Please keep this Addendum as it is incorporated into and becomes a part of your LOANLINER® Open-End Plan. 

SAFE Federal Credit Union Visa Platinum Low‐Rate Credit Card Disclosures 
Effective – January 3, 2019 

Interest Rates and Interest Charges 

ANNUAL PERCENTAGE 
RATE (APR)  for 
Purchases 

APR for Balance 
Transfers 

0%1 Introductory Rate for First 12‐Months a new account is opened
On the first day, after 12‐billing cycles from account opening, your APR will revert to 
your approved rate, which will vary with the market based on the Wall Street 
Journal prime rate. Rates range from 10.24%‐18.00%* based on credit 
worthiness and prime rate. 

1.99%2 Introductory Rate for First 12‐Months a new account is opened
On the first day, after 12‐billing cycles from account opening, your APR will revert to 
your approved rate, which will vary with the market based on the Wall Street 
Journal prime rate. Rates range from 10.24%‐18.00%* based on credit 
worthiness and prime rate. 

APR for Cash Advances  10.24%‐18.00%* 

This APR will vary with the market based on the Wall Street Journal prime rate and 
is based on credit worthiness at the time of account opening. 

Penalty APR and When 
It Applies 

18.00% 
This APR may be applied to your account if you: 

(1) Make a Late Payment
(2) Go Over Your Credit Limit
(3) Make a Payment that is Returned; or
(4) Do any of the above on Another Account You have with Us.

How Long will the Penalty APR Apply? If your APRs are increased for any of these 
reasons, the Penalty APR will apply until you make six consecutive minimum 
payments when due; and you do not again default on these conditions during this 
time. 

Paying Interest 

Your due date is at least 25‐days after the close of each billing cycle. We will not 
charge you any interest on purchases or cash advances if you pay your entire 
balance by the due date each month. 

Minimum Interest 
Payment 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

If you are charged interest, the charge will be no less than $.01. 

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://consumerfinance.gov/learnmore 

Annual Fee 

None 

SEE PAGE TWO FOR MORE IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
Please keep this Addendum as it is incorporated into and becomes a part of your LOANLINER® Open-End Plan. 

Transaction Fees 

Balance Transfer Fee:  2% of each advance with $10 minimum 
Express Card Fee: $25.00 
Lost or Stolen Card Replacement: $15 
Cash Advance Fee:  2% of each advance with $10 minimum 
Foreign Transaction Fee : 1.0% of each international transaction in US Dollars 
Research Fee: $10 per hour (2 hour minimum) 

Receipt Copy: $2.00 per receipt 
Statements: $2.00 per statement 

Pay by Phone: $5.00 

Penalty Fees 

Late Payment Fee: up to $38  applied on any portion past due 3 days after due date 
Over‐the‐Credit Limit Fee: $0 
Returned Payment Fee: $ 25 

*Annual Percentage Rate (APR) applicable to your account is determined by your credit worthiness based on your Equifax Beacon Score at the 
time of application. The Annual Percentage Rate (APR) includes only interest and no other costs. Changes in prime rate will cause
changes in the APR as of the first day of your Account's billing cycle following an Index change. In no case shall any APR be less
than 7.99 % or higher than 18.00% regardless of the applicable index and margin, unless specifically applicable laws and/or
regulations require we use a lower APR.

Monthly 
Periodic 
Rate 
0.8533% – 
1.5000%* 

Annual 
Percentage 
Rate* 
10.24% -
18.00%* 

0.000000% 

0.00%1 

Minimum 
Payment 

2.0% of 
balance or 
$25 
minimum 

2.00% of 
balance or 
$25 
minimum 

Monthly 
Periodic 
Rate 

Tier 

Annual 
Percentage 
Rate* 

Minimum 
Payment 

Shaded boxes represent promotional rates for the first 
12 months of newly opened accounts 

0.005452 

1.99%2 

2.0% of 
balance or 
$25 
minimum 

1Introductory rate offered on purchases for the first 12 billing cycles a new account is open. 
2Introductory rate offered on balance transfers for the first 12 billing cycles a new account is open. 
1 & 2 Beginning on the first day of the 12 billing cycles after the account has been open, purchases and cash 
advances will be subject to the approved interest rate and any changes based on Wall Street Journal prime 
disclosed at account opening. 

How we will calculate Your Balance: We will use a method called “average daily balance (including new 
purchases”). See your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement. 

Security Interest: The credit union will acquire a security interest in the property purchased with your credit 
card; and collateral securing other loans with us may also secure this account. Also, you are giving us a security 
interest in all individual and joint share and/or deposits accounts you have with us now or in the future. 

The information about the costs of the card described in this application is accurate as of 08/01/15.  This 
information may have changed after that date. To find out what may have changed, call 800‐763‐8600 or 803‐
469‐8600, visit SAFEFED.ORG, or write SAFE Federal Credit Union, P. O. Box 2008, Sumter, SC 29151‐2008. 

12/18 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
   
 
 
 
        
   
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
   
 
 
 
 
 
 
         
 
 
   
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
         
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CREDIT CARD AGREEMENT 
AND DISCLOSURES 
VISA® PLATINUM LOW-RATE CREDIT 
CARDS 

THIS  IS  YOUR  AGREEMENT  AND  DISCLOSURE 
STATEMENT WITH SAFE FEDERAL CREDIT UNION. 
PLEASE READ IT CAREFULLY AND KEEP IT FOR 
YOUR  RECORDS.    IT  SUPERSEDES  ALL  PRIOR 
AGREEMENTS  AND  DISCLOSURE  STATEMENTS 
RELATING  TO  YOUR  ACCOUNT.    YOU  DO  NOT 
HAVE  TO  SIGN  THIS  AGREEMENT. 
YOUR 
AGREEMENT TO ALL OF THESE PROVISIONS, AS 
AMENDED  FROM  TIME  TO TIME INCLUDING THE 
CARD ISSUED BY US, WILL BE SHOWN BY YOUR 
APPLICATION 
YOUR 
ACCEPTANCE  OF  THE  CARD,  OR  YOUR  USE  OF 
THE CARD, WHICHEVER OCCURS FIRST. 

