or  credit  instruments  or  devices  issued  to  you  have  been  canceled 
and/or returned to us and you have paid us all sums due us.
26.  NON-REISSUANCE:  For  security  purposes,  Star  One  Credit  Union 
VISA Credit Cards are reissued every three years. If at the time of reissue 
your VISA Credit Card Account has been inactive for at least 12 months, 
we reserve the right to not reissue you a new Card and may close your 
VISA account.
27. TRANSFER  OF ACCOUNT:  You  cannot  transfer  your  account  to  any 
other person.
28.  ACCELERATION:  If  you  are  in  default  as  provided  above,  or  if  we 
in  good  faith  reasonably  believe  that  the  prospect  of  payment  or 
performance is impaired, amounts you owe us shall, at our option and 
without notice, become immediately due and payable.
29. DELAY IN ENFORCEMENT: We can delay enforcing any right under 
this Agreement without losing that right or any other right.
30.  AMENDMENT:  We  reserve  the  right  to  amend  the  terms  of  this 
Agreement at anytime as permitted by and subject to any limitations and 
notice requirements of applicable law.
31. SEVERABILITY: If any provision of this Agreement is held invalid all 
provisions that are severable from the invalid provision remain in effect.
32.  OWNERSHIP  OF  CARDS:  Any  Card  or  other  credit  instrument  or 
device which we supply to you is our property and must be returned to 
us, or any person whom we authorize to act as our agent, or any person 
who is authorized to honor the Card. The Card may be repossessed at any 
time at our sole discretion without any demand or notice.
33.  PIN  SECURITY:  You  agree  not  to  disclose  or  otherwise  make  your 
Card  or  Personal  Identification  Number  (“PIN”)  available  to  anyone 
without  prior  written  consent.  You  agree  not  to  disclose  or  otherwise 
make  available  your  PIN  to  anyone  not  authorized  to  sign  on  your 
account. For security reasons, please do not write your PIN on your Card 
or keep it in the same location as your Card.
34.  CREDIT  REPORTS  AND  NEGATIVE  INFORMATION  NOTICE:  You 
authorize  us  to  make  or  have  made  any  credit,  employment  and  /or 
investigative inquiry we deem appropriate for the extension of credit or 
collection of amounts owing on the account. We can furnish information 
concerning your account to consumer reporting agencies and others who 
appear  to  have  a  business  need  for  that  information.  Late  payments, 
missed payments, or other defaults on your credit card account may be 
reflected in your credit report.
35.  ADDRESS:  You  agree  to  advise  us  promptly  if  you  change  your 
mailing  address.  We  can  accept  address  corrections  received  from 
the  U.S.  Postal  Service  for  any  authorized  user. All  written  notices  and 
statements from us to you will be sent to your address as it appears on 
our records.
Written notices and inquiries from you to us must be sent to: 

Star One Credit Union 
P.O. Box 3643 
Sunnyvale, California 94088-3643
36.  GOVERNING  LAW:  This  Agreement  will  not  take  effect  until  it  is 
approved by the Credit Union in the State of California. All payments shall 
be made to the Credit Union at the Credit Union’s offices. This Agreement 
shall be governed by the laws of the State of California.
37. PHONE CALLS: In the regular course of our business, we may monitor 
and record phone conversations made or received by our employees. You 
agree that we will have such right with respect to all phone conversations 
between you and our employees, whether initiated by you or any of our 
employees.

YOUR CREDIT CARD 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 the Credit Union address on 
your statement.
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  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 at the above address. 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.

STAR ONE CREDIT UNION

Sunnyvale
1080 Enterprise Way, Suite 150
Sunnyvale, CA 94089
Enterprise Way & 11th Ave.

Cupertino
10991 North DeAnza Blvd.
Cupertino, CA 95014
DeAnza Blvd. & Homestead Road

San Jose
1090 Blossom Hill Road
San Jose, CA 95123
Blossom Hill Road & Almaden Expwy

San Jose
3136 Stevens Creek Blvd.
San Jose, CA95117
Stevens Creek Blvd. & S. Winchester Blvd.

Palo Alto
3903 El Camino Real
Palo Alto, CA 94306
El Camino Real & Ventura Ave.

