prime Rate.   
Rate 1 – 10.50%   Rate 2 – 11.50%   Rate 3 – 12.50%   Rate 4 – 14.50%   Rate 5 – 16.50% 

Balance transfer APR: The current program APR which will be set by your credit rating at the time of 
account opening.* The APR will vary with the market based on the Prime Rate.    

APR for Cash Advances 

Rate 1 – 10.50%   Rate 2 – 11.50%   Rate 3 – 12.50%   Rate 4 – 14.50%   Rate 5 – 16.50% 

Paying Interest 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 
Set-Up and Maintenance 
Fees 
● Annual Fee 
Transaction Fees 
● Balance Transfer Fee 
● Cash Advance Fee 
● Foreign Transaction 

Penalty Fees 
● Late Payment 

● Return Check Fee 

Other Fees 
● Statement Copy 

● Ticket Copy 

Cash advance APR: The current program APR which will be set by your credit rating at the time of 
account opening.* The APR will vary with the market based on the Prime Rate.   

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month.  We will begin 
charging interest on cash advances and balance transfers on the transaction date. 
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 

None 

None 
None 
1% of each transaction in U.S. dollars. 

Up to $22 - If your minimum monthly payment is not received by us on the due date on your monthly 
statement, we may impose a late fee of up to $22 which will be reflected on the following monthly 
statement.  

Up to $20 - The Credit Union may charge a return check fee for each return by a bank or other 
depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by 
cardholder(s) as payment on the credit card account. 

$2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing 
statement(s). 

The Credit Union may charge for each duplicate copy of requested sales slip(s).  However, if the 
request for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see 
“YOUR BILLING RIGHTS”), a fee will not be imposed. 
$25  - Travel and Entertainment documents 
$6  -   Original sales slip on valid charges 
$5  -   Photocopy of sales slip on valid charges 

● Card Replacement Fee 

$13 - the Credit Union may charge for each credit card that is reissued prior to the current cards 
expiration date. 

How We Will Calculate Your Balance:  We use a method called “Average Daily Balance (including new purchases).”  See the 
INTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder 
agreement under the YOUR BILLING RIGHTS section. 

*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700-739) Rate 3 (660-699) Rate 4 (625-659) Rate 5 (0 to 624) 
Your account must be open to receive a Year-End Purchase Summary and to use other program benefits. 

1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
DEFINITIONS 
Except  as  the  context  otherwise  requires  (a)  “Account(s)” 
means  my  Visa  Gold  credit  card  account  established  with 
Tinker Federal Credit Union and governed by this Agreement; 
(b)  “Issuer”  and/or  “Credit  Union”  means  Tinker  Federal 
Credit  Union  of  P.O.  Box  45750,  Tinker  Air  Force  Base, 
Oklahoma 73145; (c) “I,” “Me,” “We,” “My,” “Our,” “Mine,” 
“Us,”  “You,”  “Your,” and   “Cardholder(s)”  mean all persons 
who have signed the application for the Visa Gold and/or used 
or permitted others to use the card; (d) the “Card” or “Cards” 
means  the  Visa  Gold  card(s);  (e)  “Agreement”  means  this 
document;  (f)  “Cash  Advance”  means  all  cash  advances 
obtained  at  any  time  through  the  use  of  the  card  from  any 
financial institution authorized to honor the cards; (g) “Credit 
Limit”  means  the  dollar  amount  Credit  Union  approved 
against  which  I  may  borrow 
this 
Agreement;  (h)  “Application”  means  the  credit  application 
I/We  filled  out  and  signed  which  is  incorporated  herein  and 
made  a  part  of  this  Agreement;  (I)  “Prime  Rate”  means  the 
rate  published  daily  in  The  Wall  Street  Journal    under  the 
caption  “Money  Rates”  and  described  as  the  base  rate  on 
corporate 
large  United  States  money  center 
commercial  banks.    If  the  “Prime  Rate”  so  published  is  a 
range, the “Prime Rate” will mean the highest of the published 
range.  