CARD, 

FOR 

THE 

1. Definitions Used to Understand Your Agreement
with  Us:  In  this  Agreement,  the  word  "Card"  means
either one or more Visa credit cards and any duplicates, 
renewals or substitutions we issue.  The words, "you," 
"your,"  and  "yours"  mean  all  cardholders  (borrowers 
and co-borrowers); anyone any cardholder permits to 
use  the  Card(s);  as  well  as  any  authorized  user  for 
whom an additional Card(s) is issued to the extent of 
their  purchases  and  cash  advances,  as  well  as 
transactions by anyone they permit to use the Card(s). 
The  word  "cardholder"  means  any  applicant  or  co-
applicant to whom a Card is issued by us.  The words 
"Credit  Union,"  "we,"  "us,"  and  "our"  mean  SAFE 
Federal  Credit  Union.  The  words  "Convenience 
Checks" mean one or more checks that we may send to 
you to access your Credit Card Account.  “Applicable 
Law”  shall  include:  “(i)  Visa  U.S.A.  Inc.  Bylaws,  Visa 
U.S.A.  Inc.  Operating  Regulations,  Visa  U.S.A.  Inc. 
Certificate of Incorporation, Visa International Bylaws, 
and Visa International Operating Regulations; and (ii) 
any  and  all  laws,  treaties,  rules,  regulations,  or 
regulatory  guidance  of  the  government  of  the  United 
States, any state thereof, or of any applicable foreign 
government  or  state  thereof,  as  the  same  may  be 
amended and in effect from time to time. 

2. Your Pledge of Shares and Security Interest for

Your Loan Advances:

BY SIGNING AN APPLICATION, ACCEPTANCE OR 
AUTHORIZED USE OF ANY CREDIT CARDS, YOU 
GRANT AND PLEDGE A CONSENSUAL LIEN TO US 
ON ALL SHARES TO SECURE PAYMENT OF YOUR 
OBLIGATIONS ON THIS ACCOUNT.  IN ADDITION, 
YOU  ACKNOWLEDGE  OUR  STATUTORY  LIEN 
RIGHTS  UNDER  THE  FEDERAL  CREDIT  UNION 
ACT;  YOU  AGREE  THAT  SUCH  A  LIEN 
IS 
IMPRESSED  AS  OF  THE  DATE  THAT  THIS 
ACCOUNT IS OPENED; AND YOU AGREE THAT WE 

CAN APPLY THE SHARES PLEDGED AT THE TIME 
OF  ANY  DEFAULT  ON  THIS  ACCOUNT  WITHOUT 
FURTHER  NOTICE.  “Shares”  for  the  purpose  of 
your pledge to secure your obligations to the Credit 
Union  means  all  deposits  in  any  share  savings, 
share draft, club, certificate, P.O.D., revocable trust 
or  custodial  account(s),  whether 
jointly  or 
individually held -- regardless of contributions, that 
you  have  on  deposit  now  or  in  the  future.  Your 
pledge  does  not  include  any  I.R.A.,  Keogh,  tax 
escrow,  irrevocable  trust  or  fiduciary  account  in 
which you do not have a vested ownership interest. 

Military Lending Act Partial Exception: If you or your 
dependents are expressly covered and entitled to 
the protections provided by the Military Lending Act 
then NO PLEDGE OF SHARES OR LIEN ON SHARES 
APPLIES  EXCEPT  FOR  A  SHARED  SECURED 
CREDIT  CARD  FOR  WHICH  YOU  EXECUTE  A 
SECURITY  AGREEMENT.  Any 
SEPARATE 
provisions of the Agreement (below) that address 
the items expressly excepted in any section to the 
contrary also do not apply to such Loans. 

SECURITY AGREEMENT: “Non-Purchase-Money 
Security  Interests”  Payments  on  your  Account  are
secured  by  any  security  interest  in  any  property 
securing  your  other  obligations  to  the  Credit  Union, 
whether  existing  now  or  in  the  future,  except  your 
household  goods  and  your  primary 
residence. 
“Purchase-Money Security Interests” You hereby grant 
Credit  Union  security 
in  all  property 
purchased/acquired  by  you  or  any  authorized  user 
pursuant  to  the  use  of  this  Account,  including  a 
purchase-money  security  interest  in  any  household 
goods purchased/acquired with an extension of credit 
upon this Account.   These Purchase-Money Security 
Interests  shall  secure  faithful  performance  of  all
obligations arising under this Agreement; and the Credit 
Union shall have all of the rights of a secured party in 
accordance  with  Article  Nine  of 
the  Uniform 
Commercial Code and/or other applicable law. 

interest 

3. How to Use this Account: You must sign the Card
in order to use it. You can purchase or lease goods and
services ("Purchases") from any merchant who honors
your Card up to your maximum credit limit by presenting
your  Card  and  signing  a  sales  slip  or  writing  a
Convenience Check for the amount of the Purchase.
You may also use the Card to obtain cash loans ("Cash
Advances")  up  to  your  maximum  credit  limit  from
financial  institutions  that  accept  the  Visa  credit  card,
and by use of preprinted Convenience Checks that the
Credit  Union  may  issue  to  you.  You  agree  not  to
present your Card, obtain a Cash Advance or write a
Convenience  Check  for  any  extension  of  credit  in
excess  of  your  available  Credit  Limit  (the  difference
between your outstanding balance and your maximum
credit  limit)  on  your  account.  Cash  advance,
convenience checks, and balance transfers may not

Page 1 of 9 
Rev. 10.03.2017 

to  completion  of 

be used to pay off any debt owed to SAFE Federal 
Credit Union.  Certain purchases and cash advances
require  authorization  prior 
the 
transaction. 
In  some  cases,  you  may  be  asked  to 
provide identification.  If our system is not working, we 
may not be able to authorize a transaction, even though 
you have sufficient credit available.  Also, for security 
reasons, we may block the use of your Card in certain 
countries or geographic areas.  We will have no liability 
to you or others if any of these events occur. 

You authorize us to honor any Purchase or Cash Ad-
vance you make by telephone or mail on this account. 
You agree that a signature is not necessary as iden-
tification in such cases.  We reserve the right to refuse 
to honor any request for credit, to reduce your credit 
limit  or  terminate  your account at any time using our 
sole discretion, based on changes in the economy, the 
Credit Union's financial condition, your creditworthiness 
or for any other reason not prohibited by law. 

