CREDIT CARD INITIAL 
DISCLOSURE 

Important Disclosure Information 

Travis Credit Union Credit Cards  
Interest Rates and Interest Charges 

Platinum Visa 

Share-Secured1/ Credit Builder Visa 

11.24% to 20.24% 

18.65% 

When you open your account, based on your 
creditworthiness.  After that, your APR will vary with the 
market based on the Prime Rate. 

When you open your account, based on your 
creditworthiness.  After that, your APR will vary with the 
market based on the Prime Rate. 

13.24% to 22.24% 

20.65% 

This APR will vary with the market based on the Prime 
Rate. 

This APR will vary with the market based on the Prime Rate. 

25.00% 

25.00% 

Annual 
Percentage 
Rate 
(APR)* for 
Purchases 

APR* for 
Cash 
Advances 
and Balance 
Transfers 

Penalty 
APR** 

How to Avoid Paying Interest on Purchases 

You have 25 days to repay your balance in full for purchases before 
a finance change will be imposed. 

Minimum Finance Charge 

None 2 

Fees 

MyTravis Rewards Annual Fee 

$0.00 3       Platinum Visa Cards Only 

Transaction Fees 

    Balance Transfer 

2% of the amount of each transfer not to exceed $25.00 

    Cash Advance 

2% of the amount of each cash advance or $10.00, whichever is greater 

    Foreign Transaction 

None 4   

Penalty Fees 

    Late Payment 

    Returned Payment 

$15.00 5 

$15.00  

Card Replacement Fee 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

$5.00  
To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

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*Variable Rates:  The Annual Percentage Rate (APR) may increase or decrease if the highest rate of interest identified 
as the Prime Rate increases or decreases.  The APR will be equal to the Prime Rate plus a margin and will based on your 
credit worthiness at the time you open your account. The interest rate can change on the first day of each billing cycle 
following a change in the Prime Rate.  Any increase will lengthen the time it takes to pay off your loan. 

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 09/14/2020.  Maximum APR 25.00%. 

Details About Interest Rates and 
Interest Calculations for Credit 
Card Products 
Platinum Purchases  
Platinum Cash Advances/Balance 
Transfers  
Credit Builder/Share Secured 
Purchases  
Credit Builder/Share Secured Cash 
Advances/Balance Transfers 

Index 

Margin 

Corresponding APR 

3.25% 
3.25% 

7.99% to 16.99% 
9.99% to 18.99% 

11.24% to 20.24% 
13.24% to 22.24% 

3.25% 

15.40% 

3.25% 

17.40% 

18.65% 

20.65% 

How We Will Calculate Your Balance: We use the average daily principle balance method (including new transactions). 
See the Credit Card Cardholder Agreement and Disclosure Statement for details. 

**Penalty APR: An interest rate adjustment will occur when your account is 60 days or more past due.  If your account is 
60 days past due, the interest rate for existing and new balances will be increased to an APR of 25.00%. The interest rate 
adjustment will terminate if you make the required minimum payments for six consecutive months. 

When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you authorize 
Travis Credit Union to independently verify the information you provided by any lawful means, to exchange credit 
information about you with others; including obtaining information about you from credit or consumer information bureaus 
and agree that Travis Credit Union may at its discretion, from time to time, make inquiries regarding your credit standing 
through consumer credit bureaus and agree to provide financial statements or other evidence to support your income if 
requested.  

Federal law provides important protections to members of the Armed Forces and their dependents relating to 
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable 
to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary 
products sold in connection with the credit transaction; any application fee charged (other than certain 
application fees for specified credit transactions or accounts); and any participation fee charged (other than 
certain participation fees for a credit card account). If at any time you are no longer considered to be a covered 
borrower per the Military Lending Act, these coverages will cease. To access the oral disclosure for your Military 
Lending Act coverages, please call (800) 877-8328 (Press 6 for loans, Option 3 for the disclosure). 

 MLA Covered Borrower       MLA Covered Co-Borrower 

If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your card.  
By using the card you agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement. 

1. 

