CONSUMER 
CREDIT CARD 
AGREEMENT
AND 
DISCLOSURE

VISA SIGNATURE (NON-VARIABLE) 
VISA PLATINUM (NON-VARIABLE) 
SHARE SECURED VISA CLASSIC (FIXED) 

This  Consumer  Credit  Card  Agreement  and  Disclosure  together  with  the  Credit  Card  Account  Opening  Disclosure  and 
any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter 
collectively referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and 
“Credit Union” refers to San Diego County Credit Union (SDCCU®) with which this Agreement is made. “You,” “Your,” and 
“Yours”  refers  to  each  applicant  and  co-applicant  for  the  Account;  any  person  responsible  for  paying  the  Account;  and 
anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access 
devices, duplicates, renewals, or substitutions, SDCCU issues to You. "Account" means the line of credit established by 
this Agreement and includes Your Card. 

SECURITY INTEREST 
The following section only applies to the Share Secured Visa Classic (Fixed) card. 

You grant SDCCU a security interest under the Uniform Commercial Code and under any common law rights SDCCU 
may have in any goods You purchase. 

If You give SDCCU a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure 
Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until 
SDCCU agrees to release all or part of the pledged amount. 

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security are not subject to the security 
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any 
periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a 
covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
not a covered borrower; or (ii) You cease to be a covered borrower. 

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with SDCCU may also 
secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything 
to the contrary in any other Agreement. 

1. CONSENT TO CONTACT — You consent to receiving calls, texts, and other messages from SDCCU for any purpose
(including  account/loan  servicing,  fraud  alerts,  collection,  marketing,  etc.)  on  any  phone  number  provided  or  that  may 
reach You, including via automatic telephone dialing system and/or artificial or pre-recorded voice.  Such consent is not a 
condition of receiving any product or service from SDCCU. 
2. USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms of this Agreement.
You  agree  to  use  Your  Account  in  accordance  with  this  Agreement.  Your  Account  must  only  be  used  for  lawful 
transactions. 
3. CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. You
agree that Your credit limit is the maximum amount (purchases, balance transfers, cash advances, finance charges, plus 
“other charges”) which  You will have outstanding  on  Your Account at any time. SDCCU may, as a courtesy  and at Our 
discretion,  approve  a  charge  that  exceeds  Your  credit  limit.  If  You  exceed  the  credit  limit,  You  promise  to  repay 
immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. 

