you will pay. While partial payments of your balance will not advance 

your  next  payment  due  date(s),  any  payment  that  accelerates  the 

payment of your unpaid balance will decrease your monthly periodic 

Interest  Charge  and  any  payment  that  delays  the  payment  of  your 

unpaid  balance  will  increase  your  monthly  periodic  Interest  Charge.

ANNUAL PERCENTAGE RATE: The VISA Platinum Annual Percentage 

Rate  for  Purchases  and  Advances  is  10.9%  with  a  corresponding 

Monthly Periodic Rate of .908%. The VISA Classic Annual Percentage 

Rate  for  Purchases  and  Advances  is  16.5%  with  a  corresponding 

Monthly  Periodic  Rate  of  1.375%  to  the  portion  of  the  Average  Daily 

Balance of Purchases or Advances that is less than or equal to $2500 

and 10.9% with a corresponding Monthly Periodic Rate of .908% to the 

portion  of  the  Average  Daily  Balance  of  Purchases  or  Advances  that 

is greater than $2500 during the billing cycle covered by the periodic 

Statement. We have provided you with a separate written record stating 

the Annual Percentage Rate for Purchases and Cash advances on your 

Account and that record is made part of this Agreement by this reference. 

MONTHLY PERIODIC RATE: The Monthly Periodic Rate is determined 

by dividing the Annual Percentage Rate by twelve (12 months in a year).

GRACE  PERIOD:  To  avoid  incurring  additional  Interest  Charges  on 

the new balance for Purchases reflected on your monthly statement, 

you must pay the new balance shown on your monthly statement on or 

before the Payment Due Date. Your due date is at least 25 days after the 

close of each billing cycle. We will not charge you interest on Purchases 

if your new balance is paid in full by your Payment Due Date and your 

previous balance was paid to zero by the previous Statement Payment 

Due  Date  or  if  your  previous  Statement  reflected  a  credit  balance. 

We will begin charging interest on Advances on the transaction date. 

the daily balance of Advances for that day. We add together all the daily 

Account Convenience Checks if, for example, the amount of the Account 

Account.  A  merchant  or  financial  institution  may  in  the  course  of 

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

balances of Advances for each day in the billing cycle and divide the 

Convenience  Check  would  cause  you  to  exceed  your  Credit  Limit,  if 

accepting  the  Card  ask  you  to  surrender  a  Card  and  you  agree  to 

You understand that we will disclose data to third parties about you and 

error or explain to you why we believe the bill is correct.

total by the number of days in the billing cycle. This result is the Average 

you are in default, if you did not comply with the instructions included 

do  so.  Cancellation  or  revocation  of  your  Card  will  not  relieve  your 

your Account when it is necessary to complete the transaction; in order to 

Daily Balance of Cash Advances. This determines your total Interest for 

with the Account Convenience Check, the Account Convenience Check 

obligation to pay any amounts that may be due under this Agreement.

verify the existence and condition of your account for a third party, such 

the billing cycle. The actual period Interest Charges will be shown on 

appears  altered  or  is  missing  information,  the  Account  Convenience 

your Statement. You will be charged Interest Charges only to the date 

Check was used by someone other than the person to whom we sent 

you repay your entire Account balance. Making larger than Minimum 

the Account Convenience Check, the Card has expired or was revoked, 

Monthly Payments may reduce the total amount of Interest Charges that 

or the Account is closed or suspended. 

RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  your 

Account is returned to us unpaid for any reason, you may be charged 

a fee in the amount of $25. This fee will also apply to any automatic 

payments.

FOREIGN PAYMENT COLLECTION FEE: If you sent us a payment for 

your Account that is in other than U.S. Dollars and we attempt to collect 

the funds, you may be charged a fee in the amount of $30. This fee will 

be charged whether or not the funds were collected. 

ACCOUNT  RESEARCH  or  RECONCILIATION  FEE:  If  you  request 

us  to  reconcile  your  Account  or  search  for  a  specific  transaction 

posting,  we  may  impose  a  fee  in  the  amount  of  $30  whether  or  not 

the transaction was located. The minimum fee is $7.50 and charged in 

increments of 15 minutes. 

CREDIT INFORMATION: You agree that all statements made in your 

application for your Account were made for the purpose of obtaining 

credit and are true, correct and complete to the best of your knowledge 

and  belief.  You  agree  to  update  the  credit  information  you  have 

provided  us  at  our  request  or  if  there  has  been  a  significant  change 

in  your  financial  condition.  You  agree  that  we  may  investigate  your 

creditworthiness  at  any  time.  You  authorize  us  to  obtain  information 

from  others,  including,  but  not  limited  to  credit  reporting  agencies, 

MEMBERSHIP  REQUIREMENT:  You  must  be  a  Member  in  good 

standing with us to be eligible for an Account with us. We may suspend 

Card privileges, including closing the Account, if you do not maintain 

your Membership with us.

WAIVER OF RIGHTS: We may waive, decline or delay enforcing any of 

our rights under this Agreement or the law any number of times without 

losing our right to enforce them at a later date and without affecting any 

of our other rights.

SEVERABILITY:  Should  any  provisions  of 

this  Agreement  be 

determined to be invalid or unenforceable, that determination shall not 

affect the validity or enforceability of any other provision and the remaining 

provisions of this Agreement shall remain in full force and effective.

TELEPHONE MONITORING: You consent and authorize us to listen to 

and/or record telephone calls between you and us as well as any of our 

service partners that you may call or that may call you for the purpose 

of monitoring the quality of service you receive.

PERSONAL  IDENTIFICATION  NUMBER:  A  Personal  Identification 

Number (PIN) will be issued for new Accounts. Once the PIN mailer is 

received by you, you may change and personalize the PIN by following 

the instructions in the PIN mailer. Your PIN may be used by you with 

your  CARD  to  obtain  an  Advance  against  your  Credit  Limit  at  any 

Automated Teller Machine (ATM) displaying the VISA logo or to make 

Purchases at designated point of sale (POS) machines. Please keep 

your PIN confidential and do not write it on or keep it with your Card. 

as a credit bureau or merchant; in order to comply with a law, government 

agency, court orders, or other legal process; in order to provide awards 

and services provided by, or in conjunction with, VISA and its respective 

contractors;  or  if  you  give  us  your  prior  oral  or  written  permission.

While we investigate whether or not there has been an error:

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

not continue to charge you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

BENEFITS, FEATURES, ENHANCEMENTS OR SERVICES: We may 

responsible for the remainder of your balance.

provide  or  offer  benefits,  features,  services  or  enhancements to  your 

•  We can apply any unpaid amount against your credit limit.

Account.  Some  may  be  at  no  cost  to  you  and  others  may  involve  a 

specified  cost.  You  understand  that  we  are  not  obligated  to  provide 

or  offer  such  benefits,  features,  services  or  enhancements  and  may 

withdraw or change them at any time.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the 

CHANGE OF TERMS: This Agreement is the contract which applies to 

amount in question, along with applicable interest and fees. We will 

all transactions on the Account, even though the Purchase, Advance, 

send you a statement of the amount you owe and the date payment 

credit  receipts  or  other  documents  you  sign,  agree  to,  or  receive, 

is due. We may then report you as delinquent if you do not pay the 

may  contain  different  terms.  We  may  amend  this  Agreement  at  any 

amount we think you owe.

time.  We  may  amend  it  by  modifying,  adding,  deleting  or  changing 

any  provision,  term,  condition,  service,  or  feature  at  anytime.  When 

we amend this Agreement, we will comply with the applicable notice 

requirements  mandated  by  the  laws  that  are  in  effect  at  that  time. 

Unless  we  state  otherwise  or  as  prohibited  by  law,  the  amended 

Agreement will apply to the total unpaid outstanding balance including 

the balance existing before the amendment became effective and any 

If you receive our explanation but still believe your bill is wrong, you 

must write to us within 10 days telling us that you still refuse to pay. If 

you do so, we cannot report you as delinquent without also reporting 

that you are questioning your bill. We must tell you the name of anyone 

to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 

organizations know when the matter has been settled between us.

subsequent transactions. If an Amendment gives you the opportunity 

If we do not follow all of the rules above, you do not have to pay the first 

to  opt  out  of  the  change  and  if  you  opt  out  in  the  manner  provided 

$50 of the amount you question even if your bill is correct.

in  such  Amendment,  we  may  terminate  your  ability  to  use  additional 

credit and we may ask you to return your Card as a condition of your 

rejection.  We  may  replace  your  Card  with  another  Card  at  any  time. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 

purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to 

correct the problem with the merchant, you may have the right not to 

concerning you and your credit accounts. You authorize us to disclose 

LOST, THEFT OR UNAUTHORIZED USE: If you notice the loss or theft of 

information  regarding  your  Account  to  credit  reporting  agencies 

your credit card or a possible unauthorized use of your card, you should 

and  other  creditors.  However,  we  are  not  obligated  to  release  any 

call us at 866 CU SoCal (866.287.6225) during business hours or 800 556 

This  notice  tells  you  about  your  rights  and  our  responsibilities 

pay the remaining amount due on the purchase.

information  to  anyone  unless  we  are  required  by  law  to  do  so.  You 

LOST (800.556.5678) when we are closed. If you are unable to access 

under the Fair Credit Billing Act.

agree  that  we  have  the  right  to  terminate  future  Purchases  and 

the national toll-free telephone numbers, please call us at 562.698.8326. 

Advances against your Credit Limit or reduce your Credit Limit at our 

discretion if your creditworthiness is significantly impaired, changed or 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you 

notify us. You may, however, be liable for unauthorized use that occurs 

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

LATE CHARGE: If your Minimum Monthly Payment is not received by 

different than at the time the Account was opened. If you question the 

us within 14 days of the Payment Due Date, a Late Charge of $10 is 

accuracy of our reported information to a credit reporting agency, write 

imposed. 

STATEMENT  FEE:  If  you  request  a  copy  of  any  Statement  we  may 

impose a fee in the amount of $3.00 per Statement.

in question.

TRANSACTION DOCUMENT FEE: If you request a copy of any sales 

draft, credit voucher or similar document, a fee in the amount of $15 

per document may be imposed by us. This fee will not be imposed, 

however, if it was requested in connection with a Billing Error.

RUSHED CARD FEE: If you request your Card order to be rushed, we 

may impose a fee in the amount of $20.

us at the address listed on your periodic Statement with a description 

of your dispute. If available, please provide a copy of the credit report 

PERSONAL INFORMATION: You agree to promptly notify us of any 

change  in  your  name,  address,  employment,  telephone  numbers  or 

other  contact  information.  The  post  office  and  others  may  notify  us 

of  a  change  of  address.  We  will  notify  you  of  an  address  change 

at  your  previous  address  on  file  when  we  change  your  address. 

CANCELLATION AND REVOCATION: You may cancel your Card at 

any time by notifying us and destroying the Card and Account Checks. 

before your notice to us. In most cases, you will not be liable for any 

  Credit Union of Southern California

unauthorized  transactions  unless  it  is  determined  you  were  grossly 

  P.O. Box 200

negligent or fraudulent in the handling of the card.

  Whittier, CA 90608-0200

In the event your card is used fraudulently, you agree to assist us in 

In your letter, give us the following information:

our investigation and you agree to sign an affidavit of fraud and forgery 

•  Account information: Your name and account number.

asserting the fraud claim.

•  Dollar amount: The dollar amount of the suspected error.

•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 

GOVERNING  LAW:  This  Agreement  is  made  in  California  and  we 

extend credit to you from California. This Agreement shall be governed 

by the laws of the State of California (without regard to its conflict of law 

mistake.

principles) and by any applicable federal law regardless of where you 

You must contact us:

live or where you use the Card. Also, California’s choice of law rules shall 

•  Within 60 days after the error appeared on your statement.

not be applied if that would result in the application of non-California law.

•  At least 3 business days before an automated payment is scheduled, 

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 

100 miles of your current mailing address, and the purchase price 

must have been more than $50. 

(Note: Neither of these are necessary if your purchase was based on 

an advertisement we mailed to you, or if we own the company that 

sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases 

made  with  cash  advances  from  an  ATM  or  with  a  check  that 

accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

purchase, contact us in writing at:

Credit Union of Southern California

PO Box 200

Whittier, CA 90608-0200

describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 

If all of the criteria above are met and you are still dissatisfied with the 

STOP PAYMENT FEE: If you request a stop payment on an Account 

Cancellation  of  your  Card  will  result  in  declined  Authorizations  when 

Check we may impose a fee in the amount of $10 whether or not the 

we  are  contacted  for  approvals.  We  have  the  right  to  revoke  your 

MERCHANT  DISPUTES:  You  understand  that  you  may  not  place, 

if you want to stop payment on the amount you think is wrong.

While we investigate, the same rules apply to the disputed amount as 

VISA® PLATINUM   |   VISA® CLASSIC

CREDIT CARD

AGREEMENT & DISCLOSURE

Account Check is successfully stopped.

REMOVE STOP PAYMENT FEE: If you request that we remove a stop 

payment on an Account Check we may impose a fee in the amount of 

$10 whether or not the Account Check is successfully paid. 

RETURNED  CHECK  FEE:  If  we  decline  to  honor  an  Account 

Convenience  Check  you  may  be  charged  a  fee  in  the  amount  $25, 

with a maximum of three (3) charges per day. We may decline to honor 

use  of  the  Card  at  any  time.  We  can  do  this  with  or  without  cause 

and  with  or  without  giving  you  notice.  Revocation  of  your  Card  will 

result in declined Authorizations when we are contacted for approvals. 

We  may  list  revoked  and  cancelled  cards  in  a  capture  bulletin  and/

or  otherwise  inform  those  requesting  Authorization  approvals  that 

your  Card  is  cancelled.  The  Card  and  Account  Checks  remain  our 

property  and  you  must  recover  and  surrender  or  destroy  all  Cards 

and  Account  Checks  as  requested  or  upon  termination  of  this 

nor  will  we  accept,  a  stop  payment  on  any  transaction  effected  with 

You must notify us of any potential errors in writing. You may call us, but 

discussed above. After we finish our investigation, we will tell you our 

your Card except as described in this Agreement. You understand that 

if you do we are not required to investigate any potential errors and you 

decision. At that point, if we think you owe an amount and you do not 

closing your Account or canceling your Card does not relieve you of 

may have to pay the amount in question.

pay, we may report you as delinquent.

the liability for transactions you or your authorized user(s) participated 

in or previously authorized.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received 

your letter. We will also tell you if we have already corrected the error.

G-12447 | October 2017

866.287.6225  |  CUSoCal.org

 
CREDIT  UNION  OF  SOUTHERN  CALIFORNIA  CONSUMER 
CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING 
DISCLOSURE: 
In  this  Agreement  and  Disclosure  Statement  (Agreement)  the  word 
Card  means  Credit  Union  of  Southern  California  consumer  credit 
card,  card  number,  and  any  other  means  of  accessing  the  line  of 
credit associated with the credit card account and includes the initial 
Card  issued  as  well  as  duplicates  and  renewals  we  may  issue.  The 
word  Account  means  the  line  of  credit  associated  with  the  Card. 
The  words  we,  us,  our  and  ours  mean  Credit  Union  of  Southern 
California  (CU  SoCal).  You,  your,  and  yours  means  any  person(s) 
who applies for a Card, who is a co-signer, who accepts an offer for 
the  Card,  who  uses  the  Card,  whose  name  appears  on  a  Card  or 
Account  Periodic  Billing  Statement  or  who  is  otherwise  liable  for  the 
Account. When we use a singular form of a word it is interchangeable 
with  the  plural  form  of  the  word  and  when  we  use  the  plural  form 
of  the  word  it  is  interchangeable  with  the  singular  form  of  the  word. 

ACCEPTING  THIS  AGREEMENT:  By  activating  your  card  or 
authorizing transactions on your card account, you are accepting 
and  agreeing  to  the  terms  and  conditions  as  stated  in  this 
Agreement.  If  you  do  not  use  the  Card  and  do  not  agree  to  be 
bound by this Agreement, destroy the Card and notify us that you 
wish to cancel your Account. 

ACCOUNT AGREEMENT: This Agreement governs your Account with 
us and using the Card or permitting others to use the Card issued to 
you binds you to the provisions, terms and conditions of this Agreement 
and is your acceptance of this Agreement including any separate sheet 
of  paper labeled “Additional  Disclosure”,  “Addendum”  or  “Change  in 
Terms” and the like which is delivered with or without this Agreement 
now or in the future. Such separate sheets become an integrated part of 
this Agreement by this declaration. This Agreement is also subject to the 
terms and conditions of any other account agreements you have with us.

RESPONSIBILITY  FOR  ACCOUNT:  You  agree  you  are  liable  to  us 
for  the  balance  on  your  Account  including  all  transactions,  Interest 
Charges, other charges, fees and costs described in this Agreement 
and agree to pay us according to the terms of this Agreement arising 
from the use of this Account by you or any other person you permit 
to use your Card (even if that person exceeded the amount for which 
you gave permission.) You are jointly and severally responsible for all 
transactions on the Account. If more than one person is responsible for 
this Account as described in this Agreement, each person individually 
and  all  persons  jointly  are  obligated  to  pay  all  sums  due  under  this 
Agreement.  If  the  Account  is  reallocated,  upgraded,  downgraded, 
acquired, merged, or otherwise changed, you are still obligated under 
this  Agreement  unless  and  until  otherwise  notified.  If  you  decide  to 
close your Account, please notify us in writing and destroy all Card(s) 
on  the  Account.  Any  joint  user,  applicant,  or  other  responsible  entity 
may close the Account, regardless of other joint’s or other responsible 
entity’s preference or disagreement. However, all joint users and other 
responsible  entity’s  remain  liable  for  any  balance  on  the  Account, 
including  but  not  limited  to  new  Interest  Charges,  service  and  late 
charges, debit adjustments, collection fees and cost and transactions 
to  the  Account  that  we  cannot  prevent,  pending  transactions, 
and  transactions  you  have  previously  agreed  to  or  authorized. 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you 
must sign the signature panel on your Card as soon as you receive it. 
Merchants are required to verify the signature on all VISA cards with the 
signed sales receipt. Merchants are required to follow certain security 

procedures  if  presented  with  an  unsigned  card  and  may  refuse  to 

agree that you are responsible for repayment of any and all transactions 

your  Credit  Limit.  Some  merchants  may  request  Authorizations 

Payment Due Date or the payment will be considered past due. You 

and  these  will  be  added  to  your  balance  of  your  Account.  If  you  are 

accept an unsigned card.

you  initiated  by  the  use  Card  whether  deemed  legal  or  illegal. 

for  amounts  that  differ  from  the  actual  transaction  amount.  Some 

understand  that  you  can  repay  the  balance  in  part  or  in  full  without 

in Default, Interest Charges and other charges and fees will continue 

merchants  may  process 

transactions  without  placing  a 

funds 

any  repayment  penalty  at  any  time.  If  you  make  extra  payments  or 

to accrue until you repay your entire loan. We may accept partial and 

hold  against  your  Credit  Limit.  Some  merchants  may  process 

larger amounts in any particular month or months, you are still required 

late payments without losing any of our rights under this Agreement. 

CREDIT  LIMIT:  Your  Card  has  an  Account  limit  (Credit  Limit)  that 

ACCOUNT  CHECKS:  When  available,  you  can  use  Account 

is  established  by  us.  You  agree  that  you  have  received  a  separate 

Convenience  Checks  for  goods  and  services  or  to  obtain  cash 

written  notice  of  the  initial  Credit  Limit.  Your  Credit  Limit  is  also 

against  your  Credit  Limit  in  accordance  to  specific  instructions 

listed  on  your  Account  periodic  billing  Statement.  We  may  change 

limiting  use  when  included  with  the  Account  Convenience  Checks. 

the  limit  at  any  time  and  will  notify  you  by  mail  sent  to  the  address 

Account  Convenience  Checks  are  Advances  as  described  in  this 

of  record  for  the  primary  Account  holder  either  before  or  after  the 

Agreement.  Account  Convenience  Checks  do  not  qualify  for  “YOUR 

change  takes  effect.  If  the  change  was  a  Credit  Limit  increase  that 

RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR  CREDIT  CARD 

you  object  to,  you  must  notify  us  immediately.  You  or  your  joint 

PURCHASES”  described  in  this  Agreement  or  any  other  features  or 

applicant may request a change to your Credit Limit orally, in writing, 

benefits  that  pertain  to  Purchases.  We  are  not  responsible  or  liable 

transactions  without  an  approved  Authorization.  We  may  limit  the 

to  make  a  payment  of  at  least  the  Minimum  Payment  Due  each  and 

number  or  amount  of  approvals  at  anytime  or  deny  transactions 

every month your Account has a balance and your Statement reflects 

when  we  detect  unusual  or  suspicious  activity  without  reference  to 

a Minimum Payment Due amount. However, if your Account is selected 

your  available  Credit  Limit.  We  are  not  liable  for  failing  to  approve 

to participate in a skip payment promotion, you will be notified about 

any  transaction.  While  we  are  not  required  to,  we  may  approve 

the temporary terms of the promotion that you have been offered. Your 

transactions  that  cause  you  to  exceed  your  available  Credit  Limit. 

Minimum Monthly Payment Account terms will return to the terms listed 

We are not liable for approving transactions above your Credit Limit. 

in this Agreement at the end of the promotion. If your Statement has a 

or electronically. If your Credit Limit is increased, you are immediately 

for  the  results  of  any  misrouting  or  delay  in  processing  an  Account 

GAMING  TRANSACTIONS:  You  may  not  utilize  your  Account 

responsible  for  the  entire  Account  Credit  Limit  and  any  increase  in 

Convenience Check for any reason. You may order a stop payment on 

for  any  transactions  or  purchases  of  any  goods  or  services  on 

the  unpaid  balance  even  when  it  differs  from  an  amount  previously 

an Account Convenience Check, provided such a request is timely so 

the  internet  involving  gambling,  betting  or  wagering  of  any  sort. 

credit balance, no Minimum Monthly Payment is due and as allowed 

by law or regulation, we will hold and apply the credit balance against 

future  debits  on  your  Account  or  refund  it  at  your  written  request. 

agreed  to  orally,  in  writing,  or  electronically.  You  agree  that  you  will 

that we shall have a reasonable opportunity to act upon it under our 

Such  transactions  include,  but  may  not  be  limited  to,  any  quasi-

PROMISE TO PAY: You promise and agree to pay us for all transactions 

not use your Card in a manner that will cause your unpaid balance to 

rules  by  notifying  us  either  orally  or  in  writing.  Oral  notices  must  be 

cash  or  online  gambling  transactions,  any  electronic  commerce 

accumulated on your Account by you and others you allowed, together 

exceed the Credit Limit. However, if your balance exceeds your Credit 

confirmed  in  writing  within  fourteen  (14)  days.  Written  stop  payment 

transactions  conducted  over  an  open  network,  and  any  betting 

with  any  Interest  Charges,  late  charges,  collections  costs,  attorney’s 

Limit, you are still obligated to pay us. You also agree to pay us the 

orders  will  remain  in  effect  only  six  (6)  months  unless  renewed  in 

transactions  including  the  purchase  of  lottery  tickets,  gambling 

fees,  any  fees  listed  on  the  current  Schedule  of  Fees,  available  to 

amount of any balance in excess of your Credit Limit along with your 

writing. We are not responsible or liable for any claims or liabilities of 

points,  casino  gaming  chips  or  off-track  wagering.  However,  in  the 

you  by  requesting  a  copy  from  us,  and  any  other  services  charges 

regular minimum payment at your next scheduled payment due date.  

payees or endorsers on Account Convenience Checks for which you 

event  that  a  gaming  related  charge  or  transaction  posts  to  your 

described in this Agreement. All payments will be made to your Account 

have  requested  payment  stopped.  We  are  not  responsible  or  liable 

Account,  you  are  still  responsible  for  the  payment  of  such  charges. 

in U.S. dollars. All payments must be drawn on funds on deposit with 

PLEDGE OF SHARES: You grant us a security interest in your deposit 

account(s) at  CU  SoCal  if  you  have  signed  or  otherwise  agreed  to  a 

separate share pledge agreement for a “Share Secured Visa”. In order 

to secure your obligations, you must keep on deposit in your regular 

share account(s) a sum equal to the amount agreed to in the separate 

security agreement until you repay your entire loan and the Account is 

terminated or converted from a “share secured Visa”. If you Default, we 

may apply these shares to pay the Account balance as agreed and as 

allowed by law. The Annual Percentage Rate described in this Agreement 

does not consider the amount pledged in your regular share account(s).

SECURITY  INTEREST—LIEN  ON  SHARES:  You  grant  us  a 

consensual security interest in your account(s) and have pledged 

funds  on  deposit  in  your  account(s)  (except  IRA  or  Deferred 

Compensation)  to  satisfy  debts  that  are  due  us.  We  reserve  the 

right  to  exercise  this  pledge  of  shares  for  liabilities  owed  to  us 

against any account(s) held by you individually or jointly with any 

other person(s) to the fullest extent permitted by law.  

MILITARY  LENDING  ACT  DISCLOSURES:  Federal  law  provides 

important  protections  to  members  of  the  Armed  Forces  and  their 

dependents relating to extensions of consumer credit. In general, the 

for any claims or liabilities on Account Convenience Checks that were 

not  paid  when  you  have  placed  and  then  removed  a  stop  payment. 

INTERNATIONAL  SERVICE  ASSESSMENT  FEE  AND  FOREIGN 

TRANSACTIONS:  Purchases,  Advances  and  credits  transacted 

cost of consumer credit to a member of the Armed Forces and his or her 

PROMOTIONS:  When  available,  you  can  use  your  Account  for 

outside  the  United  States,  transacted  in  foreign  currencies,  or 

dependent may not exceed an annual percentage rate of 36 percent. 

special  offers  or  promotional  activities  that  we  may  offer  you.  If 

transacted  outside  the  United  States  and  in  foreign  currencies,  are 

This rate must include, as applicable to the credit transaction or account: 

a  special  offer  or  promotion  is  offered  to  you,  we  will  explain  the 

subject to an International Service Assessment Fee (ISA). In all cases, 

The costs associated with credit insurance premiums; fees for ancillary 

details  within  the  offer.  Special  offers  and  promotions  are  subject 

the  transactions  will  be  billed  to  you  in  U.S.  dollars.  The  ISA  will  be 

products sold in connection with the credit transaction; any application 

to  this  Agreement  unless  we  explain  otherwise  in  the  offer  details. 

charged to your account. The fee is equal to point eight percent (.8%) 

a United States depository financial institution. We may, at our option, 

accept payments made in foreign currency or checks drawn on non-

If you are a covered borrower under the Military Lending Act, 10 USC 

U.S. banks. If we do, we may impose service and collection charges 

sec. 987, this loan will not be secured by a consensual security interest 

charged  to  us  from  others  in  addition  to  the  FOREIGN  PAYMENT 

COLLECTION  FEE.  We  may  accept  checks,  money  orders,  or 

in  any  of  your  accounts  unless  you  specifically  agree  to  establish  a 

deposit  account  in  connection  with  this  VISA  Credit  Card  account 

other  types  of  payment  marked  “payment  in  full”  or  other  language 

(“Secured Account”). Only funds deposited into the Secured Account 

indicating  full  satisfaction  of  indebtedness,  without  being  bound 

after your VISA Credit Card account is opened will secure this account. 

PURCHASES, ADVANCES AND USE OF ACCOUNT: Your Card is a 

damages resulting from the deprivation of the Card.