If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in a 
regular share account based upon credit worthiness. 

2.  Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly 
payment is the greater of 2% of the balance or $20.00. At least one minimum payment must be made each 
calendar month if a loan balance exists. 

3.  Platinum Visa cardholders will be automatically enrolled in MyTravis Rewards. 
4.  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 

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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 
cardholder statement posting date.  The Credit Union has no control over the conversion rate. 
If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be 
charged to the account.  If the minimum payment is less than $15, the late fee will be no more than the amount of 
the minimum payment. 

5. 

This information about credit cards is accurate as of September 14, 2020 and may change after that date.  For current 
information, ask your Member Service Representative or call (707) 449-4000 or (800) 877-8328.  Credit Card accounts 
are exclusively for Travis Credit Union members. 

This disclosure supplements the Credit Card Agreement and Disclosure Statement.  Please keep this disclosure for your 
records. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Cardholder Agreement and Disclosure. 

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CREDIT CARD CARDHOLDER AGREEMENT 
AND DISCLOSURE STATEMENT 

The following terms and conditions governing credit cards constitute a mutually protective service 
agreement (the "Agreement") between you and Travis Credit Union (The “Credit Union.”)  (Please read 
the entire Agreement.) You have applied for a Visa® Credit Card with Travis Credit Union.  If issued, the 
extension of a Credit Card to you under this Agreement will be subject to the following terms, which 
may be amended from time to time.  

Having applied for this card, you have certified that all the information you provided was true and 
correct.  You understand that it is illegal to provide false information in order to obtain the card.  By 
using the card you affirm that you authorized Travis Credit Union to obtain your address from DMV and 
waived address confidentiality rights that you may have under California Vehicle Code §1808.21 and 
comparable laws of other states.  You further authorize the Credit Union to investigate your credit 
standing when opening, renewing, or reviewing your Credit Card Account.  

Changes in Terms 
The Credit Union can change the terms of this Agreement, including the Annual Percentage Rate, by 
giving you written notice 45 days prior to the effective date of the change.  If you do not want the 
changes to apply to your credit card account, you must notify us in writing within 15 days after the date 
of your billing statement or within 15 days of the date a separate change of terms notice was mailed, 
stating your non-acceptance of the terms and indicating your name, address and account number.  Mail 
it to Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696.  If you notify us, your credit card will be 
cancelled, but you can continue to pay off the balance under the old terms.  If you do not notify us or if 
you continue to use your card, the new terms, or new Annual Percentage Rate (APR), will apply to the 
balance of your loan.  Your notice of termination will not affect any unprocessed transactions that 
occurred prior to your written notice of termination, for which you will be obligated.  

Under certain circumstances the credit union can terminate your account without notice.  Please refer 
to the Credit Limit, Default-Lien-Acceleration and Termination sections of this agreement for additional 
information. 

Governing law  
This Agreement is made in California and shall be governed by the laws of the State of California to the 
extent that California Law is not inconsistent with controlling Federal Law.  California’s “Choice of Law 
Rules” will not be applied if they would result in the application of non-California law.  You agree by use 
of this Service that you do hereby submit to the jurisdiction of the courts of California regarding Travis 
Credit Union and that any conflict brought or filed with respect to use of this Service or concerning this 
Agreement shall be brought in a court of competent jurisdiction in Solano County, California.  

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Using your Card  
1.  You consent to the terms of this Agreement by using your credit card.  You continue to be bound for 

all transactions resulting from the use of the card until you have given us written notice of 
termination of your credit card account (the “account”).  This termination will not affect any 
unprocessed transactions that occurred prior to your written notice of termination, for which you 
will be obligated. 

2. 

If the Credit Union approves your application, each applicant will be issued the credit card applied 
for and will be able to use the account.  Each applicant will also be liable to repay the account under 
the terms of this Agreement.  Co-signers who do not have access to the account, are still liable for 
the loan, and will acknowledge receipt of a copy of this Agreement as well as the separate “Notice of 
Co-signer.”  

3. 