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved

MXC302-E

 
No over limit fee will be imposed unless You have agreed to such a service. If SDCCU has a program whereby it allows 
payment of advances that exceed Your credit limit, subject to a fee, SDCCU will provide You with notice, either orally, in 
writing, or electronically explaining Your right to opt in to SDCCU’s program whereby it will honor advance requests over 
the credit limit. In the event You opt in to such a program, You agree to the terms of such a program.  You may request a 
credit limit increase on Your Account only by a method acceptable to SDCCU. We may increase or decrease Your credit 
limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law. 
4. REPAYMENT — You promise to repay all amounts You owe under this Agreement. Your promise to repay includes
all  transactions  made  to  Your  Account  by  You  or  anyone  You  authorize  to  use  Your  Account  as  well  as  all  interest 
charges and fees. 
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. 
The Minimum Payment Due is 3.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past 
due  and  any  amount  by  which  You  have  exceeded  Your  applicable  credit  limit.  If  Your  total  New  Balance  is  less  than 
$20.00, then Your Minimum Payment Due is the amount of the total New Balance.  
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full. 
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your 
Account has a balance (other than a credit balance). SDCCU may delay replenishing Your credit limit until the date the 
payment is posted or SDCCU confirms the payment has cleared.  
Your payment of the required Minimum Payment Due may be applied to what You owe SDCCU in any manner SDCCU 
chooses,  as  permitted  by  applicable  law.  If  You  make  a  payment  in  excess  of  the  required  Minimum  Payment  Due, 
SDCCU  will  allocate  the  excess  amount  first  to  the  balance  with  the  highest  annual  percentage  rate  (“APR”)  and  any 
remaining  portion  to  the  other  balances  in  descending  order  based  on  applicable  APR,  unless  otherwise  prescribed  by 
applicable law. We may accept checks marked "payment in full" or with words of similar effect without losing any of Our 
rights to collect the full balance of Your Account with Us.  
INTEREST  AND  FINANCE  CHARGES  —  We  will  begin  charging  You  interest  on  purchases  on  the  date  the
5.
transaction is posted to  Your Account. We will begin  charging  You interest on cash advances and balance transfers on 
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever 
is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or 
credit  balance  at  the  beginning  of  that  billing  cycle,  or  You  paid  the  entire  new  balance  on  the  previous  cycle's  billing 
statement  by  the  Payment  Due  Date  of  that  statement.  To  avoid  an  additional  finance  charge  on  the  balance  of 
purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement. 
How We Calculate Your Balance: 
Interest  charges  on  Your  Account  are  calculated  separately  for  purchases,  balance  transfers  and  cash  advances 
(“Transaction  Type”).  We  figure  the  interest  charge  for  each  Transaction  Type  by  applying  the  periodic  rate  to  each 
corresponding “average daily balance.” To get the “average daily balance” for a Transaction Type We take the beginning 
balance for that Transaction Type each day,  add any new transactions of that type, and subtract  any unpaid interest or 
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type. 
Then,  for  each  Transaction  Type,  We  add  up  all  the  daily  balances  for  the  billing  cycle  and  divide  each  total  by  the 
number of days in the billing cycle. This gives Us the “average daily balance” for each Transaction Type. 
6. FEES  —  In  addition  to  the  periodic  rate,  additional  fees  may  be  imposed  on  Your  Account.  If  applicable  to  Your
Account, the fee amounts and explanations are disclosed on the Credit Card Account Opening Disclosure accompanying 
this Agreement.  
7. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the 
applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated 
rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from 
the rate that would have been used on the purchase date or cardholder statement posting date. 
A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based 
on  the  transaction  amount  after  it  is  converted  to  U.S.  dollars.  These  fees  are  charged  except  where  excluded.  The 
Foreign Transaction Fee is set forth on the Credit Card Account Opening Disclosure accompanying this Agreement.  
8. AUTHORIZATIONS  — We do not guarantee authorization of a transaction,  either by Us or by a  third party, even if
You  have  sufficient  credit  available.  You  agree  that  We  will  not  be  liable  for  failing  to  give  an  authorization.  We  also 
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain 
transactions  for  any  reason  and  at  Our  sole  discretion,  including  for  default,  suspected  fraudulent  or  unlawful  activity, 
internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no 
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We 
may suspend Your credit privileges until We can verify the activity, or We may close the Account. 