in  accordance  with 

loans  at 

AGREEMENT TO EXTEND CREDIT 
Credit  Union  agrees  to  extend  credit  to  cardholder  and 
advance  amounts,  up  to  the  cardholder’s  credit  limit,  to  pay 
for:  (i)  all  purchases  of  goods  and  services  of  whatever  type 
and  nature  made  at  any  time  through  the  use  of  the  card  at 
businesses  authorized  to  honor  a  card,  and  (ii)  all  cash 
advances obtained at any time through the use of the card from 
any financial institution or ATM authorized to honor a card.   

PROMISE TO PAY AND PERSONS LIABLE 
By signing the application, retaining, and/or using the card(s) 
or  allowing  an  authorized  party  to  use  the  card(s),  I/We 
promise  to  pay  to  Credit  Union,  or  anyone  Credit  Union 
designates,  all  amounts  loaned  under  the  Agreement  plus  the 
applicable  interest  charges,  attorney’s  fees,  court  cases  or 
other amounts that I/We owe Credit Union. If  more than one 
person  applies  for  the  card(s),  each  person  will  be  issued  a 
Card  and  will  be  a  cardholder  under  this  Agreement.    The 
cardholder whose name appears first on the application will be 
considered the “Primary Cardholder.”  The cardholder will be 
responsible  for  all  purchases,  cash  advances,  and  all  interest 
charges imposed under this Agreement.  If there is more than 
one cardholder for the account, each cardholder will be liable 
for  all  amount  payable  on  the  account  regardless  of  which 
cardholder  is  responsible  for  incurring  such  amounts.    Each 
cardholder  will  also  be  responsible  for  complying  with  all  of 
the other terms of this Agreement. 

CREDIT LIMIT 
The Credit Union has established an initial credit limit for the 
cardholder’s  account(s)  and  reserves  the  right  at  any  time,  at 
cardholder’s  request  or  otherwise,  to  change  the  amount  of 
credit  available  through  cardholder’s  Visa  Gold  account(s). 
Cardholder  agrees  not  to  incur  charges  or  to permit  others  to 
incur  charges,  that  would  result  in  credit  in  excess  of 
cardholder’s  authorized  amount.    The  Credit  Union  does  not 
allow over-the-limit charges  as a term of this product.  If the 

credit  limit  should  be  exceeded,  for  any  reason,  even 
inadvertently, cardholder agrees to pay the amount over limit 
immediately  upon  notice  from  Credit  Union.    Examples  of 
inadvertent  excess  of  credit  limit  include,  but  are  not  limited 
to, returned payments and merchant authorizations. 

INTEREST CHARGE CALCULATION METHODS 
The  interest  charge  calculation  method  applicable  to  your 
account  for cash advances and credit purchases of  goods and 
services  that  you  obtain  through  the  use  of  your  card  is 
explained below.  Calculation Method A is used to determine 
the interest charge on cash advances. Calculation Method G is 
used to determine the interest charge on purchases of goods or 
services.   

Method  A—The  interest  charge  on  cash  advances  begins  to 
accrue on the date you obtain the cash advance or the first day 
of  the  billing  cycle  in  which  it  is  posted  to  your  account, 
whichever is later.  The interest charges for a billing cycle are 
computed  by  applying  the  daily  periodic  rate  to  the  average 
daily balance  multiplied by the number of days in  the billing 
cycle  OR  the  monthly  periodic  rate  to  the  average  daily 
balance  during  the  billing  cycle,  which  is  determined  by 
dividing the sum of the daily balances during the billing cycle 
by  the  number  of  days  in  the  cycle.    Each  daily  balance  is 
determined by adding to the previous balance (the outstanding 
balance of your account at the beginning of the billing cycle) 
any new credit purchases posted to your account and any new 
cash  advances  received,  and  subtracting  any  payments  as 
received  or  credits  as  posted  to  your  account,  but  excluding 
any unpaid interest charges. 

