Bellco Credit Union 
Application and Solicitation Disclosure 
Visa® Platinum Rewards Credit Card 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases  

11.90% to 21.00% when you open your account, based on your 
creditworthiness.      

APR for Balance Transfers  11.90% to 21.00% when you open your account, based on your creditworthiness.      

After that, your APR will vary with the market based on the Prime Rate.      

APR for Cash Advances 

After that, your APR will vary with the market based on the Prime Rate.      
18.25% 

This APR will vary with the market based on the Prime Rate.      

Penalty APR and When it 
Applies 

None 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on purchases if you pay your entire balance by the due date each 
month.   

Minimum Interest Charge 

None 

For Credit Card Tips from 
the Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.  

Fees 
Annual Fee 

Transaction Fees 

•  Balance Transfer 

•  Cash Advance 

•  Foreign Transaction 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

None 

Either $10 or 4% of the amount of each balance transfer, whichever is greater (maximum 
fee: $75) 
Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum 
fee: $75) 
1% of each transaction in U.S. dollars. 

Up to $25 
Up to $10 

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” 

The information about the cost of the card is accurate as of August 1, 2011.  This information may have changed after that 
date.  To find out what may have changed, call us at 303.689.7800 or 1-800-BELLCO1 or write us at Bellco Credit Union, 
P.O. Box 6611, Greenwood Village, CO 80155-6611.

 
 
 
    
 
 
 
 
 
 
 
 
VISA®, VISA® PLATINUM, VISA® PLATINUM REWARDS CREDIT CARD AGREEMENT AND 

TRUTH IN LENDING DISCLOSURE PROVISIONS 

(Please refer to the Account Opening Disclosure for additional information regarding this Credit Card Agreement.) 

As used herein, the following words have the following meanings: (i) “account” means the revolving credit card account established on your behalf in connection 
with  the  Card;  (ii)  “agreement”  means  this  Credit  Card  Agreement  and  Truth-in-Lending  Disclosures;  (iii)  “card”  or  “cards”  mean  the  VISA®,  VISA®  Platinum, 
VISA® Platinum Rewards credit card(s) issued by us in connection with your account; (iv) “you” and “your” mean any person who applies for, signs or uses the Card; 
(v) “we,” “us” and “our”mean Bellco Credit Union. This agreement governs the use of the card and the account. By applying for the card or by signing or using the 
card, you have agreed to be bound by the terms of this agreement.  

UNIVERSAL PROVISIONS. The following provisions apply: 

(a)  Name, Address and Phone Number. 

BELLCO CREDIT UNION 
P.O. Box 6611 
Greenwood Village, CO 80155-6611 
(303) 689-7800 
1-800-BELLCO1 

(b)  Business Hours. (Holidays Excluded) 
PHONE CONTACT CENTER 
Monday-Friday  8:00 a.m. to 5:00 p.m. 
BRANCH LOCATIONS  
Varies by location. Visit www.bellco.org or call for information about the branch nearest you. 

(c)   Ownership of Your Card. The card(s) issued to you remains our property. You may surrender them at any time and you must recover and surrender all cards 

upon our request and  upon termination of this agreement.  

(d) 

Investigation Authorization. You authorize us to investigate your credit record and verify your credit, employment and income and further authorize any person, 
association,  firm,  corporation  or  personnel  office  to  furnish  on  our  request,  information  pertinent  to  evaluation  of  your  creditworthiness.  You  authorize  us  to 
obtain  information  concerning  your  creditworthiness  from  consumer  reporting  agencies,  both  now  and  in  connection  with  updates,  renewals,  and  later  credit 
extensions. If we take adverse action on your account as a result of information obtained from a consumer reporting agency, we will advise you of that fact and 
supply you with a name and address of the reporting agency making the report. 

(e)  Fees and  Charges.  Any  fees  or  charges  for  which  you  may  be  responsible  will  be  disclosed  in the  Account Opening  Disclosure.  Please  refer  to  the  Account 
Opening Disclosure for additional information regarding this Credit Card Agreement. The credit union has the right to change the terms of this Plan from time to 
time  after  giving  you  any  advance  notice  required by  law.  Any  change  will  apply  to  future  advances.  At  the  discretion  of  the credit union  and  subject to  any 
requirements of the applicable law, the change in terms will also apply to unpaid balances. 

(f)  Change of Name, Address, Employment. Within fifteen (15) days you agree to notify us of any change in your name, address, or employment. 

(g)  Joint and Several Liability. If your account is a joint account any one of you who sign the account may use the card(s) or obtain advances from the account. All 
charges made to your account by us, upon use of any, of the services by any one of you, or by another person with the consent or assent of any one of you, shall be 
fully binding on both or all of you. 

(h)  Amendments Modifications. We have the right to change the terms of this agreement from time to time after giving you any advance notice required by law. 
Any change will apply to future purchases and cash advances. In our sole discretion and subject to applicable law, the change in terms will also apply to unpaid 
balances. 

(i)  Acknowledgement. You acknowledge receipt of a copy of this agreement. We will not be liable if an electronic terminal fails to function for any reason, whether 
or not this malfunction is known to you; nor if a card previously reported lost or stolen is recovered and attempted to be used either at any electronic terminal or 
through a merchant before we have been notified and have had ample time to reinstate the card.  