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9. PREAUTHORIZED  CHARGES  —  If  You  default,  if  the  Card  is  lost  or  stolen,  or  We  change  the  Account  for  any
reason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are 
responsible  for  making  direct  payment  for  such  charges  until  You  contact  the  third  party  to  reinstate  the  automatic 
charges. 
10. DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment
Due  Date;  pay  by  a  check  or  similar  instrument  that  is  not  honored  or  that  We  must  return  because  it  cannot  be 
processed;  pay  by  automatic  debit  that  is  returned  unpaid;  make  any  false  or  misleading  statements  in  any  credit 
application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this 
Agreement or any other Agreement You have with Us.  
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable 
law.  
Share Secured Visa Classic (Fixed) - In this Agreement and on Your Credit Card Application, You gave Us a security 
interest in all individual or joint share and/or deposit accounts with SDCCU and authorized Us, if You defaulted, to apply 
the balance in these accounts to any amounts due. You agree We may rely on Your agreement and authorization to, upon 
Your default, apply any balance to any amounts due on Your Account.   
11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — If You notice the loss or theft of
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 261209, San 
Diego, CA, 92196-1209 or call Us at (877) 732-2848, seven days a week 24 hours a day. 
You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  You  notify  Us.  You  may,  however,  be  liable  for 
unauthorized  use  that  occurs  before  Your  notice  to  Us.  You  will  have  no  liability  for  unauthorized  use  unless  You  are 
found to be fraudulent or negligent in the  handling  of Your  Account or Card. In  any case,  Your liability for unauthorized 
transactions will not exceed $50. 
12. CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As  permitted  by  law,  SDCCU  may  change  the  terms  of  this
Agreement  and  any  attached  Credit  Card  Account  Opening  Disclosure  from  time  to  time.  Notice  of  any  change  will  be 
given  in  accordance  with  applicable  law.  To  the  extent  permitted  by  law,  changes  to  the  Agreement may  apply  to  Your 
existing account balance as well as to future transactions.  
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either 
You, Your spouse or SDCCU may terminate this Agreement at any time, but termination by You, Your spouse or SDCCU 
will not  affect Your obligation to pay  the account balance plus any finance and  other charges  You or  Your spouse  owe 
under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe under this 
Agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or Cards You 
receive remain the property of SDCCU and You must recover and surrender to SDCCU all Cards upon request or upon 
termination of this Agreement whether by You or SDCCU.  
Residents of all other states - Either You or SDCCU may terminate this Agreement at any time, but termination by You 
or SDCCU will not affect Your obligation to pay the account balance plus any finance and other charges You owe under 
this  Agreement.  Your  obligation  to  pay  the  account  balance  plus  any  finance  and  other  charges  You  owe  under  this 
Agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or Cards You 
receive remain the property of SDCCU and You must recover and surrender to SDCCU all Cards upon request or upon 
termination of this Agreement whether by You or SDCCU. 
13. AUTHORIZED  USERS  —  Upon  Your  request,  We  may  issue  additional  Cards  for  authorized  users  that  You
designate.  You  must  notify  Us  in  writing  of  any  termination  of  an  authorized  user's  right  to  access  Your  Account.  Your 
notice must include the name of the authorized user and Your Account number and/or any subaccount number issued to 
the  authorized  user  along  with  the  authorized  user's  Card  and  any  convenience  or  other  access  checks  issued  to  the 
authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to be 
closed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion, 
issue You a new Account number and a new Card. 
14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION — You authorize SDCCU to obtain credit reports
and any other information We may need to verify Your identity and use of the Account when opening Your Account and 
for  any  update,  increase,  renewal,  extension,  collection  or  review  of  Your  Account.  You  authorize  SDCCU  to  disclose 
information regarding Your Account to credit bureaus and creditors who inquire about Your credit standing. We may report 
information about Your Account to credit bureaus. Late payments, missed payments, or other defaults on Your Account 
may be reflected on Your credit report. 
15. JOINT ACCOUNTS — If this is a joint Account, each of You will be individually and jointly responsible for paying all
amounts owed under this Agreement. This means that SDCCU can require any one of You individually to repay the entire 
amount  owed  under  this  Agreement.  Each  of  You  authorizes  the  other(s)  to  make  transactions  on  the  Account 
individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
16. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on Your Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms. 