Administration Building
1306 Bordeaux Dr
Sunnyvale, CA 94089

Mailing Address
Star One Credit Union
P.O. Box 3643
Sunnyvale, CA 94088-3643

Phone Numbers
866-543-5202
408-543-5202

WEB ADDRESS
www.starone.org

VISA Credit Card
Agreement
and
Disclosure
Statement for:
Signature, 
Platinum Rewards 
& Platinum

STR-1030 (01/2016)

01/2016

VISA CREDIT CARD AGREEMENT

1.  DEFINITION  OF  PARTIES:  This  VISA  Credit  Card  Agreement 
(“Agreement”) covers your VISA Credit Card (“Card”) issued through Star 
One Credit Union. In this Agreement the words “you,” “your,” and “yours” 
include any joint obligator, guarantor, authorized user, or the person whose 
name  is  embossed  on  the  Card. The  words “we,” “us,”  and “our”  mean 
Star One Credit Union.
2. AGREEMENT ACCEPTANCE:  If you sign an application for any account 
under  this  Agreement  or  sign  or  use  any  Card(s)  issued  or  Personal 
Identification  Number  (PIN);  or  allow  others  to  use  the  account,  Card(s) 
or PIN, you and they will have accepted this Agreement just as if you and 
they signed it, and you and they, jointly and severally, will be bound by the 
following terms and conditions.
3.  SIGN YOUR  CARD:  Immediately  sign  the  signature  panel  on  the  back 
of your Card upon receipt. The Card must be signed in order to be valid.
4. VISA CREDIT LINE: We have established and advised you of the “Credit 
Line,”  which  is  the  limit  on  the  total  balance  that  may  be  outstanding  in 
your  account  at  any  one  time. Your VISA  Credit  Line  is  to  be  considered 
a  signature  loan.  The  maximum  signature  limit  cannot  be  exceeded. 
Therefore,  other  outstanding  signature  loans  must  be  taken  into  account 
when  your  VISA  Credit  Line  is  established.  You  agree  not  to  attempt  to 
obtain  more  credit  than  the  amount  of  your  Credit  Line.  However,  if  you 
temporarily  exceed  your VISA  Credit  Line,  you  agree  to  repay  the  excess 
immediately, even if we have not yet billed you. Obtaining such credit does 
not  increase  your  VISA  Credit  Line;  however,  we  can  increase  your  VISA 
Credit Line at our sole discretion.
5. USING YOUR CARD: You may use your account for purchases of services 
and  merchandise  from  participating  merchants  that  honor  your  Card. 
You  may  also  use  your  Card  to  obtain  a  cash  advance  from  participating 
financial  institutions.  Neither  we  nor  any  merchants  authorized  to  honor 
the Card will be responsible for the failure or refusal of anyone to honor the 
Card or any other credit instruments or devices we supply to you.
6.  ILLEGAL  OR  UNLAWFUL TRANSACTIONS:  You  agree  that  you  will  not 
use the Card for any illegal or unlawful transaction, and we may decline to 
authorize any transaction that we believe poses an undue risk of illegality 
or  unlawfulness. You  agree  that  Star  One  Credit  Union  will  not  have  any 
liability, responsibility, or culpability whatsoever for any such use by you or 
any  authorized  user(s). You  further  agree  to  indemnify  and  hold  Star  One 
Credit Union harmless from any suits, liability, damages, or adverse action 
of any kind that results directly or indirectly from such illegal use.
7. ATM ACCESS FOR CASH ADVANCES/ATM CASH ADVANCE LIMITS: Your 
Card and Personal Identification Number (PIN) can be used to obtain cash 
advances from your VISA Credit Card account at Star One Credit Union ATMs 
and  at  other ATMs  in  the VISA ATM  network  and  other  such  machines  or 
facilities  that  we  may  designate.  There  are  no  fees  for  requesting  cash 
advances  on  Star  One  Credit  Union  owned ATMs. There  may  be  fees  for 
cash advances at ATMs owned by other institutions. You may obtain cash 
advances against your account up to a maximum aggregate total of $500 
per day provided sufficient funds are available.
8.  CHECKING  ACCOUNT  OVERDRAFT  COVERAGE:  Your  VISA  Credit  Card 
may  also  provide  Overdraft  Coverage  on  your  Star  One  Credit  Union 
checking  account.  If  you  authorize  us  to  link  your  Credit  Card  account 
to  your  checking  account  for  overdraft  coverage  and  the  balance  in  your 
checking account is not sufficient to pay the transaction amount, we may 
treat the transaction as a request to access your VISA Credit Line. The funds 
may be transferred from your VISA Credit Line into your checking account 
in  $100  increments. These  transfers  will  be  treated  as  cash  advances.  If 
sufficient credit is not available on your VISA Credit Card account to cover 
the amount of the check or other item, we will be unable to initiate a cash 