If  you  have  received  a  personal
4. ATM  Access: 
identification number (PIN), you may use your Card and 
PIN to obtain Cash Advances at any Automatic Teller
Machine ("ATM") that accepts your Card.  Your PIN is
confidential  and  should  not  be  disclosed  to  anyone.
You agree not to write your PIN on your Card, you will
not keep your Card and PIN together, and you will not
provide your PIN to anyone who is not an authorized
user.  Except as otherwise provided in this agreement,
advances through ATM access will be treated as Cash
Advances  under 
this  Agreement.    Advances  at
authorized  ATM's  are  limited  to  a  total  of  $510.00
during  any  24-hour  period.    The  total  of  all  cash
advances on your Visa Account and any withdrawals
from your other accounts through an ATM in any 24-
hour period may be combined for the purpose of this
limitation.  Although  we  do  not  charge  a  fee  for  this
service, others may. Owners of ATMs that we do not
own  may  charge  fees  in  addition  to  any  fees
disclosed  in  this  Agreement.      This  is  not  a  fee
charged by your Credit Union; however, any such
fee  will  be  added  to  your  account.  The  party
charging the fee is required to provide appropriate
disclosures to you with regard to any such fees.

5. Your Maximum Credit Limit: Your Maximum Credit 
Limit will appear on the folder in which you receive your 
Card and on your monthly statement. At our discretion,
we may change your credit limit at any time, and may
provide  separate  limits  for  purchases  and  for  cash
advances.  We will notify you if we do, either by mail or
through  your  monthly  billing  statement.  You  may
request a change to your credit limit by contacting the
Credit Union by telephone or mail.  Your continued use
of  the  card  will  show  your  agreement  to  any  such
increase.  If  you  object  to  an  increase  in  your  credit
limit,  you  must  notify  Credit  Union  in  writing.  Upon
receipt of such notice, your credit limit will be reduced
to its prior limit; however, you will be responsible to pay
any amounts by which you have exceeded the reduced 
limit.  You  agree  to  pay  any  amounts  you  owe  that

exceed  your  maximum  credit  balance  upon  demand. 
You agree we are not obligated to extend to you credit 
for  any  amount  that  would  cause  your  outstanding 
balance to exceed your Maximum Credit Limit, or for 
any  amount  if  your  outstanding  balance  already 
exceeds your Maximum Credit Limit. Any increase in 
your  Maximum  Credit  Limit  requested  by  you  will 
require  you  to  make  a  written  application  for  our 
approval.  In  assessing  your  credit  limit  under  the 
provisions  in  this  Section  (either  at  our  discretion  or 
upon  request):  (a)  we  may  and  you  authorize  us  to 
review  your  credit  history,  including  consumer  credit 
reports; (b) you authorize us to have this review made 
by  third  parties  to  determine  whether  you  meet  the 
criteria we have set for such an increase; and (c) this 
process shall not be pre-screening under the Fair Credit 
Reporting  Act or other applicable laws or regulations 
based on our existing relationship and this Agreement. 

Credit balances in excess of $1.00 will be refunded to 
you  by  mailing  a  check  to  the  address  to  which 
statements  are  provided  payable  to  the  order  of  any 
cardholder  or  as  a  deposit  to  your  primary  savings 
account.  You agree that the Maximum Credit Limit will 
at no time exceed the agreed upon amount, and that 
any credit balance will not be available or increase the 
Maximum Credit Limit available for new purchases or 
cash advances during any billing cycle. 

6. General  Terms  Governing  Your  Payments: You
will be jointly and severally liable and agree to pay the 
Credit  Union  for  all  charges    (purchases,  cash 
advances, finance charges, and other charges added to 
your  Account  under  the  terms  of  this  or  any  other 
agreements with us) extended to you or anyone else 
using any Card issued for your account, unless the use 
of such Card is by a person other than you, who does 
not have actual, implied or apparent authority for such 
use and from which you receive no benefit.  Authority 
includes,  but  is  not  limited  to,  any  authorized  users 
permitting another person to use any Card(s).  Further, 
all user’s are obligated to us for all charges they make, 
authorize or permit. The Credit Union can accept late or 
partial payments as well as payments that are marked 
with  "paid  in  full"  or  other  restrictive  endorsements, 
without losing any of our rights under this Agreement. 
You must pay the Credit Union in U.S. dollars drawn on 
funds on deposit in the United States.  The Credit Union 
will  determine  the  method  of  applying  payments  and 
credits to your account, which will in all respect comply 
with  any  specific  requirements  of  applicable  laws.  If 
you  make  payment  with  other  currencies  or  from  an 
institution  domiciled  outside  the  United  States,  then 
your payment will not be credited until the funds have 
been  collected  by  us  in  U.S.  dollars.  If  you  make  a 
payment on this account utilizing a check, you authorize 
us  either  to  use  the  information  from  your  check  to 
make  a  one-time  electronic  fund  transfer  from  your 
checking/deposit account or to process the payment as 
a check transaction.  When we use information from a 
check to make an electronic funds transfer, funds may 
be withdrawn from another financial account possibly 

Page 2 of 9 
Rev. 10.03.2017 

the same day you make your payment, and you will not 
receive your check back from your financial institution. 
For inquiries, or to opt out of one-time electronic fund 
transfers, please contact us at 1-800-763-8600. 

Unless  otherwise  required  by  specifically  applicable 
laws, for  payments received by mail by 5:00 PM EST, 
you will receive credit that day; and for payments made 
in any other manner, including in person, your account 
will be credited the day payment is received.  Please 
allow at least seven (7) days for the U.S. Postal Service 
to deliver your payment. 

To protect you and us, the Credit Union, in its sole 
discretion, may place a temporary freeze on all or 
part of the credit available to you for new purchases 
or  cash  advances  under  this agreement any time 
the  Credit  Union  receives  a 
large  payment 
($1,000.00 or more), by a method other than cash, 
certified  funds  or  electronic  transfer. 
In  such 
cases, the Credit Union may freeze your credit line 
until payment is actually collected by us. 

Maximum Fees During the First Year: During the first 
year  after  the  credit  card  is  opened  the  total  fees 
charged to your credit card will not exceed 25% of the 
credit limit in effect when the account is opened. This 
limit does not apply to late payment fees, over-limit fees 
or returned payment fees or other fees the consumer is 
not required to pay with respect to the account such as 
an expedited payment for making a payment by phone. 
However,  the  limit  does  apply to cash advance fees, 
balance transfer fees and foreign transaction fees. 