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17. SEVERABILITY AND FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of
Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any 
part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and 
fully enforceable to the fullest extent possible under this Agreement. Any term or provision herein that is prohibited by 
the Military Lending Act shall not apply to You if You are a covered borrower under the Military Lending Act, in 
which  case  such  provisions  shall  be  deemed  severed  from  this  Agreement,  including  without  limitation 
paragraph 24 . For clarity, You will not be deemed a covered borrower, and such terms and provisions will apply, 
if:  (i) You established Your credit card Account when You were not a covered borrower; or (ii) You cease to be a 
covered borrower. 
18. ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law. 
Even  if  You  use  Your  Card  for  an  illegal  transaction,  You  will  be  responsible  for  all  amounts  and  charges  incurred  in 
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is 
illegal. 
19. APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of
California. 
20. ENFORCING  THIS  AGREEMENT  —  We  can  delay  in  enforcing  or  fail  to  enforce  any  of  Our  rights  under  this
Agreement without losing them. 
21. COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You
are  liable  for  any  reasonable  attorney’s  fees  We  incur,  plus  the  costs  and  expenses  of  any  legal  action,  as  further 
disclosed on this Agreement, or to the extent allowed by law. 
22. ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party.
23. OVERDRAFT  PRIVILEGE  —  You  agree  that  if,  pursuant  to  any  overdraft  privilege  on  a  Credit  Union  Share  Draft
Account,  there  is  an  overdraft  of  Your  Share  Draft  Account,  the  amount  of  overdraft  will  be  added  to  the  outstanding 
balance  on  Your  Visa  Credit  Card  Account,  subject  to  the  finance  charge  provisions  set  forth  in  “INTEREST  AND 
FINANCE CHARGES” as described for cash advances, and will be subject to all terms and conditions of this Agreement. 
The  Visa  Credit  Card  Account  must  be  current  and  not  over  the  credit  limit  for  funds  to  transfer  to  the  Share  Draft 
Account. Overdrafts are not allowed for the purpose of making loan payments, including  Visa Credit Card payments, at 
SDCCU,  ATM  or  in-branch  teller  cash  withdrawals.  The  Share  Draft  Account  referred  to  herein  is  also  subject  to  a 
separate  agreement  between  You  and  SDCCU.  Where  the  terms  of  any  other  agreement  between  You  and  SDCCU 
conflict with the terms of this Agreement, the terms of this Agreement will control. 
24. ARBITRATION  —  Unless  prohibited  by  applicable  law,  You  and  We  agree  that  any  and  all  claims  arising  from  or
relating  to  this  Agreement  and/or  any  loan  or  service  provided  by  Us  shall  be  subject  to  binding  arbitration  under  the 
Federal  Arbitration  Act  (“FAA”).  Subject  to  the  exclusions  specifically  identified  below,  this  includes  all  claims,  including 
those based on contract, tort, equity, statute, or otherwise, as well as claims regarding the scope and enforceability of this 
provision. It includes all claims by or against You, Us, and/or any others providing or receiving any loan or service related 
to  this  Agreement.  We  agree  that  this  Agreement  affects  or  involves  interstate  commerce.  Specifically  excluded  from 
arbitration are self-help remedies, such as repossession, and claims subject to the jurisdiction of small claims court.  
A  single  Arbitrator  shall  decide  all  claims  subject  to  this  provision  and  shall  render  a  final,  written  decision.  You  may 
choose the American Arbitration Association (“AAA”), Judicial Arbitration and Mediation Service (“JAMS”), or other similar 
arbitration service provider acceptable to Us to administer the arbitration. Consistent with the FAA, the appropriate AAA 
rules, JAMS rules, or other service provider rules shall apply, as determined by the Arbitrator. For AAA and JAMS, these 
rules are found at www.adr.org and www.jamsadr.com. Unless otherwise agreed by the parties, the arbitration shall take 
place within San Diego County.  
Each party to the arbitration shall pay his, her, or its own costs of arbitration. If You cannot afford the arbitration costs, You 
may apply for a waiver under the relevant arbitration rules. If the arbitration service provider does not waive Your costs of 
arbitration, We will consider paying all or a portion or Your costs of arbitration if You can establish that You cannot afford 
them.  
The parties waive any right to bring representative claims on behalf of a class of individuals, on behalf of the public, as a 
private attorney general, or otherwise (the “class action waiver”). Except for this class action waiver, this provision should 
be severed or modified if necessary to render it enforceable. 
25. CALIFORNIA RESIDENTS — A married applicant may apply for a separate Account. Applicants: 1) may, after credit
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any 
joint applicant. As required by  law,  You are  hereby  notified  that a negative credit report reflecting on  Your  credit record 
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.  
If You  are  a California resident, Our right to recover  any credit extended  through the use of  Your credit card in making 
purchases from a retailer is subject to good faith defenses which You have properly asserted as a buyer under California 
law against the retailer from whom the cardholder made the purchases if: (a) the purchase price at the time as to which a 

