against future purchases and cash advances, or if it is $1 or more,  
refund it on your written request or automatically after 6 months.

14.  Merchant Disputes: The Credit Union is not responsible for the refusal 
of any merchant or financial institution to honor the card. The Credit 
Union is subject to claims and defenses (other than tort claims) arising 
out of goods or services you purchase with the card if you have made 
a good faith attempt but have been unable to obtain satisfaction from 
the merchant or service provider, and (a) your purchase was made in 
response to an advertisement the Credit Union sent or participated in 
sending to you; or (b) your purchase cost more than $50 and was made 
in your state or within 100 miles of your home.

15.   Foreign Transactions: Purchases and cash advances made in foreign 
countries and foreign currencies will be billed to you in U.S. dollars.  
The exchange rate for transactions in a foreign currency will be the rate 
selected by Visa from the 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 currency conversion rate 
used on the processing date may differ from the rate that would have 
been used on the purchase date or cardholder statement posting date.

16.  Changing or Terminating Your Account: The Credit Union may change 
the terms of this Agreement from time to time after giving you any advance 
notice required by law. Your use of the card after receiving notice of a 
change will indicate your agreement to the change. To the extent the 
law permits, and indicated in the notice to you, the change will apply to 
your existing account balance as well as future transactions.

Either the Credit Union or you may terminate this agreement at any 
time, but termination by you or the Credit Union will not affect your  
obligation to pay the account balance plus any finance charges and 
other charges you owe under this Agreement. The cards you receive 
remain the property of the Credit Union and you must recover and  
surrender to the Credit Union all cards upon request or upon termination 
of this Agreement whether by you or the Credit Union. Failure to  
surrender your cards will result in a card recovery fee of $50 each, 
should you attempt to use the cards.

17.  Copies of Documentation: You will be charged a fee for each copy of 
a draft or monthly statement that you request from us. The fee will be 
handled by the Credit Union as an adjustment to the account balance, 
not as a purchase and may not be charged a Finance Charge.

18.  Effect of Agreement/Waiver: 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. The Credit Union can delay enforcing any of its rights 
any number of times without losing them.

19.  Statements and Notices: You will receive a statement each month 
showing transactions on your account. You are responsible for your 
minimum monthly payment even in the event your statement is late or 
returned to the Credit Union. Statements and notices will be mailed to 
you at the most recent address you have given the Credit Union.  
Notice sent to any one of you will be considered notice to all.

20.  Additional Benefits/Card Enhancements: The Credit Union may from 

time to time offer additional services to your Account 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.

21.  Security Interest: If you give the Credit Union a specific pledge of  

savings by signing a separate pledge of savings for this account, your 
account will be secured by your pledged savings. To secure your 
account you grant us a purchase money security interest under the 
Uniform Commercial Code in any goods you purchase through the 
account. If you default, we will have the right to recover any of these 
goods that have not been paid for through our application of your  
payments in the manner described above. Collateral securing other 
loans with us may also secure this account.

22.  Your Billing Rights—Keep This Notice For Future Use: This notice 

contains important information about your rights and our responsibilities 
under the Fair Credit Billing Act.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dis-
pute or errors need to be put in writing and sent to: DuPage Credit Union, 
ATTN: Card Services, PO Box 3930, Naperville, IL 60567. You can telephone 
us, but doing so will not preserve your rights. You may also contact us 
on the web: dupagecu.com sending a secure email by logging into your 
account on Online Banking at dupagecu.com. 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.

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 incorrect.

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 delin-

quent 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 is 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 pur-
chase, contact us in writing at: DuPage Credit Union, ATTN: Card Services, 
PO Box 3930, Naperville, IL 60567.

While we investigate, the same rules apply to the disputed amount as dis-
cussed 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.

USA PATRIOT ACT. Pursuant to requirements of law, including the USA 
Patriot Act, DuPage Credit Union is obtaining information and will take 
necessary actions to verify your identity. Pursuant to the FACT Act address 
changes will only be accepted via in person and by mail with proper Credit 
Union verification.

State laws require the following notices: California Residents: Regardless  
of your marital status, you may apply for credit in your name only. Ohio 
Residents: Ohio anti-discrimination laws require creditors to make credit 
equally available to all creditworthy customers and that credit reporting 
agencies maintain separate credit histories on each individual upon request. 
The Ohio Civil Rights Commission administers these laws. Married Wisconsin 
Residents: No provision of any marital property agreement, unilateral 
statement, or court order applying to marital property will adversely affect 
a creditor’s interest unless, prior to the time credit is granted, the creditor is 
furnished with a copy of the agreement, statement or court order, or has 
actual knowledge of the provision.

You acknowledge that you have received a copy of this Agreement that 
contains the Credit Union’s terms and conditions by signing or using the 
issued card(s).

Information about the costs of the Credit Card Account described in this 
disclosure is accurate as of January 28, 2018. This information may have 
changed after this date. To find out what may have changed, please write  
to us at DuPage Credit Union PO Box 3930, Naperville, Illinois 60567-3930.