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). To receive oral 

disclosures, please call us at 866.287.2665 during our normal business 

hours:  Monday-Friday,  9  a.m.  to  6  p.m.,  Saturday,  9  a.m.-1  p.m.

consumer credit card and may not be used for business or commercial 

purposes. You may use your Card for purchases of goods and services 

(Purchases)  from  merchants  that  accept  VISA  credit  cards.  You  may 

use  your  Card  for  cash  advances  (Advances)  which  includes  cash, 

transfer of funds (such as a deposit into your CU SoCal share account), 

quasi-cash (such as money orders, fines, etcetera), Balance Transfers 

(amounts  we  send  to  other  creditors  at  your  request)  and  Account 

Checks.  You  may  obtain  Advances  by  using  the  Card  at  Automated 

Teller Machines (ATMs), requesting them from us or other participating 

financial institutions or merchants, using Account Checks, or requesting 

a Balance Transfer orally, in writing or electronically. You may not use 

Advances from this Account to pay any amount you owe us under any 

credit  agreement  or  account  your  have  with  us  now  or  in  the  future. 

Purchases  and  Advances  are  subject  to  security  features  and  other 

events that may restrict the full use of your available Credit Limit. All 

Purchases  and  Advances  are  subject  to  our  current  policies.  You 

agree that you will not permit your Card to be used to make or facilitate 

any  transaction  that  is  or  might  be  construed  to  be  illegal  pursuant 

to  applicable  law,  rule  or  ordinance.  You  will  only  use  your  Card  for 

transactions that are legal where you conduct them and in accordance 

with this Agreement. We have no liability, responsibility, or culpability 

whatsoever for any illegal use and you further agree to indemnify and 

hold us harmless from any suits, liability, damages, or adverse action 

REFUSAL  TO  HONOR  CARD  AND  CARD  RETENTION:  We  are 

not  responsible  or  liable  for  the  refusal  or  inability  of  any  electronic 

terminal, merchant, or financial institution to honor or accept the Card, 

authorize  funds  against  your  Credit  Limit  or  complete  a  transaction. 

We are not responsible for the retention of the Card or any liability or 

CREDIT SLIPS, RETURNS AND CANCELLATIONS: Merchants and 

others  who  honor  your  Card  may  issue  credits  to  your  Account  for 

purchase returns, cancellations or other adjustments when the original 

charge  was  made  on  your  Card.  You  have  the  sole  responsibility  to 

obtain  and  retain  a  written  copy  of  such  credit  notice,  credit  receipt 

or cancellation number in case the credit fails to post to your Account 

within thirty (15) days from the credit issuance or if you are charged 

for  a  “no  show”.  You  may  request  our  help  in  having  the  credit 

applied  to  your  Account  by  sending  us  a  copy  of  the  credit  slip  or 

cancellation  number  issued  by  the  merchant  but  you  must  do  so  in 

a timely manner that will allow us to pursue the credit in accordance 

with  the  Rules  and  Regulations  of  Visa.  We  are  not  able  to  assist 

you  in  having  the  credit  applied  if  the  credit  receipt  is  for  a  greater 

amount  than  the  original  transaction  that  posted  to  your  Account 

or  if  the  original  transaction  for  which  the  credit  was  issued  did  not 

of  the  amount  of  the  transaction  (expressed  as  a  positive  number) 

when the transaction is made in U.S. dollars and processed outside 

of  the  U.S.  and  is  equal  to  one  percent  (1%)  of  the  amount  of  the 

transaction  (expressed  as  a  positive  number)  when  transacted  in  a 

foreign  currency  and  converted  to  U.S.  dollars.  The  exchange  rate 

used  to  convert  foreign  currency  to  U.S.  currency  is  a  rate  selected 

by  Visa  from  the  range  of  rates  available  in  wholesale  currency 

markets  for  the  Central  Processing  Date,  which  may  vary  from  the 

rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect 

for  the  applicable  Central  Processing  Date.  The  Central  Processing 

by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 

satisfaction of indebtedness shall be accepted by us only in a written 

agreement signed by an authorized employee of CU SoCal. Payments 

in excess of the minimum amount due will be applied to the highest 

annual percentage rate balances before lower annual percentage rate 

balances. You may not use funds from this Account to make payments 

to this Account. If any Account payment is invalid or has been returned 

to us, we will reverse such payment and except for a CU SoCal error, 

you agree to a Returned Payment Fee. The fee will be added to your 

Account  balance  and  will  be  subject  to  all  terms  of  this  Agreement.

CALCULATION  OF  INTEREST  CHARGES:  If  payment  in  full  for  the 

entire New Balance shown on your Statement for the previous billing 

cycle was received by us by the Payment Due Date of that Statement 

we do not assess periodic Interest Charges on the Purchase portion 

of  your  Account  balance.  Periodic  Interest  Charges  are  imposed  on 

Purchases when the New Balance shown on the previous Statement is 

not paid in full within 25 days of the Statement Closing Date as indicated 

on the Statement as Payment Due Date. However, Interest Charges will 

be assessed and will accrue on any Advance portion of your balance 

from  the  date  that  such  Advance  is  posted  to  your  Account  until  the 

date the Advance balance is paid in full or the Statement Closing Date 

Date  is  the  date  Visa  receives  the  transaction  and  is  determined  by 

AUTHORIZATION  FOR  ELECTRONIC  DEBIT:  When  you  provide  a 

the depositing entity after the transaction date. The foreign transaction 

check as payment, you authorize us to use information from your check 

whichever  comes  first,  even  if  payment  of  the  entire  New  Balance  is 

fee  is  a  finance  charge  which  is  imposed  from  the  date  of  the 

to make a one-time electronic fund transfer from your account. In certain 

received by us by the Payment Due Date. In other words, there is no 

transaction.  Interest  does  not  accrue  on  the  foreign  transaction  fee.

circumstances, such as for technical or processing reasons, we may 

time  period  within  which  credit  extended  to  you  by  an  Advance  may 

PERIODIC  BILLING  STATEMENTS:  A  Periodic  Billing  Statement 

(Statement)  will  be  prepared  each  month  that  your  Account  shows 

activity, has an unpaid balance, has a credit balance, or includes an 

process your payment as a check transaction and you will not receive 

be repaid without incurring Interest Charges. Interest Charges for each 

your check back. If you prefer not to have your checks used in this manner, 

monthly billing cycle will be calculated by multiplying the Average Daily 

please contact us at 866 CU SoCal (866.287.6225) or 562.698.8326.

Balance of Purchases by the Monthly Periodic Rate and multiplying the 

important  notice  about  your  account.  When  new  activity  is  reflected 

DEFAULT:  You  will  be  in  Default  if  you  fail  to  comply  with  any  of  the 

on  the  Statement,  the  transaction(s)  will  be  described  including  the 

terms of this Agreement or any other loan agreement with us or anyone 

merchant, financial institution or machine location. The Statement will 

else,  if  you  are  a  party  to  any  bankruptcy  proceeding,  if  any  third 

be mailed to the address of record or otherwise sent as allowed by law. 

party attempts by legal process to take any of your property, in case 

of  insolvency,  incompetency,  fraud  or  misrepresentation,  if  there  are 

changes in circumstances after your application that affect your ability 

to pay, if your creditworthiness is impaired, in case of your death, or 

as otherwise provided in this Agreement. If you are in Default, we may 

close  your  Account  or  suspend  your  Card  privileges  without  further 

notice and we may demand immediate payment of the unpaid balance 

including  all  fees  and  charges  and  other  sums  owed  under  this 

Agreement. In the event of any action by us to enforce this Agreement, 

you agree that you will pay our collection costs, court costs, attorneys’ 

fees,  including  those  incurred  by  bankruptcy,  and  other  expenses 

Average Daily Balance of Advances by the Monthly Periodic Rate. We 

will calculate your Average Daily Balance of Purchases by taking the 

outstanding Purchase balance (amount you owe) at the start of the day 

and add all new purchases and debit transactions and subtract credits 

and payments as described in this Agreement as well as Late Charges 

and Interest Charges that remain unpaid. The result is the daily balance 

of Purchases for that day. We add together all the daily balances for 

each  day  in  the  billing  cycle  and  divide  the  total  by  the  number  of 

days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  of 

Purchases  for  that  billing  cycle.  We  will  calculate  your  Average  Daily 

Balance of Advances by taking the beginning Cash Advance balance 

each  day,  add  any  new  Advance  or  Advance  debit  transaction  and 

subtract credits and payments as described in this Agreement as well 

as Late Charges and Interest Charges that remain unpaid. The result is 

post  to  your  Account.  If  your  credits  and  payments  exceed  what 

MINIMUM  MONTHLY  PAYMENT:  Each  month  that  your  Statement 

you owe us, we will hold and apply this credit balance against future 

has an unpaid balance, you must pay at least the Minimum Payment 

Purchases,  Advances  and  other  Account  transactions  described 

Due  by  the  Payment  Due  Date  as  shown  on  the  Statement.  The 

in  this  Agreement  for  as  long  as  six  (6)  months.  You  may  request  a 

Minimum Monthly Payment is three percent (3%) of the New Balance 

refund  of  a  credit  balance  or  we  will  deposit  it  into  your  CU  SoCal 

as listed on the Statement, or $25, whichever is greater, plus any past 

share account, or otherwise refund it when there is no open CU SoCal 

due  amount  and  any  amount  over  your  Credit  Limit.  However  if  the 

share account, within six (6) months of maintaining a credit balance.

New Balance is less than $25, the Minimum Monthly Payment will be 

of any kind that results directly or indirectly from such illegal use. You 

AUTHORIZATIONS:  All  transactions  are  subject  to  funds  availability 

approvals.  Approved  Authorizations  result  in  placing  holds  against 

the  full  amount  of  the  Statement  listed  as  Minimum  Payment  Due. 

The  Minimum  Payment  Due  must  be  received  at  the  address  listed 

on  the  Statement,  in  our  office,  or  electronically  no  later  than  the 

CREDIT  UNION  OF  SOUTHERN  CALIFORNIA  CONSUMER 

CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING 

procedures  if  presented  with  an  unsigned  card  and  may  refuse  to 
accept an unsigned card.

agree that you are responsible for repayment of any and all transactions 

your  Credit  Limit.  Some  merchants  may  request  Authorizations 

Payment Due Date or the payment will be considered past due. You 

you  initiated  by  the  use  Card  whether  deemed  legal  or  illegal. 

for  amounts  that  differ  from  the  actual  transaction  amount.  Some 

understand  that  you  can  repay  the  balance  in  part  or  in  full  without 

and  these  will  be  added  to  your  balance  of  your  Account.  If  you  are 

in Default, Interest Charges and other charges and fees will continue 

DISCLOSURE: 

In  this  Agreement  and  Disclosure  Statement  (Agreement)  the  word 

Card  means  Credit  Union  of  Southern  California  consumer  credit 

card,  card  number,  and  any  other  means  of  accessing  the  line  of 

credit associated with the credit card account and includes the initial 

Card  issued  as  well  as  duplicates  and  renewals  we  may  issue.  The 

word  Account  means  the  line  of  credit  associated  with  the  Card. 

The  words  we,  us,  our  and  ours  mean  Credit  Union  of  Southern 

California  (CU  SoCal).  You,  your,  and  yours  means  any  person(s) 

who applies for a Card, who is a co-signer, who accepts an offer for 

the  Card,  who  uses  the  Card,  whose  name  appears  on  a  Card  or 

Account  Periodic  Billing  Statement  or  who  is  otherwise  liable  for  the 

Account. When we use a singular form of a word it is interchangeable 

with  the  plural  form  of  the  word  and  when  we  use  the  plural  form 

of  the  word  it  is  interchangeable  with  the  singular  form  of  the  word. 

ACCEPTING  THIS  AGREEMENT:  By  activating  your  card  or 

authorizing transactions on your card account, you are accepting 

and  agreeing  to  the  terms  and  conditions  as  stated  in  this 

Agreement.  If  you  do  not  use  the  Card  and  do  not  agree  to  be 

bound by this Agreement, destroy the Card and notify us that you 

wish to cancel your Account. 

ACCOUNT AGREEMENT: This Agreement governs your Account with 

us and using the Card or permitting others to use the Card issued to 

you binds you to the provisions, terms and conditions of this Agreement 

and is your acceptance of this Agreement including any separate sheet 

of paper labeled  “Additional  Disclosure”,  “Addendum”  or  “Change  in 

Terms” and the like which is delivered with or without this Agreement 

now or in the future. Such separate sheets become an integrated part of 

this Agreement by this declaration. This Agreement is also subject to the 

terms and conditions of any other account agreements you have with us.

RESPONSIBILITY  FOR  ACCOUNT:  You  agree  you  are  liable  to  us 

for  the  balance  on  your  Account  including  all  transactions,  Interest 

Charges, other charges, fees and costs described in this Agreement 

and agree to pay us according to the terms of this Agreement arising 

from the use of this Account by you or any other person you permit 

to use your Card (even if that person exceeded the amount for which 

you gave permission.) You are jointly and severally responsible for all 

transactions on the Account. If more than one person is responsible for 

this Account as described in this Agreement, each person individually 

and  all  persons  jointly  are  obligated  to  pay  all  sums  due  under  this 

Agreement.  If  the  Account  is  reallocated,  upgraded,  downgraded, 

acquired, merged, or otherwise changed, you are still obligated under 

this  Agreement  unless  and  until  otherwise  notified.  If  you  decide  to 

close your Account, please notify us in writing and destroy all Card(s) 

on  the  Account.  Any  joint  user,  applicant,  or  other  responsible  entity 

may close the Account, regardless of other joint’s or other responsible 

entity’s preference or disagreement. However, all joint users and other 

responsible  entity’s  remain  liable  for  any  balance  on  the  Account, 

including  but  not  limited  to  new  Interest  Charges,  service  and  late 

charges, debit adjustments, collection fees and cost and transactions 

to  the  Account  that  we  cannot  prevent,  pending  transactions, 

and  transactions  you  have  previously  agreed  to  or  authorized. 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you 

must sign the signature panel on your Card as soon as you receive it. 

Merchants are required to verify the signature on all VISA cards with the 

signed sales receipt. Merchants are required to follow certain security 

CREDIT  LIMIT:  Your  Card  has  an  Account  limit  (Credit  Limit)  that 
is  established  by  us.  You  agree  that  you  have  received  a  separate 
written  notice  of  the  initial  Credit  Limit.  Your  Credit  Limit  is  also 
listed  on  your  Account  periodic  billing  Statement.  We  may  change 
the  limit  at  any  time  and  will  notify  you  by  mail  sent  to  the  address 
of  record  for  the  primary  Account  holder  either  before  or  after  the 
change  takes  effect.  If  the  change  was  a  Credit  Limit  increase  that 
you  object  to,  you  must  notify  us  immediately.  You  or  your  joint 
applicant may request a change to your Credit Limit orally, in writing, 
or electronically. If your Credit Limit is increased, you are immediately 
responsible  for  the  entire  Account  Credit  Limit  and  any  increase  in 
the  unpaid  balance  even  when  it  differs  from  an  amount  previously 
agreed  to  orally,  in  writing,  or  electronically.  You  agree  that  you  will 
not use your Card in a manner that will cause your unpaid balance to 
exceed the Credit Limit. However, if your balance exceeds your Credit 
Limit, you are still obligated to pay us. You also agree to pay us the 
amount of any balance in excess of your Credit Limit along with your 
regular minimum payment at your next scheduled payment due date.  

MILITARY  LENDING  ACT  DISCLOSURES:  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). To receive oral 
disclosures, please call us at 866.287.2665 during our normal business 
hours:  Monday-Friday,  9  a.m.  to  6  p.m.,  Saturday,  9  a.m.-1  p.m.

PURCHASES, ADVANCES AND USE OF ACCOUNT: Your Card is a 
consumer credit card and may not be used for business or commercial 
purposes. You may use your Card for purchases of goods and services 
(Purchases)  from  merchants  that  accept  VISA  credit  cards.  You  may 
use  your  Card  for  cash  advances  (Advances)  which  includes  cash, 
transfer of funds (such as a deposit into your CU SoCal share account), 
quasi-cash (such as money orders, fines, etcetera), Balance Transfers 
(amounts  we  send  to  other  creditors  at  your  request)  and  Account 
Checks.  You  may  obtain  Advances  by  using  the  Card  at  Automated 
Teller Machines (ATMs), requesting them from us or other participating 
financial institutions or merchants, using Account Checks, or requesting 
a Balance Transfer orally, in writing or electronically. You may not use 
Advances from this Account to pay any amount you owe us under any 
credit  agreement  or  account  your  have  with  us  now  or  in  the  future. 
Purchases  and  Advances  are  subject  to  security  features  and  other 
events that may restrict the full use of your available Credit Limit. All 
Purchases  and  Advances  are  subject  to  our  current  policies.  You 
agree that you will not permit your Card to be used to make or facilitate 
any  transaction  that  is  or  might  be  construed  to  be  illegal  pursuant 
to  applicable  law,  rule  or  ordinance.  You  will  only  use  your  Card  for 
transactions that are legal where you conduct them and in accordance 
with this Agreement. We have no liability, responsibility, or culpability 
whatsoever for any illegal use and you further agree to indemnify and 
hold us harmless from any suits, liability, damages, or adverse action 
of any kind that results directly or indirectly from such illegal use. You 

merchants  may  process 

transactions  without  placing  a 

funds 

any  repayment  penalty  at  any  time.  If  you  make  extra  payments  or 

to accrue until you repay your entire loan. We may accept partial and 

hold  against  your  Credit  Limit.  Some  merchants  may  process 

larger amounts in any particular month or months, you are still required 

late payments without losing any of our rights under this Agreement. 

ACCOUNT  CHECKS:  When  available,  you  can  use  Account 

Convenience  Checks  for  goods  and  services  or  to  obtain  cash 

against  your  Credit  Limit  in  accordance  to  specific  instructions 

limiting  use  when  included  with  the  Account  Convenience  Checks. 

Account  Convenience  Checks  are  Advances  as  described  in  this 

Agreement.  Account  Convenience  Checks  do  not  qualify  for  “YOUR 

RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR  CREDIT  CARD 

PURCHASES”  described  in  this  Agreement  or  any  other  features  or 

benefits  that  pertain  to  Purchases.  We  are  not  responsible  or  liable 

transactions  without  an  approved  Authorization.  We  may  limit  the 

to  make  a  payment  of  at  least  the  Minimum  Payment  Due  each  and 

number  or  amount  of  approvals  at  anytime  or  deny  transactions 

every month your Account has a balance and your Statement reflects 

when  we  detect  unusual  or  suspicious  activity  without  reference  to 

a Minimum Payment Due amount. However, if your Account is selected 

your  available  Credit  Limit.  We  are  not  liable  for  failing  to  approve 

to participate in a skip payment promotion, you will be notified about 

any  transaction.  While  we  are  not  required  to,  we  may  approve 

the temporary terms of the promotion that you have been offered. Your 

transactions  that  cause  you  to  exceed  your  available  Credit  Limit. 

Minimum Monthly Payment Account terms will return to the terms listed 

We are not liable for approving transactions above your Credit Limit. 

in this Agreement at the end of the promotion. If your Statement has a 

for  the  results  of  any  misrouting  or  delay  in  processing  an  Account 

GAMING  TRANSACTIONS:  You  may  not  utilize  your  Account 

Convenience Check for any reason. You may order a stop payment on 

for  any  transactions  or  purchases  of  any  goods  or  services  on 

an Account Convenience Check, provided such a request is timely so 

the  internet  involving  gambling,  betting  or  wagering  of  any  sort. 

credit balance, no Minimum Monthly Payment is due and as allowed 

by law or regulation, we will hold and apply the credit balance against 

future  debits  on  your  Account  or  refund  it  at  your  written  request. 

that we shall have a reasonable opportunity to act upon it under our 

Such  transactions  include,  but  may  not  be  limited  to,  any  quasi-

PROMISE TO PAY: You promise and agree to pay us for all transactions 

rules  by  notifying  us  either  orally  or  in  writing.  Oral  notices  must  be 

cash  or  online  gambling  transactions,  any  electronic  commerce 

accumulated on your Account by you and others you allowed, together 

confirmed  in  writing  within  fourteen  (14)  days.  Written  stop  payment 

transactions  conducted  over  an  open  network,  and  any  betting 

with  any  Interest  Charges,  late  charges,  collections  costs,  attorney’s 

orders  will  remain  in  effect  only  six  (6)  months  unless  renewed  in 

transactions  including  the  purchase  of  lottery  tickets,  gambling 

fees,  any  fees  listed  on  the  current  Schedule  of  Fees,  available  to 

writing. We are not responsible or liable for any claims or liabilities of 

points,  casino  gaming  chips  or  off-track  wagering.  However,  in  the 

you  by  requesting  a  copy  from  us,  and  any  other  services  charges 

payees or endorsers on Account Convenience Checks for which you 

event  that  a  gaming  related  charge  or  transaction  posts  to  your 

described in this Agreement. All payments will be made to your Account 

have  requested  payment  stopped.  We  are  not  responsible  or  liable 

Account,  you  are  still  responsible  for  the  payment  of  such  charges. 

in U.S. dollars. All payments must be drawn on funds on deposit with 

PLEDGE OF SHARES: You grant us a security interest in your deposit 

account(s) at  CU  SoCal  if  you  have  signed  or  otherwise  agreed  to  a 

separate share pledge agreement for a “Share Secured Visa”. In order 

to secure your obligations, you must keep on deposit in your regular 

share account(s) a sum equal to the amount agreed to in the separate 

security agreement until you repay your entire loan and the Account is 

terminated or converted from a “share secured Visa”. If you Default, we 

may apply these shares to pay the Account balance as agreed and as 

allowed by law. The Annual Percentage Rate described in this Agreement 

does not consider the amount pledged in your regular share account(s).

SECURITY  INTEREST—LIEN  ON  SHARES:  You  grant  us  a 

consensual security interest in your account(s) and have pledged 

funds  on  deposit  in  your  account(s)  (except  IRA  or  Deferred 

Compensation)  to  satisfy  debts  that  are  due  us.  We  reserve  the 

right  to  exercise  this  pledge  of  shares  for  liabilities  owed  to  us 

against any account(s) held by you individually or jointly with any 

other person(s) to the fullest extent permitted by law.  

for any claims or liabilities on Account Convenience Checks that were 

not  paid  when  you  have  placed  and  then  removed  a  stop  payment. 

INTERNATIONAL  SERVICE  ASSESSMENT  FEE  AND  FOREIGN 

TRANSACTIONS:  Purchases,  Advances  and  credits  transacted 

PROMOTIONS:  When  available,  you  can  use  your  Account  for 

outside  the  United  States,  transacted  in  foreign  currencies,  or 

special  offers  or  promotional  activities  that  we  may  offer  you.  If 

transacted  outside  the  United  States  and  in  foreign  currencies,  are 

a  special  offer  or  promotion  is  offered  to  you,  we  will  explain  the 

subject to an International Service Assessment Fee (ISA). In all cases, 

details  within  the  offer.  Special  offers  and  promotions  are  subject 

the  transactions  will  be  billed  to  you  in  U.S.  dollars.  The  ISA  will  be 

to  this  Agreement  unless  we  explain  otherwise  in  the  offer  details. 

charged to your account. The fee is equal to point eight percent (.8%) 

a United States depository financial institution. We may, at our option, 

accept payments made in foreign currency or checks drawn on non-

If you are a covered borrower under the Military Lending Act, 10 USC 

U.S. banks. If we do, we may impose service and collection charges 

sec. 987, this loan will not be secured by a consensual security interest 

charged  to  us  from  others  in  addition  to  the  FOREIGN  PAYMENT 

COLLECTION  FEE.  We  may  accept  checks,  money  orders,  or 

in  any  of  your  accounts  unless  you  specifically  agree  to  establish  a 

deposit  account  in  connection  with  this  VISA  Credit  Card  account 

other  types  of  payment  marked  “payment  in  full”  or  other  language 

(“Secured Account”). Only funds deposited into the Secured Account 

indicating  full  satisfaction  of  indebtedness,  without  being  bound 

after your VISA Credit Card account is opened will secure this account. 

REFUSAL  TO  HONOR  CARD  AND  CARD  RETENTION:  We  are 

not  responsible  or  liable  for  the  refusal  or  inability  of  any  electronic 

terminal, merchant, or financial institution to honor or accept the Card, 

authorize  funds  against  your  Credit  Limit  or  complete  a  transaction. 

We are not responsible for the retention of the Card or any liability or 

damages resulting from the deprivation of the Card.

CREDIT SLIPS, RETURNS AND CANCELLATIONS: Merchants and 

others  who  honor  your  Card  may  issue  credits  to  your  Account  for 

purchase returns, cancellations or other adjustments when the original 

charge  was  made  on  your  Card.  You  have  the  sole  responsibility  to 

obtain  and  retain  a  written  copy  of  such  credit  notice,  credit  receipt 

or cancellation number in case the credit fails to post to your Account 

within thirty (15) days from the credit issuance or if you are charged 

for  a  “no  show”.  You  may  request  our  help  in  having  the  credit 

applied  to  your  Account  by  sending  us  a  copy  of  the  credit  slip  or 

cancellation  number  issued  by  the  merchant  but  you  must  do  so  in 

a timely manner that will allow us to pursue the credit in accordance 

with  the  Rules  and  Regulations  of  Visa.  We  are  not  able  to  assist 

you  in  having  the  credit  applied  if  the  credit  receipt  is  for  a  greater 

amount  than  the  original  transaction  that  posted  to  your  Account 

or  if  the  original  transaction  for  which  the  credit  was  issued  did  not 

of  the  amount  of  the  transaction  (expressed  as  a  positive  number) 

when the transaction is made in U.S. dollars and processed outside 

of  the  U.S.  and  is  equal  to  one  percent  (1%)  of  the  amount  of  the 

transaction  (expressed  as  a  positive  number)  when  transacted  in  a 

foreign  currency  and  converted  to  U.S.  dollars.  The  exchange  rate 

used  to  convert  foreign  currency  to  U.S.  currency  is  a  rate  selected 

by  Visa  from  the  range  of  rates  available  in  wholesale  currency 

markets  for  the  Central  Processing  Date,  which  may  vary  from  the 

rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect 

for  the  applicable  Central  Processing  Date.  The  Central  Processing 

by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 

satisfaction of indebtedness shall be accepted by us only in a written 

agreement signed by an authorized employee of CU SoCal. Payments 

in excess of the minimum amount due will be applied to the highest 

annual percentage rate balances before lower annual percentage rate 

balances. You may not use funds from this Account to make payments 

to this Account. If any Account payment is invalid or has been returned 

to us, we will reverse such payment and except for a CU SoCal error, 

you agree to a Returned Payment Fee. The fee will be added to your 

Account  balance  and  will  be  subject  to  all  terms  of  this  Agreement.

CALCULATION  OF  INTEREST  CHARGES:  If  payment  in  full  for  the 

entire New Balance shown on your Statement for the previous billing 

cycle was received by us by the Payment Due Date of that Statement 

we do not assess periodic Interest Charges on the Purchase portion 

of  your  Account  balance.  Periodic  Interest  Charges  are  imposed  on 

Purchases when the New Balance shown on the previous Statement is 

not paid in full within 25 days of the Statement Closing Date as indicated 

on the Statement as Payment Due Date. However, Interest Charges will 

be assessed and will accrue on any Advance portion of your balance 

from  the  date  that  such  Advance  is  posted  to  your  Account  until  the 

date the Advance balance is paid in full or the Statement Closing Date 

Date  is  the  date  Visa  receives  the  transaction  and  is  determined  by 

AUTHORIZATION  FOR  ELECTRONIC  DEBIT:  When  you  provide  a 

the depositing entity after the transaction date. The foreign transaction 

check as payment, you authorize us to use information from your check 

whichever  comes  first,  even  if  payment  of  the  entire  New  Balance  is 

fee  is  a  finance  charge  which  is  imposed  from  the  date  of  the 

to make a one-time electronic fund transfer from your account. In certain 

received by us by the Payment Due Date. In other words, there is no 

transaction.  Interest  does  not  accrue  on  the  foreign  transaction  fee.

circumstances, such as for technical or processing reasons, we may 

time  period  within  which  credit  extended  to  you  by  an  Advance  may 

PERIODIC  BILLING  STATEMENTS:  A  Periodic  Billing  Statement 

(Statement)  will  be  prepared  each  month  that  your  Account  shows 

activity, has an unpaid balance, has a credit balance, or includes an 

process your payment as a check transaction and you will not receive 

be repaid without incurring Interest Charges. Interest Charges for each 

your check back. If you prefer not to have your checks used in this manner, 

monthly billing cycle will be calculated by multiplying the Average Daily 

please contact us at 866 CU SoCal (866.287.6225) or 562.698.8326.

