the  provisions  of 

the  Agreement  and  your 

26.  TERMINATION:  We  may 
terminate  or  suspend  your  credit 
privileges  under  this  Agreement,  at  any  time,  in  our  sole  discretion 
without  demand  or  notice.  If  we  are  required  by  law  to  give  you  a 
reason  for  adverse  action  for  credit  denied,  we  will  do  so.  You  must 
notify  us  in  writing  if  you  decide  to  terminate  the  Agreement.  If  you 
terminate  this  Agreement  or  if  we  terminate  or  suspend  your  credit 
privileges, 
liability 
hereunder  shall  otherwise  remain  in  full  force  and  effect  until  all  cards 
or  credit  instruments  or  devices  issued  to  you  have  been  canceled 
and/or returned to us and you have paid us all sums due us.
27. NON-REISSUANCE: For security purposes, Star One Credit Union VISA 
Credit Cards are reissued every two years. If at the time of reissue your 
VISA  Credit  Card Account  has  been  inactive  for  at  least  12  months,  we 
reserve the right to not reissue you a new Card and may close your VISA 
account.
28.  TRANSFER  OF  ACCOUNT:  You  cannot  transfer  your  account  to  any 
other person.
29. ACCELERATION: If you are in default as provided above, or if we in 
good faith reasonably believe that the prospect of payment or performance 
is impaired, amounts you owe us shall, at our option and without notice, 
become immediately due and payable.
30.  DELAY  IN  ENFORCEMENT:  We  can  delay  enforcing  any  right  under 
this Agreement without losing that right or any other right.
31.  AMENDMENT:  We  reserve  the  right  to  amend  the  terms  of  this 
Agreement at anytime as permitted by and subject to any limitations and 
notice requirements of applicable law.
32. SEVERABILITY: If any provision of this Agreement is held invalid all 
provisions that are severable from the invalid provision remain in effect.
33. OWNERSHIP OF CARDS: Any Card or other credit instrument or device 
which  we  supply  to  you  is  our  property  and  must  be  returned  to  us,  or 
any person whom we authorize to act as our agent, or any person who is 
authorized to honor the Card. The Card may be repossessed at any time at 
our sole discretion without any demand or notice.
34. PIN SECURITY: You agree not to disclose or otherwise make your Card 
or Personal Identification Number (“PIN”) available to anyone without prior 
written  consent. You  agree  not  to  disclose  or  otherwise  make  available 
your PIN to anyone not authorized to sign on your account. For security 
reasons, please do not write your PIN on your Card or keep it in the same 
location as your Card.
35.  CURRENCY 
FEE: 
Purchases and cash advances made in foreign currencies will be billed 
in  U.S.  dollars. The  conversion  rate  in  U.S.  dollars  will  be  either  at  the 
government  mandated  rate  or  a  wholesale  currency  market  rate 
determined  by  VISA®  for  the  processing  cycle  in  which  the  transaction 
is processed.
The currency conversion rate used by VISA® on the processing date may 
differ from the rate that would have been used on the purchase date or 
cardholder statement posting date. The Credit Union has no control over 
the conversion rate. In addition to the conversion rate selected by VISA®, a 
separate VISA International Service Assessment Fee up to 1% is charged 
to the Credit Union and will also appear as a separate line item on your 
statement.
36. CREDIT REPORTS: You authorize us to make or have made any credit, 
employment  and  /or  investigative  inquiry  we  deem  appropriate  for  the 
extension  of  credit  or  collection  of  amounts  owing  on  the  account.  We 
can  furnish  information  concerning  your  account  to  consumer  reporting 
agencies  and  others  who  appear  to  have  a  business  need  for  that 
information.
37. ADDRESS: You agree to advise us promptly if you change your mailing 
address. We can accept address corrections received from the U.S. Postal 
Service for any authorized user. All written notices and statements from 
us to you will be sent to your address as it appears on our records.