7.  Minimum  Payment  Due:  You  can  pay  off  your 
account balance in full each month or you can pay in 
monthly installments.  If you do not pay your balance in 
full, you agree to pay at least a minimum payment of 
2% of your New Balance (rounded to the nearest whole 
dollar)  or  $25.00,  whichever  is  greater  at  the  end  of 
each statement period.  If the New Balance shown on 
your periodic statement is $25.00 or less, you agree to 
pay this amount.  Unless the Credit Union takes other 
action as a result of a default under this Agreement, the 
Minimum  Payment  Due  will  also  include  any  amount 
that  is  past  due  and  any  amount  by  which  your  new 
balance exceeds your credit limit.  Payment Allocation: 
Subject to any mandatory provisions of applicable law 
we will apply your minimum payment to previously billed 
unpaid  finance  charges;  late  charges  and  similar 
charges;  balance  with  the  lowest  interest  rate;  Cash 
Advances and Purchases.  You must pay the minimum 
payment on or before the due date each month, but you 
may  pay  more  with  all  of  the  excess  payment  being 
applied to highest APR balances. You must pay at least 
the minimum payment each month, but you may pay 
more than that amount at any time without a penalty. 
The sooner you pay your new balance, the less you will 
have  to  pay  in  finance  charges.  The  "Payment  Due 
Date" will be shown on your periodic statement. 
Grace  Period  For  Repayment Of The Balance For 
Purchases  and  Cash  Advances:  Grace  period  for 

repayment  of  the  balance  for  purchases  and  cash 
advances is 25 days from the close of the billing cycle. 
See your statement for billing cycle date. 

8.  Returns  and  Adjustments  Regarding  Your 
Transaction with Merchants: Merchants and others 
who  honor  your  Card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit 
Union a credit slip which will be posted to your Account. 
If your credits and payments exceed what you owe the 
Credit Union, the amount will be applied against future 
purchases and cash advances.  If the credit balance 
amount is $1.00 or more, it will be refunded upon your 
written  request.  Credit  balances  under  $25.00  will 
automatically  be  refunded  within  six  months.    Credit 
balances  over  $25.00  will  be  refunded  automatically 
each month after statement cycle closing. 

9. Additional Charges for Transactions in a Foreign 
Currency  and 
“Cross-Border”  Transactions. 
Currency Conversion Fee: If you effect or authorize a 
transaction with your access device in a currency other 
than US Dollars, Visa will convert the charge into a US 
Dollar amount. The Visa currency conversion procedure 
includes  use  of  either  a  government  mandated 
exchange rate, or a wholesale exchange rate selected 
by Visa, as applicable. The exchange rate Visa uses 
will  be  a  rate  in  effect  on  the  day  the  transaction  is 
processed. This rate may differ from the rate in effect 
on the date of the purchase or the date the transaction 
was  posted  to  your  account.  A  Currency Conversion 
Fee of up to 1% will be applied to transactions that are 
converted  from  foreign  currencies  to  U.S.  dollars. 
Cross-Border  Transaction  Fee:  In  addition,  Visa 
charges us a Cross-Border Assessment up to 1% on 
each  transaction  on  all  cross-border  transactions 
regardless of whether there is a currency conversion. 
For purposes of this Section, “cross-border transaction” 
shall include both (a) transactions initiated in a foreign 
country  which  are  subsequently  settled  in  the United 
States,  and  (b)  transactions  initiated  in  the  United 
States  but  which  are  ultimately  settled  in  a  country 
outside  of  the  United  States.  The  Credit  Union  will 
assess these fees to you to reimburse it for the fee it is 
required to pay for each of your transactions subject to 
these terms. The Cross-Border transaction fee will be 
shown  separately  on  your  periodic  billing  statement. 
The  Currency  Conversion  Fee,  if  it  applies  to  the 
transaction, will be included in the transaction amount 
posted on your statement. 

10.  Finance  Charges:  WILL  BE  IMPOSED  IN  THE 
FOLLOWING MANNER AND WILL BE IN AMOUNTS 
NOT IN EXCESS OF THOSE PERMITTED BY LAW: 

(a)  PURCHASES:  (1)  No  finance  charge  will  be 
imposed  during  the  next  billing  cycle  (defined  as  the 
time interval between regular monthly billing statement 
dates) if you pay the entire new balance shown on the 
current  periodic  statement  and  we  receive  your 
payment on or before the payment due date shown on 
the statement. (2) In all other cases, a finance charge 

Page 3 of 9 
Rev. 10.03.2017 

will be imposed based on the average daily balance of 
all purchases and debit adjustments, hereafter referred 
to as purchases. The average daily balance is the sum 
of all outstanding purchases, which is determined by 
including new purchases and deducting payments or 
credits  and  excluding  any  unpaid  finance  charge  for 
your Account on each day of the billing cycle divided by 
the  number  of  days  in  the  billing  cycle.  A  purchase 
appearing  on  the  periodic  statement  is  considered  a 
part  of  the  outstanding  balance  from  the  date  of 
posting.  (3)  The  amount  of  the  finance  charge  is 
calculated by multiplying the average daily balance for 
purchases by the monthly periodic rate. The monthly 
periodic rate is the yearly interest rate divided by 12. 

(b) CASH ADVANCES: (1) No finance charge will be 
imposed  during  the  next  billing  cycle  (defined  as  the 
time interval between regular monthly billing statement 
dates) if you pay the entire new balance shown on the 
current  periodic  statement  and  we  receive  your 
payment on or before the payment due date shown on 
the statement (2) In all other cases, a finance charge 
will be imposed on the average daily balance of cash 
advances,  which  is  the  sum  of  the  cash  advances 
(determined  by  including  new  cash  advances  and 
deducting any payments or credits and excluding any 
unpaid finance charge) outstanding each day during the 
billing cycle, divided by the number of days in the billing 
cycle.  A  cash  advance  appearing  on  the  periodic 
statement  is  considered  a  part  of  the  outstanding 
balance from the transaction date. (3) The amount of 
finance charge is calculated by multiplying the average 
daily  balance  for  cash  advances  by  the  monthly 
periodic  rate.  The  monthly  periodic  rate  is  the  yearly 
interest rate divided by 12. 