Method G—The interest charge on credit purchases begins to 
accrue  on  the  date  each  purchase  is  posted  to  your  account.  
To avoid incurring an interest charge on the balance of credit 
purchases  reflected  on  your  monthly  statement  and  on  any 
new  credit  purchases  appearing  on  your  next  statement,  you 
must  pay  the  new  balance  shown  on  your  monthly  statement 
on or before the payment due date.  The interest charges for a 
billing cycle are computed by applying the daily periodic rate 
to the average daily balance multiplied by the number of days 
in  the  billing  cycle  OR  the  monthly  periodic  rate  to  the 
average daily balance of credit purchases, which is determined 
by  dividing  the  sum  of  the  daily  balances  during  the  billing 
cycle by the number of days in the cycle.  Each daily balance 
is  determined  by  adding  to  the  previous  balance  of  credit 
purchases,  any  new  credit  purchases  posted  to  your  account 
and subtracting any payments as received and credits as posted 
to your account, but excluding any unpaid interest charges. 

VARIABLE RATE DISCLOSURE 
The Annual Percentage Rate is initially determined by your 
credit rating.  I understand that the monthly periodic rates and 
the  Annual  Percentage  Rates  are  variable  rates  that  may 
change from time to time.  The current rates are disclosed on 
the insert the Credit  Union  has  furnished to  me based on  my 
credit  score  at  the  time  of  account  opening.    My  Annual 
Percentage  Rate  (APR)  may  change  (increase  or  decrease) 
from  time  to  time  based  on  movements  in  the  Prime  Rate, 
published  in  The  Wall  Street  Journal  on  the  25th  calendar 
day  prior  to  the  beginning  of  each  calendar  quarter.    If  this 
date  falls  on  a  weekend  or  holiday,  the  published  rate  on the 
next  business  day  will  be  utilized.    My  new  rate  will  not 

2 

 
  
 
 
 
 
 
  
 
become effective until after the end of my current billing cycle 
in which movement of the Prime Rate dictates a change to the 
annual percentage rate currently in effect.    

Rate 1 – If I receive Rate 1, the APR will be determined by 
adding 5.25% to the Prime Rate. 
Rate 2 – If I receive Rate 2, the APR  will be determined by 
adding 6.25% to the Prime Rate. 
Rate 3 – If I receive Rate 3, the APR  will be determined by 
adding 7.25% to the Prime Rate.  
Rate 4 – If I receive Rate 4, the APR  will be determined by 
adding 9.25% to the Prime Rate. 
Rate 5 – If I receive Rate 5, the APR  will be determined by 
adding 11.25% to the Prime Rate. 
The periodic rate will be adjusted after the end of my current 
billing  cycle  in  each  calendar  quarter  in  which  movement  of 
the  Prime  Rate  dictates  a  change.    Calendar  quarters  begin 
January  1,  April  1,  July  1,  and  October  1  of  each  year.    I 
understand that my monthly periodic rate will be 1/12th of the 
applicable APR.  If there is an increase in the Prime Rate, my 
minimum  monthly  payment  may  also  increase.    Likewise,  if 
the Prime Rate decreases, my minimum monthly payment may 
also  decrease.    However,  in  no  event  will  the  Annual 
Percentage  Rate  exceed  18.0%,  (which  corresponds  to  a 
monthly periodic rate of 1.5%). 

MONTHLY PAYMENTS 
Cardholders agree to pay monthly on or before the “Payment 
Due  Date”  either  (i)  the  total  “New  Balance”  which  includes 
any  of 
the  previous  unpaid  balances,  purchases,  cash 
advances, payments and credits, or (ii) at least the “Minimum 
Payment”  required,  which  is  the  greater  of  $15.00  or  3%  of 
the  outstanding  “New  Balance”  as  shown  on  the  monthly 
statement.  Payment “Due Date”  on statement is 25 days from 
statement’s “Closing Date.”  The amounts paid as part of the 
Minimum  Payment  and  all  amounts  paid  over  the  Minimum 
Payment are applied to balances as permitted by law.  We do 
not charge interest on interest. 