CONVERSION/FOREIGN 

TRANSACTION 

Written notices and inquiries from you to us must be sent to: 

Star One Credit Union 
P.O. Box 3643 
Sunnyvale, California 94088-3643
38. GOVERNING LAW: This Agreement will not take effect until it is approved 
by the Credit Union in the State of California. All payments shall be made 
to  the  Credit  Union  at  the  Credit  Union’s  offices. This Agreement  shall  be 
governed by the laws of the State of California.
39. PHONE CALLS: In the regular course of our business, we may monitor 
and record phone conversations made or received by our employees. You 
agree that we will have such right with respect to all phone conversations 
between  you  and  our  employees,  whether  initiated  by  you  or  any  of  our 
employees.

YOUR CREDIT CARD BILLING RIGHTS
Keep this document for future use. This notice tells you about your rights and 
our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement. If you think there 
is an error on your statement, write to us at the Credit Union address on 
your statement.
In your letter, give us the following information:
	 •	Account information: Your name and account number.
	 •	Dollar amount: The dollar amount of the suspected error.
	 •		Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 
describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 
mistake.

You must contact us:
	 •		Within	60	days	after	the	error	appeared	on	your	statement.
	 •		At	least	3	business	days	before	an	automated	payment	is	scheduled,	

if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if 
you do, we are not required to investigate any potential errors and you may 
have to pay the amount in question.
What Will Happen After We Receive Your Letter. When we receive your 
letter, we must do two things:
  1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we 
received your letter. We will also tell you if we have already corrected 
the error.

  2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
	 •		We	 cannot	 try	 to	 collect	 the	 amount	 in	 question	 or	 report	 you	 as	

delinquent on that amount.

	 •		The	 charge	 in	 question	 may	 remain	 on	 your	 statement,	and	 we	 may	

continue to charge you interest on that amount.

	 •		While	 you	 do	 not	 have	 to	 pay	 the	 amount	 in	 question,	 you	 are	

responsible for the remainder of your balance.

	 •	We	can	apply	any	unpaid	amount	against	your	credit	limit.
After we finish our investigation, one of two things will happen:
	 •		If we made a mistake: You will not have to pay the amount in question 

or any interest or other fees related to that amount.

	 •  If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment 
is  due. We  may  then  report  you  as  delinquent  if  you  do  not  pay  the 
amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning  your  bill. We  must  tell  you  the  name  of  anyone  to  whom  we 
reported  you  as  delinquent,  and  we  must  let  those  organizations  know 
when the matter has been settled between us. If we do not follow all of the 

rules above, you do not have to pay the first $50 of the amount you question 
even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. 
If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount 
due on the purchase. To use this right, all of the following must be true:
  1.  The purchase must have been made in your home state or within 100 
miles  of  your  current  mailing  address,  and  the  purchase  price  must 
have been more than $50. (Note: Neither of these are necessary if 
your purchase was based on an advertisement we mailed to you, 
or if we own the company that sold you the goods or services.)
  2.  You  must  have  used  your  credit  card  for  the  purchase.  Purchases 
made with cash advances from an ATM or with a check that accesses 
your credit card account do not qualify.

  3. You must not yet have fully paid for the purchase.
If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at the above address. While we investigate, 
the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After 
we  finish  our  investigation,  we  will  tell  you  our  decision. At  that  point,  if 
we  think  you  owe  an  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent.

STAR ONE CREDIT UNION

Sunnyvale
1080 Enterprise Way, Suite 150
Sunnyvale, CA 94089
Enterprise Way & 11th Ave.

Cupertino
10991 North DeAnza Blvd.
Cupertino, CA 95014
DeAnza Blvd. & Homestead Road

San Jose
1090 Blossom Hill Road
San Jose, CA 95123
Blossom Hill Road & Almaden Expwy

San Jose
3136 Stevens Creek Blvd.
San Jose, CA95117
Stevens Creek Blvd. & S. Winchester Blvd.