If you remove your name from a joint account on which a credit card was issued, you are still 
obligated for any transaction that took place prior to you removing your name.  

4.  You are also obligated to repay any charges resulting from the use of the card by another person 

with your permission, whether or not the person stays within the limits set by you.  

5.  Any persons who use the card are also obligated to repay the Credit Union for all charges incurred 

because of their use of the card.  

6.  You remain bound to pay for charges under this Agreement even though another person has been 

directed to pay the debt by agreement or court order such as a divorce decree.  

7.  To make a purchase or get a cash advance, present the card to a participating Credit Card plan 
merchant, to us, or to another financial institution and; sign the sales or cash advance draft 
imprinted with your card number.  Keep a copy of the draft to verify your monthly statement.  

8.  Your Credit Card may also access designated Automatic Teller Machines (ATMs) showing the Credit 
Card logo.  The use of your Credit Card for ATM access is subject to additional ATM disclosure terms 
included in this disclosure.  

9.  Foreign Transactions and Charges.  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 cardholder statement posting date. The Credit Union 
has no control over the conversion rate.  In addition to the conversion rate selected by Visa®, a 
separate Visa International Service Assessment Fee is charged to the Credit Union and will be 
charged to your account in the amount disclosed on the Credit Card Initial Disclosure. 

10.  Unlawful Activity.  You agree not to use any financial service provided by Travis Credit Union, 

including without limitation any credit cards, debit cards, loan transactions, or share checking or 
savings accounts, for any illegal or unlawful purpose.  Any illegal or unlawful use of Travis Credit 
Union financial services by you may, at the option of the Credit Union, be deemed an event of 

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default or breach of contract with respect to the service(s) in question and your use of such service(s) 
may be terminated or restricted.  You and any co-signers or joint accountholders agree to defend, 
indemnify and hold Travis Credit Union harmless from and against any and all claims, damages, lawsuits, 
liabilities, losses, injuries and costs, including attorney’s fees, arising out of, caused by, or related to your 
unlawful or illegal use of Travis Credit Union financial services.  

Internet gambling may be illegal or unlawful in the state, country or other jurisdiction in which you are 
located or in which you perform a transaction or use a Travis Credit Union financial service, including a 
debit card, or Visa® credit card. Display of a Visa®, or other payment logo by an online merchant does 
not mean that Internet gambling transactions are lawful in the jurisdiction(s) in which you may be 
located.  

Illegal or unlawful use of Travis Credit Union financial services by you may also result in the suspension 
or termination of your Travis Credit Union membership.  

11.  Transaction Limitations.  For security reasons there are limits on the number and dollar amount of 
transactions, transfers or withdrawals you can make with your card each month. This includes 
credit, point-of-sale, ATM and other electronic transactions or transfers conducted using your card.  

12. Mobile Wallet. Third Party or Mobile Devices. Smart phones, tablets, and other electronic devices 
allow you to store or electronically present your Account information, and engage in credit transactions 
without presenting your Card (such as through a mobile wallet). Any purchases or transactions made 
through such third party or mobile devices are covered by this Agreement and subject to its terms and 
conditions. We do not control third party or mobile devices and cannot guarantee the performance of 
any such device or any third party. You agree to protect the security of the device the same as you 
would your Card.  

Credit Limit  
1. 

If your application is accepted, the Credit Union will establish a credit limit for you.  The amount will 
be based on many factors including your ability to pay and your creditworthiness.  

2.  Your account will be an open-end or revolving credit account as long as your account is not in 

default or terminated.  This means that you can borrow the full amount of the credit limit, repay the 
principal in full or part and borrow again up to your maximum credit limit as long as you continue to 
be creditworthy.  

3.  The Credit Union has the right to terminate the account without advance notice.  It will notify you in 
writing of the reason for any such denial of credit.  Among the reasons for refusing to advance you 
credit are an adverse change in your credit worthiness, such as not making any or the minimum 
required loan payments, a change in your employment status, your insolvency, bankruptcy, or 
death.  