advance  loan  advance  under  this  Agreement  for  purposes  of  checking 
account overdraft coverage.
(a)   Limit:  Your  Checking  Account  Overdraft  Coverage  limit  will  be  part  of, 
and not in addition to, your total approved Credit Line under this Agreement.
(b)  Liability For Overdrafts Caused by Any Checking Account Signer: You 
understand that if advances are made against your VISA account to cover 
overdrafts to your checking account created by other persons with the 
right to access said checking account, you will be fully liable for such 
advances nonetheless.

9. YOU PROMISE TO PAY: You promise to pay us in United States dollars, 
by  cash,  check  or  money  order  as  provided  by  this  Agreement,  all  such 
amounts, plus Interest Charges, which arise from such use of the Card or 
account  by  you  or  any  other  person,  and  to  be  jointly  and  severally  liable 
with such a person, unless such other person does not have actual, implied, 
or apparent authority for such use, and you received no benefit for the use.
10.  MINIMUM  PAYMENT  REQUIRED:  Minimum  Monthly  Payment.  We 
will mail you a statement every month if your account has a balance. You 
agree  that  you  will  pay  each  month  not  less  than  the  minimum  monthly 
payment  on  or  before  the  scheduled  monthly  due  date.  The  minimum 
monthly  payment  will  be  2.5%  of  your  outstanding  balance  (“New 
Balance”)  or  $20.00,  whichever  is  greater.  If  your  outstanding  balance  is 
$20.00  or  less,  you  agree  to  pay  the  balance  in  full. You  may  pay  in  full 
for  all  your  purchases  and  cash  advances  each  month,  or  you  may 
repay  in  monthly  installments.  We  can  accept  late  payments  or  partial 
payments,  or  checks,  drafts,  or  money  orders  marked  “payment  in  full” 
without  prejudice  to  our  rights  under  this  Agreement,  which  are  hereby 
explicitly  reserved.  A  credit  posting  from  a  merchant  or  reversal  of  fees 
do not constitute a minimum payment. 
11. AUTOMATIC PAYMENT OPTION: If you have elected Automatic Payment 
(or  “AutoPay”),  the  Credit  Union  will  automatically  deduct  and  transfer 
your  monthly  VISA  Credit  Card  payment  from  your  designated  Credit 
Union,  checking  or  savings  account  on  the  scheduled  Payment  Due  Date. 
The Automatic  Payment  Option  is  voluntary,  is  not  a  condition  of  credit  or 
this Agreement  and  can  be  withdrawn  by  you  at  any  time. The Automatic 
Payment option remains in effect until the Credit Union receives notification 
from  you  terminating  the  arrangement. Your  request  for  termination  must 
give the Credit Union reasonable opportunity to act on it.
When  you  elect  AutoPay,  you  agree  that  we  may  adjust  the  automatic 
payment  amount  each  month  to  agree  to  either  the  minimum  monthly 
payment (Required Payment Due) or “Payment in Full” as authorized by you. 
Notification  of  the  varying  payment  amount  due  and  scheduled  payment 
due date will be satisfied by providing you with a monthly billing statement 
reflecting  this  information.  If  sufficient  funds  are  not  available  to  satisfy 
the  total  amount  of  the  payment  when  due;  we  will  take  whatever  funds 
are  available  each  processing  day  between  the  payment  due  date  and 
the  account  cycle  date  until  the  scheduled  payment  is  satisfied.  If  due  to 
insufficient funds we do not transfer funds to make your required VISA Credit 
Card payment, you will be responsible to ensure that the required VISA Credit 
Card payment is made.