11. “Promotional Rate” Finance Charges: From time 
to time and in our sole discretion we may offer a special 
rate applicable to certain transactions such as particular 
purchases (as defined by us), balance transfers, cash 
advances  or  purchases  made  by using Convenience 
Checks.    Applicable  terms  and  conditions  will  be 
disclosed at the time any such promotion is offered, and 
are incorporated into this Agreement by reference.  The 
promotional rate will apply only to the transactions and 
for the period of time set forth in any such offer from us. 
Existing balances and new purchases or advances not 
expressly  subject  to  any  such  promotion  will  remain 
governed  by 
this 
Agreement.  In addition, the terms and conditions of this 
Agreement will govern your obligations regarding any 
unpaid balance or transactions that are made subject to 
any such promotional offer, that are not fully paid within 
the time period set forth in such promotional offer. 

terms  and  conditions  of 

the 

12.  Interest  Rate  Adjustment  (Default  Rate):  The 
Credit  Union  will  adjust  the  interest  rate  on  your 
account whenever your account is 60 days past due. 
We will change your interest rate to a fixed rate of 18% 
ANNUAL PERCENTAGE RATE (or less in the Credit 
Union’s discretion) which is a monthly periodic rate of 
1.50%, on the first day of the billing cycle following the 

cycle  that  was  60  days  past  due.  After  six  (6) 
consecutive billing cycles of your account being paid 
pursuant  to  the  terms  of  your  agreements  with  the 
Credit Union, we will change the interest rate to the rate 
that  is  then  applicable  to  your  account,  which  will 
become  effective  on  the  first  day  of  the  billing  cycle 
following the sixth consecutive billing cycle. 

13. Monthly Statement.  We will send you a monthly 
billing  statement  whenever  there  is  activity  on  your 
account.  Your monthly statement will show an itemized 
list of current charges (Purchases and Cash Advances) 
and Convenience Check transactions to your account, 
your new balance, any Finance Charges, the minimum 
payment due, and the payment due date.  In addition, it 
will  show  your  current  credit  limit,  payments,  and 
credits, a summary showing your Purchases and Cash 
Advances, the merchant, electronic terminal or financial 
institution at which transactions were made, as well as 
other  information  concerning  your  account.    Sales, 
Cash Advance, credit or other slips cannot be returned 
with any statement.  You will retain a copy of such slip 
furnished at the time of the transaction in order to verify 
your  monthly  statement.  E-Statements:  If  provided 
electronically, you will be sent a notice via e-mail that 
will  direct  you  to  a  site  we  maintain  or  cause  to  be 
maintained where you may access, review, print and 
otherwise  copy  /  download  your  periodic  statements 
using procedures that we authorize. E-mails from us will 
be sent to the e-mail address provided by any owner. 

14.  Additional  Benefits/Card  Enhancements:  The 
Credit  Union  may  from  time  to  time  offer  additional 
services  to  your  Account,  such  as  travel  accident 
insurance, purchase rewards or rebates at no additional 
cost to you.  You understand that the Credit Union is 
not obligated to continue or to offer such services and 
may  withdraw  or  change  them  at  any  time.  If  these 
benefits are withdrawn prior to any accrued use by you, 
the Credit Union will have no obligation to provide the 
benefit or enhancement, or any other compensation or 
consideration. 

15.  Merchant  Disputes:  The  Credit  Union  is  not 
responsible for the refusal of my merchant or financial 
institution to honor your Card except as set forth in the 
Special Rules for Credit Card Purchases set forth at the 
end of this Agreement. 

16. Late Payment Fee. Credit Union will charge your 
account  a  late  payment  fee up to $27.00 for the first 
billing  period  in  which  your  minimum  payment  is  not 
received  within  three  (3)  days  of  your  payment  due 
date. The credit union will charge you a fee up to $38 
for any additional late payments within six (6) months of 
the first late fee. This fee may be added to your account 
balance, or collected from you on demand. 

17.  Returned  Payment  or  Insufficient  Funds  Fee. 
Credit Union will charge your account a $25.00 fee if 
your  payment  by  any  method,  including  check, 
electronic  transfer,  home  banking  transaction  or 

Page 4 of 9 
Rev. 10.03.2017 

otherwise, is not honored, collected by us, or if we must 
return it to you because it cannot be processed for any 
reason.  This  fee  may  be  added  to  your  account 
balance, or collected from you on demand. 

18.  Charge  for  Copies,  Research  and  Card 
Replacement:  If you ask for a copy of any document, 
such  as  a  sales  slip,  Convenience  Check,  or  billing 
statement,  a  charge  of  $10.00  per  hour  may  be 
imposed for the time it takes to research and locate the 
In  addition,  a 
document,  with  a  two  hour  minimum. 
copying  fee  of  $2.00  per  copy  will  be  imposed. 
However, no charge will be imposed in connection with 
any actual or asserted billing error.  We will charge a 
$15.00 fee to replace a lost card. 

19.  Your  Responsibility  and  Liability 
for 
Unauthorized  Use  and  Lost  or  Stolen  Cards  or 
Convenience Checks:  If your Card or Convenience 
Checks are lost or stolen, or if you are afraid someone 
used  or  may  use  them  without  your  permission,  you 
must notify the Credit Union at once by calling us at 1-
800-449-7728. 
If  notice  is  given  orally,  you  will 
promptly  confirm  it  in  writing.    The  Credit Union may 
require you to provide us certain information in writing 
to help us investigate any unauthorized use.  Further, 
you  agree 
to  cooperate  and  assist  us  or  any 
government  or  law  enforcement  agent  or  agency  in 
investigating,  collecting  or  pursuing  any  other  rights 
(civil and criminal) relating to any unauthorized use.  In 
this  regard,  you  agree  to  file  an  appropriate  police 
report when asked to do so.  Do not use the Card or the 
Convenience Checks after you have notified the Credit 
Union, even if you find them or have them returned to 
you. 

You are liable for all transactions that you authorize. 

No Liability: You will have no liability for unauthorized 
use of your Card, Convenience Checks or other Access 
Devices for non-ATM transactions made over the Visa 
Network.  HOWEVER - your liability with respect to 
unauthorized transactions may be greater than the 
above  zero  ($0.00)  liability  limit,  to  the  extent 
allowed  under  applicable  law,  if  the  credit  union 
reasonably  determines,  based  on  substantial 
evidence, that you were negligent or fraudulent in 
the  handling  of  your  account  or  card.  Limited 
Liability:  For transactions on other networks or ATM 
transactions,  you  may  be  liable  for  unauthorized 
transactions using your Card, Convenience Checks or 
other Access Devices that occur before we are notified. 
However,  your  liability  for  unauthorized  use  on 
networks other than Visa will not exceed $50.00.  In any 
case,  you  will  not  be  liable  for  any  unauthorized  use 
after notifying us of the loss, theft or unauthorized use 
of  your  Card,  Convenience  Checks  or  other  Access 
Devices. 