4.  Your credit limit will be reviewed periodically and you may be requested to provide current 

information. Your borrowing limit may be increased or decreased at any time.  You can apply for an 
increase in your credit limit at any time.  

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5.  Payments received will be applied against the amount owed, and your loan balance reduced 

accordingly.  However, in certain instances, the payment amount may not be immediately applied to 
the available credit on your account.  

Repayment Terms 
1.  You promise to pay to the Credit Union at the address designated on your statement all sums 
advanced to you under this agreement at any time plus a Finance Charge, if applicable.  

2.  The minimum required monthly payment is the greater of 2% of the new balance shown on your 
current statement or $20.00, plus any past due minimum required payment and any amount that 
exceeds your approved credit limit.  At least one minimum payment must be made each calendar 
month if a loan balance exists.  

3.  The Credit Union will make available monthly statements of your Credit Card account which will 

advise you of the status of your account and other information required by law.  

4.  Any advance, together with your current outstanding balance, which for any reason is in excess of 

your authorized credit limit, must be reduced to the authorized limit by a single lump sum payment 
by you, upon written notification by the Credit Union.  

5.  The balance owed by you, including accrued Finance Charges on the unpaid balance, may be repaid 

in full at any time without prepayment penalty.  

6. 

If the payment exceeds the outstanding balance of your credit card account, the amount over the 
credit limit will be transferred to your regular savings account.  In certain instances, a hold may be 
placed on the portion credited to your savings account and may not be available for immediate 
withdrawal.  If this occurs, a notice will be provided, advising you of the amount held, the date 
available and the reason for the hold.  

7.  Payments may be made by mail, electronically, by phone (See How to Contact Us section), or in 

person at any of our branches to an employee of the Credit Union.  

8.  A fee will not be charged for payment by mail, electronic transfer, telephone or other means unless 

it is for an expedited payment.  

Finance Charges 
1.  The Finance Charge is the amount of money that you pay for the money you borrow.  The Finance 

Charge is calculated using the rates reflected on the Annual Percentage Rate (APR) disclosure which 
you received and which is incorporated herein by reference.  

2.  The Finance Charge is calculated by applying the Monthly Periodic Rate to the Average Daily Balance 
for cash advances and the Average Daily Balance for purchases.  The Average Daily Balances for cash 
advances and for purchases are shown separately on your statement.  The APR for cash advances, 
balance transfers or purchases may not be the same, and may result in different finance charges 
depending on the transaction.  

3.  The Average Daily Balance is calculated by adding purchases and cash advances made during the 
statement period. If you had a previous balance as of the beginning of the statement period, it is 

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reduced by any payments and credits and increased by cash advances, non-cash transactions and 
debit adjustments made during the statement period.  The daily principal balances are totaled and 
divided by the number of days in the statement period to arrive at the Average Daily Balance.  

4.  The Finance Charge on cash advances runs from the date of each transaction.  Finance Charges on 
non-cash transactions accrue from the date of posting to your account.  However, if you pay your 
new balance in full within 25 days of your statement closing date, current Finance Charges on non-
cash transactions are waived. Otherwise, a Finance Charge will be imposed on the unpaid average 
daily balance on non-cash transactions from the previous statement closing date until the payment 
date. Cash advances include credit withdrawals at ATMs, online transfers, over the counter cash 
advances, and through checking account overdraft protection if that option has been selected.  

5.  The fee for each cash advance obtained on your Credit Card account will be 2% of the amount of 
each cash advance or $10, whichever is greater.  A cash advance charge is included as a Finance 
Charge under federal requirements.  

6.  The Finance Charge continues to accrue until the date of payment on cash advances or purchases 

carried forward from the previous statement.  

7.  No Finance Charges will be imposed for any purchases paid off within 25 days of the closing date of 
the billing cycle.  No Finance Charges will be imposed during the current billing cycle for repaid cash 
advances posted to your account during previous billing cycles.  

8.  A partial payment will not reduce the current month’s Finance Charge.  The Finance Charge 

continues to accrue on the same basis on the total unpaid principal balance.  