Interest  Charges:  The 

total  outstanding  balance  of  purchases, 
12. 
cash,  and  overdraft  advances  in  the  Account  on  the  closing  date  of  any 
Billing  Cycle,  including  any  Interest  Charges,  will  be  shown  on  the 
Periodic Statement for that billing Cycle as the “New Balance.”
(a)  Purchases. An Interest Charge will be imposed on the portion of purchases 
included in the New Balance that remains unpaid within 25 days after the 
closing date. This “grace period” allows you to avoid an  Interest Charge on 
purchases for a billing cycle. However, if you do not pay the New Balance 
for purchases within the grace period, your Interest Charge will accrue on 
any unpaid purchase transactions from the date of purchase.

(b)  Cash/Overdraft Advances An Interest Charge will be imposed on Cash/
Overdraft Advances from the date posted to the account to the date paid.

13. DAILY BALANCE COMPUTATION METHOD: The Credit Union figures the 
Interest Charge on your account by starting with your Daily Balance (excluding 
unpaid Interest Charges) and multiplying that number by the number of days 
during the Billing Cycle during which you had that balance. We do this for each 
balance you have during the Billing Cycle and add up the results. That total 
is the balance used to determine your Interest Charge and is divided by the 
number of days in the Billing Cycle, then multiplied by the Annual Percentage 
Rate  (APR),  then  divided  by  365  days,  and  then  multiplied  by  the  number 
of days in the Billing Cycle to get your Interest Charge for the Billing Cycle. 
Interest Charges start to accrue on loan advances and on purchases from the 
date the loan advance or purchase is posted to your account and your loan 
balance is reduced when the Credit Union receives your payment or enters a 
credit. An Interest Charge will not be imposed on the portion of purchases that 
are paid within 25 days after the closing date.

14.  DAILY  PERIODIC  RATE  AND  Annual  Percentage  Rate: 
VISA Signature Cards - The Daily Periodic Rate used to compute the Interest 
Charge  on  VISA  Signature  Accounts  is  .0239726%  with  a  8.75%  Annual 
Percentage Rate.
VISA  Platinum  Reward  Cards  - The  Daily  Periodic  Rate  used  to  compute 
the Interest Charge on VISA Platinum Reward Accounts is: .0239726% with a 
8.75% Annual Percentage Rate,  .0267123% with a 9.75% Annual Percentage 
Rate, and .0349315% with a 12.75%  Annual Percentage Rate, based on your 
credit qualification.
VISA Platinum Cards - The Daily Periodic Rate used to compute the Interest 
Charge  on  VISA  Platinum  Accounts  is:  .0212329%  with  a  7.75%  Annual 
Percentage  Rate,    .0239726%  with  a  8.75%  Annual  Percentage  Rate, 
.0321918% with a 11.75% Annual Percentage Rate, and .0376712% with a 
13.75%  Annual Percentage Rate, based on your credit qualification.
The applicable Annual Percentage Rate for your account is stated on your VISA 
Credit Card approval letter.
The  Interest  Charge  for  any  Billing  Cycle  will  be  the  sum  of  the  Interest 
Charge for purchases and the Interest Charge for cash advances.
time,  we  may  offer 
15.  PROMOTIONAL  RATES:  From 
Periodic 
promotional 
Rates 
the  Periodic  Rate  and  Annual  Percentage  Rates 
lower 
than 
(“Promotional  Rates”)  stated 
in  this  Agreement.  The  terms  of  any 
promotional  rates  will  be  disclosed  to  you  at  the  time  of  the  promotion 
in  a  separate  addendum  which  will  become  part  of  this  Agreement.  At 
the  end  of  the  promotional  period,  the  Periodic  Rate  and  Annual 
Percentage  Rate  for  your  account  will  be  the  same  terms  as  set 
forth in this Agreement.

to 
Annual 

Percentage 

Rates 

time 

and 

16.  OTHER FEES AND CHARGES:
(a)  Late Payment Charge - If your Minimum Payment is not paid within 10 
days after the Payment Due Date, you will be subject to a $10.00 charge 
or the maximum late charge allowed by applicable law.

(b)  Returned  Payment  -  A  $15.00  charge  will  be  made  for  a  returned 
payment  from  a  member  or  $10.00  if  the  returned  payment  is  from  a 
non-member, regardless of the reason. 

(c)  Research  and  Copying  -    If  you  ask  us  to  examine  your  account  or 
provide copies of documents, except in resolution of a billing error, we 
may charge you $3.00 for each statement copy and a $28.00 charge per 
hour may be imposed for the time we spend to research your account.