20.  Our  Liability 
to  Complete 
Transactions:  If  we  do  not  complete  a  transaction 

for  Failure 

pursuant to any request, and/or in the correct amount, 
we may be liable for your losses or damages. However, 
there  are  some  exceptions.  We  will not be liable, for 
instance: 

• 

• 

• 

• 
• 

• 

• 

• 

• 

if  through  no  fault  of  ours,  you  do  not  have 
adequate  funds  available  on  your  Card  to 
complete the transfer; 
if circumstances beyond our control (such as 
fire, flood, terrorist attack, national emergency, 
or computer or communication failure) prevent 
the  completion  of  the  transaction,  despite 
reasonable precautions we have taken; 
if access to your Card has been blocked after 
you reported your Card lost or stolen; 
if there is a hold on your Card for any reason; 
if  your  funds  are subject to legal process or 
other encumbrance restricting their use; 
if  your  transfer  authorization  terminates  by 
operation of law; 
if a computer system or mobile device was not 
working  properly  and  you  knew  about  the 
problem when you initiated the transaction; 
if  we  have  reason 
requested transaction is not authorized; or 
as otherwise provided in this Agreement. 

to  believe 

that  the 

21.  What  the  Credit  Union  may  do  if  You  do  not 
meet  You  Obligations  under  this  Agreement 
(“Default”):  You will be in default if: (a) you fail to pay 
the Minimum Payment Due by the Payment Due Date; 
(b) the Credit Union, in its sole discretion, feels insecure 
(For example:  Our good faith belief that your ability to 
pay your account is impaired; use of your account in 
any manner or in any way that may expose the Credit 
Union to a risk of loss; etc.); (c) your ability to repay is 
materially reduced by a change in your employment, by 
an  increase  in  your  obligations,  by  bankruptcy  or 
insolvency proceedings involving you, by your death, or 
(for  community  property  state  residents  only)  by  a 
change  in  marital  status  or  domicile;  (d)  you  exceed 
your credit limit without our permission; (e) you have 
made  a  false  or  misleading  statement  to  us  in  your 
application or otherwise; (f) you are in default under any 
other agreement with us; (g) if you use or authorize the 
use  of  any  Card(s)  to  make  or  facilitate  any  illegal 
transaction; or (h) you fail to perform any of your other 
obligations under the terms of this Agreement as it may 
be amended from time to time.  Upon default we may 
close your Account to future purchases and advances 
and,  to  the  extent  not  prohibited  by  Governing  Law, 
demand  immediate  payment  of  your  entire  Account 
balance, after giving you any notice and opportunity to 
cure  the  default  if  required  by  applicable  law.    The 
Credit Union's sole obligation hereunder with regard to 
determining  and  declaring  an  event  of  default  is  the 
exercise  of  "good  faith,"  based  on  its  subjective 
understanding of applicable facts. We shall also have 
the right to close your account and terminate access 
privileges  where  your  account  is  inactive  for  such 
periods of time as we may from time-to-time determine 

Page 5 of 9 
Rev. 10.03.2017 

 
 
 
 
 
 
 
 
 
to  be  appropriate  for  protecting  both  our  and  your 
interests. 

22.  When  You  may  be  Responsible  for  Legal  and 
Other Costs: You agree to pay all costs incurred by the 
Credit Union in collecting any amounts you owe or in 
enforcing or protecting the Credit Union's rights under 
this Agreement, including attorneys' fees of 20% of the 
unpaid  balance  or  such  greater  sum  as  may  be 
reasonable,  and  also  those  costs,  expenses  and 
attorneys'  fees  incurred  in  any  appellate,  bankruptcy 
and  post-judgment  proceedings,  except  as  limited  or 
prohibited by applicable law. 

23. Updating and Disclosing Financial Information: 
We may report your performance under this Agreement 
to credit reporting agencies and secure follow-up credit 
reports  on  you  for  any  legitimate  business  reason, 
including if you fail to make your minimum payments on 
time.    We  can  reinvestigate  and  reevaluate  any 
information you provide on your Visa Application at any 
time, and in the course of doing so, we may ask you to 
provide  additional  information,  request  credit  bureau 
reports  and/or  otherwise  verify  your  current  credit 
standing.  Access  to  Account  Information:  You  agree 
that  all  borrowers  and  authorized  users  will  have 
access  to  information regarding transactions on your 
account,  including  but  not  limited  to  purchases  and 
cash  advances,  account  balances,  account  history, 
payments  and  other  information  relating  to or arising 
with regard to this account or any transaction. 

24.  Change of Name, Address or Employment. You 
will notify immediately the Credit Union in writing if your 
name, home address, or employment changes. 

25. Correcting the Credit Union's Credit Report: If 
you  think  the  Credit  Union  reported  erroneous  infor-
mation about you to a credit reporting agency, call the 
Credit  Union  at  the  telephone  number  listed  on  your 
monthly billing  statement.  Credit Union will promptly 
investigate the matter. Credit Union will contact each 
credit reporting agency whose records may reflect an 
error.  Credit  Union  will  require  them  to  correct  your 
report if its investigation decides that you were correct. 
If  Credit  Union  disagrees  with  you  after 
the 
investigation, Credit Union will advise you, in writing or 
by  phone,  and  instruct  you  how  to  submit  to  those 
agencies a statement of your position that will become 
a part of your credit record with them.  The instructions 
will include the name, address, and phone number of 
each  such  agency,  along  with  other  pertinent 
information. 

26. When Your Account may be Closed and Effects 
of Account Closing:  Any individual cardholder without 
the  consent  of  other  cardholders  may  close  your 
Account  at  any  time  by  notifying  us  in  writing  as 
indicated in this Agreement.  Credit Union may close 
your  account  or  suspend  your  Card  privileges  or 
Convenience Checks at any time without prior notice. 
Credit  Union  may  also  reissue  a  different  Card  or 

different checks at any time.  You must return the Card 
or the Convenience Checks to the Credit Union upon 
request.  You agree that the Card and all Convenience 
Checks remain the property of Credit Union.  Each Card 
we issue will have an expiration date.  Upon expiration 
of your Card your account will automatically terminate; 
or the Credit Union, in its sole discretion, may extend 
your  Agreement  and  issue  a  new  card  with  a  new 
expiration  date.  If  you  account  is  closed,  expires  or 
your credit privileges are terminated or suspended, you 
will remain responsible for paying all amounts you owe 
us according to the terms of this Agreement. Without 
limiting the foregoing, the Credit Union has the right to 
terminate your line of credit or any part of the services 
provided pursuant to this Agreement and to demand the 
return  of  all  cards,  access  checks  and  other  access 
devices if the Credit Union, in its sole discretion, feels 
that it is insecure for any reason whatsoever; including 
but  not  limited  to  mismanagement  of  your  account, 
failing to safeguard any access device, creation of any 
credit  balances  by  you  that  may  increase  the  risk  of 
loss  or  exposure  of  the  Credit  Union  or  failing  to 
cooperate with the Credit Union or others with regard to 
any claim of unauthorized use or any other defense to 
payment under applicable law. 