9.  Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) 
before balances with higher APRs (such as Cash Advances).  Payments made in excess of the 
minimum payment will generally be applied to the balances with the higher APRs first before 
balances with lower APRs. 

10. The APR is a variable rate and may increase or decrease based on the U.S. Prime Rate as published in    
the Money Rates section of The Wall Street Journal.  Refer to the Credit Card Initial Disclosure for 
details. 

11. An interest adjustment will occur when your account is 60 days or more past due. Refer to the Credit 
Card Initial Disclosure for details. 

Other Charges  
Late Charges.  If the minimum monthly payment is not received at the address shown on your 
statement within 15 days of due date, a late charge of $15.00 will be charged to the account.  If the 
minimum payment is less than $15, the late fee will be no more than the amount of the minimum 
payment.  

Returned Items.  Each time a check or other transfer processed by the Credit Union as a payment on 
your account is returned unpaid, an additional charge of $15.00 will be imposed.  

Replacement Card.  A charge of $5.00 will be imposed for each replacement card.  

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Balance Transfer Fee.  The fee will be 2% of the amount transferred, not to exceed $25.00  

Honest Dealing 
You will promptly notify the Credit Union of any information that affects your creditworthiness or ability 
to pay off the loan including but not limited to a change in address or employment. You will not apply to 
increase the credit balance if you have reason to believe that you will be unable to make the scheduled 
payments.  

Additional Terms Applicable to Co-Signers  
As a co-signer you understand that you are obligated to repay any amount borrowed under this 
agreement up to the credit limit established by the Credit Union for the applicant to the same extent as 
the applicant.  The Credit Union can proceed against you if the payments are delinquent even before it 
seeks to recover from the borrower.  The Credit Union will give you notice of any action it takes that 
could have an adverse effect on your credit standing.  Any extension of the payoff or partial settlement 
with the borrower will not waive any of the Credit Union’s rights against you as the co-signer.  You can 
stop being obligated for future loan advances only by writing to the Credit Union to that effect.  But you 
will still be jointly and individually liable with the borrower for the repayment of the existing loan 
according to the terms of the Agreement.  

Security Interests – Applies to Secured Visa Only 
The Credit Union may require you to pledge a specified amount on deposit in one or more of your Credit 
Union share accounts as security for repayment of all amounts loaned to you under the terms of this 
Agreement, and by using the credit card you understand and agree that if you secure your credit card 
loan by specifically pledging an amount on deposit, you cannot withdraw the funds pledged from the 
account as long as the pledge is in effect.  If you default in your payments under the terms of this 
agreement, the Credit Union has the right to apply the amount specifically pledged to pay off the Credit 
Card account in full or in part.  The amount pledged and the account will be shown on a separate 
security agreement.  

Default – Lien - Acceleration 
If you are in default on your payments or; your creditworthiness declines or; you become insolvent or; 
you file for bankruptcy;  or die, or any attachment or garnishment proceeding are initiated against you 
or your property, you will no longer have an active Credit Card account.  The Credit Union will, at its 
option, terminate your account and declare the entire unpaid balance of the account due and payable 
immediately without notice.  Even if the Credit Union accepts a late payment or partial payment, it is not 
waiving its right to accelerate the payment of the account and declare the entire unpaid balance due.  

Communications 
You agree the Credit Union may call or send text messages to you regarding this account or any other 
account you have at the Credit Union now or in the future at any telephone number that you provide to 
the Credit Union or that the Credit Union obtains from other sources. (References to "the Credit Union" 
in this section include, but are not limited to, employees of and third parties acting on behalf of the 
Credit Union.)  This authorization includes calls and text messages made to cell phones and wireless 
devices using an automated dialing system or prerecorded message.  You represent that you have not 
provided, and you promise that you will not provide, the Credit Union with any telephone number 

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assigned to a cellular device unless that number is assigned to an account in your name at a wireless 
carrier unless you have notified the Credit Union otherwise in writing, and that you will notify us in 
writing within three business days after any such number stops being assigned to you.  Because the 
Credit Union is extending products, services and/or concessions to you in reliance on those promises 
and agreements, you waive the right to revoke them in whole or in part. 