Balance of Purchases by the Monthly Periodic Rate and multiplying the 

important  notice  about  your  account.  When  new  activity  is  reflected 

DEFAULT:  You  will  be  in  Default  if  you  fail  to  comply  with  any  of  the 

on  the  Statement,  the  transaction(s)  will  be  described  including  the 

terms of this Agreement or any other loan agreement with us or anyone 

merchant, financial institution or machine location. The Statement will 

else,  if  you  are  a  party  to  any  bankruptcy  proceeding,  if  any  third 

be mailed to the address of record or otherwise sent as allowed by law. 

party attempts by legal process to take any of your property, in case 

post  to  your  Account.  If  your  credits  and  payments  exceed  what 

MINIMUM  MONTHLY  PAYMENT:  Each  month  that  your  Statement 

you owe us, we will hold and apply this credit balance against future 

has an unpaid balance, you must pay at least the Minimum Payment 

Purchases,  Advances  and  other  Account  transactions  described 

Due  by  the  Payment  Due  Date  as  shown  on  the  Statement.  The 

in  this  Agreement  for  as  long  as  six  (6)  months.  You  may  request  a 

Minimum Monthly Payment is three percent (3%) of the New Balance 

refund  of  a  credit  balance  or  we  will  deposit  it  into  your  CU  SoCal 

as listed on the Statement, or $25, whichever is greater, plus any past 

share account, or otherwise refund it when there is no open CU SoCal 

due  amount  and  any  amount  over  your  Credit  Limit.  However  if  the 

share account, within six (6) months of maintaining a credit balance.

New Balance is less than $25, the Minimum Monthly Payment will be 

AUTHORIZATIONS:  All  transactions  are  subject  to  funds  availability 

approvals.  Approved  Authorizations  result  in  placing  holds  against 

the  full  amount  of  the  Statement  listed  as  Minimum  Payment  Due. 

The  Minimum  Payment  Due  must  be  received  at  the  address  listed 

on  the  Statement,  in  our  office,  or  electronically  no  later  than  the 

of  insolvency,  incompetency,  fraud  or  misrepresentation,  if  there  are 

changes in circumstances after your application that affect your ability 

to pay, if your creditworthiness is impaired, in case of your death, or 

as otherwise provided in this Agreement. If you are in Default, we may 

close  your  Account  or  suspend  your  Card  privileges  without  further 

notice and we may demand immediate payment of the unpaid balance 

including  all  fees  and  charges  and  other  sums  owed  under  this 

Agreement. In the event of any action by us to enforce this Agreement, 

you agree that you will pay our collection costs, court costs, attorneys’ 

fees,  including  those  incurred  by  bankruptcy,  and  other  expenses 

Average Daily Balance of Advances by the Monthly Periodic Rate. We 

will calculate your Average Daily Balance of Purchases by taking the 

outstanding Purchase balance (amount you owe) at the start of the day 

and add all new purchases and debit transactions and subtract credits 

and payments as described in this Agreement as well as Late Charges 

and Interest Charges that remain unpaid. The result is the daily balance 

of Purchases for that day. We add together all the daily balances for 

each  day  in  the  billing  cycle  and  divide  the  total  by  the  number  of 

days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  of 

Purchases  for  that  billing  cycle.  We  will  calculate  your  Average  Daily 

Balance of Advances by taking the beginning Cash Advance balance 

each  day,  add  any  new  Advance  or  Advance  debit  transaction  and 

subtract credits and payments as described in this Agreement as well 

as Late Charges and Interest Charges that remain unpaid. The result is 

CREDIT  UNION  OF  SOUTHERN  CALIFORNIA  CONSUMER 

procedures  if  presented  with  an  unsigned  card  and  may  refuse  to 

CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING 

accept an unsigned card.

agree that you are responsible for repayment of any and all transactions 
you  initiated  by  the  use  Card  whether  deemed  legal  or  illegal. 

your  Credit  Limit.  Some  merchants  may  request  Authorizations 

Payment Due Date or the payment will be considered past due. You 

and  these  will  be  added  to  your  balance  of  your  Account.  If  you  are 

for  amounts  that  differ  from  the  actual  transaction  amount.  Some 

understand  that  you  can  repay  the  balance  in  part  or  in  full  without 

in Default, Interest Charges and other charges and fees will continue 

DISCLOSURE: 

In  this  Agreement  and  Disclosure  Statement  (Agreement)  the  word 

Card  means  Credit  Union  of  Southern  California  consumer  credit 

card,  card  number,  and  any  other  means  of  accessing  the  line  of 

credit associated with the credit card account and includes the initial 

Card  issued  as  well  as  duplicates  and  renewals  we  may  issue.  The 

word  Account  means  the  line  of  credit  associated  with  the  Card. 

The  words  we,  us,  our  and  ours  mean  Credit  Union  of  Southern 

California  (CU  SoCal).  You,  your,  and  yours  means  any  person(s) 

who applies for a Card, who is a co-signer, who accepts an offer for 

the  Card,  who  uses  the  Card,  whose  name  appears  on  a  Card  or 

Account  Periodic  Billing  Statement  or  who  is  otherwise  liable  for  the 

Account. When we use a singular form of a word it is interchangeable 

with  the  plural  form  of  the  word  and  when  we  use  the  plural  form 

of  the  word  it  is  interchangeable  with  the  singular  form  of  the  word. 

CREDIT  LIMIT:  Your  Card  has  an  Account  limit  (Credit  Limit)  that 

is  established  by  us.  You  agree  that  you  have  received  a  separate 

written  notice  of  the  initial  Credit  Limit.  Your  Credit  Limit  is  also 

listed  on  your  Account  periodic  billing  Statement.  We  may  change 

the  limit  at  any  time  and  will  notify  you  by  mail  sent  to  the  address 

of  record  for  the  primary  Account  holder  either  before  or  after  the 

change  takes  effect.  If  the  change  was  a  Credit  Limit  increase  that 

you  object  to,  you  must  notify  us  immediately.  You  or  your  joint 

applicant may request a change to your Credit Limit orally, in writing, 

or electronically. If your Credit Limit is increased, you are immediately 

responsible  for  the  entire  Account  Credit  Limit  and  any  increase  in 

the  unpaid  balance  even  when  it  differs  from  an  amount  previously 

agreed  to  orally,  in  writing,  or  electronically.  You  agree  that  you  will 

not use your Card in a manner that will cause your unpaid balance to 

exceed the Credit Limit. However, if your balance exceeds your Credit 

ACCEPTING  THIS  AGREEMENT:  By  activating  your  card  or 

Limit, you are still obligated to pay us. You also agree to pay us the 

authorizing transactions on your card account, you are accepting 

amount of any balance in excess of your Credit Limit along with your 

and  agreeing  to  the  terms  and  conditions  as  stated  in  this 

regular minimum payment at your next scheduled payment due date.  

Agreement.  If  you  do  not  use  the  Card  and  do  not  agree  to  be 

bound by this Agreement, destroy the Card and notify us that you 

wish to cancel your Account. 

MILITARY  LENDING  ACT  DISCLOSURES:  Federal  law  provides 

important  protections  to  members  of  the  Armed  Forces  and  their 

dependents relating to extensions of consumer credit. In general, the 

ACCOUNT AGREEMENT: This Agreement governs your Account with 

cost of consumer credit to a member of the Armed Forces and his or her 

us and using the Card or permitting others to use the Card issued to 

dependent may not exceed an annual percentage rate of 36 percent. 

you binds you to the provisions, terms and conditions of this Agreement 

This rate must include, as applicable to the credit transaction or account: 

and is your acceptance of this Agreement including any separate sheet 

The costs associated with credit insurance premiums; fees for ancillary 

of  paper  labeled “Additional  Disclosure”, “Addendum” or “Change in 

products sold in connection with the credit transaction; any application 

Terms” and the like which is delivered with or without this Agreement 

fee  charged  (other  than  certain  application  fees  for  specified  credit 

now or in the future. Such separate sheets become an integrated part of 

transactions  or  accounts);  and  any  participation  fee  charged  (other 

this Agreement by this declaration. This Agreement is also subject to the 

than certain participation fees for a credit card account). To receive oral 

terms and conditions of any other account agreements you have with us.

disclosures, please call us at 866.287.2665 during our normal business 

RESPONSIBILITY  FOR  ACCOUNT:  You  agree  you  are  liable  to  us 

hours:  Monday-Friday,  9  a.m.  to  6  p.m.,  Saturday,  9  a.m.-1  p.m.

for  the  balance  on  your  Account  including  all  transactions,  Interest 

PURCHASES, ADVANCES AND USE OF ACCOUNT: Your Card is a 

Charges, other charges, fees and costs described in this Agreement 

consumer credit card and may not be used for business or commercial 

and agree to pay us according to the terms of this Agreement arising 

purposes. You may use your Card for purchases of goods and services 

from the use of this Account by you or any other person you permit 

(Purchases)  from  merchants  that  accept  VISA  credit  cards.  You  may 

to use your Card (even if that person exceeded the amount for which 

use  your  Card  for  cash  advances  (Advances)  which  includes  cash, 

you gave permission.) You are jointly and severally responsible for all 

transfer of funds (such as a deposit into your CU SoCal share account), 

transactions on the Account. If more than one person is responsible for 

quasi-cash (such as money orders, fines, etcetera), Balance Transfers 

this Account as described in this Agreement, each person individually 

(amounts  we  send  to  other  creditors  at  your  request)  and  Account 

and  all  persons  jointly  are  obligated  to  pay  all  sums  due  under  this 

Checks.  You  may  obtain  Advances  by  using  the  Card  at  Automated 

Agreement.  If  the  Account  is  reallocated,  upgraded,  downgraded, 

Teller Machines (ATMs), requesting them from us or other participating 

acquired, merged, or otherwise changed, you are still obligated under 

financial institutions or merchants, using Account Checks, or requesting 

this  Agreement  unless  and  until  otherwise  notified.  If  you  decide  to 

a Balance Transfer orally, in writing or electronically. You may not use 

close your Account, please notify us in writing and destroy all Card(s) 

Advances from this Account to pay any amount you owe us under any 

on  the  Account.  Any  joint  user,  applicant,  or  other  responsible  entity 

credit  agreement  or  account  your  have  with  us  now  or  in  the  future. 

may close the Account, regardless of other joint’s or other responsible 

Purchases  and  Advances  are  subject  to  security  features  and  other 

entity’s preference or disagreement. However, all joint users and other 

events that may restrict the full use of your available Credit Limit. All 

responsible  entity’s  remain  liable  for  any  balance  on  the  Account, 

Purchases  and  Advances  are  subject  to  our  current  policies.  You 

including  but  not  limited  to  new  Interest  Charges,  service  and  late 

agree that you will not permit your Card to be used to make or facilitate 

charges, debit adjustments, collection fees and cost and transactions 

any  transaction  that  is  or  might  be  construed  to  be  illegal  pursuant 

to  the  Account  that  we  cannot  prevent,  pending  transactions, 

to  applicable  law,  rule  or  ordinance.  You  will  only  use  your  Card  for 

and  transactions  you  have  previously  agreed  to  or  authorized. 

transactions that are legal where you conduct them and in accordance 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you 

must sign the signature panel on your Card as soon as you receive it. 

Merchants are required to verify the signature on all VISA cards with the 

signed sales receipt. Merchants are required to follow certain security 

with this Agreement. We have no liability, responsibility, or culpability 

whatsoever for any illegal use and you further agree to indemnify and 

hold us harmless from any suits, liability, damages, or adverse action 

of any kind that results directly or indirectly from such illegal use. You 

ACCOUNT  CHECKS:  When  available,  you  can  use  Account 
Convenience  Checks  for  goods  and  services  or  to  obtain  cash 
against  your  Credit  Limit  in  accordance  to  specific  instructions 
limiting  use  when  included  with  the  Account  Convenience  Checks. 
Account  Convenience  Checks  are  Advances  as  described  in  this 
Agreement.  Account  Convenience  Checks  do  not  qualify  for  “YOUR 
RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR  CREDIT  CARD 
PURCHASES”  described  in  this  Agreement  or  any  other  features  or 
benefits  that  pertain  to  Purchases.  We  are  not  responsible  or  liable 
for  the  results  of  any  misrouting  or  delay  in  processing  an  Account 
Convenience Check for any reason. You may order a stop payment on 
an Account Convenience Check, provided such a request is timely so 
that we shall have a reasonable opportunity to act upon it under our 
rules  by  notifying  us  either  orally  or  in  writing.  Oral  notices  must  be 
confirmed  in  writing  within  fourteen  (14)  days.  Written  stop  payment 
orders  will  remain  in  effect  only  six  (6)  months  unless  renewed  in 
writing. We are not responsible or liable for any claims or liabilities of 
payees or endorsers on Account Convenience Checks for which you 
have  requested  payment  stopped.  We  are  not  responsible  or  liable 
for any claims or liabilities on Account Convenience Checks that were 
not  paid  when  you  have  placed  and  then  removed  a  stop  payment. 

PROMOTIONS:  When  available,  you  can  use  your  Account  for 
special  offers  or  promotional  activities  that  we  may  offer  you.  If 
a  special  offer  or  promotion  is  offered  to  you,  we  will  explain  the 
details  within  the  offer.  Special  offers  and  promotions  are  subject 
to  this  Agreement  unless  we  explain  otherwise  in  the  offer  details. 

REFUSAL  TO  HONOR  CARD  AND  CARD  RETENTION:  We  are 
not  responsible  or  liable  for  the  refusal  or  inability  of  any  electronic 
terminal, merchant, or financial institution to honor or accept the Card, 
authorize  funds  against  your  Credit  Limit  or  complete  a  transaction. 
We are not responsible for the retention of the Card or any liability or 
damages resulting from the deprivation of the Card.

CREDIT SLIPS, RETURNS AND CANCELLATIONS: Merchants and 
others  who  honor  your  Card  may  issue  credits  to  your  Account  for 
purchase returns, cancellations or other adjustments when the original 
charge  was  made  on  your  Card.  You  have  the  sole  responsibility  to 
obtain  and  retain  a  written  copy  of  such  credit  notice,  credit  receipt 
or cancellation number in case the credit fails to post to your Account 
within thirty (15) days from the credit issuance or if you are charged 
for  a  “no  show”.  You  may  request  our  help  in  having  the  credit 
applied  to  your  Account  by  sending  us  a  copy  of  the  credit  slip  or 
cancellation  number  issued  by  the  merchant  but  you  must  do  so  in 
a timely manner that will allow us to pursue the credit in accordance 
with  the  Rules  and  Regulations  of  Visa.  We  are  not  able  to  assist 
you  in  having  the  credit  applied  if  the  credit  receipt  is  for  a  greater 
amount  than  the  original  transaction  that  posted  to  your  Account 
or  if  the  original  transaction  for  which  the  credit  was  issued  did  not 
post  to  your  Account.  If  your  credits  and  payments  exceed  what 
you owe us, we will hold and apply this credit balance against future 
Purchases,  Advances  and  other  Account  transactions  described 
in  this  Agreement  for  as  long  as  six  (6)  months.  You  may  request  a 
refund  of  a  credit  balance  or  we  will  deposit  it  into  your  CU  SoCal 
share account, or otherwise refund it when there is no open CU SoCal 
share account, within six (6) months of maintaining a credit balance.

AUTHORIZATIONS:  All  transactions  are  subject  to  funds  availability 
approvals.  Approved  Authorizations  result  in  placing  holds  against 

merchants  may  process 

transactions  without  placing  a 

funds 

any  repayment  penalty  at  any  time.  If  you  make  extra  payments  or 

to accrue until you repay your entire loan. We may accept partial and 

hold  against  your  Credit  Limit.  Some  merchants  may  process 

larger amounts in any particular month or months, you are still required 

late payments without losing any of our rights under this Agreement. 

transactions  without  an  approved  Authorization.  We  may  limit  the 

to  make  a  payment  of  at  least  the  Minimum  Payment  Due  each  and 

number  or  amount  of  approvals  at  anytime  or  deny  transactions 

every month your Account has a balance and your Statement reflects 

when  we  detect  unusual  or  suspicious  activity  without  reference  to 

a Minimum Payment Due amount. However, if your Account is selected 

your  available  Credit  Limit.  We  are  not  liable  for  failing  to  approve 

to participate in a skip payment promotion, you will be notified about 

any  transaction.  While  we  are  not  required  to,  we  may  approve 

the temporary terms of the promotion that you have been offered. Your 

transactions  that  cause  you  to  exceed  your  available  Credit  Limit. 

Minimum Monthly Payment Account terms will return to the terms listed 

We are not liable for approving transactions above your Credit Limit. 

in this Agreement at the end of the promotion. If your Statement has a 

GAMING  TRANSACTIONS:  You  may  not  utilize  your  Account 

for  any  transactions  or  purchases  of  any  goods  or  services  on 

the  internet  involving  gambling,  betting  or  wagering  of  any  sort. 

credit balance, no Minimum Monthly Payment is due and as allowed 

by law or regulation, we will hold and apply the credit balance against 

future  debits  on  your  Account  or  refund  it  at  your  written  request. 

Such  transactions  include,  but  may  not  be  limited  to,  any  quasi-

PROMISE TO PAY: You promise and agree to pay us for all transactions 

cash  or  online  gambling  transactions,  any  electronic  commerce 

accumulated on your Account by you and others you allowed, together 

transactions  conducted  over  an  open  network,  and  any  betting 

with  any  Interest  Charges,  late  charges,  collections  costs,  attorney’s 

transactions  including  the  purchase  of  lottery  tickets,  gambling 

fees,  any  fees  listed  on  the  current  Schedule  of  Fees,  available  to 

points,  casino  gaming  chips  or  off-track  wagering.  However,  in  the 

you  by  requesting  a  copy  from  us,  and  any  other  services  charges 

event  that  a  gaming  related  charge  or  transaction  posts  to  your 

described in this Agreement. All payments will be made to your Account 

Account,  you  are  still  responsible  for  the  payment  of  such  charges. 

in U.S. dollars. All payments must be drawn on funds on deposit with 

PLEDGE OF SHARES: You grant us a security interest in your deposit 

account(s) at  CU  SoCal  if  you  have  signed  or  otherwise  agreed  to  a 

separate share pledge agreement for a “Share Secured Visa”. In order 

to secure your obligations, you must keep on deposit in your regular 

share account(s) a sum equal to the amount agreed to in the separate 

security agreement until you repay your entire loan and the Account is 

terminated or converted from a “share secured Visa”. If you Default, we 

may apply these shares to pay the Account balance as agreed and as 

allowed by law. The Annual Percentage Rate described in this Agreement 

does not consider the amount pledged in your regular share account(s).

SECURITY  INTEREST—LIEN  ON  SHARES:  You  grant  us  a 

consensual security interest in your account(s) and have pledged 

funds  on  deposit  in  your  account(s)  (except  IRA  or  Deferred 

Compensation)  to  satisfy  debts  that  are  due  us.  We  reserve  the 

right  to  exercise  this  pledge  of  shares  for  liabilities  owed  to  us 

against any account(s) held by you individually or jointly with any 

other person(s) to the fullest extent permitted by law.  

INTERNATIONAL  SERVICE  ASSESSMENT  FEE  AND  FOREIGN 

TRANSACTIONS:  Purchases,  Advances  and  credits  transacted 

outside  the  United  States,  transacted  in  foreign  currencies,  or 

transacted  outside  the  United  States  and  in  foreign  currencies,  are 

subject to an International Service Assessment Fee (ISA). In all cases, 

the  transactions  will  be  billed  to  you  in  U.S.  dollars.  The  ISA  will  be 

charged to your account. The fee is equal to point eight percent (.8%) 

of  the  amount  of  the  transaction  (expressed  as  a  positive  number) 

when the transaction is made in U.S. dollars and processed outside 

of  the  U.S.  and  is  equal  to  one  percent  (1%)  of  the  amount  of  the 

transaction  (expressed  as  a  positive  number)  when  transacted  in  a 

foreign  currency  and  converted  to  U.S.  dollars.  The  exchange  rate 

used  to  convert  foreign  currency  to  U.S.  currency  is  a  rate  selected 

by  Visa  from  the  range  of  rates  available  in  wholesale  currency 

markets  for  the  Central  Processing  Date,  which  may  vary  from  the 

rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect 

for  the  applicable  Central  Processing  Date.  The  Central  Processing 

a United States depository financial institution. We may, at our option, 

accept payments made in foreign currency or checks drawn on non-

If you are a covered borrower under the Military Lending Act, 10 USC 

U.S. banks. If we do, we may impose service and collection charges 

sec. 987, this loan will not be secured by a consensual security interest 

charged  to  us  from  others  in  addition  to  the  FOREIGN  PAYMENT 

COLLECTION  FEE.  We  may  accept  checks,  money  orders,  or 

in  any  of  your  accounts  unless  you  specifically  agree  to  establish  a 

deposit  account  in  connection  with  this  VISA  Credit  Card  account 

other  types  of  payment  marked  “payment  in  full”  or  other  language 

(“Secured Account”). Only funds deposited into the Secured Account 

indicating  full  satisfaction  of  indebtedness,  without  being  bound 

after your VISA Credit Card account is opened will secure this account. 

by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 

satisfaction of indebtedness shall be accepted by us only in a written 

agreement signed by an authorized employee of CU SoCal. Payments 

in excess of the minimum amount due will be applied to the highest 

annual percentage rate balances before lower annual percentage rate 

balances. You may not use funds from this Account to make payments 

to this Account. If any Account payment is invalid or has been returned 

to us, we will reverse such payment and except for a CU SoCal error, 

you agree to a Returned Payment Fee. The fee will be added to your 

Account  balance  and  will  be  subject  to  all  terms  of  this  Agreement.

CALCULATION  OF  INTEREST  CHARGES:  If  payment  in  full  for  the 

entire New Balance shown on your Statement for the previous billing 

cycle was received by us by the Payment Due Date of that Statement 

we do not assess periodic Interest Charges on the Purchase portion 

of  your  Account  balance.  Periodic  Interest  Charges  are  imposed  on 

Purchases when the New Balance shown on the previous Statement is 

not paid in full within 25 days of the Statement Closing Date as indicated 

on the Statement as Payment Due Date. However, Interest Charges will 

be assessed and will accrue on any Advance portion of your balance 

from  the  date  that  such  Advance  is  posted  to  your  Account  until  the 

date the Advance balance is paid in full or the Statement Closing Date 

Date  is  the  date  Visa  receives  the  transaction  and  is  determined  by 

AUTHORIZATION  FOR  ELECTRONIC  DEBIT:  When  you  provide  a 

the depositing entity after the transaction date. The foreign transaction 

check as payment, you authorize us to use information from your check 

whichever  comes  first,  even  if  payment  of  the  entire  New  Balance  is 

fee  is  a  finance  charge  which  is  imposed  from  the  date  of  the 

to make a one-time electronic fund transfer from your account. In certain 

received by us by the Payment Due Date. In other words, there is no 

transaction.  Interest  does  not  accrue  on  the  foreign  transaction  fee.

circumstances, such as for technical or processing reasons, we may 

time  period  within  which  credit  extended  to  you  by  an  Advance  may 

PERIODIC  BILLING  STATEMENTS:  A  Periodic  Billing  Statement 

(Statement)  will  be  prepared  each  month  that  your  Account  shows 

activity, has an unpaid balance, has a credit balance, or includes an 

process your payment as a check transaction and you will not receive 

be repaid without incurring Interest Charges. Interest Charges for each 

your check back. If you prefer not to have your checks used in this manner, 

monthly billing cycle will be calculated by multiplying the Average Daily 

please contact us at 866 CU SoCal (866.287.6225) or 562.698.8326.

Balance of Purchases by the Monthly Periodic Rate and multiplying the 

important  notice  about  your  account.  When  new  activity  is  reflected 

DEFAULT:  You  will  be  in  Default  if  you  fail  to  comply  with  any  of  the 

on  the  Statement,  the  transaction(s)  will  be  described  including  the 

terms of this Agreement or any other loan agreement with us or anyone 

merchant, financial institution or machine location. The Statement will 

else,  if  you  are  a  party  to  any  bankruptcy  proceeding,  if  any  third 

be mailed to the address of record or otherwise sent as allowed by law. 

party attempts by legal process to take any of your property, in case 

MINIMUM  MONTHLY  PAYMENT:  Each  month  that  your  Statement 

has an unpaid balance, you must pay at least the Minimum Payment 

Due  by  the  Payment  Due  Date  as  shown  on  the  Statement.  The 

Minimum Monthly Payment is three percent (3%) of the New Balance 

as listed on the Statement, or $25, whichever is greater, plus any past 

due  amount  and  any  amount  over  your  Credit  Limit.  However  if  the 

New Balance is less than $25, the Minimum Monthly Payment will be 

the  full  amount  of  the  Statement  listed  as  Minimum  Payment  Due. 

The  Minimum  Payment  Due  must  be  received  at  the  address  listed 

on  the  Statement,  in  our  office,  or  electronically  no  later  than  the 

of  insolvency,  incompetency,  fraud  or  misrepresentation,  if  there  are 

changes in circumstances after your application that affect your ability 

to pay, if your creditworthiness is impaired, in case of your death, or 

as otherwise provided in this Agreement. If you are in Default, we may 

close  your  Account  or  suspend  your  Card  privileges  without  further 

notice and we may demand immediate payment of the unpaid balance 

including  all  fees  and  charges  and  other  sums  owed  under  this 

Agreement. In the event of any action by us to enforce this Agreement, 

you agree that you will pay our collection costs, court costs, attorneys’ 

fees,  including  those  incurred  by  bankruptcy,  and  other  expenses 

Average Daily Balance of Advances by the Monthly Periodic Rate. We 

will calculate your Average Daily Balance of Purchases by taking the 

outstanding Purchase balance (amount you owe) at the start of the day 

and add all new purchases and debit transactions and subtract credits 

and payments as described in this Agreement as well as Late Charges 

and Interest Charges that remain unpaid. The result is the daily balance 

of Purchases for that day. We add together all the daily balances for 

each  day  in  the  billing  cycle  and  divide  the  total  by  the  number  of 

days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  of 

Purchases  for  that  billing  cycle.  We  will  calculate  your  Average  Daily 

Balance of Advances by taking the beginning Cash Advance balance 

each  day,  add  any  new  Advance  or  Advance  debit  transaction  and 

subtract credits and payments as described in this Agreement as well 

as Late Charges and Interest Charges that remain unpaid. The result is 

CREDIT  UNION  OF  SOUTHERN  CALIFORNIA  CONSUMER 

procedures  if  presented  with  an  unsigned  card  and  may  refuse  to 

agree that you are responsible for repayment of any and all transactions 

CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING 

accept an unsigned card.

you  initiated  by  the  use  Card  whether  deemed  legal  or  illegal. 

DISCLOSURE: 

In  this  Agreement  and  Disclosure  Statement  (Agreement)  the  word 

Card  means  Credit  Union  of  Southern  California  consumer  credit 

card,  card  number,  and  any  other  means  of  accessing  the  line  of 

credit associated with the credit card account and includes the initial 

Card  issued  as  well  as  duplicates  and  renewals  we  may  issue.  The 

word  Account  means  the  line  of  credit  associated  with  the  Card. 