Palo Alto
3903 El Camino Real
Palo Alto, CA 94306
El Camino Real & Ventura Ave.

Administration Building
1306 Bordeaux Dr
Sunnyvale, CA 94089

Mailing Address
Star One Credit Union
P.O. Box 3643
Sunnyvale, CA 94088-3643

Phone Numbers
866-543-5202
408-543-5202

WEB ADDRESS
www.starone.org

VISA Credit Card
Agreement
and
Disclosure
Statement for:
Platinum, Gold
and Classic

STR-1030 (9/2013)

9/2013

VISA CREDIT CARD AGREEMENT

1.  DEFINITION  OF  PARTIES:  This  VISA  Credit  Card  Agreement 
(“Agreement”)  covers  your VISA  Credit  Card  (“Card”)  issued  through  Star 
One  Credit  Union.  In  this Agreement  the  words “you,” “your,”  and “yours” 
include any joint obligator, guarantor, authorized user, or the person whose 
name  is  embossed  on  the  Card.  The  words  “we,”  “us,”  and  “our”  mean 
Star One Credit Union.
2.  AGREEMENT  ACCEPTANCE:  If  you  sign  an  application  for  any  account 
under  this  Agreement  or  sign  or  use  any  Card(s)  issued  or  Personal 
Identification  Number  (PIN);  or  allow  others  to  use  the  account,  Card(s) 
or PIN, you and they will have accepted this Agreement just as if you and 
they signed it, and you and they, jointly and severally, will be bound by the 
following terms and conditions.
3. SIGN YOUR CARD: Immediately sign the signature panel on the back of 
your Card upon receipt. The Card must be signed in order to be valid.
4. VISA CREDIT LINE: We have established and advised you of the “Credit 
Line,”  which  is  the  limit  on  the  total  balance  that  may  be  outstanding  in 
your  account  at  any  one  time. Your VISA  Credit  Line  is  to  be  considered  a 
signature loan. The maximum signature limit cannot be exceeded. Therefore, 
other  outstanding  signature  loans  must  be  taken  into  account  when  your 
VISA  Credit  Line  is  established.  You  agree  not  to  attempt  to  obtain  more 
credit  than  the  amount  of  your  Credit  Line.  However,  if  you  temporarily 
exceed  your VISA  Credit  Line,  you  agree  to  repay  the  excess  immediately, 
even if we have not yet billed you. Obtaining such credit does not increase 
your VISA Credit Line; however, we can increase your VISA Credit Line at our 
sole discretion.
5. USING YOUR CARD: You may use your account for purchases of services 
and  merchandise  from  participating  merchants  that  honor  your  Card.  You 
may also use your Card to obtain a cash advance from participating financial 
institutions. Neither we nor any merchants authorized to honor the Card will 
be responsible for the failure or refusal of anyone to honor the Card or any 
other credit instruments or devices we supply to you.
6.  ILLEGAL  OR  UNLAWFUL  TRANSACTIONS:  You  agree  that  you  will  not 
use the Card for any illegal or unlawful transaction, and we may decline to 
authorize any transaction that we believe poses an undue risk of illegality 
or  unlawfulness.  You  agree  that  Star  One  Credit  Union  will  not  have  any 
liability,  responsibility,  or  culpability  whatsoever  for  any  such  use  by  you 
or any authorized user(s). You further agree to indemnify and hold Star One 
Credit Union harmless from any suits, liability, damages, or adverse action of 
any kind that results directly or indirectly from such illegal use.
7.  ATM  ACCESS  FOR  CASH  ADVANCES/ATM  CASH  ADVANCE  LIMITS: 
Your  Card  and  Personal  Identification  Number  (PIN)  can  be  used  to  obtain 
cash advances from your VISA Credit Card account at Star One Credit Union 
ATMs and at other ATMs in the VISA ATM network and other such machines 
or facilities that we may designate. There are no fees for requesting cash 
advances  on  Star  One  Credit  Union  owned  ATMs.  There  may  be  fees  for 
cash  advances  at ATMs  owned  by  other  institutions. You  may  obtain  cash 
advances  against your account up to a maximum aggregate total of $500 
per day provided sufficient funds are available.
8. CHECKING ACCOUNT OVERDRAFT COVERAGE: Your VISA Credit Card may 
also  provide  Overdraft  Coverage  on  your  Star  One  Credit  Union  checking 
account. If you authorize us to link your Credit Card account to your checking 
account for overdraft coverage and the balance in your checking account is 
not sufficient to pay the transaction amount, we may treat the transaction as 
a request to access your VISA Credit Line. The funds may be transferred from 
your VISA Credit Line into your checking account in $100 increments. These 
transfers will be treated as cash advances. If sufficient credit is not available 
on your VISA Credit Card account to cover the amount of the check or other 
item, we will be unable to initiate a cash advance loan advance under this 
Agreement for purposes of checking account overdraft coverage.
Limit:  Your  Checking  Account  Overdraft  Coverage  limit  will  be  part  of, 
and not in addition to, your total approved Credit Line under this Agreement.