All payments shall be considered made when received on any 
business  day  (excluding  federal  holidays),  when  received  at 
Tinker  Federal  Credit  Union’s  billing  address:  P.O.  Box 
45750, Tinker AFB, OK 73145, and when accompanied by the 
return portion of the cardholder statement 

the  Fair  Credit  Billing  Act,  your 

CREDIT CARD LOSS OR FRAUDULENT TRANSFERS 
Under 
liability  for 
unauthorized use of  your card is capped at $50.  However, if 
you report the loss of your card before your credit card is used, 
you are not responsible for any charges you did not authorize.  
Likewise, if you exercise reasonable care in safeguarding your 
card from loss or theft and promptly report any loss or theft of 
your card to TFCU you have ZERO liability.  TFCU must be 
notified  of  loss,  theft,  or  possible  unauthorized  use  of  the 
credit  card  by  notification  in  person,  by  calling  (405)  732-
0324, option 6, or 1-800-456-4828, option 6, or by writing to 
TFCU  at  P.O.  Box  45750,  Tinker  AFB,  Oklahoma  73145, 
Attn: Credit  Card Department.  If  your credit card  number  is 
stolen, but not the card, you are not liable for any unauthorized 
use.  If you dispute any transaction, while we investigate, you 
must  timely  pay  other  amounts  owing,  including  finance 
charges on the disputed amount.   

ATTORNEY’S FEES 

Cardholder  agrees  to  pay  all  reasonable  costs  of  collection 
including  reasonable  attorney’s  fees  not  in  excess  of  fifteen 
percent (15%) of the unpaid debt, court costs, and other lawful 
charges  incurred  by  the  Credit  Union  in  collecting  the 
Cardholder’s indebtedness, whether or not suit is brought. 

DISCLAIMER OF LIABILITY 
The  Credit  Union  shall  not  be  responsible  if  a  merchant  or 
financial institution shall refuse to honor any card.  Refusal to 
honor shall not affect or impair the obligation of cardholder to 
pay all sums due on an account in accordance with the terms 
hereof.    Notices  hereunder  shall  be  effective  only  if  given  in 
writing  to  Credit  Union  at  its  office  and  to  cardholder  at  my 
last  known  mailing  address,  as  shown  on  Credit  Union’s 
records.  

OWNERSHIP OF CREDIT CARDS 
Card(s)  shall  at  all  times  remain  the  property  of  the  Credit 
Union; the cardholder agrees to surrender them upon demand.  
The Credit Union may revoke the credit cards and cancel my 
line  of  credit  if  issuer  reasonably  believes  prospects  of 
repayment  are  impaired,  then  the  unpaid  balance  becomes 
immediately due and payable at once and my line of credit is 
cancelled.    If  Credit  Union  revokes  the  credit  cards  and 
cancels  the  credit  line,  this  does  not  affect  cardholder’s 
obligations to repay the Credit Union.  Cardholder may cancel 
account  by  written  notice  and  return  of  the  cut  cards  to  the 
Credit Union’s Credit Card Department. 

AMENDMENT 
I agree that the terms of the Agreement are applicable to any 
cardholder. I also agree that the Credit Union may change the 
terms  of  the  Agreement  at  any  time  with  written  notice 
required  by  law  before  the  change  becomes  effective.    Any 
changes  to  the  Agreement  may  apply  to  all  outstanding 
indebtedness incurred before, on, or after the effective date of 
the  changes.    Cardholder’s  failure  to  terminate  the  account 
prior  to  the  effective  date  of  an  Amendment  shall  constitute 
acceptance of such Amendment.  To terminate the account, all 
credit cards  must be returned to Tinker Federal Credit Union 
Credit Card Department and the cardholder will be required to 
pay  the  account  in  accordance  with  the  terms  of  the 
Cardholder Agreement and Disclosure Statement. 