The  words  we,  us,  our  and  ours  mean  Credit  Union  of  Southern 

California  (CU  SoCal).  You,  your,  and  yours  means  any  person(s) 

who applies for a Card, who is a co-signer, who accepts an offer for 

the  Card,  who  uses  the  Card,  whose  name  appears  on  a  Card  or 

Account  Periodic  Billing  Statement  or  who  is  otherwise  liable  for  the 

Account. When we use a singular form of a word it is interchangeable 

with  the  plural  form  of  the  word  and  when  we  use  the  plural  form 

of  the  word  it  is  interchangeable  with  the  singular  form  of  the  word. 

CREDIT  LIMIT:  Your  Card  has  an  Account  limit  (Credit  Limit)  that 

ACCOUNT  CHECKS:  When  available,  you  can  use  Account 

is  established  by  us.  You  agree  that  you  have  received  a  separate 

Convenience  Checks  for  goods  and  services  or  to  obtain  cash 

written  notice  of  the  initial  Credit  Limit.  Your  Credit  Limit  is  also 

against  your  Credit  Limit  in  accordance  to  specific  instructions 

listed  on  your  Account  periodic  billing  Statement.  We  may  change 

limiting  use  when  included  with  the  Account  Convenience  Checks. 

the  limit  at  any  time  and  will  notify  you  by  mail  sent  to  the  address 

Account  Convenience  Checks  are  Advances  as  described  in  this 

of  record  for  the  primary  Account  holder  either  before  or  after  the 

Agreement.  Account  Convenience  Checks  do  not  qualify  for  “YOUR 

change  takes  effect.  If  the  change  was  a  Credit  Limit  increase  that 

RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR  CREDIT  CARD 

you  object  to,  you  must  notify  us  immediately.  You  or  your  joint 

PURCHASES”  described  in  this  Agreement  or  any  other  features  or 

applicant may request a change to your Credit Limit orally, in writing, 

benefits  that  pertain  to  Purchases.  We  are  not  responsible  or  liable 

or electronically. If your Credit Limit is increased, you are immediately 

for  the  results  of  any  misrouting  or  delay  in  processing  an  Account 

responsible  for  the  entire  Account  Credit  Limit  and  any  increase  in 

Convenience Check for any reason. You may order a stop payment on 

the  unpaid  balance  even  when  it  differs  from  an  amount  previously 

an Account Convenience Check, provided such a request is timely so 

agreed  to  orally,  in  writing,  or  electronically.  You  agree  that  you  will 

that we shall have a reasonable opportunity to act upon it under our 

not use your Card in a manner that will cause your unpaid balance to 

rules  by  notifying  us  either  orally  or  in  writing.  Oral  notices  must  be 

exceed the Credit Limit. However, if your balance exceeds your Credit 

confirmed  in  writing  within  fourteen  (14)  days.  Written  stop  payment 

ACCEPTING  THIS  AGREEMENT:  By  activating  your  card  or 

Limit, you are still obligated to pay us. You also agree to pay us the 

orders  will  remain  in  effect  only  six  (6)  months  unless  renewed  in 

authorizing transactions on your card account, you are accepting 

amount of any balance in excess of your Credit Limit along with your 

writing. We are not responsible or liable for any claims or liabilities of 

and  agreeing  to  the  terms  and  conditions  as  stated  in  this 

regular minimum payment at your next scheduled payment due date.  

payees or endorsers on Account Convenience Checks for which you 

Agreement.  If  you  do  not  use  the  Card  and  do  not  agree  to  be 

bound by this Agreement, destroy the Card and notify us that you 

wish to cancel your Account. 

MILITARY  LENDING  ACT  DISCLOSURES:  Federal  law  provides 

important  protections  to  members  of  the  Armed  Forces  and  their 

dependents relating to extensions of consumer credit. In general, the 

have  requested  payment  stopped.  We  are  not  responsible  or  liable 

for any claims or liabilities on Account Convenience Checks that were 

not  paid  when  you  have  placed  and  then  removed  a  stop  payment. 

ACCOUNT AGREEMENT: This Agreement governs your Account with 

cost of consumer credit to a member of the Armed Forces and his or her 

PROMOTIONS:  When  available,  you  can  use  your  Account  for 

us and using the Card or permitting others to use the Card issued to 

dependent may not exceed an annual percentage rate of 36 percent. 

special  offers  or  promotional  activities  that  we  may  offer  you.  If 

you binds you to the provisions, terms and conditions of this Agreement 

This rate must include, as applicable to the credit transaction or account: 

a  special  offer  or  promotion  is  offered  to  you,  we  will  explain  the 

and is your acceptance of this Agreement including any separate sheet 

The costs associated with credit insurance premiums; fees for ancillary 

details  within  the  offer.  Special  offers  and  promotions  are  subject 

of  paper labeled “Additional  Disclosure”, “Addendum” or “Change in 

products sold in connection with the credit transaction; any application 

to  this  Agreement  unless  we  explain  otherwise  in  the  offer  details. 

Terms” and the like which is delivered with or without this Agreement 

fee  charged  (other  than  certain  application  fees  for  specified  credit 

now or in the future. Such separate sheets become an integrated part of 

transactions  or  accounts);  and  any  participation  fee  charged  (other 

this Agreement by this declaration. This Agreement is also subject to the 

than certain participation fees for a credit card account). To receive oral 

terms and conditions of any other account agreements you have with us.

disclosures, please call us at 866.287.2665 during our normal business 

RESPONSIBILITY  FOR  ACCOUNT:  You  agree  you  are  liable  to  us 

hours:  Monday-Friday,  9  a.m.  to  6  p.m.,  Saturday,  9  a.m.-1  p.m.

REFUSAL  TO  HONOR  CARD  AND  CARD  RETENTION:  We  are 

not  responsible  or  liable  for  the  refusal  or  inability  of  any  electronic 

terminal, merchant, or financial institution to honor or accept the Card, 

authorize  funds  against  your  Credit  Limit  or  complete  a  transaction. 

We are not responsible for the retention of the Card or any liability or 

for  the  balance  on  your  Account  including  all  transactions,  Interest 

PURCHASES, ADVANCES AND USE OF ACCOUNT: Your Card is a 

damages resulting from the deprivation of the Card.

Charges, other charges, fees and costs described in this Agreement 

consumer credit card and may not be used for business or commercial 

and agree to pay us according to the terms of this Agreement arising 

purposes. You may use your Card for purchases of goods and services 

from the use of this Account by you or any other person you permit 

(Purchases)  from  merchants  that  accept  VISA  credit  cards.  You  may 

to use your Card (even if that person exceeded the amount for which 

use  your  Card  for  cash  advances  (Advances)  which  includes  cash, 

you gave permission.) You are jointly and severally responsible for all 

transfer of funds (such as a deposit into your CU SoCal share account), 

transactions on the Account. If more than one person is responsible for 

quasi-cash (such as money orders, fines, etcetera), Balance Transfers 

this Account as described in this Agreement, each person individually 

(amounts  we  send  to  other  creditors  at  your  request)  and  Account 

and  all  persons  jointly  are  obligated  to  pay  all  sums  due  under  this 

Checks.  You  may  obtain  Advances  by  using  the  Card  at  Automated 

Agreement.  If  the  Account  is  reallocated,  upgraded,  downgraded, 

Teller Machines (ATMs), requesting them from us or other participating 

acquired, merged, or otherwise changed, you are still obligated under 

financial institutions or merchants, using Account Checks, or requesting 

this  Agreement  unless  and  until  otherwise  notified.  If  you  decide  to 

a Balance Transfer orally, in writing or electronically. You may not use 

close your Account, please notify us in writing and destroy all Card(s) 

Advances from this Account to pay any amount you owe us under any 

on  the  Account.  Any  joint  user,  applicant,  or  other  responsible  entity 

credit  agreement  or  account  your  have  with  us  now  or  in  the  future. 

may close the Account, regardless of other joint’s or other responsible 

Purchases  and  Advances  are  subject  to  security  features  and  other 

entity’s preference or disagreement. However, all joint users and other 

events that may restrict the full use of your available Credit Limit. All 

responsible  entity’s  remain  liable  for  any  balance  on  the  Account, 

Purchases  and  Advances  are  subject  to  our  current  policies.  You 

including  but  not  limited  to  new  Interest  Charges,  service  and  late 

agree that you will not permit your Card to be used to make or facilitate 

charges, debit adjustments, collection fees and cost and transactions 

any  transaction  that  is  or  might  be  construed  to  be  illegal  pursuant 

to  the  Account  that  we  cannot  prevent,  pending  transactions, 

to  applicable  law,  rule  or  ordinance.  You  will  only  use  your  Card  for 

and  transactions  you  have  previously  agreed  to  or  authorized. 

transactions that are legal where you conduct them and in accordance 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you 

must sign the signature panel on your Card as soon as you receive it. 

Merchants are required to verify the signature on all VISA cards with the 

signed sales receipt. Merchants are required to follow certain security 

with this Agreement. We have no liability, responsibility, or culpability 

whatsoever for any illegal use and you further agree to indemnify and 

hold us harmless from any suits, liability, damages, or adverse action 

CREDIT SLIPS, RETURNS AND CANCELLATIONS: Merchants and 

others  who  honor  your  Card  may  issue  credits  to  your  Account  for 

purchase returns, cancellations or other adjustments when the original 

charge  was  made  on  your  Card.  You  have  the  sole  responsibility  to 

obtain  and  retain  a  written  copy  of  such  credit  notice,  credit  receipt 

or cancellation number in case the credit fails to post to your Account 

within thirty (15) days from the credit issuance or if you are charged 

for  a  “no  show”.  You  may  request  our  help  in  having  the  credit 

applied  to  your  Account  by  sending  us  a  copy  of  the  credit  slip  or 

cancellation  number  issued  by  the  merchant  but  you  must  do  so  in 

a timely manner that will allow us to pursue the credit in accordance 

with  the  Rules  and  Regulations  of  Visa.  We  are  not  able  to  assist 

you  in  having  the  credit  applied  if  the  credit  receipt  is  for  a  greater 

amount  than  the  original  transaction  that  posted  to  your  Account 

or  if  the  original  transaction  for  which  the  credit  was  issued  did  not 

post  to  your  Account.  If  your  credits  and  payments  exceed  what 

you owe us, we will hold and apply this credit balance against future 

Purchases,  Advances  and  other  Account  transactions  described 

in  this  Agreement  for  as  long  as  six  (6)  months.  You  may  request  a 

refund  of  a  credit  balance  or  we  will  deposit  it  into  your  CU  SoCal 

share account, or otherwise refund it when there is no open CU SoCal 

share account, within six (6) months of maintaining a credit balance.

of any kind that results directly or indirectly from such illegal use. You 

AUTHORIZATIONS:  All  transactions  are  subject  to  funds  availability 

approvals.  Approved  Authorizations  result  in  placing  holds  against 

transactions  without  placing  a 

your  Credit  Limit.  Some  merchants  may  request  Authorizations 
for  amounts  that  differ  from  the  actual  transaction  amount.  Some 
merchants  may  process 
funds 
hold  against  your  Credit  Limit.  Some  merchants  may  process 
transactions  without  an  approved  Authorization.  We  may  limit  the 
number  or  amount  of  approvals  at  anytime  or  deny  transactions 
when  we  detect  unusual  or  suspicious  activity  without  reference  to 
your  available  Credit  Limit.  We  are  not  liable  for  failing  to  approve 
any  transaction.  While  we  are  not  required  to,  we  may  approve 
transactions  that  cause  you  to  exceed  your  available  Credit  Limit. 
We are not liable for approving transactions above your Credit Limit. 

GAMING  TRANSACTIONS:  You  may  not  utilize  your  Account 
for  any  transactions  or  purchases  of  any  goods  or  services  on 
the  internet  involving  gambling,  betting  or  wagering  of  any  sort. 
Such  transactions  include,  but  may  not  be  limited  to,  any  quasi-
cash  or  online  gambling  transactions,  any  electronic  commerce 
transactions  conducted  over  an  open  network,  and  any  betting 
transactions  including  the  purchase  of  lottery  tickets,  gambling 
points,  casino  gaming  chips  or  off-track  wagering.  However,  in  the 
event  that  a  gaming  related  charge  or  transaction  posts  to  your 
Account,  you  are  still  responsible  for  the  payment  of  such  charges. 

INTERNATIONAL  SERVICE  ASSESSMENT  FEE  AND  FOREIGN 
TRANSACTIONS:  Purchases,  Advances  and  credits  transacted 
outside  the  United  States,  transacted  in  foreign  currencies,  or 
transacted  outside  the  United  States  and  in  foreign  currencies,  are 
subject to an International Service Assessment Fee (ISA). In all cases, 
the  transactions  will  be  billed  to  you  in  U.S.  dollars.  The  ISA  will  be 
charged to your account. The fee is equal to point eight percent (.8%) 
of  the  amount  of  the  transaction  (expressed  as  a  positive  number) 
when the transaction is made in U.S. dollars and processed outside 
of  the  U.S.  and  is  equal  to  one  percent  (1%)  of  the  amount  of  the 
transaction  (expressed  as  a  positive  number)  when  transacted  in  a 
foreign  currency  and  converted  to  U.S.  dollars.  The  exchange  rate 
used  to  convert  foreign  currency  to  U.S.  currency  is  a  rate  selected 
by  Visa  from  the  range  of  rates  available  in  wholesale  currency 
markets  for  the  Central  Processing  Date,  which  may  vary  from  the 
rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect 
for  the  applicable  Central  Processing  Date.  The  Central  Processing 
Date  is  the  date  Visa  receives  the  transaction  and  is  determined  by 
the depositing entity after the transaction date. The foreign transaction 
fee  is  a  finance  charge  which  is  imposed  from  the  date  of  the 
transaction.  Interest  does  not  accrue  on  the  foreign  transaction  fee.

PERIODIC  BILLING  STATEMENTS:  A  Periodic  Billing  Statement 
(Statement)  will  be  prepared  each  month  that  your  Account  shows 
activity, has an unpaid balance, has a credit balance, or includes an 
important  notice  about  your  account.  When  new  activity  is  reflected 
on  the  Statement,  the  transaction(s)  will  be  described  including  the 
merchant, financial institution or machine location. The Statement will 
be mailed to the address of record or otherwise sent as allowed by law. 

MINIMUM  MONTHLY  PAYMENT:  Each  month  that  your  Statement 
has an unpaid balance, you must pay at least the Minimum Payment 
Due  by  the  Payment  Due  Date  as  shown  on  the  Statement.  The 
Minimum Monthly Payment is three percent (3%) of the New Balance 
as listed on the Statement, or $25, whichever is greater, plus any past 
due  amount  and  any  amount  over  your  Credit  Limit.  However  if  the 
New Balance is less than $25, the Minimum Monthly Payment will be 
the  full  amount  of  the  Statement  listed  as  Minimum  Payment  Due. 
The  Minimum  Payment  Due  must  be  received  at  the  address  listed 
on  the  Statement,  in  our  office,  or  electronically  no  later  than  the 

Payment Due Date or the payment will be considered past due. You 

and  these  will  be  added  to  your  balance  of  your  Account.  If  you  are 

understand  that  you  can  repay  the  balance  in  part  or  in  full  without 

in Default, Interest Charges and other charges and fees will continue 

any  repayment  penalty  at  any  time.  If  you  make  extra  payments  or 

to accrue until you repay your entire loan. We may accept partial and 

larger amounts in any particular month or months, you are still required 

late payments without losing any of our rights under this Agreement. 

to  make  a  payment  of  at  least  the  Minimum  Payment  Due  each  and 

every month your Account has a balance and your Statement reflects 

a Minimum Payment Due amount. However, if your Account is selected 

to participate in a skip payment promotion, you will be notified about 

the temporary terms of the promotion that you have been offered. Your 

Minimum Monthly Payment Account terms will return to the terms listed 

in this Agreement at the end of the promotion. If your Statement has a 

credit balance, no Minimum Monthly Payment is due and as allowed 

by law or regulation, we will hold and apply the credit balance against 

future  debits  on  your  Account  or  refund  it  at  your  written  request. 

PROMISE TO PAY: You promise and agree to pay us for all transactions 

accumulated on your Account by you and others you allowed, together 

with  any  Interest  Charges,  late  charges,  collections  costs,  attorney’s 

fees,  any  fees  listed  on  the  current  Schedule  of  Fees,  available  to 

you  by  requesting  a  copy  from  us,  and  any  other  services  charges 

described in this Agreement. All payments will be made to your Account 

in U.S. dollars. All payments must be drawn on funds on deposit with 

a United States depository financial institution. We may, at our option, 

PLEDGE OF SHARES: You grant us a security interest in your deposit 

account(s) at  CU  SoCal  if  you  have  signed  or  otherwise  agreed  to  a 

separate share pledge agreement for a “Share Secured Visa”. In order 

to secure your obligations, you must keep on deposit in your regular 

share account(s) a sum equal to the amount agreed to in the separate 

security agreement until you repay your entire loan and the Account is 

terminated or converted from a “share secured Visa”. If you Default, we 

may apply these shares to pay the Account balance as agreed and as 

allowed by law. The Annual Percentage Rate described in this Agreement 

does not consider the amount pledged in your regular share account(s).

SECURITY  INTEREST—LIEN  ON  SHARES:  You  grant  us  a 

consensual security interest in your account(s) and have pledged 

funds  on  deposit  in  your  account(s)  (except  IRA  or  Deferred 

Compensation)  to  satisfy  debts  that  are  due  us.  We  reserve  the 

right  to  exercise  this  pledge  of  shares  for  liabilities  owed  to  us 

against any account(s) held by you individually or jointly with any 

other person(s) to the fullest extent permitted by law.  

accept payments made in foreign currency or checks drawn on non-

If you are a covered borrower under the Military Lending Act, 10 USC 

U.S. banks. If we do, we may impose service and collection charges 

sec. 987, this loan will not be secured by a consensual security interest 

charged  to  us  from  others  in  addition  to  the  FOREIGN  PAYMENT 

COLLECTION  FEE.  We  may  accept  checks,  money  orders,  or 

in  any  of  your  accounts  unless  you  specifically  agree  to  establish  a 

deposit  account  in  connection  with  this  VISA  Credit  Card  account 

other  types  of  payment  marked  “payment  in  full”  or  other  language 

(“Secured Account”). Only funds deposited into the Secured Account 

indicating  full  satisfaction  of  indebtedness,  without  being  bound 

after your VISA Credit Card account is opened will secure this account. 

by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 

satisfaction of indebtedness shall be accepted by us only in a written 

agreement signed by an authorized employee of CU SoCal. Payments 

in excess of the minimum amount due will be applied to the highest 

annual percentage rate balances before lower annual percentage rate 

balances. You may not use funds from this Account to make payments 

to this Account. If any Account payment is invalid or has been returned 

to us, we will reverse such payment and except for a CU SoCal error, 

you agree to a Returned Payment Fee. The fee will be added to your 

Account  balance  and  will  be  subject  to  all  terms  of  this  Agreement.

CALCULATION  OF  INTEREST  CHARGES:  If  payment  in  full  for  the 

entire New Balance shown on your Statement for the previous billing 

cycle was received by us by the Payment Due Date of that Statement 

we do not assess periodic Interest Charges on the Purchase portion 

of  your  Account  balance.  Periodic  Interest  Charges  are  imposed  on 

Purchases when the New Balance shown on the previous Statement is 

not paid in full within 25 days of the Statement Closing Date as indicated 

on the Statement as Payment Due Date. However, Interest Charges will 

be assessed and will accrue on any Advance portion of your balance 

from  the  date  that  such  Advance  is  posted  to  your  Account  until  the 

AUTHORIZATION  FOR  ELECTRONIC  DEBIT:  When  you  provide  a 

date the Advance balance is paid in full or the Statement Closing Date 

check as payment, you authorize us to use information from your check 

whichever  comes  first,  even  if  payment  of  the  entire  New  Balance  is 

to make a one-time electronic fund transfer from your account. In certain 

received by us by the Payment Due Date. In other words, there is no 

circumstances, such as for technical or processing reasons, we may 

time  period  within  which  credit  extended  to  you  by  an  Advance  may 

process your payment as a check transaction and you will not receive 

be repaid without incurring Interest Charges. Interest Charges for each 

your check back. If you prefer not to have your checks used in this manner, 

monthly billing cycle will be calculated by multiplying the Average Daily 

please contact us at 866 CU SoCal (866.287.6225) or 562.698.8326.

Balance of Purchases by the Monthly Periodic Rate and multiplying the 

DEFAULT:  You  will  be  in  Default  if  you  fail  to  comply  with  any  of  the 

terms of this Agreement or any other loan agreement with us or anyone 

else,  if  you  are  a  party  to  any  bankruptcy  proceeding,  if  any  third 

party attempts by legal process to take any of your property, in case 

of  insolvency,  incompetency,  fraud  or  misrepresentation,  if  there  are 

changes in circumstances after your application that affect your ability 

to pay, if your creditworthiness is impaired, in case of your death, or 

as otherwise provided in this Agreement. If you are in Default, we may 

close  your  Account  or  suspend  your  Card  privileges  without  further 

notice and we may demand immediate payment of the unpaid balance 

including  all  fees  and  charges  and  other  sums  owed  under  this 

Agreement. In the event of any action by us to enforce this Agreement, 

you agree that you will pay our collection costs, court costs, attorneys’ 

fees,  including  those  incurred  by  bankruptcy,  and  other  expenses 

Average Daily Balance of Advances by the Monthly Periodic Rate. We 

will calculate your Average Daily Balance of Purchases by taking the 

outstanding Purchase balance (amount you owe) at the start of the day 

and add all new purchases and debit transactions and subtract credits 

and payments as described in this Agreement as well as Late Charges 

and Interest Charges that remain unpaid. The result is the daily balance 

of Purchases for that day. We add together all the daily balances for 

each  day  in  the  billing  cycle  and  divide  the  total  by  the  number  of 

days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  of 

Purchases  for  that  billing  cycle.  We  will  calculate  your  Average  Daily 

Balance of Advances by taking the beginning Cash Advance balance 

each  day,  add  any  new  Advance  or  Advance  debit  transaction  and 

subtract credits and payments as described in this Agreement as well 

as Late Charges and Interest Charges that remain unpaid. The result is 

CREDIT  UNION  OF  SOUTHERN  CALIFORNIA  CONSUMER 

procedures  if  presented  with  an  unsigned  card  and  may  refuse  to 

agree that you are responsible for repayment of any and all transactions 

your  Credit  Limit.  Some  merchants  may  request  Authorizations 

CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING 

accept an unsigned card.

you  initiated  by  the  use  Card  whether  deemed  legal  or  illegal. 

for  amounts  that  differ  from  the  actual  transaction  amount.  Some 

DISCLOSURE: 

In  this  Agreement  and  Disclosure  Statement  (Agreement)  the  word 

Card  means  Credit  Union  of  Southern  California  consumer  credit 

card,  card  number,  and  any  other  means  of  accessing  the  line  of 

credit associated with the credit card account and includes the initial 

Card  issued  as  well  as  duplicates  and  renewals  we  may  issue.  The 

word  Account  means  the  line  of  credit  associated  with  the  Card. 

The  words  we,  us,  our  and  ours  mean  Credit  Union  of  Southern 

California  (CU  SoCal).  You,  your,  and  yours  means  any  person(s) 

who applies for a Card, who is a co-signer, who accepts an offer for 

the  Card,  who  uses  the  Card,  whose  name  appears  on  a  Card  or 

Account  Periodic  Billing  Statement  or  who  is  otherwise  liable  for  the 

Account. When we use a singular form of a word it is interchangeable 

with  the  plural  form  of  the  word  and  when  we  use  the  plural  form 

of  the  word  it  is  interchangeable  with  the  singular  form  of  the  word. 

CREDIT  LIMIT:  Your  Card  has  an  Account  limit  (Credit  Limit)  that 

ACCOUNT  CHECKS:  When  available,  you  can  use  Account 

is  established  by  us.  You  agree  that  you  have  received  a  separate 

Convenience  Checks  for  goods  and  services  or  to  obtain  cash 

written  notice  of  the  initial  Credit  Limit.  Your  Credit  Limit  is  also 

against  your  Credit  Limit  in  accordance  to  specific  instructions 

listed  on  your  Account  periodic  billing  Statement.  We  may  change 

limiting  use  when  included  with  the  Account  Convenience  Checks. 

the  limit  at  any  time  and  will  notify  you  by  mail  sent  to  the  address 

Account  Convenience  Checks  are  Advances  as  described  in  this 

of  record  for  the  primary  Account  holder  either  before  or  after  the 

Agreement.  Account  Convenience  Checks  do  not  qualify  for  “YOUR 

change  takes  effect.  If  the  change  was  a  Credit  Limit  increase  that 

RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR  CREDIT  CARD 

you  object  to,  you  must  notify  us  immediately.  You  or  your  joint 

PURCHASES”  described  in  this  Agreement  or  any  other  features  or 

applicant may request a change to your Credit Limit orally, in writing, 

benefits  that  pertain  to  Purchases.  We  are  not  responsible  or  liable 

merchants  may  process 

transactions  without  placing  a 

funds 

hold  against  your  Credit  Limit.  Some  merchants  may  process 

transactions  without  an  approved  Authorization.  We  may  limit  the 

number  or  amount  of  approvals  at  anytime  or  deny  transactions 

when  we  detect  unusual  or  suspicious  activity  without  reference  to 

your  available  Credit  Limit.  We  are  not  liable  for  failing  to  approve 

any  transaction.  While  we  are  not  required  to,  we  may  approve 

transactions  that  cause  you  to  exceed  your  available  Credit  Limit. 

We are not liable for approving transactions above your Credit Limit. 

or electronically. If your Credit Limit is increased, you are immediately 

for  the  results  of  any  misrouting  or  delay  in  processing  an  Account 

GAMING  TRANSACTIONS:  You  may  not  utilize  your  Account 

responsible  for  the  entire  Account  Credit  Limit  and  any  increase  in 

Convenience Check for any reason. You may order a stop payment on 

for  any  transactions  or  purchases  of  any  goods  or  services  on 

the  unpaid  balance  even  when  it  differs  from  an  amount  previously 

an Account Convenience Check, provided such a request is timely so 

the  internet  involving  gambling,  betting  or  wagering  of  any  sort. 

agreed  to  orally,  in  writing,  or  electronically.  You  agree  that  you  will 

that we shall have a reasonable opportunity to act upon it under our 

Such  transactions  include,  but  may  not  be  limited  to,  any  quasi-

not use your Card in a manner that will cause your unpaid balance to 

rules  by  notifying  us  either  orally  or  in  writing.  Oral  notices  must  be 

cash  or  online  gambling  transactions,  any  electronic  commerce 

exceed the Credit Limit. However, if your balance exceeds your Credit 

confirmed  in  writing  within  fourteen  (14)  days.  Written  stop  payment 

transactions  conducted  over  an  open  network,  and  any  betting 

ACCEPTING  THIS  AGREEMENT:  By  activating  your  card  or 

Limit, you are still obligated to pay us. You also agree to pay us the 

orders  will  remain  in  effect  only  six  (6)  months  unless  renewed  in 

transactions  including  the  purchase  of  lottery  tickets,  gambling 

authorizing transactions on your card account, you are accepting 

amount of any balance in excess of your Credit Limit along with your 

writing. We are not responsible or liable for any claims or liabilities of 

points,  casino  gaming  chips  or  off-track  wagering.  However,  in  the 

and  agreeing  to  the  terms  and  conditions  as  stated  in  this 

regular minimum payment at your next scheduled payment due date.  

payees or endorsers on Account Convenience Checks for which you 

event  that  a  gaming  related  charge  or  transaction  posts  to  your 

Agreement.  If  you  do  not  use  the  Card  and  do  not  agree  to  be 

bound by this Agreement, destroy the Card and notify us that you 

wish to cancel your Account. 