Liability  For  Overdrafts  Caused  by  Any  Checking  Account  Signer:  You 
understand  that  if  advances  are  made  against  your  VISA  account  to  cover 
overdrafts to your checking account created by other persons with the right 
to access said checking account, you will be fully liable for such advances 
nonetheless.
9. VISA  CONVENIENCE  CHECK:  If  we  approve,  you  may  obtain  advances 
under  your  Account  by  writing  preprinted  VISA  convenience  loan  checks 
that  we  supply  to  you.  Your  use  of  loan  checks  will  be  shown  as  cash 
advances  on  your  monthly  statement.  We  may  not  honor  your  loan  check 
if:  your  check  is  post-dated;  payment  of  the  check  would  exceed  your 
Credit  Limit;  a  check  is  signed  by  person  without  authorized  access;  the 
amount  of  the  check  is  less  than  the  minimum  required  amount;  your 
Account  has  been  terminated  or  suspended,  or  any  drafts  have  been 
reported  lost  or  stolen.  You  may  stop  payment  on  a  loan  check  if  you 
provide  us  with  the  exact  information  describing  the  check.  If  you  give 
us  incorrect  information,  we  will  not  be  responsible  for  failing  to  stop 
payment.  You  understand  there  may  be  a  charge  for  each  stop  payment 
order  requested.  Our  liability  for  a  wrongful  dishonor  is  limited  to  your 
actual  charges,  however,  a  dishonor  for  the  reasons  stated  above  is  not 
a  wrongful  dishonor.  Only  the  person  whose  name  is  printed  on  a 
convenience  check  may  sign  it.  All  convenience  checks  must  be  written 
in  U.S.  dollars.  We  will  not  certify  a  convenience  check.  You  may  write 
these  checks  for  any  amount  providing  your  total  outstanding  balance 
does  not  exceed  your  available  credit  limit  and  your  credit  card  remains 
in good standing. We are entitled to return it unpaid if there is not enough 
available  credit  on  your  account  to  pay  it,  if  you  are  in  default  under  this 
Agreement,  if  your  card  or  convenience  checks  have  been  reported  lost 
or stolen, or if the convenience check is post-dated. A VISA convenience check 
may not be used to make a payment on your VISA credit card account or any 
other Star One loan obligation. The Credit Union shall have no liability for any 
convenience check returned in excess of your credit line.
10. YOU PROMISE TO PAY: You promise to pay us in United States dollars, by 
cash, check or money order as provided by this Agreement, all such amounts, 
plus Interest Charges, which arise from such use of the Card or account by 
you  or  any  other  person,  and  to  be  jointly  and  severally  liable  with  such  a 
person, unless such other person does not have actual, implied, or apparent 
authority for such use, and you received no benefit for the use.
11.  MINIMUM  PAYMENT  REQUIRED:  Minimum  Monthly  Payment.  We 
will  mail  you  a  statement  every  month  if  your  account  has  a  balance. You 
agree  that  you  will  pay  each  month  not  less  than  the  minimum  monthly 
payment  on  or  before  the  scheduled  monthly  due  date.  The  minimum 
monthly  payment  will  be  2.5%  of  your  outstanding  balance  (“New 
Balance”)  or  $20.00,  whichever  is  greater.  If  your  outstanding  balance 
is $20.00 or less, you agree to pay the balance in full. You may pay in full 
for  all  your  purchases  and  cash  advances  each  month,  or  you  may 
repay  in  monthly  installments.  We  can  accept  late  payments  or  partial 
payments,  or  checks,  drafts,  or  money  orders  marked  “payment  in  full” 
without  prejudice  to  our  rights  under  this  Agreement,  which  are  hereby 
explicitly  reserved.  A  credit  posting  from  a  merchant  or  reversal  of  fees 
do not constitute a minimum payment. The minimum monthly payment may be 
allocated at the Credit Union’s discretion to pay off lower rate balances, such 
as  promotional  offers,  before  higher  rate  balances,  such  as  cash  advances 
or purchases. Payments in excess of the minimum monthly payment will be 
allocated first to higher rate balances, as applicable.
12. AUTOMATIC PAYMENT OPTION: If you have elected Automatic Payment 
(or “AutoPay”), the Credit Union will automatically deduct and transfer your 
monthly  VISA  Credit  Card  payment  from  your  designated  Credit  Union, 
checking  or  savings  account  on  the  scheduled  Payment  Due  Date.  The 
Automatic  Payment  Option  is  voluntary,  is  not  a  condition  of  credit  or  this 
Agreement and can be withdrawn by you at any time. The Automatic Payment 
option remains in effect until the Credit Union receives notification from you 
terminating  the  arrangement.  Your  request  for  termination  must  give  the 
Credit Union reasonable opportunity to act on it.
When  you  elect  AutoPay,  you  agree  that  we  may  adjust  the  automatic 
payment  amount  each  month  to  agree  to  either  the  minimum  monthly 