Collection Costs  
You agree to pay all reasonable cost of collection incurred by the Credit Union before and after suit is 
filed.  If we have to take legal action to collect what you owe us, you agree to pay our reasonable 
attorney’s fees and court costs in addition to other amounts you owe us, whether the legal action we 
take is a collection lawsuit, a bankruptcy proceeding, an appeal, an action to collect a judgement we 
have against you, or another type of proceeding.  

Termination  
We can terminate your Credit Card account without prior notice, reduce or cancel all credit available on 
the account, refuse to make further advances, and revoke all cards issued on the account for any breach 
of this Agreement.  Termination of the account does not relieve you of the obligation to repay the full 
account balance due under this Agreement.  

MyTravis Rewards – Does not apply to Credit Builder or Share Secured 
All Visa cardholders will be automatically enrolled in MyTravis Rewards. For terms and conditions, see 
the MyTravis Rewards disclosure.  

Other Rights  
1.  Unauthorized use of lost or stolen cards.  You may be liable for the unauthorized use of any card 
issued to you after its loss or theft. We may increase the limit of your liability if we reasonably 
determine, based on substantial evidence, that you were negligent or fraudulent in the handling of 
your account or card, or participated in the transaction. 

Notify us of the loss or theft at our 24-hour telephone number (800) 787-9908 and call the regular 
Credit Union office as well at (707) 449-4000 or (800) 877-8328. Any written inquiries should be sent 
to Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696-2069.  You agree to notify us at once of 
the loss or theft and to cooperate in our determination of the circumstances.  

You give your consent to the Credit Union to release any information regarding your card and/or 
card account to any local, state, and/or federal law enforcement agency so that the information can, 
if necessary, be used in the investigation and/or prosecution of any person(s) who may be 
responsible for fraud involving your card and/or card account.    

2.  Credits.  If your credits and payments exceed what you owe us, we will transfer any amount over 
your credit limit to your regular savings account.  Consistent with the law, we will promptly credit 
your payments so you do not incur unnecessary Finance Charges; however, we reserve the right to 
hold refunds until final collection of items you present for payment on your Credit Card account.  

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General Terms  
The terms of this agreement must be read together as a part of the whole agreement.  When the 
singular is used the plural is implied if there is more than one signer.  If any part of this agreement is 
found to be invalid, the other parts shall remain in effect. Applicable Federal and State of California laws 
shall govern the interpretation of this agreement.  

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This notice contains important information about your rights and our responsibilities under the Fair 
Credit Billing Act.  

State and Local Law 
The following summary of your rights under Federal law does not cover all rights you may have under 
State and local law.  If under State or local law, you have a longer period of time in which to send an 
inquiry to the Credit Union concerning your statement, reliance on any such longer time period may 
result in you losing your important rights which could be preserved by acting more promptly under 
Federal law.  State or local provisions, if any, only become operative upon the expiration of the time 
period provided by Federal Regulation Z for submitting a proper written notification of an error.  

Notify us in case of errors or questions about your billing statement or electronic transfers 
If you think your statement is wrong, or if you need more information about a transaction on your 
statement, write us at the address listed on your statement.  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 at (707) 449-4000, but doing so will not preserve your rights.  We will 
request that you send us your questions in writing.  

In your letter, give us the following information:  
1.  Your name and account number.  
2.  The dollar amount of the suspected error.  
3.  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.  

How to stop a payment of a pre-authorized electronic fund transfer  
If you have authorized us to make your credit card payment automatically from your share or Credit 
Union checking account, you can stop the payment on any amount you think is wrong.  To stop the 
payment you must contact us within three business days before the automatic payment is scheduled to 
occur.  If you telephone your request, we may require you to confirm your oral request in writing.  If you 
fail to do so, your oral request will terminate 14 days after it is made.  If you order us to stop one of 
these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will 
be liable for your losses or damages.  

Your rights and our responsibilities after we receive your written notice  
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 statement was correct.  