Page 4 of 6

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defense is asserted exceeds $50; (b) the purchase  was made within the state of  California or if outside California, then 
within 100 miles of Your current designated address in California; (c) You have made a written demand upon the retailer 
with respect to the purchase and attempted in good faith to obtain reasonable satisfaction from the retailer; and (d) You 
have not already paid the entire amount of the charge by paying Your credit card balance down to zero, (e) You give Us 
written  notice  specifying  the  retailer,  the  date  of  purchase,  the  purchase  price,  the  goods  or  services  purchased,  the 
nature of Your defense with respect to the transaction, as well as the action which You have taken in attempting to obtain 
satisfaction from the retailer. 
26. FLORIDA RESIDENTS — You (borrower) agree that, should We obtain a judgment against You, a portion of
Your disposable  earnings may be  attached or garnished (paid to Us by Your employer), as provided by Florida 
and Federal law. 
27. MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 
28. MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect 
You  (borrower(s))  and  Us  (creditor)  from  misunderstanding  or  disappointment,  any  Agreements  We  reach 
covering  such  matters  are  contained  in  this  writing,  which  is  the  complete  and  exclusive  statement  of  the 
Agreement between Us, except as We may later agree in writing to modify it.  
29. NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review,
modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such 
report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York 
residents  may  contact  the  New  York  State  Banking  Department  at  800.342.3736  or  www.dfs.ny.gov  to  obtain  a 
comparative listing of credit card rates, fees and grace periods.  
30. OHIO RESIDENTS — The Ohio laws against discrimination require that all creditors 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 compliance with this law. 
31. SOUTH  DAKOTA  RESIDENTS  —  If  You  believe  there  have  been  any  improprieties  in  making  this  loan  or  in  the
lender’s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, 
SD 57501, or by phone at 605.773.3421. 
32. WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are 
required to inform Your spouse that We have opened an Account for You. 
33. NOTICE  TO  UTAH  BORROWERS  —  This  written  Agreement  is  a  final  expression  of  the  Agreement  between  You
and  SDCCU.  This  written  Agreement  may  not  be  contradicted  by  evidence  of  any  oral  Agreement.  As  required  by  law, 
You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting 
agency if You fail to fulfill the terms of Your credit obligations. 
34. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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Your Billing Rights: Keep this Document for Future Use 
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If You think there is an error on Your statement, write to Us at: 
San Diego County Credit Union, PO Box 261209, San Diego, CA 92196-1209 
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 three business days before an automated payment is scheduled, if You want to stop payment on the amount 

You think is wrong. 

You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required 
to investigate any potential errors and You may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When We receive Your notice, We must do two things: 

1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have

already corrected the error.

2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is

correct.

While We investigate whether or not there has been an error: 

-  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
-  The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. 
-  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance. 
-  We can apply any unpaid amount against Your credit limit.  
After We finish Our investigation, one of two things will happen: 

-  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

-  If  We  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then 
report You as delinquent if You do not pay the amount We think You owe.  

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You 
still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your 
bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations 
know when the matter has been settled between Us. 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill 
is correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in 
good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the 
purchase. 
To use this right, all of the following must be true: 

1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the
purchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on
an advertisement We mailed to You, or if We own the company that sold You the goods or services.)

2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a

check that accesses Your credit card Account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at: 
San Diego County Credit Union, PO Box 261209, San Diego, CA 92196-1209  
While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, 
We will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as 
delinquent. 

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