payment (Required Payment Due) or “Payment in Full” as authorized by you. 
Notification  of  the  varying  payment  amount  due  and  scheduled  payment 
due date will be satisfied by providing you with a monthly billing statement 
reflecting  this  information.  If  sufficient  funds  are  not  available  to  satisfy 
the  total  amount  of  the  payment  when  due;  we  will  take  whatever  funds 
are  available  each  processing  day  between  the  payment  due  date  and 
the  account  cycle  date  until  the  scheduled  payment  is  satisfied.  If  due  to 
insufficient funds we do not transfer funds to make your required VISA Credit 
Card payment, you will be responsible to ensure that the required VISA Credit 
Card payment is made.
13.  Interest  Charges:  The  total  outstanding  balance  of  purchases, 
cash,  and  overdraft  advances  in  the  Account  on  the  closing  date  of  any 
Billing  Cycle,  including  any  Interest  Charges,  will  be  shown  on  the 
Periodic Statement for that billing Cycle as the “New Balance.”
(a)  Purchases.  An  Interest  Charge  will  be  imposed  on  the  portion  of 
purchases  included  in  the  New  Balance  that  remains  unpaid  within  25 
days after the closing date. This “grace period” allows you to avoid an  
Interest Charge on purchases for a billing cycle. However, if you do not 
pay the New Balance for purchases within the grace period, your Interest 
Charge will accrue on any unpaid purchase transactions from the date 
of purchase.