MILITARY  LENDING  ACT  DISCLOSURES:  Federal  law  provides 

important  protections  to  members  of  the  Armed  Forces  and  their 

dependents relating to extensions of consumer credit. In general, the 

have  requested  payment  stopped.  We  are  not  responsible  or  liable 

Account,  you  are  still  responsible  for  the  payment  of  such  charges. 

for any claims or liabilities on Account Convenience Checks that were 

not  paid  when  you  have  placed  and  then  removed  a  stop  payment. 

INTERNATIONAL  SERVICE  ASSESSMENT  FEE  AND  FOREIGN 

TRANSACTIONS:  Purchases,  Advances  and  credits  transacted 

ACCOUNT AGREEMENT: This Agreement governs your Account with 

cost of consumer credit to a member of the Armed Forces and his or her 

PROMOTIONS:  When  available,  you  can  use  your  Account  for 

outside  the  United  States,  transacted  in  foreign  currencies,  or 

us and using the Card or permitting others to use the Card issued to 

dependent may not exceed an annual percentage rate of 36 percent. 

special  offers  or  promotional  activities  that  we  may  offer  you.  If 

transacted  outside  the  United  States  and  in  foreign  currencies,  are 

you binds you to the provisions, terms and conditions of this Agreement 

This rate must include, as applicable to the credit transaction or account: 

a  special  offer  or  promotion  is  offered  to  you,  we  will  explain  the 

subject to an International Service Assessment Fee (ISA). In all cases, 

and is your acceptance of this Agreement including any separate sheet 

The costs associated with credit insurance premiums; fees for ancillary 

details  within  the  offer.  Special  offers  and  promotions  are  subject 

the  transactions  will  be  billed  to  you  in  U.S.  dollars.  The  ISA  will  be 

of paper labeled “Additional  Disclosure”, “Addendum”  or “Change in 

products sold in connection with the credit transaction; any application 

to  this  Agreement  unless  we  explain  otherwise  in  the  offer  details. 

charged to your account. The fee is equal to point eight percent (.8%) 

Terms” and the like which is delivered with or without this Agreement 

fee  charged  (other  than  certain  application  fees  for  specified  credit 

now or in the future. Such separate sheets become an integrated part of 

transactions  or  accounts);  and  any  participation  fee  charged  (other 

this Agreement by this declaration. This Agreement is also subject to the 

than certain participation fees for a credit card account). To receive oral 

terms and conditions of any other account agreements you have with us.

disclosures, please call us at 866.287.2665 during our normal business 

RESPONSIBILITY  FOR  ACCOUNT:  You  agree  you  are  liable  to  us 

hours:  Monday-Friday,  9  a.m.  to  6  p.m.,  Saturday,  9  a.m.-1  p.m.

REFUSAL  TO  HONOR  CARD  AND  CARD  RETENTION:  We  are 

not  responsible  or  liable  for  the  refusal  or  inability  of  any  electronic 

terminal, merchant, or financial institution to honor or accept the Card, 

authorize  funds  against  your  Credit  Limit  or  complete  a  transaction. 

We are not responsible for the retention of the Card or any liability or 

for  the  balance  on  your  Account  including  all  transactions,  Interest 

PURCHASES, ADVANCES AND USE OF ACCOUNT: Your Card is a 

damages resulting from the deprivation of the Card.

CREDIT SLIPS, RETURNS AND CANCELLATIONS: Merchants and 

others  who  honor  your  Card  may  issue  credits  to  your  Account  for 

purchase returns, cancellations or other adjustments when the original 

charge  was  made  on  your  Card.  You  have  the  sole  responsibility  to 

obtain  and  retain  a  written  copy  of  such  credit  notice,  credit  receipt 

or cancellation number in case the credit fails to post to your Account 

within thirty (15) days from the credit issuance or if you are charged 

for  a  “no  show”.  You  may  request  our  help  in  having  the  credit 

applied  to  your  Account  by  sending  us  a  copy  of  the  credit  slip  or 

cancellation  number  issued  by  the  merchant  but  you  must  do  so  in 

a timely manner that will allow us to pursue the credit in accordance 

with  the  Rules  and  Regulations  of  Visa.  We  are  not  able  to  assist 

you  in  having  the  credit  applied  if  the  credit  receipt  is  for  a  greater 

amount  than  the  original  transaction  that  posted  to  your  Account 

or  if  the  original  transaction  for  which  the  credit  was  issued  did  not 

of  the  amount  of  the  transaction  (expressed  as  a  positive  number) 

when the transaction is made in U.S. dollars and processed outside 

of  the  U.S.  and  is  equal  to  one  percent  (1%)  of  the  amount  of  the 

transaction  (expressed  as  a  positive  number)  when  transacted  in  a 

foreign  currency  and  converted  to  U.S.  dollars.  The  exchange  rate 

used  to  convert  foreign  currency  to  U.S.  currency  is  a  rate  selected 

by  Visa  from  the  range  of  rates  available  in  wholesale  currency 

markets  for  the  Central  Processing  Date,  which  may  vary  from  the 

rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect 

for  the  applicable  Central  Processing  Date.  The  Central  Processing 

Date  is  the  date  Visa  receives  the  transaction  and  is  determined  by 

the depositing entity after the transaction date. The foreign transaction 

fee  is  a  finance  charge  which  is  imposed  from  the  date  of  the 

transaction.  Interest  does  not  accrue  on  the  foreign  transaction  fee.

PERIODIC  BILLING  STATEMENTS:  A  Periodic  Billing  Statement 

(Statement)  will  be  prepared  each  month  that  your  Account  shows 

activity, has an unpaid balance, has a credit balance, or includes an 

important  notice  about  your  account.  When  new  activity  is  reflected 

on  the  Statement,  the  transaction(s)  will  be  described  including  the 

merchant, financial institution or machine location. The Statement will 

be mailed to the address of record or otherwise sent as allowed by law. 

Charges, other charges, fees and costs described in this Agreement 

consumer credit card and may not be used for business or commercial 

and agree to pay us according to the terms of this Agreement arising 

purposes. You may use your Card for purchases of goods and services 

from the use of this Account by you or any other person you permit 

(Purchases)  from  merchants  that  accept  VISA  credit  cards.  You  may 

to use your Card (even if that person exceeded the amount for which 

use  your  Card  for  cash  advances  (Advances)  which  includes  cash, 

you gave permission.) You are jointly and severally responsible for all 

transfer of funds (such as a deposit into your CU SoCal share account), 

transactions on the Account. If more than one person is responsible for 

quasi-cash (such as money orders, fines, etcetera), Balance Transfers 

this Account as described in this Agreement, each person individually 

(amounts  we  send  to  other  creditors  at  your  request)  and  Account 

and  all  persons  jointly  are  obligated  to  pay  all  sums  due  under  this 

Checks.  You  may  obtain  Advances  by  using  the  Card  at  Automated 

Agreement.  If  the  Account  is  reallocated,  upgraded,  downgraded, 

Teller Machines (ATMs), requesting them from us or other participating 

acquired, merged, or otherwise changed, you are still obligated under 

financial institutions or merchants, using Account Checks, or requesting 

this  Agreement  unless  and  until  otherwise  notified.  If  you  decide  to 

a Balance Transfer orally, in writing or electronically. You may not use 

close your Account, please notify us in writing and destroy all Card(s) 

Advances from this Account to pay any amount you owe us under any 

on  the  Account.  Any  joint  user,  applicant,  or  other  responsible  entity 

credit  agreement  or  account  your  have  with  us  now  or  in  the  future. 

may close the Account, regardless of other joint’s or other responsible 

Purchases  and  Advances  are  subject  to  security  features  and  other 

entity’s preference or disagreement. However, all joint users and other 

events that may restrict the full use of your available Credit Limit. All 

responsible  entity’s  remain  liable  for  any  balance  on  the  Account, 

Purchases  and  Advances  are  subject  to  our  current  policies.  You 

including  but  not  limited  to  new  Interest  Charges,  service  and  late 

agree that you will not permit your Card to be used to make or facilitate 

charges, debit adjustments, collection fees and cost and transactions 

any  transaction  that  is  or  might  be  construed  to  be  illegal  pursuant 

to  the  Account  that  we  cannot  prevent,  pending  transactions, 

to  applicable  law,  rule  or  ordinance.  You  will  only  use  your  Card  for 

and  transactions  you  have  previously  agreed  to  or  authorized. 

transactions that are legal where you conduct them and in accordance 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you 

must sign the signature panel on your Card as soon as you receive it. 

Merchants are required to verify the signature on all VISA cards with the 

signed sales receipt. Merchants are required to follow certain security 

with this Agreement. We have no liability, responsibility, or culpability 

whatsoever for any illegal use and you further agree to indemnify and 

hold us harmless from any suits, liability, damages, or adverse action 

post  to  your  Account.  If  your  credits  and  payments  exceed  what 

MINIMUM  MONTHLY  PAYMENT:  Each  month  that  your  Statement 

you owe us, we will hold and apply this credit balance against future 

has an unpaid balance, you must pay at least the Minimum Payment 

Purchases,  Advances  and  other  Account  transactions  described 

Due  by  the  Payment  Due  Date  as  shown  on  the  Statement.  The 

in  this  Agreement  for  as  long  as  six  (6)  months.  You  may  request  a 

Minimum Monthly Payment is three percent (3%) of the New Balance 

refund  of  a  credit  balance  or  we  will  deposit  it  into  your  CU  SoCal 

as listed on the Statement, or $25, whichever is greater, plus any past 

share account, or otherwise refund it when there is no open CU SoCal 

due  amount  and  any  amount  over  your  Credit  Limit.  However  if  the 

share account, within six (6) months of maintaining a credit balance.

New Balance is less than $25, the Minimum Monthly Payment will be 

of any kind that results directly or indirectly from such illegal use. You 

AUTHORIZATIONS:  All  transactions  are  subject  to  funds  availability 

approvals.  Approved  Authorizations  result  in  placing  holds  against 

the  full  amount  of  the  Statement  listed  as  Minimum  Payment  Due. 

The  Minimum  Payment  Due  must  be  received  at  the  address  listed 

on  the  Statement,  in  our  office,  or  electronically  no  later  than  the 

Payment Due Date or the payment will be considered past due. You 
understand  that  you  can  repay  the  balance  in  part  or  in  full  without 
any  repayment  penalty  at  any  time.  If  you  make  extra  payments  or 
larger amounts in any particular month or months, you are still required 
to  make  a  payment  of  at  least  the  Minimum  Payment  Due  each  and 
every month your Account has a balance and your Statement reflects 
a Minimum Payment Due amount. However, if your Account is selected 
to participate in a skip payment promotion, you will be notified about 
the temporary terms of the promotion that you have been offered. Your 
Minimum Monthly Payment Account terms will return to the terms listed 
in this Agreement at the end of the promotion. If your Statement has a 
credit balance, no Minimum Monthly Payment is due and as allowed 
by law or regulation, we will hold and apply the credit balance against 
future  debits  on  your  Account  or  refund  it  at  your  written  request. 

PROMISE TO PAY: You promise and agree to pay us for all transactions 
accumulated on your Account by you and others you allowed, together 
with  any  Interest  Charges,  late  charges,  collections  costs,  attorney’s 
fees,  any  fees  listed  on  the  current  Schedule  of  Fees,  available  to 
you  by  requesting  a  copy  from  us,  and  any  other  services  charges 
described in this Agreement. All payments will be made to your Account 
in U.S. dollars. All payments must be drawn on funds on deposit with 
a United States depository financial institution. We may, at our option, 
accept payments made in foreign currency or checks drawn on non-
U.S. banks. If we do, we may impose service and collection charges 
charged  to  us  from  others  in  addition  to  the  FOREIGN  PAYMENT 
COLLECTION  FEE.  We  may  accept  checks,  money  orders,  or 
other  types  of  payment  marked  “payment  in  full”  or  other  language 
indicating  full  satisfaction  of  indebtedness,  without  being  bound 
by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 
satisfaction of indebtedness shall be accepted by us only in a written 
agreement signed by an authorized employee of CU SoCal. Payments 
in excess of the minimum amount due will be applied to the highest 
annual percentage rate balances before lower annual percentage rate 
balances. You may not use funds from this Account to make payments 
to this Account. If any Account payment is invalid or has been returned 
to us, we will reverse such payment and except for a CU SoCal error, 
you agree to a Returned Payment Fee. The fee will be added to your 
Account  balance  and  will  be  subject  to  all  terms  of  this  Agreement.

AUTHORIZATION  FOR  ELECTRONIC  DEBIT:  When  you  provide  a 
check as payment, you authorize us to use information from your check 
to make a one-time electronic fund transfer from your account. In certain 
circumstances, such as for technical or processing reasons, we may 
process your payment as a check transaction and you will not receive 
your check back. If you prefer not to have your checks used in this manner, 
please contact us at 866 CU SoCal (866.287.6225) or 562.698.8326.

DEFAULT:  You  will  be  in  Default  if  you  fail  to  comply  with  any  of  the 
terms of this Agreement or any other loan agreement with us or anyone 
else,  if  you  are  a  party  to  any  bankruptcy  proceeding,  if  any  third 
party attempts by legal process to take any of your property, in case 
of  insolvency,  incompetency,  fraud  or  misrepresentation,  if  there  are 
changes in circumstances after your application that affect your ability 
to pay, if your creditworthiness is impaired, in case of your death, or 
as otherwise provided in this Agreement. If you are in Default, we may 
close  your  Account  or  suspend  your  Card  privileges  without  further 
notice and we may demand immediate payment of the unpaid balance 
including  all  fees  and  charges  and  other  sums  owed  under  this 
Agreement. In the event of any action by us to enforce this Agreement, 
you agree that you will pay our collection costs, court costs, attorneys’ 
fees,  including  those  incurred  by  bankruptcy,  and  other  expenses 

and  these  will  be  added  to  your  balance  of  your  Account.  If  you  are 

in Default, Interest Charges and other charges and fees will continue 

to accrue until you repay your entire loan. We may accept partial and 

late payments without losing any of our rights under this Agreement. 

PLEDGE OF SHARES: You grant us a security interest in your deposit 

account(s) at  CU  SoCal  if  you  have  signed  or  otherwise  agreed  to  a 

separate share pledge agreement for a “Share Secured Visa”. In order 

to secure your obligations, you must keep on deposit in your regular 

share account(s) a sum equal to the amount agreed to in the separate 

security agreement until you repay your entire loan and the Account is 

terminated or converted from a “share secured Visa”. If you Default, we 

may apply these shares to pay the Account balance as agreed and as 

allowed by law. The Annual Percentage Rate described in this Agreement 

does not consider the amount pledged in your regular share account(s).

SECURITY  INTEREST—LIEN  ON  SHARES:  You  grant  us  a 

consensual security interest in your account(s) and have pledged 

funds  on  deposit  in  your  account(s)  (except  IRA  or  Deferred 

Compensation)  to  satisfy  debts  that  are  due  us.  We  reserve  the 

right  to  exercise  this  pledge  of  shares  for  liabilities  owed  to  us 

against any account(s) held by you individually or jointly with any 

other person(s) to the fullest extent permitted by law.  

If you are a covered borrower under the Military Lending Act, 10 USC 

sec. 987, this loan will not be secured by a consensual security interest 

in  any  of  your  accounts  unless  you  specifically  agree  to  establish  a 

deposit  account  in  connection  with  this  VISA  Credit  Card  account 

(“Secured Account”). Only funds deposited into the Secured Account 

after your VISA Credit Card account is opened will secure this account. 

CALCULATION  OF  INTEREST  CHARGES:  If  payment  in  full  for  the 

entire New Balance shown on your Statement for the previous billing 

cycle was received by us by the Payment Due Date of that Statement 

we do not assess periodic Interest Charges on the Purchase portion 

of  your  Account  balance.  Periodic  Interest  Charges  are  imposed  on 

Purchases when the New Balance shown on the previous Statement is 

not paid in full within 25 days of the Statement Closing Date as indicated 

on the Statement as Payment Due Date. However, Interest Charges will 

be assessed and will accrue on any Advance portion of your balance 

from  the  date  that  such  Advance  is  posted  to  your  Account  until  the 

date the Advance balance is paid in full or the Statement Closing Date 

whichever  comes  first,  even  if  payment  of  the  entire  New  Balance  is 

received by us by the Payment Due Date. In other words, there is no 

time  period  within  which  credit  extended  to  you  by  an  Advance  may 

be repaid without incurring Interest Charges. Interest Charges for each 

monthly billing cycle will be calculated by multiplying the Average Daily 

Balance of Purchases by the Monthly Periodic Rate and multiplying the 

Average Daily Balance of Advances by the Monthly Periodic Rate. We 

will calculate your Average Daily Balance of Purchases by taking the 

outstanding Purchase balance (amount you owe) at the start of the day 

and add all new purchases and debit transactions and subtract credits 

and payments as described in this Agreement as well as Late Charges 

and Interest Charges that remain unpaid. The result is the daily balance 

of Purchases for that day. We add together all the daily balances for 

each  day  in  the  billing  cycle  and  divide  the  total  by  the  number  of 

days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  of 

Purchases  for  that  billing  cycle.  We  will  calculate  your  Average  Daily 

Balance of Advances by taking the beginning Cash Advance balance 

each  day,  add  any  new  Advance  or  Advance  debit  transaction  and 

subtract credits and payments as described in this Agreement as well 

as Late Charges and Interest Charges that remain unpaid. The result is 

CREDIT  UNION  OF  SOUTHERN  CALIFORNIA  CONSUMER 

procedures  if  presented  with  an  unsigned  card  and  may  refuse  to 

agree that you are responsible for repayment of any and all transactions 

your  Credit  Limit.  Some  merchants  may  request  Authorizations 

Payment Due Date or the payment will be considered past due. You 

CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING 

accept an unsigned card.

you  initiated  by  the  use  Card  whether  deemed  legal  or  illegal. 

for  amounts  that  differ  from  the  actual  transaction  amount.  Some 

understand  that  you  can  repay  the  balance  in  part  or  in  full  without 

DISCLOSURE: 

In  this  Agreement  and  Disclosure  Statement  (Agreement)  the  word 

Card  means  Credit  Union  of  Southern  California  consumer  credit 

card,  card  number,  and  any  other  means  of  accessing  the  line  of 

credit associated with the credit card account and includes the initial 

Card  issued  as  well  as  duplicates  and  renewals  we  may  issue.  The 

word  Account  means  the  line  of  credit  associated  with  the  Card. 

The  words  we,  us,  our  and  ours  mean  Credit  Union  of  Southern 

California  (CU  SoCal).  You,  your,  and  yours  means  any  person(s) 

who applies for a Card, who is a co-signer, who accepts an offer for 

the  Card,  who  uses  the  Card,  whose  name  appears  on  a  Card  or 

Account  Periodic  Billing  Statement  or  who  is  otherwise  liable  for  the 

Account. When we use a singular form of a word it is interchangeable 

with  the  plural  form  of  the  word  and  when  we  use  the  plural  form 

of  the  word  it  is  interchangeable  with  the  singular  form  of  the  word. 

CREDIT  LIMIT:  Your  Card  has  an  Account  limit  (Credit  Limit)  that 

ACCOUNT  CHECKS:  When  available,  you  can  use  Account 

is  established  by  us.  You  agree  that  you  have  received  a  separate 

Convenience  Checks  for  goods  and  services  or  to  obtain  cash 

written  notice  of  the  initial  Credit  Limit.  Your  Credit  Limit  is  also 

against  your  Credit  Limit  in  accordance  to  specific  instructions 

listed  on  your  Account  periodic  billing  Statement.  We  may  change 

limiting  use  when  included  with  the  Account  Convenience  Checks. 

the  limit  at  any  time  and  will  notify  you  by  mail  sent  to  the  address 

Account  Convenience  Checks  are  Advances  as  described  in  this 

of  record  for  the  primary  Account  holder  either  before  or  after  the 

Agreement.  Account  Convenience  Checks  do  not  qualify  for  “YOUR 

change  takes  effect.  If  the  change  was  a  Credit  Limit  increase  that 

RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR  CREDIT  CARD 

you  object  to,  you  must  notify  us  immediately.  You  or  your  joint 

PURCHASES”  described  in  this  Agreement  or  any  other  features  or 

applicant may request a change to your Credit Limit orally, in writing, 

benefits  that  pertain  to  Purchases.  We  are  not  responsible  or  liable 

merchants  may  process 

transactions  without  placing  a 

funds 

any  repayment  penalty  at  any  time.  If  you  make  extra  payments  or 

hold  against  your  Credit  Limit.  Some  merchants  may  process 

larger amounts in any particular month or months, you are still required 

transactions  without  an  approved  Authorization.  We  may  limit  the 

to  make  a  payment  of  at  least  the  Minimum  Payment  Due  each  and 

number  or  amount  of  approvals  at  anytime  or  deny  transactions 

every month your Account has a balance and your Statement reflects 

when  we  detect  unusual  or  suspicious  activity  without  reference  to 

a Minimum Payment Due amount. However, if your Account is selected 

your  available  Credit  Limit.  We  are  not  liable  for  failing  to  approve 

to participate in a skip payment promotion, you will be notified about 

any  transaction.  While  we  are  not  required  to,  we  may  approve 

the temporary terms of the promotion that you have been offered. Your 

transactions  that  cause  you  to  exceed  your  available  Credit  Limit. 

Minimum Monthly Payment Account terms will return to the terms listed 

We are not liable for approving transactions above your Credit Limit. 

in this Agreement at the end of the promotion. If your Statement has a 

or electronically. If your Credit Limit is increased, you are immediately 

for  the  results  of  any  misrouting  or  delay  in  processing  an  Account 

GAMING  TRANSACTIONS:  You  may  not  utilize  your  Account 

responsible  for  the  entire  Account  Credit  Limit  and  any  increase  in 

Convenience Check for any reason. You may order a stop payment on 

for  any  transactions  or  purchases  of  any  goods  or  services  on 

the  unpaid  balance  even  when  it  differs  from  an  amount  previously 

an Account Convenience Check, provided such a request is timely so 

the  internet  involving  gambling,  betting  or  wagering  of  any  sort. 

credit balance, no Minimum Monthly Payment is due and as allowed 

by law or regulation, we will hold and apply the credit balance against 

future  debits  on  your  Account  or  refund  it  at  your  written  request. 

agreed  to  orally,  in  writing,  or  electronically.  You  agree  that  you  will 

that we shall have a reasonable opportunity to act upon it under our 

Such  transactions  include,  but  may  not  be  limited  to,  any  quasi-

PROMISE TO PAY: You promise and agree to pay us for all transactions 

not use your Card in a manner that will cause your unpaid balance to 

rules  by  notifying  us  either  orally  or  in  writing.  Oral  notices  must  be 

cash  or  online  gambling  transactions,  any  electronic  commerce 

accumulated on your Account by you and others you allowed, together 

exceed the Credit Limit. However, if your balance exceeds your Credit 

confirmed  in  writing  within  fourteen  (14)  days.  Written  stop  payment 

transactions  conducted  over  an  open  network,  and  any  betting 

with  any  Interest  Charges,  late  charges,  collections  costs,  attorney’s 

ACCEPTING  THIS  AGREEMENT:  By  activating  your  card  or 

Limit, you are still obligated to pay us. You also agree to pay us the 

orders  will  remain  in  effect  only  six  (6)  months  unless  renewed  in 

transactions  including  the  purchase  of  lottery  tickets,  gambling 

fees,  any  fees  listed  on  the  current  Schedule  of  Fees,  available  to 

authorizing transactions on your card account, you are accepting 

amount of any balance in excess of your Credit Limit along with your 

writing. We are not responsible or liable for any claims or liabilities of 

points,  casino  gaming  chips  or  off-track  wagering.  However,  in  the 

you  by  requesting  a  copy  from  us,  and  any  other  services  charges 

and  agreeing  to  the  terms  and  conditions  as  stated  in  this 

regular minimum payment at your next scheduled payment due date.  

payees or endorsers on Account Convenience Checks for which you 

event  that  a  gaming  related  charge  or  transaction  posts  to  your 

described in this Agreement. All payments will be made to your Account 

have  requested  payment  stopped.  We  are  not  responsible  or  liable 

Account,  you  are  still  responsible  for  the  payment  of  such  charges. 

in U.S. dollars. All payments must be drawn on funds on deposit with 

Agreement.  If  you  do  not  use  the  Card  and  do  not  agree  to  be 

bound by this Agreement, destroy the Card and notify us that you 

wish to cancel your Account. 

MILITARY  LENDING  ACT  DISCLOSURES:  Federal  law  provides 

important  protections  to  members  of  the  Armed  Forces  and  their 

dependents relating to extensions of consumer credit. In general, the 

for any claims or liabilities on Account Convenience Checks that were 

not  paid  when  you  have  placed  and  then  removed  a  stop  payment. 

INTERNATIONAL  SERVICE  ASSESSMENT  FEE  AND  FOREIGN 

TRANSACTIONS:  Purchases,  Advances  and  credits  transacted 

ACCOUNT AGREEMENT: This Agreement governs your Account with 

cost of consumer credit to a member of the Armed Forces and his or her 

PROMOTIONS:  When  available,  you  can  use  your  Account  for 

outside  the  United  States,  transacted  in  foreign  currencies,  or 

us and using the Card or permitting others to use the Card issued to 

dependent may not exceed an annual percentage rate of 36 percent. 

special  offers  or  promotional  activities  that  we  may  offer  you.  If 

transacted  outside  the  United  States  and  in  foreign  currencies,  are 

you binds you to the provisions, terms and conditions of this Agreement 

This rate must include, as applicable to the credit transaction or account: 

a  special  offer  or  promotion  is  offered  to  you,  we  will  explain  the 

subject to an International Service Assessment Fee (ISA). In all cases, 

and is your acceptance of this Agreement including any separate sheet 

The costs associated with credit insurance premiums; fees for ancillary 

details  within  the  offer.  Special  offers  and  promotions  are  subject 

the  transactions  will  be  billed  to  you  in  U.S.  dollars.  The  ISA  will  be 

of paper labeled “Additional  Disclosure”, “Addendum” or “Change in 

products sold in connection with the credit transaction; any application 

to  this  Agreement  unless  we  explain  otherwise  in  the  offer  details. 

charged to your account. The fee is equal to point eight percent (.8%) 

Terms” and the like which is delivered with or without this Agreement 

fee  charged  (other  than  certain  application  fees  for  specified  credit 

now or in the future. Such separate sheets become an integrated part of 

transactions  or  accounts);  and  any  participation  fee  charged  (other 

this Agreement by this declaration. This Agreement is also subject to the 

than certain participation fees for a credit card account). To receive oral 

terms and conditions of any other account agreements you have with us.

disclosures, please call us at 866.287.2665 during our normal business 

RESPONSIBILITY  FOR  ACCOUNT:  You  agree  you  are  liable  to  us 

hours:  Monday-Friday,  9  a.m.  to  6  p.m.,  Saturday,  9  a.m.-1  p.m.

REFUSAL  TO  HONOR  CARD  AND  CARD  RETENTION:  We  are 

not  responsible  or  liable  for  the  refusal  or  inability  of  any  electronic 

terminal, merchant, or financial institution to honor or accept the Card, 

authorize  funds  against  your  Credit  Limit  or  complete  a  transaction. 