REV 01/18

DuPage Credit Union
Visa® Platinum Advantage
Truth-In-Lending Terms and Conditions

In this Agreement the words you and your mean each and all of those who 
sign or use the issued Visa Card. Card means a Visa Credit Card and any 
duplicates and renewals the Credit Union issues. Account means your Visa 
Credit Card line of credit account with the Credit Union. Credit Union, we, 
us, and our means the Credit Union whose name appears in this Agreement.

1.  Using the Account/Credit Limit: You are approved for a Visa account. 

Signing and using your DuPage Credit Union Visa Card signifies acceptance 
of the following terms and conditions. You agree not to let your account 
balance exceed your approved credit limit. Each payment you make on 
the account will restore your credit limit by the amount of the payment 
which is applied to the principal amount of purchases and cash advances. 
You may request an increase in your credit limit by making a request to 
the Credit Union. The Credit Union has the right to reduce or terminate 
your credit limit at any time.

2.  Responsibility: You agree to pay all charges (purchases, balance transfers 
and cash advances) to your Account that are made by you or anyone 
whom you authorize to use your Account. For example, you are respon-
sible for charges made by yourself, your spouse and minor children. You 
are responsible for charges made by anyone else to whom you give the 
card, and this responsibility continues until the card is recovered. You 
cannot disclaim responsibility by notifying us, but we will close the  
account for new transactions if you so request and return all cards. If 
either party closes the account, the credit card(s) must be surrendered 
to the Credit Union. Should unauthorized use occur after the account is 
closed, the card will be picked up by a merchant, and you will be responsible 
for each $50 card recovery fee. Your obligation to pay the account 
balance continues even though an agreement, divorce decree or other 
court judgment to which we are not a party may direct you or one of 
the other persons responsible to pay the account. 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 re-
quire 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 to all of you.

3.  Variable Annual Percentage Rate: Your standard variable Annual Per-

centage Rate (APR) for purchases, balance transfers and cash advances 
may increase or decrease quarterly. For each quarter, we determine 
the APR by adding a margin to the U.S. Prime Rate published in the Wall 
Street journal the last business day of the previous calendar quarter. When 
a change in the Prime Rate occurs, the resulting new APR’s will apply to 
balances on your account starting with your next monthly billing cycle.

4.  Liability For Unauthorized Use/Lost Card Notification: You agree to  

notify us immediately, orally or in writing of the loss, theft or unauthorized 
use of your Credit Card. If your credit card is lost or stolen, you must 
notify us in writing at the address below or phone us. For stolen cards,  
include a copy of the police report. You will have no liability for unauthorized 
transactions made with your credit card, unless you are grossly negligent in 
handling of your card. This additional limit on liability does not apply to ATM 
transactions, which are not processed by Visa, or to commercial cards.

DuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 
60567-3930, Telephone Number 800-323-2611

5.  Monthly Payment: Each month you must pay at least the minimum  
payment shown on your statement within 25 days of the statement 
closing date. You may, of course, pay more frequently, pay more than 
the minimum payment, or pay the Total New Balance in full. If you make 
extra payments or larger payments, you are still required to make at least 
the minimum payment each month your account has a balance. The 
minimum payment is 2% of the Total New Balance but not less than 
$25.00, plus the amount of any prior minimum payments that you have 
not paid. In addition, at any time your Total New Balance exceeds your 
credit limit, you must immediately pay the excess upon demand. If your 
account is subject to a Balance Transfer Fee, the fee as disclosed will 
be charged to your account in the month that the Balance Transfer is 
completed. This may increase your minimum monthly payment during 
the month that the Balance Transfer Fee is assessed.

6.  Payment Allocation: Subject to applicable law, your minimum payment 

amount may be applied to what you owe the Credit Union in the following 
order: Finance charges, fees, previous promotional balance, balance 
cash, balance retail, cycle-to-date promotional, cycle-to-date cash, cycle-
to-date retail. Any payment amount in excess of the minimum will be 
applied first to the card balance bearing the highest rate of interest, and 
then to each successive balance bearing the next highest rate of interest. 
If two or more balances have the same rate of interest, the older balance 
is paid first, until the payment is exhausted.

7.  Finance Charges: In order to avoid a finance charge on Purchases made 
since your last statement date, you must pay the Total New Balance shown 
on your statement within 25 days of the statement closing date. Other-
wise, finance charges on purchases are calculated from the beginning of 
the next statement period on previously billed but unpaid purchases and 
on new purchases from the date they are posted to your account. Cash 
advances are always subject to finance charge from the date of transaction. 
We figure the finance charge separately for purchases and cash advances 
on your account by applying the applicable periodic rate set forth below 
to the “average daily balance” of purchases (including current transac-
tions), and to the “average daily balance” of cash advances (including 
current transactions). To get each “average daily balance”, we take the 
beginning balance each day, add any new purchases (if calculating the 
“average daily balance” for purchases), add any new cash advances (if cal-
culating the “average daily balance” for cash advances), and subtract any 
payments or credits. This gives us the daily balance. Then, we add up all 
the daily balances for the billing cycle and divide the total by the number 
of days in the billing cycle. This gives us the “average daily balance.”

8.  Other Fees and Charges: Other fees and charges that will be added are 

as shown in the table to the right.