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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 your statement that are not in 
question.  
If we find that we made a mistake on your statement, you will not have to pay any Finance Charges 
related to any questioned amount.  If we didn't make a mistake, you may have to pay Finance 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 and the date that it is due.  

If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our 
explanation does not satisfy you and you write to us within ten 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 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 your 
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 purchase in your home state or, if not within your home state, within 100 

miles of your current mailing address; and  

2.  The purchase price must have been more than $50.00.  These limitations do not apply if we own or 

operate the merchant, or if we mailed you the advertisement for the property or services.  

Notice to California residents 
1.  Under California law our right to recover credit extended to you for purchases is subject to any 

defenses that you have against the seller if:  
a.  The purchase price in question exceeded $50.00;  
b.  The purchase was made in California;  
c.  You made a written demand of the retailer and made a good faith attempt to get 

satisfaction of your complaint.  

d.  You notified us in writing of the name of the seller, the date of purchase, the price paid, the 

goods or services purchased, the nature of your defense, the actions which you took to   obtain 
satisfaction from the seller.  

2.  The amount to which the defense applies is limited to the amount outstanding on the purchase as 

well as late charges and Finance Charges at the time the written demand is received by us.  
3.  This remedy is the only one you have against us.  Your rights are limited to those circumstances 
outlined in California Civil Code 1747.90.  Purchases with cash or check are not included in this 
section even though you used your Credit Card to validate your credit.  

4.  We cannot penalize you by either giving out unfavorable credit information about you or canceling 

or refusing to renew your Credit Card account solely because you obtained relief under the 
remedies you have for correcting billing errors. 

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ATM DISCLOSURE 

This part of the disclosure applies to use of your Credit Card to obtain cash advances on your Credit Card 
account at Automated Teller Machines (ATM).  Please refer to your ATM Card disclosure for disclosures 
applicable to ATM use for purposes other than obtaining cash advances on Credit Card accounts.  

You may use your Card and Personal Identification Number (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.   

Advances at authorized ATM's are limited to a total of $500.00 during any 24-hour period.  This amount 
may be lower based on available credit balance or individual machine cash limitations.  

Documentation of Transactions  
ATM cash advances using a credit card will be shown on your monthly statement mailed to your address 
of record.  For this reason, always keep the Credit Union informed if your mailing address changes.  You 
will have the option to receive a receipt each time you use your card.  Always compare the receipt 
against your account record and statement.  

Credit Union Liability 
Travis Credit Union shall be held liable for damages caused in the case of a failure on our part.  However, 
if the action or failure to act was not intentional and resulted from a good faith error, even though we 
maintain procedures reasonably adapted to prevent such error, we shall be liable for only actual 
damages.  

There are some exceptions to the extent of Travis Credit Union's liability. We will not be liable, for 
instance:  

1. 

2. 

3. 
4. 

5. 

6. 

7. 

If, through no fault of ours, you do not have enough money in your account to complete the 
electronic transaction and the transaction would go over the authorized credit limit.  
If the funds in your account are subject to legal process or other encumbrances restricting such 
transfer.  
If the ATM where you are making the transfer does not have enough cash.  
If the terminal was not working properly and you knew about the breakdown when you started 
the transfer. 
If circumstances beyond our control (such as fire, flood, earthquake, labor disputes, power or 
computer failure) prevent the electronic transaction from being completed, despite reasonable 
precautions that we have taken.  
If there are other lawful exceptions established by the Credit Union and you are given proper 
advance notice of them.  
In no event will the Credit Union be liable for consequential indirect costs or damages.  

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HOW TO CONTACT US  

Call (707) 449-4000 or (800) 877-8328 8:00 a.m. to 7:00 p.m., Monday through Friday or 9:00 a.m. to 
5:00 p.m. on Saturdays, excluding holidays (Pacific Time)  

You may also visit any Credit Union office or write us at the address below:  
Travis Credit Union  
Attn: Card Services Department  
P.O. Box 2069  
Vacaville, CA 95696-2069  

CCHDISC 09/20 

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