CHOICE OF LAW 
I  acknowledge  and  understand  that  the  obligations  under  this 
Agreement  represented  by  charges  to  my  account(s)  were 
contracted for and became binding when the sales drafts, card 
slips or other credit devices were accepted by the Credit Union 
and caused the holder of the same to be paid, and this occurred 
in  Oklahoma  County,  and  the  courts  of  Oklahoma  County 
shall  have  venue  to  try  controversies  arising  out  of  this 
agreement.  If any portion of the Agreement is determined to 
it  will  not  make  any  other  part 
be  unenforceable, 
unenforceable. 

IRREGULAR PAYMENT: DELAY IN ENFORCEMENT 
The Credit Union can accept late payments, partial payments, 
checks  and  money  orders  marked  “Paid  in  Full”  or  language 
having the same effect without losing any of the cardholder’s 
rights under this Agreement.  The Credit Union can also delay 
enforcing  our  rights  under  this  Agreement  any  number  of 

3 

 
 
  
 
 
 
 
 
 
 
 
 
 
times without losing them.  The fact that the Credit Union may 
honor a purchase or cash advance in excess of the credit limit 
does not obligate the Credit Union to do so thereafter.   

EVENTS OF DEFAULT 
I will be in default under this Plan and Agreement if any of the 
following events shall occur:  
(a)  If  I  fail  to  comply  with  the  minimum  payment  or  any 
other  terms  or  conditions  of  this  Agreement  I  may  have 
with you; 

(b)  If I should die or become insolvent; 
(c)  If a petition should be filed or other proceeding should be 
started  under  the  Federal  Bankruptcy  Code  or  any  State 
insolvency Statute by or against me; 

(d)  If  a  receiver  should  be  appointed  or  a  writ  or  order  of 
attachment, levy or garnishment should be issued against 
me or any of my property, assets or income;  

(e)  If  Credit  Union  should  consider  itself  or  any  debts  due 
under this Agreement unsafe or not completely secure or 
if  Credit  Union  should  believe,  in  good  faith,  that  the 
chances of my paying or performing all of my obligations 
under this Agreement have been impaired; or 

(f)  If  anything  in  the  application  or  use  of  this  card  is 
misrepresented or used for any fraudulent purchase. 

ENTIRE BALANCE DUE 
If any of the above events of default should occur,  my entire 
outstanding  balance  shall  immediately  become  due  and 
payable, without Credit Union notifying me, with interest due 
on  the  balance  at  the  applicable  APR  as  provided  herein  per 
year  until  paid,  and  Credit  Union’s  obligations  to  honor  my 
use  of  the  card  to  get  credit  extensions  from  anyone  or  to 
make  further  advances  to  me  shall,  at  Credit  Union’s  option, 
and  without  notice,  immediately  end.    If  I  fail  to  pay  the 
outstanding balance immediately, on Credit Union’s demand, I 
agree  to  pay  all  of  Credit  Union’s  collection  expenses, 
including Credit Union’s reasonable attorney’s fees. 

ILLEGAL TRANSACTIONS 
A  credit  card  may  not  be  used  for  an  illegal  transaction.  
Certain  transactions  are  prohibited  from  being  processed 
through  your  account  with  the  Credit  Union  under  the 
Unlawful  Internet  Gambling  Enforcement  Act  of  2006  (“the 
Act”)  and  related  regulations  issued  by  the  Board  of 
Governors  of  the  Federal  Reserve  System  and  the  United 
States  Department  of  the  Treasury  (“Regulation  GG”).    The 
Credit  Union  is  required  by  the  Act  and  Regulation  GG  to 
inform you of this restriction. 