(b)  Cash/Overdraft Advances An Interest Charge will be imposed on Cash/
Overdraft Advances from the date posted to the account to the date paid.
14.  DAILY  BALANCE  COMPUTATION  METHOD:  The  Credit  Union  figures 
the  Interest  Charge  on  your  account  by  starting  with  your  Daily  Balance 
(excluding  unpaid  Interest  Charges)  and  multiplying  that  number  by  the 
number of days during the Billing Cycle during which you had that balance. 
We do this for each balance you have during the Billing Cycle and add up the 
results. That  total  is  the  balance  used  to  determine  your  Interest  Charge 
and is divided by the number of days in the Billing Cycle, then multiplied by 
the  Annual  Percentage  Rate  (APR),  then  divided  by  365  days,  and  then 
multiplied  by  the  number  of  days  in  the  Billing  Cycle  to  get  your  Interest 
Charge  for  the  Billing  Cycle.  Interest  Charges  start  to  accrue  on  loan 
advances and on purchases from the date the loan advance or purchase is 
posted  to  your  account  and  your  loan  balance  is  reduced  when  the  Credit 
Union receives your payment or enters a credit. An Interest Charge will not 
be imposed on the portion of purchases that are paid within 25 days after 
the closing date.
15.  DAILY  PERIODIC  RATE  AND  Annual  Percentage  Rate: 
VISA Platinum Cards - The Daily Periodic Rate used to compute the Interest 
Charge  on  VISA  Platinum  Accounts  is  .0239726%  with  a  8.75%  Annual 
Percentage Rate.
VISA Gold Cards - The Daily Periodic Rate used to compute the
Interest Charge on VISA Gold Accounts is .0267123% with a 9.75%
Annual Percentage Rate.
VISA Classic Cards - The Daily Periodic Rate used to compute the
Interest Charge on VISA Classic Accounts is .0287671% with a
10.5% Annual Percentage Rate, .0349315% with a 12.75%
Annual Percentage Rate, and .040411% with a 14.75% Annual
Percentage Rate.
Refer to your VISA Credit Card approval letter for your applicable
Annual Percentage Rate.
The  Interest  Charge  for  any  Billing  Cycle  will  be  the  sum  of  the  Interest 
Charge for purchases and the Interest Charge for cash advances.
time,  we  may  offer 
16.  PROMOTIONAL  RATES:  From 
Periodic 
promotional 
Rates 
the  Periodic  Rate  and  Annual  Percentage  Rates 
lower 
than 
(“Promotional  Rates”)  stated 
in  this  Agreement.  The  terms  of  any 
promotional  rates  will  be  disclosed  to  you  at  the  time  of  the  promotion 
in  a  separate  addendum  which  will  become  part  of  this  Agreement.  At 
the  end  of  the  promotional  period,  the  Periodic  Rate  and  Annual 
Percentage  Rate  for  your  account  will  be  the  same  terms  as  set 
forth in this Agreement.

to 
Annual 

Percentage 

Rates 

time 

and 

17.  OTHER FEES AND CHARGES:
(a)  Late Payment Charge - If your Minimum Payment is not paid within 10 
days after the Payment Due Date, you will be subject to a $15.00 charge 
or the maximum late charge allowed by applicable law.

(b)  Returned Check Charge - A $13.00 charge will be made when a check 
submitted by you for payment on an account is returned to us, regardless 
of the reason.

(c)  Research and Copying - If you ask us to examine your account or provide 
copies of documents, except in resolution of a billing error we may charge 
you $3.00 for each duplicate statement, $2.00 for each interim statement, 
$3.00  for  each  photocopy  of  purchase  drafts,  and  $20.00  per  hour  for 
the research.

(d)  Annual Membership Fee - None
(e)  ATM  Fees  -  If  you  use  an ATM  to  obtain  a  cash  advance  and  the ATM 
is  not  operated  by  us,  you  may  be  charged  an  ATM  surcharge  by  the 
ATM  operator  or  an  ATM  network  utilized  for  such  a  transaction.  The 
ATM  surcharge  may  be  charged  to  your  account  if  you  complete  the 
transaction.