We are not responsible for the retention of the Card or any liability or 

for  the  balance  on  your  Account  including  all  transactions,  Interest 

PURCHASES, ADVANCES AND USE OF ACCOUNT: Your Card is a 

damages resulting from the deprivation of the Card.

of  the  amount  of  the  transaction  (expressed  as  a  positive  number) 

when the transaction is made in U.S. dollars and processed outside 

of  the  U.S.  and  is  equal  to  one  percent  (1%)  of  the  amount  of  the 

transaction  (expressed  as  a  positive  number)  when  transacted  in  a 

foreign  currency  and  converted  to  U.S.  dollars.  The  exchange  rate 

used  to  convert  foreign  currency  to  U.S.  currency  is  a  rate  selected 

by  Visa  from  the  range  of  rates  available  in  wholesale  currency 

markets  for  the  Central  Processing  Date,  which  may  vary  from  the 

rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect 

for  the  applicable  Central  Processing  Date.  The  Central  Processing 

a United States depository financial institution. We may, at our option, 

accept payments made in foreign currency or checks drawn on non-

U.S. banks. If we do, we may impose service and collection charges 

charged  to  us  from  others  in  addition  to  the  FOREIGN  PAYMENT 

COLLECTION  FEE.  We  may  accept  checks,  money  orders,  or 

other  types  of  payment  marked  “payment  in  full”  or  other  language 

indicating  full  satisfaction  of  indebtedness,  without  being  bound 

by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 

satisfaction of indebtedness shall be accepted by us only in a written 

agreement signed by an authorized employee of CU SoCal. Payments 

in excess of the minimum amount due will be applied to the highest 

annual percentage rate balances before lower annual percentage rate 

balances. You may not use funds from this Account to make payments 

to this Account. If any Account payment is invalid or has been returned 

to us, we will reverse such payment and except for a CU SoCal error, 

you agree to a Returned Payment Fee. The fee will be added to your 

Account  balance  and  will  be  subject  to  all  terms  of  this  Agreement.

CREDIT SLIPS, RETURNS AND CANCELLATIONS: Merchants and 

others  who  honor  your  Card  may  issue  credits  to  your  Account  for 

purchase returns, cancellations or other adjustments when the original 

charge  was  made  on  your  Card.  You  have  the  sole  responsibility  to 

obtain  and  retain  a  written  copy  of  such  credit  notice,  credit  receipt 

or cancellation number in case the credit fails to post to your Account 

within thirty (15) days from the credit issuance or if you are charged 

for  a  “no  show”.  You  may  request  our  help  in  having  the  credit 

applied  to  your  Account  by  sending  us  a  copy  of  the  credit  slip  or 

cancellation  number  issued  by  the  merchant  but  you  must  do  so  in 

a timely manner that will allow us to pursue the credit in accordance 

with  the  Rules  and  Regulations  of  Visa.  We  are  not  able  to  assist 

you  in  having  the  credit  applied  if  the  credit  receipt  is  for  a  greater 

amount  than  the  original  transaction  that  posted  to  your  Account 

or  if  the  original  transaction  for  which  the  credit  was  issued  did  not 

Date  is  the  date  Visa  receives  the  transaction  and  is  determined  by 

AUTHORIZATION  FOR  ELECTRONIC  DEBIT:  When  you  provide  a 

the depositing entity after the transaction date. The foreign transaction 

check as payment, you authorize us to use information from your check 

fee  is  a  finance  charge  which  is  imposed  from  the  date  of  the 

to make a one-time electronic fund transfer from your account. In certain 

transaction.  Interest  does  not  accrue  on  the  foreign  transaction  fee.

circumstances, such as for technical or processing reasons, we may 

PERIODIC  BILLING  STATEMENTS:  A  Periodic  Billing  Statement 

(Statement)  will  be  prepared  each  month  that  your  Account  shows 

activity, has an unpaid balance, has a credit balance, or includes an 

process your payment as a check transaction and you will not receive 

your check back. If you prefer not to have your checks used in this manner, 

please contact us at 866 CU SoCal (866.287.6225) or 562.698.8326.

important  notice  about  your  account.  When  new  activity  is  reflected 

DEFAULT:  You  will  be  in  Default  if  you  fail  to  comply  with  any  of  the 

on  the  Statement,  the  transaction(s)  will  be  described  including  the 

terms of this Agreement or any other loan agreement with us or anyone 

merchant, financial institution or machine location. The Statement will 

else,  if  you  are  a  party  to  any  bankruptcy  proceeding,  if  any  third 

be mailed to the address of record or otherwise sent as allowed by law. 

party attempts by legal process to take any of your property, in case 

Charges, other charges, fees and costs described in this Agreement 

consumer credit card and may not be used for business or commercial 

and agree to pay us according to the terms of this Agreement arising 

purposes. You may use your Card for purchases of goods and services 

from the use of this Account by you or any other person you permit 

(Purchases)  from  merchants  that  accept  VISA  credit  cards.  You  may 

to use your Card (even if that person exceeded the amount for which 

use  your  Card  for  cash  advances  (Advances)  which  includes  cash, 

you gave permission.) You are jointly and severally responsible for all 

transfer of funds (such as a deposit into your CU SoCal share account), 

transactions on the Account. If more than one person is responsible for 

quasi-cash (such as money orders, fines, etcetera), Balance Transfers 

this Account as described in this Agreement, each person individually 

(amounts  we  send  to  other  creditors  at  your  request)  and  Account 

and  all  persons  jointly  are  obligated  to  pay  all  sums  due  under  this 

Checks.  You  may  obtain  Advances  by  using  the  Card  at  Automated 

Agreement.  If  the  Account  is  reallocated,  upgraded,  downgraded, 

Teller Machines (ATMs), requesting them from us or other participating 

acquired, merged, or otherwise changed, you are still obligated under 

financial institutions or merchants, using Account Checks, or requesting 

this  Agreement  unless  and  until  otherwise  notified.  If  you  decide  to 

a Balance Transfer orally, in writing or electronically. You may not use 

close your Account, please notify us in writing and destroy all Card(s) 

Advances from this Account to pay any amount you owe us under any 

on  the  Account.  Any  joint  user,  applicant,  or  other  responsible  entity 

credit  agreement  or  account  your  have  with  us  now  or  in  the  future. 

may close the Account, regardless of other joint’s or other responsible 

Purchases  and  Advances  are  subject  to  security  features  and  other 

entity’s preference or disagreement. However, all joint users and other 

events that may restrict the full use of your available Credit Limit. All 

responsible  entity’s  remain  liable  for  any  balance  on  the  Account, 

Purchases  and  Advances  are  subject  to  our  current  policies.  You 

including  but  not  limited  to  new  Interest  Charges,  service  and  late 

agree that you will not permit your Card to be used to make or facilitate 

charges, debit adjustments, collection fees and cost and transactions 

any  transaction  that  is  or  might  be  construed  to  be  illegal  pursuant 

to  the  Account  that  we  cannot  prevent,  pending  transactions, 

to  applicable  law,  rule  or  ordinance.  You  will  only  use  your  Card  for 

and  transactions  you  have  previously  agreed  to  or  authorized. 

transactions that are legal where you conduct them and in accordance 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you 

must sign the signature panel on your Card as soon as you receive it. 

Merchants are required to verify the signature on all VISA cards with the 

signed sales receipt. Merchants are required to follow certain security 

with this Agreement. We have no liability, responsibility, or culpability 

whatsoever for any illegal use and you further agree to indemnify and 

hold us harmless from any suits, liability, damages, or adverse action 

of any kind that results directly or indirectly from such illegal use. You 

AUTHORIZATIONS:  All  transactions  are  subject  to  funds  availability 

approvals.  Approved  Authorizations  result  in  placing  holds  against 

the  full  amount  of  the  Statement  listed  as  Minimum  Payment  Due. 

The  Minimum  Payment  Due  must  be  received  at  the  address  listed 

on  the  Statement,  in  our  office,  or  electronically  no  later  than  the 

post  to  your  Account.  If  your  credits  and  payments  exceed  what 

MINIMUM  MONTHLY  PAYMENT:  Each  month  that  your  Statement 

you owe us, we will hold and apply this credit balance against future 

has an unpaid balance, you must pay at least the Minimum Payment 

Purchases,  Advances  and  other  Account  transactions  described 

Due  by  the  Payment  Due  Date  as  shown  on  the  Statement.  The 

in  this  Agreement  for  as  long  as  six  (6)  months.  You  may  request  a 

Minimum Monthly Payment is three percent (3%) of the New Balance 

refund  of  a  credit  balance  or  we  will  deposit  it  into  your  CU  SoCal 

as listed on the Statement, or $25, whichever is greater, plus any past 

share account, or otherwise refund it when there is no open CU SoCal 

due  amount  and  any  amount  over  your  Credit  Limit.  However  if  the 

share account, within six (6) months of maintaining a credit balance.

New Balance is less than $25, the Minimum Monthly Payment will be 

of  insolvency,  incompetency,  fraud  or  misrepresentation,  if  there  are 

changes in circumstances after your application that affect your ability 

to pay, if your creditworthiness is impaired, in case of your death, or 

as otherwise provided in this Agreement. If you are in Default, we may 

close  your  Account  or  suspend  your  Card  privileges  without  further 

notice and we may demand immediate payment of the unpaid balance 

including  all  fees  and  charges  and  other  sums  owed  under  this 

Agreement. In the event of any action by us to enforce this Agreement, 

you agree that you will pay our collection costs, court costs, attorneys’ 

fees,  including  those  incurred  by  bankruptcy,  and  other  expenses 

and  these  will  be  added  to  your  balance  of  your  Account.  If  you  are 
in Default, Interest Charges and other charges and fees will continue 
to accrue until you repay your entire loan. We may accept partial and 
late payments without losing any of our rights under this Agreement. 

PLEDGE OF SHARES: You grant us a security interest in your deposit 
account(s) at  CU  SoCal  if  you  have  signed  or  otherwise  agreed  to  a 
separate share pledge agreement for a “Share Secured Visa”. In order 
to secure your obligations, you must keep on deposit in your regular 
share account(s) a sum equal to the amount agreed to in the separate 
security agreement until you repay your entire loan and the Account is 
terminated or converted from a “share secured Visa”. If you Default, we 
may apply these shares to pay the Account balance as agreed and as 
allowed by law. The Annual Percentage Rate described in this Agreement 
does not consider the amount pledged in your regular share account(s).

SECURITY  INTEREST—LIEN  ON  SHARES:  You  grant  us  a 
consensual security interest in your account(s) and have pledged 
funds  on  deposit  in  your  account(s)  (except  IRA  or  Deferred 
Compensation)  to  satisfy  debts  that  are  due  us.  We  reserve  the 
right  to  exercise  this  pledge  of  shares  for  liabilities  owed  to  us 
against any account(s) held by you individually or jointly with any 
other person(s) to the fullest extent permitted by law.  

If you are a covered borrower under the Military Lending Act, 10 USC 
sec. 987, this loan will not be secured by a consensual security interest 
in  any  of  your  accounts  unless  you  specifically  agree  to  establish  a 
deposit  account  in  connection  with  this  VISA  Credit  Card  account 
(“Secured Account”). Only funds deposited into the Secured Account 
after your VISA Credit Card account is opened will secure this account. 

CALCULATION  OF  INTEREST  CHARGES:  If  payment  in  full  for  the 
entire New Balance shown on your Statement for the previous billing 
cycle was received by us by the Payment Due Date of that Statement 
we do not assess periodic Interest Charges on the Purchase portion 
of  your  Account  balance.  Periodic  Interest  Charges  are  imposed  on 
Purchases when the New Balance shown on the previous Statement is 
not paid in full within 25 days of the Statement Closing Date as indicated 
on the Statement as Payment Due Date. However, Interest Charges will 
be assessed and will accrue on any Advance portion of your balance 
from  the  date  that  such  Advance  is  posted  to  your  Account  until  the 
date the Advance balance is paid in full or the Statement Closing Date 
whichever  comes  first,  even  if  payment  of  the  entire  New  Balance  is 
received by us by the Payment Due Date. In other words, there is no 
time  period  within  which  credit  extended  to  you  by  an  Advance  may 
be repaid without incurring Interest Charges. Interest Charges for each 
monthly billing cycle will be calculated by multiplying the Average Daily 
Balance of Purchases by the Monthly Periodic Rate and multiplying the 
Average Daily Balance of Advances by the Monthly Periodic Rate. We 
will calculate your Average Daily Balance of Purchases by taking the 
outstanding Purchase balance (amount you owe) at the start of the day 
and add all new purchases and debit transactions and subtract credits 
and payments as described in this Agreement as well as Late Charges 
and Interest Charges that remain unpaid. The result is the daily balance 
of Purchases for that day. We add together all the daily balances for 
each  day  in  the  billing  cycle  and  divide  the  total  by  the  number  of 
days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  of 
Purchases  for  that  billing  cycle.  We  will  calculate  your  Average  Daily 
Balance of Advances by taking the beginning Cash Advance balance 
each  day,  add  any  new  Advance  or  Advance  debit  transaction  and 
subtract credits and payments as described in this Agreement as well 
as Late Charges and Interest Charges that remain unpaid. The result is 

the daily balance of Advances for that day. We add together all the daily 
balances of Advances for each day in the billing cycle and divide the 
total by the number of days in the billing cycle. This result is the Average 
Daily Balance of Cash Advances. This determines your total Interest for 
the billing cycle. The actual period Interest Charges will be shown on 
your Statement. You will be charged Interest Charges only to the date 
you repay your entire Account balance. Making larger than Minimum 
Monthly Payments may reduce the total amount of Interest Charges that 
you will pay. While partial payments of your balance will not advance 
your  next  payment  due  date(s),  any  payment  that  accelerates  the 
payment of your unpaid balance will decrease your monthly periodic 
Interest  Charge  and  any  payment  that  delays  the  payment  of  your 
unpaid  balance  will  increase  your  monthly  periodic  Interest  Charge.

ANNUAL PERCENTAGE RATE: The VISA Platinum Annual Percentage 
Rate  for  Purchases  and  Advances  is  10.9%  with  a  corresponding 
Monthly Periodic Rate of .908%. The VISA Classic Annual Percentage 
Rate  for  Purchases  and  Advances  is  16.5%  with  a  corresponding 
Monthly  Periodic  Rate  of  1.375%  to  the  portion  of  the  Average  Daily 
Balance of Purchases or Advances that is less than or equal to $2500 
and 10.9% with a corresponding Monthly Periodic Rate of .908% to the 
portion  of  the  Average  Daily  Balance  of  Purchases  or  Advances  that 
is greater than $2500 during the billing cycle covered by the periodic 
Statement. We have provided you with a separate written record stating 
the Annual Percentage Rate for Purchases and Cash advances on your 
Account and that record is made part of this Agreement by this reference. 

MONTHLY PERIODIC RATE: The Monthly Periodic Rate is determined 
by dividing the Annual Percentage Rate by twelve (12 months in a year).

GRACE  PERIOD:  To  avoid  incurring  additional  Interest  Charges  on 
the new balance for Purchases reflected on your monthly statement, 
you must pay the new balance shown on your monthly statement on or 
before the Payment Due Date. Your due date is at least 25 days after the 
close of each billing cycle. We will not charge you interest on Purchases 
if your new balance is paid in full by your Payment Due Date and your 
previous balance was paid to zero by the previous Statement Payment 
Due  Date  or  if  your  previous  Statement  reflected  a  credit  balance. 
We will begin charging interest on Advances on the transaction date. 

LATE CHARGE: If your Minimum Monthly Payment is not received by 
us within 14 days of the Payment Due Date, a Late Charge of $10 is 
imposed. 

STATEMENT  FEE:  If  you  request  a  copy  of  any  Statement  we  may 
impose a fee in the amount of $3.00 per Statement.

in question.

TRANSACTION DOCUMENT FEE: If you request a copy of any sales 
draft, credit voucher or similar document, a fee in the amount of $15 
per document may be imposed by us. This fee will not be imposed, 
however, if it was requested in connection with a Billing Error.

RUSHED CARD FEE: If you request your Card order to be rushed, we 
may impose a fee in the amount of $20.

STOP PAYMENT FEE: If you request a stop payment on an Account 
Check we may impose a fee in the amount of $10 whether or not the 
Account Check is successfully stopped.

REMOVE STOP PAYMENT FEE: If you request that we remove a stop 
payment on an Account Check we may impose a fee in the amount of 
$10 whether or not the Account Check is successfully paid. 

RETURNED  CHECK  FEE:  If  we  decline  to  honor  an  Account 
Convenience  Check  you  may  be  charged  a  fee  in  the  amount  $25, 
with a maximum of three (3) charges per day. We may decline to honor 

Account Convenience Checks if, for example, the amount of the Account 

Account.  A  merchant  or  financial  institution  may  in  the  course  of 

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

Convenience  Check  would  cause  you  to  exceed  your  Credit  Limit,  if 

accepting  the  Card  ask  you  to  surrender  a  Card  and  you  agree  to 

You understand that we will disclose data to third parties about you and 

error or explain to you why we believe the bill is correct.

you are in default, if you did not comply with the instructions included 

do  so.  Cancellation  or  revocation  of  your  Card  will  not  relieve  your 

your Account when it is necessary to complete the transaction; in order to 

with the Account Convenience Check, the Account Convenience Check 

obligation to pay any amounts that may be due under this Agreement.

verify the existence and condition of your account for a third party, such 

appears  altered  or  is  missing  information,  the  Account  Convenience 

Check was used by someone other than the person to whom we sent 

the Account Convenience Check, the Card has expired or was revoked, 

or the Account is closed or suspended. 

RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  your 

Account is returned to us unpaid for any reason, you may be charged 

a fee in the amount of $25. This fee will also apply to any automatic 

payments.

FOREIGN PAYMENT COLLECTION FEE: If you sent us a payment for 

your Account that is in other than U.S. Dollars and we attempt to collect 

the funds, you may be charged a fee in the amount of $30. This fee will 

be charged whether or not the funds were collected. 

ACCOUNT  RESEARCH  or  RECONCILIATION  FEE:  If  you  request 

us  to  reconcile  your  Account  or  search  for  a  specific  transaction 

posting,  we  may  impose  a  fee  in  the  amount  of  $30  whether  or  not 

the transaction was located. The minimum fee is $7.50 and charged in 

increments of 15 minutes. 

CREDIT INFORMATION: You agree that all statements made in your 

application for your Account were made for the purpose of obtaining 

credit and are true, correct and complete to the best of your knowledge 

and  belief.  You  agree  to  update  the  credit  information  you  have 

provided  us  at  our  request  or  if  there  has  been  a  significant  change 

in  your  financial  condition.  You  agree  that  we  may  investigate  your 

creditworthiness  at  any  time.  You  authorize  us  to  obtain  information 

from  others,  including,  but  not  limited  to  credit  reporting  agencies, 

MEMBERSHIP  REQUIREMENT:  You  must  be  a  Member  in  good 

standing with us to be eligible for an Account with us. We may suspend 

Card privileges, including closing the Account, if you do not maintain 

your Membership with us.

WAIVER OF RIGHTS: We may waive, decline or delay enforcing any of 

our rights under this Agreement or the law any number of times without 

losing our right to enforce them at a later date and without affecting any 

of our other rights.

SEVERABILITY:  Should  any  provisions  of 

this  Agreement  be 

determined to be invalid or unenforceable, that determination shall not 

affect the validity or enforceability of any other provision and the remaining 

provisions of this Agreement shall remain in full force and effective.

TELEPHONE MONITORING: You consent and authorize us to listen to 

and/or record telephone calls between you and us as well as any of our 

service partners that you may call or that may call you for the purpose 

of monitoring the quality of service you receive.

PERSONAL  IDENTIFICATION  NUMBER:  A  Personal  Identification 

Number (PIN) will be issued for new Accounts. Once the PIN mailer is 

received by you, you may change and personalize the PIN by following 

the instructions in the PIN mailer. Your PIN may be used by you with 

your  CARD  to  obtain  an  Advance  against  your  Credit  Limit  at  any 

Automated Teller Machine (ATM) displaying the VISA logo or to make 

Purchases at designated point of sale (POS) machines. Please keep 

your PIN confidential and do not write it on or keep it with your Card. 

as a credit bureau or merchant; in order to comply with a law, government 

agency, court orders, or other legal process; in order to provide awards 

and services provided by, or in conjunction with, VISA and its respective 

contractors;  or  if  you  give  us  your  prior  oral  or  written  permission.

While we investigate whether or not there has been an error:

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

not continue to charge you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

BENEFITS, FEATURES, ENHANCEMENTS OR SERVICES: We may 

responsible for the remainder of your balance.

provide  or  offer  benefits,  features,  services  or  enhancements to  your 

•  We can apply any unpaid amount against your credit limit.

Account.  Some  may  be  at  no  cost  to  you  and  others  may  involve  a 

specified  cost.  You  understand  that  we  are  not  obligated  to  provide 

or  offer  such  benefits,  features,  services  or  enhancements  and  may 

withdraw or change them at any time.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the 

CHANGE OF TERMS: This Agreement is the contract which applies to 

amount in question, along with applicable interest and fees. We will 

all transactions on the Account, even though the Purchase, Advance, 

send you a statement of the amount you owe and the date payment 

credit  receipts  or  other  documents  you  sign,  agree  to,  or  receive, 

is due. We may then report you as delinquent if you do not pay the 

may  contain  different  terms.  We  may  amend  this  Agreement  at  any 

amount we think you owe.

time.  We  may  amend  it  by  modifying,  adding,  deleting  or  changing 

any  provision,  term,  condition,  service,  or  feature  at  anytime.  When 

we amend this Agreement, we will comply with the applicable notice 

requirements  mandated  by  the  laws  that  are  in  effect  at  that  time. 

Unless  we  state  otherwise  or  as  prohibited  by  law,  the  amended 

Agreement will apply to the total unpaid outstanding balance including 

the balance existing before the amendment became effective and any 

If you receive our explanation but still believe your bill is wrong, you 

must write to us within 10 days telling us that you still refuse to pay. If 

you do so, we cannot report you as delinquent without also reporting 

that you are questioning your bill. We must tell you the name of anyone 

to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 

organizations know when the matter has been settled between us.

subsequent transactions. If an Amendment gives you the opportunity 

If we do not follow all of the rules above, you do not have to pay the first 

to  opt  out  of  the  change  and  if  you  opt  out  in  the  manner  provided 

$50 of the amount you question even if your bill is correct.

in  such  Amendment,  we  may  terminate  your  ability  to  use  additional 

credit and we may ask you to return your Card as a condition of your 

rejection.  We  may  replace  your  Card  with  another  Card  at  any  time. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 

purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to 

correct the problem with the merchant, you may have the right not to 

concerning you and your credit accounts. You authorize us to disclose 

LOST, THEFT OR UNAUTHORIZED USE: If you notice the loss or theft of 

information  regarding  your  Account  to  credit  reporting  agencies 

your credit card or a possible unauthorized use of your card, you should 

and  other  creditors.  However,  we  are  not  obligated  to  release  any 

call us at 866 CU SoCal (866.287.6225) during business hours or 800 556 

This  notice  tells  you  about  your  rights  and  our  responsibilities 

pay the remaining amount due on the purchase.

information  to  anyone  unless  we  are  required  by  law  to  do  so.  You 

LOST (800.556.5678) when we are closed. If you are unable to access 

under the Fair Credit Billing Act.

agree  that  we  have  the  right  to  terminate  future  Purchases  and 

the national toll-free telephone numbers, please call us at 562.698.8326. 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you 

notify us. You may, however, be liable for unauthorized use that occurs 

before your notice to us. In most cases, you will not be liable for any 

  Credit Union of Southern California

unauthorized  transactions  unless  it  is  determined  you  were  grossly 

  P.O. Box 200

negligent or fraudulent in the handling of the card.

  Whittier, CA 90608-0200

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

In the event your card is used fraudulently, you agree to assist us in 

In your letter, give us the following information:

our investigation and you agree to sign an affidavit of fraud and forgery 

•  Account information: Your name and account number.

asserting the fraud claim.

•  Dollar amount: The dollar amount of the suspected error.

•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 

GOVERNING  LAW:  This  Agreement  is  made  in  California  and  we 

extend credit to you from California. This Agreement shall be governed 

by the laws of the State of California (without regard to its conflict of law 

mistake.

principles) and by any applicable federal law regardless of where you 

You must contact us:

live or where you use the Card. Also, California’s choice of law rules shall 

•  Within 60 days after the error appeared on your statement.

not be applied if that would result in the application of non-California law.

•  At least 3 business days before an automated payment is scheduled, 

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 

100 miles of your current mailing address, and the purchase price 

must have been more than $50. 

(Note: Neither of these are necessary if your purchase was based on 

an advertisement we mailed to you, or if we own the company that 

sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases 

made  with  cash  advances  from  an  ATM  or  with  a  check  that 

accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

purchase, contact us in writing at:

Credit Union of Southern California

PO Box 200

Whittier, CA 90608-0200

describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 

If all of the criteria above are met and you are still dissatisfied with the 

MERCHANT  DISPUTES:  You  understand  that  you  may  not  place, 

While we investigate, the same rules apply to the disputed amount as 

nor  will  we  accept,  a  stop  payment  on  any  transaction  effected  with 

You must notify us of any potential errors in writing. You may call us, but 

discussed above. After we finish our investigation, we will tell you our 

your Card except as described in this Agreement. You understand that 

if you do we are not required to investigate any potential errors and you 

decision. At that point, if we think you owe an amount and you do not 

closing your Account or canceling your Card does not relieve you of 

may have to pay the amount in question.

pay, we may report you as delinquent.

if you want to stop payment on the amount you think is wrong.

Advances against your Credit Limit or reduce your Credit Limit at our 

discretion if your creditworthiness is significantly impaired, changed or 

different than at the time the Account was opened. If you question the 

accuracy of our reported information to a credit reporting agency, write 

us at the address listed on your periodic Statement with a description 

of your dispute. If available, please provide a copy of the credit report 

PERSONAL INFORMATION: You agree to promptly notify us of any 

change  in  your  name,  address,  employment,  telephone  numbers  or 

other  contact  information.  The  post  office  and  others  may  notify  us 

of  a  change  of  address.  We  will  notify  you  of  an  address  change 

at  your  previous  address  on  file  when  we  change  your  address. 

CANCELLATION AND REVOCATION: You may cancel your Card at 

any time by notifying us and destroying the Card and Account Checks. 

Cancellation  of  your  Card  will  result  in  declined  Authorizations  when 

we  are  contacted  for  approvals.  We  have  the  right  to  revoke  your 

use  of  the  Card  at  any  time.  We  can  do  this  with  or  without  cause 

and  with  or  without  giving  you  notice.  Revocation  of  your  Card  will 

result in declined Authorizations when we are contacted for approvals. 

We  may  list  revoked  and  cancelled  cards  in  a  capture  bulletin  and/

or  otherwise  inform  those  requesting  Authorization  approvals  that 

your  Card  is  cancelled.  The  Card  and  Account  Checks  remain  our 

property  and  you  must  recover  and  surrender  or  destroy  all  Cards 

and  Account  Checks  as  requested  or  upon  termination  of  this 

the liability for transactions you or your authorized user(s) participated 

in or previously authorized.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received 

your letter. We will also tell you if we have already corrected the error.

G-12447 | October 2017

866.287.6225  |  CUSoCal.org

VISA® PLATINUM   |   VISA® CLASSIC

CREDIT CARD

AGREEMENT & DISCLOSURE

 
the daily balance of Advances for that day. We add together all the daily 

balances of Advances for each day in the billing cycle and divide the 

total by the number of days in the billing cycle. This result is the Average 

Daily Balance of Cash Advances. This determines your total Interest for 

the billing cycle. The actual period Interest Charges will be shown on 

your Statement. You will be charged Interest Charges only to the date 

you repay your entire Account balance. Making larger than Minimum 

Monthly Payments may reduce the total amount of Interest Charges that 

you will pay. While partial payments of your balance will not advance 

your  next  payment  due  date(s),  any  payment  that  accelerates  the 

payment of your unpaid balance will decrease your monthly periodic 

Interest  Charge  and  any  payment  that  delays  the  payment  of  your 

unpaid  balance  will  increase  your  monthly  periodic  Interest  Charge.