27. Changing This Agreement:  The Credit Union may 
change  the  terms  of  this  Agreement,  including  the 
Annual Percentage Rate, at any time.  Except where 
limited by applicable law, the new terms, including, but 
not limited to, increasing the finance charge or the way 
the  Credit  Union  calculates  finance  charges,  late 
charges, and the minimum payment due, will apply both 
to  new  purchases  and  cash  advances  and  to  the 
existing outstanding balance of your account as of the 
day of the change.  In accordance with applicable law, 
the Credit Union will notify you of any increased charge 
or change by writing to you at the most recent address 
shown for you on the Credit Union's records. 

28.  The  Effect  of  any  Delay  in  Enforcement  or 
Waiver:  The  Credit  Union  may  delay  or  waive 
enforcement of any of the provisions of this Agreement, 
including  any  agreement  to  make  timely  payments, 
without  losing  its  right  to  enforce  the  same  provision 
later or any other provisions of this Agreement.  You 
waive the right to receive notice of any waiver or delay 
or presentment, demand, protest or dishonor.  You also 
waive  any  applicable  statute  of  limitations  to  the  full 
extent  permitted  by  law  and  any  right  you  may 
otherwise have to require the Credit Union to proceed 
against  any person  before  suing you to collect.  You 
understand that the Credit Union will not be liable for a 
merchant's or other parties' refusal to honor your Card 
whether  due  to  an  error  by  the  Credit  Union,  the 
merchant, the Credit Union's authorized agent, or other 
third party. 

29. Additional Terms of Agreement: To the extent not 
prohibited by applicable law, the terms, interpretation 
and enforcement of any claim or dispute arising under 
this Agreement, as well as all parties’ rights and duties, 

Page 6 of 9 
Rev. 10.03.2017 

will be governed by South Carolina State law regardless 
where you may reside or use your account.  Further, 
this  Agreement  is  the  contract  which  governs  all 
transactions on your Account even though sales, cash 
advances,  credit  or  other  slips  may  contain  different 
terms. 

You may not transfer or assign your account or Card to 
any  other  person.  The  Credit  Union  may  assign  or 
transfer  this  Account,  your  Account  balance,  or  this 
Agreement to another person, who will have all of our 
rights  hereunder.  This  Agreement  is  binding  on  your 
heirs  and  legal  representatives.    If  there  are  joint 
obligors or authorized users for this credit plan, each of 
you  will  have  the  right  to  use  the  Account  to  obtain 
loans pursuant to the terms hereof. Any one obligor’s 
elections,  transactions  and  directions  to  the  Credit 
Union shall be binding upon all obligors. Each of you 
will be liable for all obligations owing on the Account 
whether  borrowed  by  you  or  otherwise  and  whether 
within or beyond the credit limit.  Your liability will be 
joint and several.  Either party has the right to cancel 
this Agreement. Further each of you is responsible for 
all  amounts  borrowed  by  any  authorized  user(s). 
Authorized users and other users may also be required 
to  repay  the  amount  owed  for  charges  they  make; 
however, you remain, at all times, primarily responsible 
for all amounts owed. All Cards, billing statements and 
notices will be mailed or delivered to the address given 
on the application for either applicant unless you direct 
otherwise in writing. If any law or judicial ruling makes 
any  part,  provision,  sentence  or  section  of  this 
Agreement unenforceable, the remainder will continue 
in full force and effect. 

30.  Credit  Insurance:  If  you  elect  insurance,  as  set 
forth in your application, then the charges will be added 
to your Account balance on each billing cycle, if your 
insurance application is approved.  Credit insurance is 
voluntary  and  not  required  to  obtain  a  credit  card 
account  with  us.    You  have  a  right  to  terminate  this 
insurance at anytime by notifying us in writing.  Note: 
Maximum  age  for  life  insurance  will  terminate  in  the 
month of your 70th  birth date.  Maximum age for credit 
disability will terminate in the month of your 66th  birth 
date. 

31.  Electronic  Payment  Option:  If  you  request 
recurring  electronic  payment  options  (Automated 
Clearing House (ACH), Pay by Phone, e-check, etc.), 
all  Minimum  Payments  due  will  automatically  be 
deducted  from  your  designated  account  on  your 
Payment  Due  Date. If your designated account does 
not contain sufficient funds, no automatic deduction will 
be  made;  we  will  bill  you  for  the  Minimum  Payment 
Due;  and  your  account  will  be  charged  a  $25.00 
insufficient  funds  fee  and  you  will  be  responsible  for 
making the payment by some other means. 

32.  Compliance  with  Applicable  Laws  and 
Prohibition of Illegal Transactions: You warrant and 
agree  that  you  will  at  all  times  comply  with  all 

to  be 

that  we  believe 

Applicable Laws; and that your card and services are at 
all times subject to Applicable Laws. Further, you agree 
and warrant that your Credit Card, other access device 
or  any  related  account  will  not  be  used  to  make  or 
facilitate  any  illegal  transaction(s)  as  determined  by 
applicable  law;  and  that  any  such  use, including any 
such authorized use, will constitute an event of default 
under  this  Agreement.    Certain  federal  and/or  state 
laws  or  Card  Service  Providers’  Rules  may  limit  or 
prohibit certain transactions such as (but not limited to) 
those  coded  as  possible  gambling  transactions.  The 
Credit Union may decline to accept, process or pay any 
transaction 
illegal  or 
unenforceable (regarding your obligation to pay us or 
otherwise) under applicable law; or which is otherwise 
limited  or  prohibited,  including  but  not  limited  to  any 
transaction involving or relating to any gambling activity. 
Such  prohibition  or  limitations  may  affect  some 
otherwise  proper  or  allowable  transactions  such  as 
charges incurred at a hotel-casino. You understand and 
agree  such  limitations/prohibitions  are  not  within  the 
Credit Union’s control and that the Credit Union will not 
have  any 
responsibility  or  culpability 
whatsoever for any such use by you or any authorized 
user(s); or for declining to accept, process, or pay any 
such transaction.  You further agree to indemnify and 
hold the Credit Union harmless from any suits, liability, 
damages  or  adverse  action  of  any  kind  that  results 
directly or indirectly from any such use of your account 
and/or access devices. 