The  transactions  which  are  prohibited  are  the  following 
transactions  or  transmittals  involving  any  credit,  funds, 
instrument,  or  proceeds  that  the  Act  prohibits  any  person 
engaged in the business of betting or wagering (except for the 
activities of a financial transaction provider, or any interactive 
computer  service  or 
from 
knowingly  accepting,  in  connection  with  the  participation  of 
another person in unlawful Internet gambling: 

telecommunications  service) 

■ Credit, or the proceeds of credit, extended to or on behalf of 
such  person  (including  credit  extended  through  the  use  of  a 
credit card); 

■  An  electronic  fund  transfer,  or  funds  transmitted  by  or 
through a money transmitting business, or the proceeds of an 
electronic fund transfer or money transmitting service, from or 
on behalf of such other person; and 
■ Any check, draft, or similar instrument that is drawn by or 
on behalf of such other person and is drawn on or payable at 
or through any financial institution. 

Internet  gambling  will  generally  be  deemed  to  be  unlawful 
unless  it  is  expressly  authorized  by  license  issued  by  an 
appropriate State or Tribal authority. 

CREDIT INVESTIGATION 
Since  Credit  Union  has  the  sole  right  to  approve  my 
application  and  allow  me  to  use  the  card(s)  now  and  in  the 
future,  I  authorize  Credit  Union  at  any  time  to  make  or  have 
made  whatever  credit  investigation  Credit  Union  feels  is 
proper  to  evaluate  my  credit,  personal  or  financial  standing 
and /or employment, and I authorize Credit Union to share my 
credit experience  with credit  bureaus.  I also agree to furnish 
Credit  Union  current  financial  statements  in  such  details  as 
Credit  Union  may  require  on  an  annual  basis  and  more 
frequently at Credit Union’s request. 

For the purpose of the following sections only, “You”/”Your” 
means  all  persons  who  have  signed  the  application  for  Visa 
Gold  and  used  or  permitted  others  to  use  the  card;  and 
“Us”/”We”  means  Tinker  Federal  Credit  Union  of  PO  Box 
45750, Tinker Air Force Base, Oklahoma 73145. 

YOUR PERSONAL IDENTIFICATION NUMBER 
Within  the  next  few  days,  you  will  be  receiving  a  Personal 
Identification  Number  (PIN).    This  personal  identification 
number is being assigned to your account to allow you access 
to  ever-expanding  networks  of  automated  teller  machines 
(ATMs)  in  this  area,  across  the  country,  and  overseas.  
Because  each  ATM  is  slightly  different,  simply  insert  your 
card  in  the  slot  and  follow  the  directions  that  will  appear  on 
the  screen.    Some  important  directions  will  come  with  the 
identification  number,  and  we  ask  that  you  follow  those 
instructions  carefully  to  protect  your  card  from  unauthorized 
use.   

and 

automatically  update  your 

AUTOMATIC UPDATE SERVICE 
As part of the services provided by VISA, VISA now requires 
card  issuers  to  participate  in  the  VISA  Automatic  Updater 
(“VAU”) services. VISA will monitor changes to your account 
information 
account 
information, if changes to your account are detected by VISA. 
The  auto-updated  information  may  include  a  change  in  your 
name, card account number, and other important and relevant 
impacting  your  card  account  and  potential 
information 
activity;  this  will  allow  you  to  continue  to  use  your  card 
without interruption. If you do not want your information to be 
automatically  updated  by  VISA,  then  please  contact  us  to 
discuss options. 

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. 

4 

 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
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 
Tinker  Federal  Credit  Union,  P.O.  Box  45750,  Tinker  AFB, 
Oklahoma 73145, Attn: Credit Card Department. 

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.    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 
those 
organizations know when the matter has been settled between 
us. 

let 

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: 

Tinker Federal Credit Union 
P.O. Box 45750 
Tinker AFB, OK  73145 
Attn: Credit Card Department 

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  any  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent.   

5