ANNUAL PERCENTAGE RATE: The VISA Platinum Annual Percentage 

Rate  for  Purchases  and  Advances  is  10.9%  with  a  corresponding 

Monthly Periodic Rate of .908%. The VISA Classic Annual Percentage 

Rate  for  Purchases  and  Advances  is  16.5%  with  a  corresponding 

Monthly  Periodic  Rate  of  1.375%  to  the  portion  of  the  Average  Daily 

Balance of Purchases or Advances that is less than or equal to $2500 

and 10.9% with a corresponding Monthly Periodic Rate of .908% to the 

portion  of  the  Average  Daily  Balance  of  Purchases  or  Advances  that 

is greater than $2500 during the billing cycle covered by the periodic 

Statement. We have provided you with a separate written record stating 

the Annual Percentage Rate for Purchases and Cash advances on your 

Account and that record is made part of this Agreement by this reference. 

MONTHLY PERIODIC RATE: The Monthly Periodic Rate is determined 

by dividing the Annual Percentage Rate by twelve (12 months in a year).

GRACE  PERIOD:  To  avoid  incurring  additional  Interest  Charges  on 

the new balance for Purchases reflected on your monthly statement, 

you must pay the new balance shown on your monthly statement on or 

before the Payment Due Date. Your due date is at least 25 days after the 

close of each billing cycle. We will not charge you interest on Purchases 

if your new balance is paid in full by your Payment Due Date and your 

previous balance was paid to zero by the previous Statement Payment 

Due  Date  or  if  your  previous  Statement  reflected  a  credit  balance. 

We will begin charging interest on Advances on the transaction date. 

LATE CHARGE: If your Minimum Monthly Payment is not received by 

us within 14 days of the Payment Due Date, a Late Charge of $10 is 

imposed. 

STATEMENT  FEE:  If  you  request  a  copy  of  any  Statement  we  may 

impose a fee in the amount of $3.00 per Statement.

TRANSACTION DOCUMENT FEE: If you request a copy of any sales 

draft, credit voucher or similar document, a fee in the amount of $15 

per document may be imposed by us. This fee will not be imposed, 

however, if it was requested in connection with a Billing Error.

RUSHED CARD FEE: If you request your Card order to be rushed, we 

may impose a fee in the amount of $20.

STOP PAYMENT FEE: If you request a stop payment on an Account 

Check we may impose a fee in the amount of $10 whether or not the 

Account Check is successfully stopped.

REMOVE STOP PAYMENT FEE: If you request that we remove a stop 

payment on an Account Check we may impose a fee in the amount of 

$10 whether or not the Account Check is successfully paid. 

RETURNED  CHECK  FEE:  If  we  decline  to  honor  an  Account 

Convenience  Check  you  may  be  charged  a  fee  in  the  amount  $25, 

with a maximum of three (3) charges per day. We may decline to honor 

Account Convenience Checks if, for example, the amount of the Account 
Convenience  Check  would  cause  you  to  exceed  your  Credit  Limit,  if 
you are in default, if you did not comply with the instructions included 
with the Account Convenience Check, the Account Convenience Check 
appears  altered  or  is  missing  information,  the  Account  Convenience 
Check was used by someone other than the person to whom we sent 
the Account Convenience Check, the Card has expired or was revoked, 
or the Account is closed or suspended. 

RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  your 
Account is returned to us unpaid for any reason, you may be charged 
a fee in the amount of $25. This fee will also apply to any automatic 
payments.

FOREIGN PAYMENT COLLECTION FEE: If you sent us a payment for 
your Account that is in other than U.S. Dollars and we attempt to collect 
the funds, you may be charged a fee in the amount of $30. This fee will 
be charged whether or not the funds were collected. 

ACCOUNT  RESEARCH  or  RECONCILIATION  FEE:  If  you  request 
us  to  reconcile  your  Account  or  search  for  a  specific  transaction 
posting,  we  may  impose  a  fee  in  the  amount  of  $30  whether  or  not 
the transaction was located. The minimum fee is $7.50 and charged in 
increments of 15 minutes. 

CREDIT INFORMATION: You agree that all statements made in your 
application for your Account were made for the purpose of obtaining 
credit and are true, correct and complete to the best of your knowledge 
and  belief.  You  agree  to  update  the  credit  information  you  have 
provided  us  at  our  request  or  if  there  has  been  a  significant  change 
in  your  financial  condition.  You  agree  that  we  may  investigate  your 
creditworthiness  at  any  time.  You  authorize  us  to  obtain  information 
from  others,  including,  but  not  limited  to  credit  reporting  agencies, 
concerning you and your credit accounts. You authorize us to disclose 
information  regarding  your  Account  to  credit  reporting  agencies 
and  other  creditors.  However,  we  are  not  obligated  to  release  any 
information  to  anyone  unless  we  are  required  by  law  to  do  so.  You 
agree  that  we  have  the  right  to  terminate  future  Purchases  and 
Advances against your Credit Limit or reduce your Credit Limit at our 
discretion if your creditworthiness is significantly impaired, changed or 
different than at the time the Account was opened. If you question the 
accuracy of our reported information to a credit reporting agency, write 
us at the address listed on your periodic Statement with a description 
of your dispute. If available, please provide a copy of the credit report 
in question.

PERSONAL INFORMATION: You agree to promptly notify us of any 
change  in  your  name,  address,  employment,  telephone  numbers  or 
other  contact  information.  The  post  office  and  others  may  notify  us 
of  a  change  of  address.  We  will  notify  you  of  an  address  change 
at  your  previous  address  on  file  when  we  change  your  address. 

CANCELLATION AND REVOCATION: You may cancel your Card at 
any time by notifying us and destroying the Card and Account Checks. 
Cancellation  of  your  Card  will  result  in  declined  Authorizations  when 
we  are  contacted  for  approvals.  We  have  the  right  to  revoke  your 
use  of  the  Card  at  any  time.  We  can  do  this  with  or  without  cause 
and  with  or  without  giving  you  notice.  Revocation  of  your  Card  will 
result in declined Authorizations when we are contacted for approvals. 
We  may  list  revoked  and  cancelled  cards  in  a  capture  bulletin  and/
or  otherwise  inform  those  requesting  Authorization  approvals  that 
your  Card  is  cancelled.  The  Card  and  Account  Checks  remain  our 
property  and  you  must  recover  and  surrender  or  destroy  all  Cards 
and  Account  Checks  as  requested  or  upon  termination  of  this 

Account.  A  merchant  or  financial  institution  may  in  the  course  of 

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

accepting  the  Card  ask  you  to  surrender  a  Card  and  you  agree  to 

You understand that we will disclose data to third parties about you and 

error or explain to you why we believe the bill is correct.

do  so.  Cancellation  or  revocation  of  your  Card  will  not  relieve  your 

your Account when it is necessary to complete the transaction; in order to 

obligation to pay any amounts that may be due under this Agreement.

verify the existence and condition of your account for a third party, such 

MEMBERSHIP  REQUIREMENT:  You  must  be  a  Member  in  good 

standing with us to be eligible for an Account with us. We may suspend 

Card privileges, including closing the Account, if you do not maintain 

your Membership with us.

WAIVER OF RIGHTS: We may waive, decline or delay enforcing any of 

our rights under this Agreement or the law any number of times without 

losing our right to enforce them at a later date and without affecting any 

of our other rights.

SEVERABILITY:  Should  any  provisions  of 

this  Agreement  be 

determined to be invalid or unenforceable, that determination shall not 

affect the validity or enforceability of any other provision and the remaining 

provisions of this Agreement shall remain in full force and effective.

TELEPHONE MONITORING: You consent and authorize us to listen to 

and/or record telephone calls between you and us as well as any of our 

service partners that you may call or that may call you for the purpose 

of monitoring the quality of service you receive.

PERSONAL  IDENTIFICATION  NUMBER:  A  Personal  Identification 

Number (PIN) will be issued for new Accounts. Once the PIN mailer is 

received by you, you may change and personalize the PIN by following 

the instructions in the PIN mailer. Your PIN may be used by you with 

your  CARD  to  obtain  an  Advance  against  your  Credit  Limit  at  any 

Automated Teller Machine (ATM) displaying the VISA logo or to make 

Purchases at designated point of sale (POS) machines. Please keep 

your PIN confidential and do not write it on or keep it with your Card. 

LOST, THEFT OR UNAUTHORIZED USE: If you notice the loss or theft of 

your credit card or a possible unauthorized use of your card, you should 

call us at 866 CU SoCal (866.287.6225) during business hours or 800 556 

LOST (800.556.5678) when we are closed. If you are unable to access 

the national toll-free telephone numbers, please call us at 562.698.8326. 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you 

notify us. You may, however, be liable for unauthorized use that occurs 

as a credit bureau or merchant; in order to comply with a law, government 

agency, court orders, or other legal process; in order to provide awards 

and services provided by, or in conjunction with, VISA and its respective 

contractors;  or  if  you  give  us  your  prior  oral  or  written  permission.

While we investigate whether or not there has been an error:

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

not continue to charge you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

BENEFITS, FEATURES, ENHANCEMENTS OR SERVICES: We may 

responsible for the remainder of your balance.

provide  or  offer  benefits,  features,  services  or  enhancements to  your 

•  We can apply any unpaid amount against your credit limit.

Account.  Some  may  be  at  no  cost  to  you  and  others  may  involve  a 

specified  cost.  You  understand  that  we  are  not  obligated  to  provide 

or  offer  such  benefits,  features,  services  or  enhancements  and  may 

withdraw or change them at any time.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the 

CHANGE OF TERMS: This Agreement is the contract which applies to 

amount in question, along with applicable interest and fees. We will 

all transactions on the Account, even though the Purchase, Advance, 

send you a statement of the amount you owe and the date payment 

credit  receipts  or  other  documents  you  sign,  agree  to,  or  receive, 

is due. We may then report you as delinquent if you do not pay the 

may  contain  different  terms.  We  may  amend  this  Agreement  at  any 

amount we think you owe.

time.  We  may  amend  it  by  modifying,  adding,  deleting  or  changing 

any  provision,  term,  condition,  service,  or  feature  at  anytime.  When 

we amend this Agreement, we will comply with the applicable notice 

requirements  mandated  by  the  laws  that  are  in  effect  at  that  time. 

Unless  we  state  otherwise  or  as  prohibited  by  law,  the  amended 

Agreement will apply to the total unpaid outstanding balance including 

the balance existing before the amendment became effective and any 

If you receive our explanation but still believe your bill is wrong, you 

must write to us within 10 days telling us that you still refuse to pay. If 

you do so, we cannot report you as delinquent without also reporting 

that you are questioning your bill. We must tell you the name of anyone 

to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 

organizations know when the matter has been settled between us.

subsequent transactions. If an Amendment gives you the opportunity 

If we do not follow all of the rules above, you do not have to pay the first 

to  opt  out  of  the  change  and  if  you  opt  out  in  the  manner  provided 

$50 of the amount you question even if your bill is correct.

in  such  Amendment,  we  may  terminate  your  ability  to  use  additional 

credit and we may ask you to return your Card as a condition of your 

rejection.  We  may  replace  your  Card  with  another  Card  at  any  time. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 

purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to 

correct the problem with the merchant, you may have the right not to 

This  notice  tells  you  about  your  rights  and  our  responsibilities 

pay the remaining amount due on the purchase.

under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

before your notice to us. In most cases, you will not be liable for any 

  Credit Union of Southern California

unauthorized  transactions  unless  it  is  determined  you  were  grossly 

  P.O. Box 200

negligent or fraudulent in the handling of the card.

  Whittier, CA 90608-0200

In the event your card is used fraudulently, you agree to assist us in 

In your letter, give us the following information:

our investigation and you agree to sign an affidavit of fraud and forgery 

•  Account information: Your name and account number.

asserting the fraud claim.

•  Dollar amount: The dollar amount of the suspected error.

•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 

GOVERNING  LAW:  This  Agreement  is  made  in  California  and  we 

extend credit to you from California. This Agreement shall be governed 

by the laws of the State of California (without regard to its conflict of law 

mistake.

principles) and by any applicable federal law regardless of where you 

You must contact us:

live or where you use the Card. Also, California’s choice of law rules shall 

•  Within 60 days after the error appeared on your statement.

not be applied if that would result in the application of non-California law.

•  At least 3 business days before an automated payment is scheduled, 

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 

100 miles of your current mailing address, and the purchase price 

must have been more than $50. 

(Note: Neither of these are necessary if your purchase was based on 

an advertisement we mailed to you, or if we own the company that 

sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases 

made  with  cash  advances  from  an  ATM  or  with  a  check  that 

accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

purchase, contact us in writing at:

Credit Union of Southern California

PO Box 200

Whittier, CA 90608-0200

describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 

If all of the criteria above are met and you are still dissatisfied with the 

MERCHANT  DISPUTES:  You  understand  that  you  may  not  place, 

While we investigate, the same rules apply to the disputed amount as 

nor  will  we  accept,  a  stop  payment  on  any  transaction  effected  with 

You must notify us of any potential errors in writing. You may call us, but 

discussed above. After we finish our investigation, we will tell you our 

your Card except as described in this Agreement. You understand that 

if you do we are not required to investigate any potential errors and you 

decision. At that point, if we think you owe an amount and you do not 

closing your Account or canceling your Card does not relieve you of 

may have to pay the amount in question.

pay, we may report you as delinquent.

if you want to stop payment on the amount you think is wrong.

the liability for transactions you or your authorized user(s) participated 

in or previously authorized.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received 

your letter. We will also tell you if we have already corrected the error.

G-12447 | October 2017

866.287.6225  |  CUSoCal.org

VISA® PLATINUM   |   VISA® CLASSIC

CREDIT CARD

AGREEMENT & DISCLOSURE

 
the daily balance of Advances for that day. We add together all the daily 

Account Convenience Checks if, for example, the amount of the Account 

balances of Advances for each day in the billing cycle and divide the 

Convenience  Check  would  cause  you  to  exceed  your  Credit  Limit,  if 

total by the number of days in the billing cycle. This result is the Average 

you are in default, if you did not comply with the instructions included 

Daily Balance of Cash Advances. This determines your total Interest for 

with the Account Convenience Check, the Account Convenience Check 

the billing cycle. The actual period Interest Charges will be shown on 

appears  altered  or  is  missing  information,  the  Account  Convenience 

your Statement. You will be charged Interest Charges only to the date 

Check was used by someone other than the person to whom we sent 

you repay your entire Account balance. Making larger than Minimum 

the Account Convenience Check, the Card has expired or was revoked, 

Monthly Payments may reduce the total amount of Interest Charges that 

or the Account is closed or suspended. 

you will pay. While partial payments of your balance will not advance 

your  next  payment  due  date(s),  any  payment  that  accelerates  the 

payment of your unpaid balance will decrease your monthly periodic 

Interest  Charge  and  any  payment  that  delays  the  payment  of  your 

unpaid  balance  will  increase  your  monthly  periodic  Interest  Charge.

ANNUAL PERCENTAGE RATE: The VISA Platinum Annual Percentage 

Rate  for  Purchases  and  Advances  is  10.9%  with  a  corresponding 

Monthly Periodic Rate of .908%. The VISA Classic Annual Percentage 

Rate  for  Purchases  and  Advances  is  16.5%  with  a  corresponding 

Monthly  Periodic  Rate  of  1.375%  to  the  portion  of  the  Average  Daily 

Balance of Purchases or Advances that is less than or equal to $2500 

and 10.9% with a corresponding Monthly Periodic Rate of .908% to the 

portion  of  the  Average  Daily  Balance  of  Purchases  or  Advances  that 

is greater than $2500 during the billing cycle covered by the periodic 

Statement. We have provided you with a separate written record stating 

the Annual Percentage Rate for Purchases and Cash advances on your 

Account and that record is made part of this Agreement by this reference. 

MONTHLY PERIODIC RATE: The Monthly Periodic Rate is determined 

by dividing the Annual Percentage Rate by twelve (12 months in a year).

GRACE  PERIOD:  To  avoid  incurring  additional  Interest  Charges  on 

the new balance for Purchases reflected on your monthly statement, 

you must pay the new balance shown on your monthly statement on or 

before the Payment Due Date. Your due date is at least 25 days after the 

close of each billing cycle. We will not charge you interest on Purchases 

if your new balance is paid in full by your Payment Due Date and your 

previous balance was paid to zero by the previous Statement Payment 

Due  Date  or  if  your  previous  Statement  reflected  a  credit  balance. 

We will begin charging interest on Advances on the transaction date. 

RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  your 

Account is returned to us unpaid for any reason, you may be charged 

a fee in the amount of $25. This fee will also apply to any automatic 

payments.

FOREIGN PAYMENT COLLECTION FEE: If you sent us a payment for 

your Account that is in other than U.S. Dollars and we attempt to collect 

the funds, you may be charged a fee in the amount of $30. This fee will 

be charged whether or not the funds were collected. 

ACCOUNT  RESEARCH  or  RECONCILIATION  FEE:  If  you  request 

us  to  reconcile  your  Account  or  search  for  a  specific  transaction 

posting,  we  may  impose  a  fee  in  the  amount  of  $30  whether  or  not 

the transaction was located. The minimum fee is $7.50 and charged in 

increments of 15 minutes. 

CREDIT INFORMATION: You agree that all statements made in your 

application for your Account were made for the purpose of obtaining 

credit and are true, correct and complete to the best of your knowledge 

and  belief.  You  agree  to  update  the  credit  information  you  have 

provided  us  at  our  request  or  if  there  has  been  a  significant  change 

in  your  financial  condition.  You  agree  that  we  may  investigate  your 

creditworthiness  at  any  time.  You  authorize  us  to  obtain  information 

from  others,  including,  but  not  limited  to  credit  reporting  agencies, 

concerning you and your credit accounts. You authorize us to disclose 

information  regarding  your  Account  to  credit  reporting  agencies 

and  other  creditors.  However,  we  are  not  obligated  to  release  any 

information  to  anyone  unless  we  are  required  by  law  to  do  so.  You 

agree  that  we  have  the  right  to  terminate  future  Purchases  and 

Advances against your Credit Limit or reduce your Credit Limit at our 

discretion if your creditworthiness is significantly impaired, changed or 

us at the address listed on your periodic Statement with a description 

of your dispute. If available, please provide a copy of the credit report 

PERSONAL INFORMATION: You agree to promptly notify us of any 

change  in  your  name,  address,  employment,  telephone  numbers  or 

other  contact  information.  The  post  office  and  others  may  notify  us 

of  a  change  of  address.  We  will  notify  you  of  an  address  change 

at  your  previous  address  on  file  when  we  change  your  address. 

CANCELLATION AND REVOCATION: You may cancel your Card at 

any time by notifying us and destroying the Card and Account Checks. 

LATE CHARGE: If your Minimum Monthly Payment is not received by 

different than at the time the Account was opened. If you question the 

us within 14 days of the Payment Due Date, a Late Charge of $10 is 

accuracy of our reported information to a credit reporting agency, write 

imposed. 

STATEMENT  FEE:  If  you  request  a  copy  of  any  Statement  we  may 

impose a fee in the amount of $3.00 per Statement.

in question.

TRANSACTION DOCUMENT FEE: If you request a copy of any sales 

draft, credit voucher or similar document, a fee in the amount of $15 

per document may be imposed by us. This fee will not be imposed, 

however, if it was requested in connection with a Billing Error.

RUSHED CARD FEE: If you request your Card order to be rushed, we 

may impose a fee in the amount of $20.

STOP PAYMENT FEE: If you request a stop payment on an Account 

Cancellation  of  your  Card  will  result  in  declined  Authorizations  when 

Check we may impose a fee in the amount of $10 whether or not the 

we  are  contacted  for  approvals.  We  have  the  right  to  revoke  your 

Account Check is successfully stopped.

REMOVE STOP PAYMENT FEE: If you request that we remove a stop 

payment on an Account Check we may impose a fee in the amount of 

$10 whether or not the Account Check is successfully paid. 

RETURNED  CHECK  FEE:  If  we  decline  to  honor  an  Account 

Convenience  Check  you  may  be  charged  a  fee  in  the  amount  $25, 

with a maximum of three (3) charges per day. We may decline to honor 

use  of  the  Card  at  any  time.  We  can  do  this  with  or  without  cause 

and  with  or  without  giving  you  notice.  Revocation  of  your  Card  will 

result in declined Authorizations when we are contacted for approvals. 

We  may  list  revoked  and  cancelled  cards  in  a  capture  bulletin  and/

or  otherwise  inform  those  requesting  Authorization  approvals  that 

your  Card  is  cancelled.  The  Card  and  Account  Checks  remain  our 

property  and  you  must  recover  and  surrender  or  destroy  all  Cards 

and  Account  Checks  as  requested  or  upon  termination  of  this 

VISA® PLATINUM   |   VISA® CLASSIC

CREDIT CARD

AGREEMENT & DISCLOSURE

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

You understand that we will disclose data to third parties about you and 

error or explain to you why we believe the bill is correct.

your Account when it is necessary to complete the transaction; in order to 

verify the existence and condition of your account for a third party, such 

as a credit bureau or merchant; in order to comply with a law, government 

agency, court orders, or other legal process; in order to provide awards 

and services provided by, or in conjunction with, VISA and its respective 

contractors;  or  if  you  give  us  your  prior  oral  or  written  permission.

While we investigate whether or not there has been an error:

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

not continue to charge you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

BENEFITS, FEATURES, ENHANCEMENTS OR SERVICES: We may 

responsible for the remainder of your balance.

provide  or  offer  benefits,  features,  services  or  enhancements to  your 

•  We can apply any unpaid amount against your credit limit.

Account.  Some  may  be  at  no  cost  to  you  and  others  may  involve  a 

specified  cost.  You  understand  that  we  are  not  obligated  to  provide 

or  offer  such  benefits,  features,  services  or  enhancements  and  may 

withdraw or change them at any time.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the 

CHANGE OF TERMS: This Agreement is the contract which applies to 

amount in question, along with applicable interest and fees. We will 

all transactions on the Account, even though the Purchase, Advance, 

send you a statement of the amount you owe and the date payment 

credit  receipts  or  other  documents  you  sign,  agree  to,  or  receive, 

is due. We may then report you as delinquent if you do not pay the 

may  contain  different  terms.  We  may  amend  this  Agreement  at  any 

amount we think you owe.

time.  We  may  amend  it  by  modifying,  adding,  deleting  or  changing 

any  provision,  term,  condition,  service,  or  feature  at  anytime.  When 

we amend this Agreement, we will comply with the applicable notice 

requirements  mandated  by  the  laws  that  are  in  effect  at  that  time. 

Unless  we  state  otherwise  or  as  prohibited  by  law,  the  amended 

Agreement will apply to the total unpaid outstanding balance including 

the balance existing before the amendment became effective and any 

If you receive our explanation but still believe your bill is wrong, you 

must write to us within 10 days telling us that you still refuse to pay. If 

you do so, we cannot report you as delinquent without also reporting 

that you are questioning your bill. We must tell you the name of anyone 

to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 

organizations know when the matter has been settled between us.

subsequent transactions. If an Amendment gives you the opportunity 

If we do not follow all of the rules above, you do not have to pay the first 

to  opt  out  of  the  change  and  if  you  opt  out  in  the  manner  provided 

$50 of the amount you question even if your bill is correct.

in  such  Amendment,  we  may  terminate  your  ability  to  use  additional 

credit and we may ask you to return your Card as a condition of your 

rejection.  We  may  replace  your  Card  with  another  Card  at  any  time. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 

purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to 

correct the problem with the merchant, you may have the right not to 

This  notice  tells  you  about  your  rights  and  our  responsibilities 

pay the remaining amount due on the purchase.

under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

  Credit Union of Southern California

  P.O. Box 200

  Whittier, CA 90608-0200

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 

100 miles of your current mailing address, and the purchase price 

must have been more than $50. 

(Note: Neither of these are necessary if your purchase was based on 

an advertisement we mailed to you, or if we own the company that 

sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases 

made  with  cash  advances  from  an  ATM  or  with  a  check  that 

accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

Account.  A  merchant  or  financial  institution  may  in  the  course  of 
accepting  the  Card  ask  you  to  surrender  a  Card  and  you  agree  to 
do  so.  Cancellation  or  revocation  of  your  Card  will  not  relieve  your 
obligation to pay any amounts that may be due under this Agreement.

MEMBERSHIP  REQUIREMENT:  You  must  be  a  Member  in  good 
standing with us to be eligible for an Account with us. We may suspend 
Card privileges, including closing the Account, if you do not maintain 
your Membership with us.

WAIVER OF RIGHTS: We may waive, decline or delay enforcing any of 
our rights under this Agreement or the law any number of times without 
losing our right to enforce them at a later date and without affecting any 
of our other rights.

this  Agreement  be 
SEVERABILITY:  Should  any  provisions  of 
determined to be invalid or unenforceable, that determination shall not 
affect the validity or enforceability of any other provision and the remaining 
provisions of this Agreement shall remain in full force and effective.

TELEPHONE MONITORING: You consent and authorize us to listen to 
and/or record telephone calls between you and us as well as any of our 
service partners that you may call or that may call you for the purpose 
of monitoring the quality of service you receive.

PERSONAL  IDENTIFICATION  NUMBER:  A  Personal  Identification 
Number (PIN) will be issued for new Accounts. Once the PIN mailer is 
received by you, you may change and personalize the PIN by following 
the instructions in the PIN mailer. Your PIN may be used by you with 
your  CARD  to  obtain  an  Advance  against  your  Credit  Limit  at  any 
Automated Teller Machine (ATM) displaying the VISA logo or to make 
Purchases at designated point of sale (POS) machines. Please keep 
your PIN confidential and do not write it on or keep it with your Card. 

LOST, THEFT OR UNAUTHORIZED USE: If you notice the loss or theft of 
your credit card or a possible unauthorized use of your card, you should 
call us at 866 CU SoCal (866.287.6225) during business hours or 800 556 
LOST (800.556.5678) when we are closed. If you are unable to access 
the national toll-free telephone numbers, please call us at 562.698.8326. 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you 
notify us. You may, however, be liable for unauthorized use that occurs 
before your notice to us. In most cases, you will not be liable for any 
unauthorized  transactions  unless  it  is  determined  you  were  grossly 
negligent or fraudulent in the handling of the card.

In the event your card is used fraudulently, you agree to assist us in 
our investigation and you agree to sign an affidavit of fraud and forgery 
asserting the fraud claim.

In your letter, give us the following information:

•  Account information: Your name and account number.

•  Dollar amount: The dollar amount of the suspected error.

GOVERNING  LAW:  This  Agreement  is  made  in  California  and  we 
extend credit to you from California. This Agreement shall be governed 
by the laws of the State of California (without regard to its conflict of law 
principles) and by any applicable federal law regardless of where you 
live or where you use the Card. Also, California’s choice of law rules shall 
not be applied if that would result in the application of non-California law.

MERCHANT  DISPUTES:  You  understand  that  you  may  not  place, 
nor  will  we  accept,  a  stop  payment  on  any  transaction  effected  with 
your Card except as described in this Agreement. You understand that 
closing your Account or canceling your Card does not relieve you of 
the liability for transactions you or your authorized user(s) participated 
in or previously authorized.

•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 

describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 

If all of the criteria above are met and you are still dissatisfied with the 

mistake.

You must contact us:

purchase, contact us in writing at:

Credit Union of Southern California

•  Within 60 days after the error appeared on your statement.

PO Box 200

•  At least 3 business days before an automated payment is scheduled, 

Whittier, CA 90608-0200

if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but 

discussed above. After we finish our investigation, we will tell you our 

if you do we are not required to investigate any potential errors and you 

decision. At that point, if we think you owe an amount and you do not 

may have to pay the amount in question.

pay, we may report you as delinquent.