(d)  Annual Membership Fee - None
(e)  ATM  Fees  -  If  you  use  an ATM  to  obtain  a  cash  advance  and  the ATM 
is  not  operated  by  us,  you  may  be  charged  an  ATM  surcharge  by  the 
ATM  operator  or  an  ATM  network  utilized  for  such  a  transaction.  The 
ATM  surcharge  may  be  charged  to  your  account  if  you  complete  the 
transaction.
 Replacement Card Fee. If you request a replacement card, you agree the 
1st request per year is free and all subsequent requests are $5.00.

f) 

g)  Currency Conversion. 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® for the processing cycle in which the 
transaction is processed. The currency conversion rate used by VISA® on 
the processing date may differ from the rate that would have been used 
on the purchase date or card holder statement posting date. The Credit 
Union has no control over the conversion rate.

17. PAYMENTS: We will apply your payments first to any billed fees, then 
to late charges, then to the Interest Charges on both purchases and cash 
advances, then to the principal balances of purchases in the order they were 
posted to your account, and then to the principal balance of cash advances. 
If two or more purchases were posted on the same day, your payment will be 
applied to the smallest first.
18. PERIODIC STATEMENTS: If, at the end of any monthly periodic interval 
which  we  may  determine  (the  “Billing  Cycle”),  you  have  an  outstanding 
undisputed debit or credit balance in your account, or if there is an Interest 
Charge imposed with respect to your account, we will send you a periodic 
statement for that Billing Cycle.
19. ACCOUNT STATEMENT: Unless you notify us of a billing error as described 
below, you accept your periodic statements as accurate statements of your 
account with us.
20. USE OF THE ACCOUNT BY OTHERS: If you permit another person to use 
your  account  at  anytime,  you  agree  to  pay  for  (1)  any  transactions  made 
by that person and (2) charges imposed on those transactions, even if the 
amount of the actual use exceeds your permission to the extent allowed by 
applicable law.
21. LIABILITY FOR UNAUTHORIZED USE: Lost/Stolen Notification: You agree 
to notify us immediately, orally or in writing at Star One Credit Union, P.O. 
Box 3643, Sunnyvale, California 94088-3643, telephone 408 543-5202 or 
866 543-5202 of the loss, theft, or unauthorized use of your Card or other 
credit instrument or device that we supply to you. If you notify us of your lost 
or stolen Credit Card after discovery, you may not be liable for any losses 
related to credit transactions. This zero liability will apply provided you were 
not  grossly  negligent  or  fraudulent  in  handling  your  Card;  otherwise  your 
liability for unauthorized Visa Credit Card transactions may be up to $50.
You  agree  to assist us in determining  the  facts, circumstances,  and  other 
pertinent information related to any loss, theft, or possible unauthorized use 
of your Card, Account Number or PIN and to comply with such procedures as 
we may require with our processing and investigation.
22. IRREGULAR PAYMENTS: We can accept late payments or partial payments, 
or checks and money orders marked “payment in full” without prejudice to our 
rights under this Agreement, which are hereby explicitly reserved.

23. DEFAULT: You will be in default if you fail to pay as agreed, fail to comply 
with any provision of this Agreement, if you provide us with false information 
or signature, if you default on any account or other obligation that you have 
with us, or if you die, become insolvent, or file bankruptcy.
24.  ATTORNEYS  FEES  AND  COSTS:  If  you  default  on  any  part  of  this 
Agreement, you agree to pay us all costs to collect your account, including 
court costs and reasonable attorneys fees whether or not there is a lawsuit, 
and fees on any appeal and fees for bankruptcy proceedings, appeals, and 
any post-judgment collection services, if applicable.
terminate  or  suspend  your  credit 
25.  TERMINATION:  We  may 
privileges  under  this  Agreement,  at  any  time,  in  our  sole  discretion 
without  demand  or  notice.  If  we  are  required  by  law  to  give  you  a 
reason  for  adverse  action  for  credit  denied,  we  will  do  so.  You  must 
notify  us  in  writing  if  you  decide  to  terminate  the  Agreement.  If  you 
terminate  this  Agreement  or  if  we  terminate  or  suspend  your  credit 
privileges, 
liability 
hereunder shall otherwise remain in full force and effect until all cards 

the  Agreement  and  your 

the  provisions  of