9.  Cash Advance/Balance Transfer Information: Cash Advances/Balance 
Transfers are not subject to a grace period. DuPage Credit Union is not 
responsible for any merchant delays in processing transactions. Cash 
Advances/Balance Transfers cannot be used to pay other DuPage Credit 
Union obligations. The Credit Union reserves the right to place a maxi-
mum limit for daily cash advance transactions. Accounts will be limited 
to two (2) cash advance transactions per 24 hour period. Cash Advances 
performed through an ATM have a daily maximum limit of $500 and will 
be limited to two (2) per 24 hour period.

Cash Advance Fee: The fee will be added to the appropriate advance 
balance with the cash advance. (The amount of the cash advance may 
include a surcharge that the ATM owner imposes.)

Visa® Platinum Advantage

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases

Annual Percentage Rate (APR)  
for Balance Transfers

APR for Cash Advances

0% Introductory APR for 12 billing cycles from the date of  
account opening on qualifying purchases posted within the  
first 90 days of account opening. After that, your APR will be 
11.75% to 19.75% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

0% Introductory APR on balance transfers requested within the 
first 12 months of account opening.

OR
3.9% Introductory APR on balance transfers requested within the 
first 12 months of account opening.
This will be the rate for the next 12 months of each balance 
transfer. After that, your APR will be 13.75%-21.75% based on 
your creditworthiness. This APR will vary with the market based 
on the Prime Rate.

13.75% to 21.75%
The rate you qualify for is based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest  
on Purchases

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.

Minimum Interest Charge

None

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.

Fees

Annual Fee

Transaction Fees

• Balance Transfer 

• Cash Advance 

• Foreign Transaction

Penalty Fees

• Late Payment
• Over-the-Credit-Limit
• Returned Payment

Other Fees

None

Introductory fee of $5 or 3% of the amount of the transaction, 
whichever is greater during the first 12 months with 0% introductory 
APR. After that, or if 3.9% APR is chosen, None.

3% of the Cash Advance including Convenience Checks unless 
otherwise disclosed ($5 minimum/$50 maximum fee)
None

Up to $25
None
Up to $25

• Returned Convenience Check
• Expedited Card Delivery
• Card Replacement Fee

$25
$30
$10

How We Will Calculate Your Balance: We use a method called “average 
daily balance (including new purchases).” If you are a current Visa Rewards 
cardholder, by switching to a Visa Advantage Card you will forfeit any current 
Choice Rewards Points. Current DuPage Credit Union Credit Cardholders 
do not qualify to transfer their current outstanding balance from one DuPage 
Credit Union Credit Card to another DuPage Credit Union Credit Card at the 
introductory promotional rate. 

If an introductory balance transfer APR is not selected at the time of account 
opening, the 3.9% APR will be set as the balance transfer introductory APR.

Balance Transfers: If the total amount you request exceeds your total credit 
line, we may send full or partial payment to your creditors in the order 
you provide them to us. Balance Transfers incur interest charges from the 
date of the transaction. Allow at least 2 weeks for processing. If you have a 
dispute with a creditor and pay that balance by transferring it to your new 
account, you may lose certain billing rights. Balance Transfers may not be 
used to pay off or down any account issued by DuPage Credit Union.

10.  Current DuPage Credit Union Visa Platinum Rewards Cardholders: 

Upon signing an application for a DuPage Credit Union Platinum Advantage 
Visa Credit Card, you agree to forfeit all unused Choice Rewards Points.

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 which 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 
notice. If immediate payment is demanded, you will continue to pay 
finance charges and fees until what you owe has been paid, and any 
savings that were given as security will be applied towards what you 
owe. We may enter into a contingent or hourly fee arrangement with 
an attorney and/or collection agency to collect the amounts you owe 
us and you agree that such arrangement is reasonable. This provision 
also applies to bankruptcy, appeals or post-judgment proceedings. You 
promise to pay all costs of collecting the amount you owe if your Visa 
account is in default. These costs will include reasonable attorney fees, 
court costs and/or collection agency fees and all other costs permitted 
under state law and regulation. If your account is charged off all bal-
ances will revert to the highest APR on the account.

12.  Using the Card: You may use the card issued to you to make purchases 
in person, and by mail or telephone from merchants and others who 
accept credit cards. In addition, you may obtain cash advances from 
the Credit Union, from other financial institutions participating in the 
Visa program, and from auto¬mated teller machines (ATM’s), such as 
Visa ATM network, that provide access to the Visa system. (Not all ATM’s 
provide such access.) You will need to use your Personal Identification 
Number (PIN) to obtain a cash advance from an ATM.

Illegal Transactions: You will not use your DuPage Credit Union Visa 
Credit Card for any illegal transaction.

Internet Gambling: You may use your card to purchase goods and 
services from participating merchants. However, you may not use your 
card to initiate any type of electronic gambling transaction through the 
Internet. Also, you agree that you will not use your card for any transac-
tion that is illegal under applicable federal, state, or local law.

13.  Returns and Adjustments: Merchants and others who honor the Card 
may give credit for returns or adjustments. If your credits and payments 
exceed what you owe us, we will hold and apply this credit balance