While we investigate, the same rules apply to the disputed amount as 

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received 

your letter. We will also tell you if we have already corrected the error.

G-12447 | October 2017

866.287.6225  |  CUSoCal.org

 
the daily balance of Advances for that day. We add together all the daily 

Account Convenience Checks if, for example, the amount of the Account 

Account.  A  merchant  or  financial  institution  may  in  the  course  of 

balances of Advances for each day in the billing cycle and divide the 

Convenience  Check  would  cause  you  to  exceed  your  Credit  Limit,  if 

accepting  the  Card  ask  you  to  surrender  a  Card  and  you  agree  to 

total by the number of days in the billing cycle. This result is the Average 

you are in default, if you did not comply with the instructions included 

do  so.  Cancellation  or  revocation  of  your  Card  will  not  relieve  your 

Daily Balance of Cash Advances. This determines your total Interest for 

with the Account Convenience Check, the Account Convenience Check 

obligation to pay any amounts that may be due under this Agreement.

the billing cycle. The actual period Interest Charges will be shown on 

appears  altered  or  is  missing  information,  the  Account  Convenience 

your Statement. You will be charged Interest Charges only to the date 

Check was used by someone other than the person to whom we sent 

you repay your entire Account balance. Making larger than Minimum 

the Account Convenience Check, the Card has expired or was revoked, 

Monthly Payments may reduce the total amount of Interest Charges that 

or the Account is closed or suspended. 

you will pay. While partial payments of your balance will not advance 

your  next  payment  due  date(s),  any  payment  that  accelerates  the 

payment of your unpaid balance will decrease your monthly periodic 

Interest  Charge  and  any  payment  that  delays  the  payment  of  your 

unpaid  balance  will  increase  your  monthly  periodic  Interest  Charge.

ANNUAL PERCENTAGE RATE: The VISA Platinum Annual Percentage 

Rate  for  Purchases  and  Advances  is  10.9%  with  a  corresponding 

Monthly Periodic Rate of .908%. The VISA Classic Annual Percentage 

Rate  for  Purchases  and  Advances  is  16.5%  with  a  corresponding 

Monthly  Periodic  Rate  of  1.375%  to  the  portion  of  the  Average  Daily 

Balance of Purchases or Advances that is less than or equal to $2500 

and 10.9% with a corresponding Monthly Periodic Rate of .908% to the 

portion  of  the  Average  Daily  Balance  of  Purchases  or  Advances  that 

is greater than $2500 during the billing cycle covered by the periodic 

Statement. We have provided you with a separate written record stating 

the Annual Percentage Rate for Purchases and Cash advances on your 

Account and that record is made part of this Agreement by this reference. 

MONTHLY PERIODIC RATE: The Monthly Periodic Rate is determined 

by dividing the Annual Percentage Rate by twelve (12 months in a year).

GRACE  PERIOD:  To  avoid  incurring  additional  Interest  Charges  on 

the new balance for Purchases reflected on your monthly statement, 

you must pay the new balance shown on your monthly statement on or 

before the Payment Due Date. Your due date is at least 25 days after the 

close of each billing cycle. We will not charge you interest on Purchases 

if your new balance is paid in full by your Payment Due Date and your 

previous balance was paid to zero by the previous Statement Payment 

Due  Date  or  if  your  previous  Statement  reflected  a  credit  balance. 

We will begin charging interest on Advances on the transaction date. 

RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  your 

Account is returned to us unpaid for any reason, you may be charged 

a fee in the amount of $25. This fee will also apply to any automatic 

payments.

FOREIGN PAYMENT COLLECTION FEE: If you sent us a payment for 

your Account that is in other than U.S. Dollars and we attempt to collect 

the funds, you may be charged a fee in the amount of $30. This fee will 

be charged whether or not the funds were collected. 

ACCOUNT  RESEARCH  or  RECONCILIATION  FEE:  If  you  request 

us  to  reconcile  your  Account  or  search  for  a  specific  transaction 

posting,  we  may  impose  a  fee  in  the  amount  of  $30  whether  or  not 

the transaction was located. The minimum fee is $7.50 and charged in 

increments of 15 minutes. 

CREDIT INFORMATION: You agree that all statements made in your 

application for your Account were made for the purpose of obtaining 

credit and are true, correct and complete to the best of your knowledge 

and  belief.  You  agree  to  update  the  credit  information  you  have 

provided  us  at  our  request  or  if  there  has  been  a  significant  change 

in  your  financial  condition.  You  agree  that  we  may  investigate  your 

creditworthiness  at  any  time.  You  authorize  us  to  obtain  information 

from  others,  including,  but  not  limited  to  credit  reporting  agencies, 

LATE CHARGE: If your Minimum Monthly Payment is not received by 

different than at the time the Account was opened. If you question the 

us within 14 days of the Payment Due Date, a Late Charge of $10 is 

accuracy of our reported information to a credit reporting agency, write 

imposed. 

STATEMENT  FEE:  If  you  request  a  copy  of  any  Statement  we  may 

impose a fee in the amount of $3.00 per Statement.

in question.

TRANSACTION DOCUMENT FEE: If you request a copy of any sales 

draft, credit voucher or similar document, a fee in the amount of $15 

per document may be imposed by us. This fee will not be imposed, 

however, if it was requested in connection with a Billing Error.

RUSHED CARD FEE: If you request your Card order to be rushed, we 

may impose a fee in the amount of $20.

Advances against your Credit Limit or reduce your Credit Limit at our 

discretion if your creditworthiness is significantly impaired, changed or 

us at the address listed on your periodic Statement with a description 

of your dispute. If available, please provide a copy of the credit report 

PERSONAL INFORMATION: You agree to promptly notify us of any 

change  in  your  name,  address,  employment,  telephone  numbers  or 

other  contact  information.  The  post  office  and  others  may  notify  us 

of  a  change  of  address.  We  will  notify  you  of  an  address  change 

at  your  previous  address  on  file  when  we  change  your  address. 

CANCELLATION AND REVOCATION: You may cancel your Card at 

any time by notifying us and destroying the Card and Account Checks. 

STOP PAYMENT FEE: If you request a stop payment on an Account 

Cancellation  of  your  Card  will  result  in  declined  Authorizations  when 

Check we may impose a fee in the amount of $10 whether or not the 

we  are  contacted  for  approvals.  We  have  the  right  to  revoke  your 

Account Check is successfully stopped.

REMOVE STOP PAYMENT FEE: If you request that we remove a stop 

payment on an Account Check we may impose a fee in the amount of 

$10 whether or not the Account Check is successfully paid. 

RETURNED  CHECK  FEE:  If  we  decline  to  honor  an  Account 

Convenience  Check  you  may  be  charged  a  fee  in  the  amount  $25, 

with a maximum of three (3) charges per day. We may decline to honor 

use  of  the  Card  at  any  time.  We  can  do  this  with  or  without  cause 

and  with  or  without  giving  you  notice.  Revocation  of  your  Card  will 

result in declined Authorizations when we are contacted for approvals. 

We  may  list  revoked  and  cancelled  cards  in  a  capture  bulletin  and/

or  otherwise  inform  those  requesting  Authorization  approvals  that 

your  Card  is  cancelled.  The  Card  and  Account  Checks  remain  our 

property  and  you  must  recover  and  surrender  or  destroy  all  Cards 

and  Account  Checks  as  requested  or  upon  termination  of  this 

MEMBERSHIP  REQUIREMENT:  You  must  be  a  Member  in  good 

standing with us to be eligible for an Account with us. We may suspend 

Card privileges, including closing the Account, if you do not maintain 

your Membership with us.

WAIVER OF RIGHTS: We may waive, decline or delay enforcing any of 

our rights under this Agreement or the law any number of times without 

losing our right to enforce them at a later date and without affecting any 

of our other rights.

SEVERABILITY:  Should  any  provisions  of 

this  Agreement  be 

determined to be invalid or unenforceable, that determination shall not 

affect the validity or enforceability of any other provision and the remaining 

provisions of this Agreement shall remain in full force and effective.

TELEPHONE MONITORING: You consent and authorize us to listen to 

and/or record telephone calls between you and us as well as any of our 

service partners that you may call or that may call you for the purpose 

of monitoring the quality of service you receive.

PERSONAL  IDENTIFICATION  NUMBER:  A  Personal  Identification 

Number (PIN) will be issued for new Accounts. Once the PIN mailer is 

received by you, you may change and personalize the PIN by following 

the instructions in the PIN mailer. Your PIN may be used by you with 

your  CARD  to  obtain  an  Advance  against  your  Credit  Limit  at  any 

Automated Teller Machine (ATM) displaying the VISA logo or to make 

Purchases at designated point of sale (POS) machines. Please keep 

your PIN confidential and do not write it on or keep it with your Card. 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you 

notify us. You may, however, be liable for unauthorized use that occurs 

before your notice to us. In most cases, you will not be liable for any 

unauthorized  transactions  unless  it  is  determined  you  were  grossly 

negligent or fraudulent in the handling of the card.

In the event your card is used fraudulently, you agree to assist us in 

our investigation and you agree to sign an affidavit of fraud and forgery 

asserting the fraud claim.

GOVERNING  LAW:  This  Agreement  is  made  in  California  and  we 

extend credit to you from California. This Agreement shall be governed 

by the laws of the State of California (without regard to its conflict of law 

principles) and by any applicable federal law regardless of where you 

live or where you use the Card. Also, California’s choice of law rules shall 

not be applied if that would result in the application of non-California law.

MERCHANT  DISPUTES:  You  understand  that  you  may  not  place, 

nor  will  we  accept,  a  stop  payment  on  any  transaction  effected  with 

your Card except as described in this Agreement. You understand that 

closing your Account or canceling your Card does not relieve you of 

the liability for transactions you or your authorized user(s) participated 

in or previously authorized.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: 
You understand that we will disclose data to third parties about you and 
your Account when it is necessary to complete the transaction; in order to 
verify the existence and condition of your account for a third party, such 
as a credit bureau or merchant; in order to comply with a law, government 
agency, court orders, or other legal process; in order to provide awards 
and services provided by, or in conjunction with, VISA and its respective 
contractors;  or  if  you  give  us  your  prior  oral  or  written  permission.

BENEFITS, FEATURES, ENHANCEMENTS OR SERVICES: We may 
provide  or  offer  benefits,  features,  services  or  enhancements to  your 
Account.  Some  may  be  at  no  cost  to  you  and  others  may  involve  a 
specified  cost.  You  understand  that  we  are  not  obligated  to  provide 
or  offer  such  benefits,  features,  services  or  enhancements  and  may 
withdraw or change them at any time.

CHANGE OF TERMS: This Agreement is the contract which applies to 
all transactions on the Account, even though the Purchase, Advance, 
credit  receipts  or  other  documents  you  sign,  agree  to,  or  receive, 
may  contain  different  terms.  We  may  amend  this  Agreement  at  any 
time.  We  may  amend  it  by  modifying,  adding,  deleting  or  changing 
any  provision,  term,  condition,  service,  or  feature  at  anytime.  When 
we amend this Agreement, we will comply with the applicable notice 
requirements  mandated  by  the  laws  that  are  in  effect  at  that  time. 
Unless  we  state  otherwise  or  as  prohibited  by  law,  the  amended 
Agreement will apply to the total unpaid outstanding balance including 
the balance existing before the amendment became effective and any 
subsequent transactions. If an Amendment gives you the opportunity 
to  opt  out  of  the  change  and  if  you  opt  out  in  the  manner  provided 
in  such  Amendment,  we  may  terminate  your  ability  to  use  additional 
credit and we may ask you to return your Card as a condition of your 
rejection.  We  may  replace  your  Card  with  another  Card  at  any  time. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This  notice  tells  you  about  your  rights  and  our  responsibilities 
under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

  Credit Union of Southern California
  P.O. Box 200
  Whittier, CA 90608-0200

In your letter, give us the following information:
•  Account information: Your name and account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 
describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 
mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, 

if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but 
if you do we are not required to investigate any potential errors and you 
may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

not continue to charge you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the 

amount in question, along with applicable interest and fees. We will 

send you a statement of the amount you owe and the date payment 

is due. We may then report you as delinquent if you do not pay the 

amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you 

must write to us within 10 days telling us that you still refuse to pay. If 

you do so, we cannot report you as delinquent without also reporting 

that you are questioning your bill. We must tell you the name of anyone 

to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 

organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first 

$50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 

purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to 

correct the problem with the merchant, you may have the right not to 

pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 

100 miles of your current mailing address, and the purchase price 

must have been more than $50. 

(Note: Neither of these are necessary if your purchase was based on 

an advertisement we mailed to you, or if we own the company that 

sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases 

made  with  cash  advances  from  an  ATM  or  with  a  check  that 

accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the 

purchase, contact us in writing at:

Credit Union of Southern California

PO Box 200

Whittier, CA 90608-0200

While we investigate, the same rules apply to the disputed amount as 

discussed above. After we finish our investigation, we will tell you our 

decision. At that point, if we think you owe an amount and you do not 

pay, we may report you as delinquent.

G-12447 | October 2017

concerning you and your credit accounts. You authorize us to disclose 

LOST, THEFT OR UNAUTHORIZED USE: If you notice the loss or theft of 

information  regarding  your  Account  to  credit  reporting  agencies 

your credit card or a possible unauthorized use of your card, you should 

and  other  creditors.  However,  we  are  not  obligated  to  release  any 

call us at 866 CU SoCal (866.287.6225) during business hours or 800 556 

information  to  anyone  unless  we  are  required  by  law  to  do  so.  You 

LOST (800.556.5678) when we are closed. If you are unable to access 

agree  that  we  have  the  right  to  terminate  future  Purchases  and 

the national toll-free telephone numbers, please call us at 562.698.8326. 

VISA® PLATINUM   |   VISA® CLASSIC

CREDIT CARD

AGREEMENT & DISCLOSURE

866.287.6225  |  CUSoCal.org

 
the daily balance of Advances for that day. We add together all the daily 

Account Convenience Checks if, for example, the amount of the Account 

Account.  A  merchant  or  financial  institution  may  in  the  course  of 

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

balances of Advances for each day in the billing cycle and divide the 

Convenience  Check  would  cause  you  to  exceed  your  Credit  Limit,  if 

accepting  the  Card  ask  you  to  surrender  a  Card  and  you  agree  to 

You understand that we will disclose data to third parties about you and 

error or explain to you why we believe the bill is correct.

total by the number of days in the billing cycle. This result is the Average 

you are in default, if you did not comply with the instructions included 

do  so.  Cancellation  or  revocation  of  your  Card  will  not  relieve  your 

your Account when it is necessary to complete the transaction; in order to 

Daily Balance of Cash Advances. This determines your total Interest for 

with the Account Convenience Check, the Account Convenience Check 

obligation to pay any amounts that may be due under this Agreement.

verify the existence and condition of your account for a third party, such 

the billing cycle. The actual period Interest Charges will be shown on 

appears  altered  or  is  missing  information,  the  Account  Convenience 

your Statement. You will be charged Interest Charges only to the date 

Check was used by someone other than the person to whom we sent 

you repay your entire Account balance. Making larger than Minimum 

the Account Convenience Check, the Card has expired or was revoked, 

Monthly Payments may reduce the total amount of Interest Charges that 

or the Account is closed or suspended. 

BENEFITS, FEATURES, ENHANCEMENTS OR SERVICES: We may 

responsible for the remainder of your balance.

provide  or  offer  benefits,  features,  services  or  enhancements to  your 

•  We can apply any unpaid amount against your credit limit.

While we investigate whether or not there has been an error:
•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

not continue to charge you interest on that amount.

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

After we finish our investigation, one of two things will happen:
•  If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment 
is due. We may then report you as delinquent if you do not pay the 
amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you 
must write to us within 10 days telling us that you still refuse to pay. If 
you do so, we cannot report you as delinquent without also reporting 
that you are questioning your bill. We must tell you the name of anyone 
to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first 
$50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 
purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to 
correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the purchase.

To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 
100 miles of your current mailing address, and the purchase price 
must have been more than $50. 
(Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that 
sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases 
made  with  cash  advances  from  an  ATM  or  with  a  check  that 
accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:

Credit Union of Southern California
PO Box 200
Whittier, CA 90608-0200

While we investigate, the same rules apply to the disputed amount as 
discussed above. After we finish our investigation, we will tell you our 
decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent.

G-12447 | October 2017

you will pay. While partial payments of your balance will not advance 

your  next  payment  due  date(s),  any  payment  that  accelerates  the 

payment of your unpaid balance will decrease your monthly periodic 

Interest  Charge  and  any  payment  that  delays  the  payment  of  your 

unpaid  balance  will  increase  your  monthly  periodic  Interest  Charge.

ANNUAL PERCENTAGE RATE: The VISA Platinum Annual Percentage 

Rate  for  Purchases  and  Advances  is  10.9%  with  a  corresponding 

Monthly Periodic Rate of .908%. The VISA Classic Annual Percentage 

Rate  for  Purchases  and  Advances  is  16.5%  with  a  corresponding 

Monthly  Periodic  Rate  of  1.375%  to  the  portion  of  the  Average  Daily 

Balance of Purchases or Advances that is less than or equal to $2500 

and 10.9% with a corresponding Monthly Periodic Rate of .908% to the 

portion  of  the  Average  Daily  Balance  of  Purchases  or  Advances  that 

is greater than $2500 during the billing cycle covered by the periodic 

Statement. We have provided you with a separate written record stating 

the Annual Percentage Rate for Purchases and Cash advances on your 

Account and that record is made part of this Agreement by this reference. 

MONTHLY PERIODIC RATE: The Monthly Periodic Rate is determined 

by dividing the Annual Percentage Rate by twelve (12 months in a year).

GRACE  PERIOD:  To  avoid  incurring  additional  Interest  Charges  on 

the new balance for Purchases reflected on your monthly statement, 

you must pay the new balance shown on your monthly statement on or 

before the Payment Due Date. Your due date is at least 25 days after the 

close of each billing cycle. We will not charge you interest on Purchases 

if your new balance is paid in full by your Payment Due Date and your 

previous balance was paid to zero by the previous Statement Payment 

Due  Date  or  if  your  previous  Statement  reflected  a  credit  balance. 

We will begin charging interest on Advances on the transaction date. 

RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  your 

Account is returned to us unpaid for any reason, you may be charged 

a fee in the amount of $25. This fee will also apply to any automatic 

payments.

FOREIGN PAYMENT COLLECTION FEE: If you sent us a payment for 

your Account that is in other than U.S. Dollars and we attempt to collect 

the funds, you may be charged a fee in the amount of $30. This fee will 

be charged whether or not the funds were collected. 

ACCOUNT  RESEARCH  or  RECONCILIATION  FEE:  If  you  request 

us  to  reconcile  your  Account  or  search  for  a  specific  transaction 

posting,  we  may  impose  a  fee  in  the  amount  of  $30  whether  or  not 

the transaction was located. The minimum fee is $7.50 and charged in 

increments of 15 minutes. 

CREDIT INFORMATION: You agree that all statements made in your 

application for your Account were made for the purpose of obtaining 

credit and are true, correct and complete to the best of your knowledge 

and  belief.  You  agree  to  update  the  credit  information  you  have 

provided  us  at  our  request  or  if  there  has  been  a  significant  change 

in  your  financial  condition.  You  agree  that  we  may  investigate  your 

creditworthiness  at  any  time.  You  authorize  us  to  obtain  information 

from  others,  including,  but  not  limited  to  credit  reporting  agencies, 

MEMBERSHIP  REQUIREMENT:  You  must  be  a  Member  in  good 

standing with us to be eligible for an Account with us. We may suspend 

Card privileges, including closing the Account, if you do not maintain 

your Membership with us.

WAIVER OF RIGHTS: We may waive, decline or delay enforcing any of 

our rights under this Agreement or the law any number of times without 

losing our right to enforce them at a later date and without affecting any 

of our other rights.

SEVERABILITY:  Should  any  provisions  of 

this  Agreement  be 

determined to be invalid or unenforceable, that determination shall not 

affect the validity or enforceability of any other provision and the remaining 

provisions of this Agreement shall remain in full force and effective.

TELEPHONE MONITORING: You consent and authorize us to listen to 

and/or record telephone calls between you and us as well as any of our 

service partners that you may call or that may call you for the purpose 

of monitoring the quality of service you receive.

PERSONAL  IDENTIFICATION  NUMBER:  A  Personal  Identification 

Number (PIN) will be issued for new Accounts. Once the PIN mailer is 

received by you, you may change and personalize the PIN by following 

the instructions in the PIN mailer. Your PIN may be used by you with 

your  CARD  to  obtain  an  Advance  against  your  Credit  Limit  at  any 

Automated Teller Machine (ATM) displaying the VISA logo or to make 

Purchases at designated point of sale (POS) machines. Please keep 

your PIN confidential and do not write it on or keep it with your Card. 

as a credit bureau or merchant; in order to comply with a law, government 

agency, court orders, or other legal process; in order to provide awards 

and services provided by, or in conjunction with, VISA and its respective 

contractors;  or  if  you  give  us  your  prior  oral  or  written  permission.

Account.  Some  may  be  at  no  cost  to  you  and  others  may  involve  a 

specified  cost.  You  understand  that  we  are  not  obligated  to  provide 

or  offer  such  benefits,  features,  services  or  enhancements  and  may 

withdraw or change them at any time.

CHANGE OF TERMS: This Agreement is the contract which applies to 

all transactions on the Account, even though the Purchase, Advance, 

credit  receipts  or  other  documents  you  sign,  agree  to,  or  receive, 

may  contain  different  terms.  We  may  amend  this  Agreement  at  any 

time.  We  may  amend  it  by  modifying,  adding,  deleting  or  changing 

any  provision,  term,  condition,  service,  or  feature  at  anytime.  When 

we amend this Agreement, we will comply with the applicable notice 

requirements  mandated  by  the  laws  that  are  in  effect  at  that  time. 

Unless  we  state  otherwise  or  as  prohibited  by  law,  the  amended 

Agreement will apply to the total unpaid outstanding balance including 

the balance existing before the amendment became effective and any 

subsequent transactions. If an Amendment gives you the opportunity 

to  opt  out  of  the  change  and  if  you  opt  out  in  the  manner  provided 

in  such  Amendment,  we  may  terminate  your  ability  to  use  additional 

credit and we may ask you to return your Card as a condition of your 

rejection.  We  may  replace  your  Card  with  another  Card  at  any  time. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

concerning you and your credit accounts. You authorize us to disclose 

LOST, THEFT OR UNAUTHORIZED USE: If you notice the loss or theft of 

information  regarding  your  Account  to  credit  reporting  agencies 

your credit card or a possible unauthorized use of your card, you should 

and  other  creditors.  However,  we  are  not  obligated  to  release  any 

call us at 866 CU SoCal (866.287.6225) during business hours or 800 556 

This  notice  tells  you  about  your  rights  and  our  responsibilities 

information  to  anyone  unless  we  are  required  by  law  to  do  so.  You 

LOST (800.556.5678) when we are closed. If you are unable to access 

under the Fair Credit Billing Act.

agree  that  we  have  the  right  to  terminate  future  Purchases  and 

the national toll-free telephone numbers, please call us at 562.698.8326. 

Advances against your Credit Limit or reduce your Credit Limit at our 

discretion if your creditworthiness is significantly impaired, changed or 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you 

notify us. You may, however, be liable for unauthorized use that occurs 

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

LATE CHARGE: If your Minimum Monthly Payment is not received by 

different than at the time the Account was opened. If you question the 

us within 14 days of the Payment Due Date, a Late Charge of $10 is 

accuracy of our reported information to a credit reporting agency, write 

imposed. 

STATEMENT  FEE:  If  you  request  a  copy  of  any  Statement  we  may 

impose a fee in the amount of $3.00 per Statement.

in question.

TRANSACTION DOCUMENT FEE: If you request a copy of any sales 

draft, credit voucher or similar document, a fee in the amount of $15 

per document may be imposed by us. This fee will not be imposed, 

however, if it was requested in connection with a Billing Error.

RUSHED CARD FEE: If you request your Card order to be rushed, we 

may impose a fee in the amount of $20.

us at the address listed on your periodic Statement with a description 

of your dispute. If available, please provide a copy of the credit report 

PERSONAL INFORMATION: You agree to promptly notify us of any 

change  in  your  name,  address,  employment,  telephone  numbers  or 

other  contact  information.  The  post  office  and  others  may  notify  us 

of  a  change  of  address.  We  will  notify  you  of  an  address  change 

at  your  previous  address  on  file  when  we  change  your  address. 

CANCELLATION AND REVOCATION: You may cancel your Card at 

any time by notifying us and destroying the Card and Account Checks. 

before your notice to us. In most cases, you will not be liable for any 

  Credit Union of Southern California

unauthorized  transactions  unless  it  is  determined  you  were  grossly 

  P.O. Box 200

negligent or fraudulent in the handling of the card.

  Whittier, CA 90608-0200

In the event your card is used fraudulently, you agree to assist us in 

In your letter, give us the following information:

our investigation and you agree to sign an affidavit of fraud and forgery 

•  Account information: Your name and account number.

asserting the fraud claim.

•  Dollar amount: The dollar amount of the suspected error.

•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 

describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 

GOVERNING  LAW:  This  Agreement  is  made  in  California  and  we 

extend credit to you from California. This Agreement shall be governed 

by the laws of the State of California (without regard to its conflict of law 

mistake.

principles) and by any applicable federal law regardless of where you 

You must contact us:

live or where you use the Card. Also, California’s choice of law rules shall 

•  Within 60 days after the error appeared on your statement.

not be applied if that would result in the application of non-California law.

•  At least 3 business days before an automated payment is scheduled, 

STOP PAYMENT FEE: If you request a stop payment on an Account 

Cancellation  of  your  Card  will  result  in  declined  Authorizations  when 

Check we may impose a fee in the amount of $10 whether or not the 

we  are  contacted  for  approvals.  We  have  the  right  to  revoke  your 

MERCHANT  DISPUTES:  You  understand  that  you  may  not  place, 

if you want to stop payment on the amount you think is wrong.

Account Check is successfully stopped.

REMOVE STOP PAYMENT FEE: If you request that we remove a stop 

payment on an Account Check we may impose a fee in the amount of 

$10 whether or not the Account Check is successfully paid. 

RETURNED  CHECK  FEE:  If  we  decline  to  honor  an  Account 

Convenience  Check  you  may  be  charged  a  fee  in  the  amount  $25, 

with a maximum of three (3) charges per day. We may decline to honor 

use  of  the  Card  at  any  time.  We  can  do  this  with  or  without  cause 

and  with  or  without  giving  you  notice.  Revocation  of  your  Card  will 

result in declined Authorizations when we are contacted for approvals. 

We  may  list  revoked  and  cancelled  cards  in  a  capture  bulletin  and/

or  otherwise  inform  those  requesting  Authorization  approvals  that 

your  Card  is  cancelled.  The  Card  and  Account  Checks  remain  our 

property  and  you  must  recover  and  surrender  or  destroy  all  Cards 

and  Account  Checks  as  requested  or  upon  termination  of  this 

nor  will  we  accept,  a  stop  payment  on  any  transaction  effected  with 

You must notify us of any potential errors in writing. You may call us, but 

your Card except as described in this Agreement. You understand that 

if you do we are not required to investigate any potential errors and you 

closing your Account or canceling your Card does not relieve you of 

may have to pay the amount in question.

the liability for transactions you or your authorized user(s) participated 

in or previously authorized.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received 

your letter. We will also tell you if we have already corrected the error.

VISA® PLATINUM   |   VISA® CLASSIC

CREDIT CARD

AGREEMENT & DISCLOSURE

866.287.6225  |  CUSoCal.org