(j)  Responsibility. You agree to repay all debts, interest and fees arising from the use of the card, and the card account jointly and severally. You are also responsible 
for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by 
notifying us, but we will close the account for new transactions if you so request and return all cards. Your obligation to pay the account balance continues even 
though  an  agreement,  divorce  decree  or  other  court  judgement,  to  which  we  are  not  party,  may  direct  you  or  one  of  the  other  persons  responsible  to  pay  the 
account. Any person using the card is jointly and severally responsible with you for charges he or she makes, but if that person signs the card, he or she becomes a 
party to this agreement and is also jointly responsible for all charges on the account, including yours. 

(k)  Credit Limit. If we approve your application, we will establish a self-replenishing line of credit for you and notify you of its amount when we issue the card. You 
agree not to let the account balance exceed this approved credit limit. At any time your total new balance exceeds your credit limit, you must immediately pay the 
excess upon our demand. Each payment you make on the account will restore your credit limit by the amount of payment which is applied to principal. You may 
request an increase in your credit limit only by written or telephone application to us, which must be approved by our loan officer. We may reduce your credit 
limit from time to time, or revoke your card and terminate this agreement. You may also terminate this agreement at any time, but termination does not affect your 
obligation to pay the account balance. 

(l)  Monthly Payment. We will mail you a statement every month provided you have an outstanding balance. You must pay, in U.S. dollars, at least the Minimum 
Payment Due by the payment due date or you will be in default. The minimum payment will be disclosed on your statement based on the disclosure contained in 
this agreement.  

 
 
 
 
 
 
 
 
 
 
 
 
(m)  Minimum Payment Due.  The minimum payment due each month will be either (a) the entire New Balance shown on your billing statement if the New Balance 

is less than $10.00; or (b) the greater of $10.00 or an amount equal to 2% of the New Balance. 

(n)  Late Charge. If you make a late payment, you agree to pay a late charge if one is disclosed in the Account Opening Disclosure. 

(o)  Finance Charge. 

Grace  Period  for  Purchases.  We  will  not  charge  you  interest  on  the  Average  Daily  Balance  of  Purchases  during  a  statement  period  in  which  the  Previous 
Balance (the “New Balance” on the previous statement) is $0.00 or, if there is a Previous Balance, when the Previous Balance is paid in full within twenty-five 
(25) days of the statement closing date. Cash advances are always subject to interest charges from the date they are posted to your account. 

(p)  Credit Authorizations. Certain purchases and cash advances will require our authorization prior to completion of the transaction.  In some cases,  you may be 
asked to provide identification. If our authorization system is not working, we may not be able to authorize a transaction, even if you have sufficient available 
credit, we will not be liable to you if any of these events happen. We are not responsible for the refusal of any plan merchant or financial institution to honor your 
card. 

(q)  Default. If you do not make at least the Minimum Payment Due by the Payment Due Date each month, you will be in default. You will also be in default if your 
ability to repay us is materially reduced by a change in your employment, increase in your obligations, bankruptcy or insolvency proceedings involving you, your 
death or your failure to abide by this agreement, or if the value of your security interest materially declines. We have the right to demand immediate payment of 
your full account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay all 
collection costs, including court costs and reasonable attorney fees of 15% of the unpaid debt after default, plus any fees incurred as a result of bankruptcy. 

(r)  Liability  for  Unauthorized  Use,  Lost  or  Stolen  Cards.  You  may  be  liable  for  the  unauthorized  use  of  your  credit  card.  You  will  not  be  liable  for  the 
unauthorized use that occurs after you notify us orally or in writing, of the loss, theft or possible unauthorized use. Call us at once at (303) 689-7918 or write to us 
at Bellco Credit Union, Credit Card Department, P.O. Box 6611, Greenwood Village, Colorado 80155-6611. In any case, your liability will not exceed $50.00. 
Under Colorado law you may be liable if your Card is lost or stolen and subsequently used by an unauthorized person at a communications facility, for no more 
than the lesser of $50.00; or the amount of money, goods or services, obtained by the unauthorized use prior to notice to us of the loss or theft, provided that you 
shall have no liability if such use occurs through no fault of yours. A use is unauthorized where you have not given actual, implied or apparent authority for such 
use, and have received no benefit from such use. Such liability does not apply when the card is used to make an electronic fund transfer. 

(s)  Foreign Transactions. A 1% International Transaction Fee will be assessed by Visa on all transactions where the merchant country differs from the country of 
the card issuer. The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the 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, plus 1%. In addition, an International Service Assessment of 0.8% will be assessed on foreign transactions that do not involve a 
currency conversion (i.e., a purchase in Mexico in U.S. dollars). 

(t)  Questions and Billing Errors. Please let us know right away if you have any questions about your statement of account. If you think we have made a mistake in 
your statement, please refer to the billing error statement below or the billing error statement included with your monthly statement. This tells you your rights to 
dispute billing errors. 

(u)  Assignment of Account. We may sell, assign or transfer your account or any portion thereof  without notice to  you. You may not sell, assign or transfer your 

account without first obtaining our prior written consent. 

(v)  Governing  Law.  This  agreement  will  be  governed  by  the  laws  of  the  State  of  Colorado  and  applicable  federal  laws.  If  any  part  of  this  agreement  becomes 

unenforceable, it will not make any other part unenforceable. 

(w)  Illegal Use. You agree not to use and will not permit anyone else to use the card unlawfully or for any illegal purpose, activity or transaction. 

F.44326 Rev. 8/11 

IIN 2072