liability, 

33. SKIP PAYMENT OPTION:  At our option, we may 
offer  you  the  opportunity  to  not  make  ("skip")  a 
minimum  payment  during  certain  designated  billing 
cycles ("skip payment period").  If you do not make your 
minimum  payments  as  provided  in  this  Agreement, 
during such designated billing cycles, you understand 
that we will continue to apply finance charges to your 
account.  Beginning with the billing cycle following an 
allowed skip payment period, all other provisions of this 
Agreement will apply.  We have no obligation to accept 
your application for any skip payment period offered, 
and 
your 
creditworthiness  including  obtaining  consumer  credit 
reports. We may charge you an application processing 
fee of up to $35.00 for each skip payment period that 
we may offer to cover our costs of investigating your 
qualifications for this extension including but not limited 
to 
the  costs  associated  with  researching  your 
creditworthiness. 

you  authorize  us 

investigate 

to 

34. Visa Account Updater (VAU) VAU is an account 
updating  service  in  which  your  card  is  automatically 
enrolled. When your card(s) expire, are lost or stolen 
and  new  cards  are  issued,  the  service  may  update 
relevant card data (card numbers and expiration dates) 
to appropriate merchants who participate in an effort to 
facilitate  uninterrupted  processing  of  your  recurring 
charges.  This  service  provides  updates  to  a  Visa 
database  only.  The  database  is  accessed  by  those 
qualified merchants seeking your account information 
after  you  have  requested  they  process  a  recurring 

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Rev. 10.03.2017 

payment or payments. This service is provided as a free 
benefit to you. If at any time you wish to opt-out of the 
VAU service or if you have any questions, please call 
(800) 763-8600 to do so. 

OUR BILLING RIGHTS STATEMENT 
KEEP THIS NOTICE FOR FUTURE USE 

This Notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act. 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS 
ABOUT YOU STATEMENT / BILLING AT: 

SAFE Federal Credit Union 
Post Office Box 31112 
Tampa, FL 33631-3112 

If  you  think  your  statement  is  wrong,  or  if  you  need  more 
information about a transaction on your statement, you must 
write to us on a separate sheet of paper to the address listed 
in your periodic statement. You should write to us as soon as 
possible. We must hear from you no later than 60 days after 
we sent you the first statement on which the error or problem 
appeared.  You  can  telephone  us,  but  doing  so  will  not 
preserve your rights. In your letter, you should 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. 

If  you  have  authorized  us  to  pay  your  credit  card  bill 
automatically from your SAFE Federal Credit Union savings 
or checking account, you can stop payment on any amount 
you  think  is  wrong.  To  stop  the  payment,  your  letter  must 
reach  us  three  (3)  business  days  before  the  automatic 
payment is scheduled to occur. 

questioned  amount.  If we didn’t make a mistake, you may 
have  to  pay  FINANCES  CHARGES,  and  you  will  have  to 
make up any missed payments on the questioned amount. In 
either case, we will send you a statement of the amount you 
owe us and the date that it is due. 

If you fail to pay the amount we think you owe us, we may report 
you as delinquent. However, if our explanation does not satisfy 
you and you write us within 10 days telling us that you still refuse 
to pay, we must tell anyone we report you to that you have a 
question about your statement. And, we must tell you the name 
of anyone we reported you to. We must tell anyone we report you 
to that the matter has been settled between you and us when it 
finally is. If we don’t follow these rules, we can’t collect the first 
$50.00  of  the  questioned  amount,  even  if  the  statement  was 
correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES: 

If you have a problem with the quality of property or services that 
you purchased with a credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the property or services. 
There are two limitations on this right: 

1.  You must have made the purchases in your home state 
or,  if  not  within  your  home  state,  within  100  miles  of 
your current mailing address; and 

2.  The purchase must have been more than $50.00. 
3.  These limitations do not apply if we own or operate the 
merchant, or if we mailed you the advertisement for the 
property or services. 

If  you  feel  that  you  need  Counseling  or  Debt  Management 
services, please contact Consumer Credit Counseling Service 
toll  free  at  1-800-251-2227  or  visit  them  on  the  web  at 
www.cccsinc.org. You may also visit www.frbatlanta.org for a list 
of Counseling and Debt Management Services. 

CONTACT INFORMATION 

24 Hour Cardholder Service: 
Call: 1-855-556-1963 

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE 
RECEIVE YOUR WRITTEN NOTICE: 

To Report a Lost or Stolen Visa Card After Hours 
Call: 1-800-449-77278 Outside the US 727-299- 2449(Collect) 

We must acknowledge your letter within 30 days, unless we 
have corrected the error by then. Within 90 days, we must 
either correct the error or explain why we believe the bill was 
correct. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any 
amount you question, or report you as delinquent. We can 
continue to bill you for the amount you question, including 
FINANCE CHARGES, and we can apply any unpaid amount 
against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are 
still  obligated  to  pay  the  parts  of  the  bill  that  are  not  in 
question. 

If we find that we made a mistake on your statement, you will 
not  have  to  pay  the  FINANCE  CHARGES  related  to  any 

SAFE Federal Credit Union Visa Department: 
PO Box 2008 
Sumter, SC 29151-2008 
(803)469-8600 
Toll Free 1-800-763-8600 

Payment Address: 
PO Box 71050 
Charlotte, NC 28272-1050 

To Close the Account: (SEND WRITTEN NOTICE) 
SAFE Federal Credit Union 
P.O. Box 2008 
Sumter, SC 29151-2008 

Page 8 of 9 
Rev. 10.03.2017 

 
 
 
 
Direct All Other Reports, Requests and Inquiries to: 
PO Box 2008 
Sumter, SC 29151-2008 
(803) 469-8600 
1-800-763-8600 

Page 9 of 9 
Rev. 10.03.2017