18.  PAYMENTS:  We  will  apply  your  payments  first  to  any  billed  fees,  then 
to late charges, then to the Interest Charges on both purchases and cash 
advances, then to the principal balances of purchases in the order they were 
posted to your account, and then to the principal balance of cash advances. 
If two or more purchases were posted on the same day, your payment will be 
applied to the smallest first.
19. PERIODIC STATEMENTS: If, at the end of any monthly periodic interval 
which  we  may  determine  (the  “Billing  Cycle”),  you  have  an  outstanding 
undisputed debit or credit balance in your account, or if there is an Interest 
Charge imposed with respect to your account, we will send you a periodic 
statement for that Billing Cycle.
20. ACCOUNT STATEMENT: Unless you notify us of a billing error as described 
below, you accept your periodic statements as accurate statements of your 
account with us.
21. USE OF THE ACCOUNT BY OTHERS: If you permit another person to use 
your account, you agree to pay for (1) any transactions made by that person 
and  (2)  charges  imposed  on  those  transactions,  even  if  the  amount  of  the 
actual use exceeds your permission to the extent allowed by applicable law.
22. LIABILITY FOR UNAUTHORIZED USE: Lost/Stolen Notification: You agree 
to notify us immediately, orally or in writing at Star One Credit Union, P.O. Box 
3643,  Sunnyvale,  California  94088-3643,  telephone  408  543-5202  or  866 
543-5202 of the loss, theft, or unauthorized use of your Card or other credit 
instrument or device that we supply  to  you. If you  notify  us of your lost  or 
stolen Credit Card after discovery, you may not be liable for any losses related 
to  credit  transactions.  This  zero  liability  will  apply  provided  you  were  not 
grossly negligent or fraudulent in handling your Card; otherwise your liability 
for unauthorized Visa Credit Card transactions may be up to $50.
You  agree  to  assist  us  in  determining  the  facts,  circumstances,  and  other 
pertinent information related to any loss, theft, or possible unauthorized use 
of your Card, Account Number or PIN and to comply with such procedures as 
we may require with our processing and investigation.
23.  IRREGULAR  PAYMENTS:  We  can  accept  late  payments  or  partial 
payments,  or  checks  and  money  orders  marked “payment  in  full”  without 
prejudice  to  our  rights  under  this  Agreement,  which  are  hereby  explicitly 
reserved.

24. DEFAULT: You will be in default if you fail to pay as agreed, fail to comply 
with any provision of this Agreement, if you provide us with false information 
or signature, if you default on any account or other obligation that you have 
with us, or if you die, become insolvent, or file bankruptcy.
25.  ATTORNEYS  FEES  AND  COSTS:  If  you  default  on  any  part  of  this 
Agreement, you agree to pay us all costs to collect your account, including 
court costs and reasonable attorneys fees whether or not there is a lawsuit, 
and fees on any appeal and fees for bankruptcy proceedings, appeals, and 
any post-judgment collection services, if applicable.

INTEREST RATES AND INTEREST CHARGES

Annual
Percentage
Rate (APR)
for Purchases

8.75%
Visa Platinum

9.75%
Visa Gold

12.75 - 14.75% 
Visa Classic 

When you open a Visa Classic account, the applicable 
APR is based on creditworthiness

APR for 
Cash Advances 
and Balance Transfers

8.75%
Visa Platinum

9.75%
Visa Gold

12.75 - 14.75% 
Visa Classic 

When you open a Visa Classic account, the applicable APR 
is based on creditworthiness

How to Avoid
Paying Interest
on Purchases

Your due date is 25 days after the close of each billing cycle. 
We will not charge any interest on the portion of the purchases 
balance that you pay by the due date each month.

For Credit Card
Tips from the Federal
Reserve Board

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

Annual Fee

Transaction Fees

FEES

None

Foreign Transaction Fees

Up to 1% of the US dollar amount of the foreign transaction.

Penalty Fees

Late Payment Fee

Return Item Fee 

$15
$13 

How We Will Calculate Your Balance: We use a method called daily balance (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your Credit Card Account Agreement.

Minimum Payment Required: The minimum monthly payment will be 2.5% of your outstanding balance  
or $20.00, whichever is greater.