Credit Builder Credit Card Disclosure and Agreement 

Interest Rates and Interest Charges 
Annual percentage rate 
(APR) for purchases 

APR for Balance 
Transfers   

18.00%  
APR is non-variable, any rate changes will not affect existing balances at the time of the change 
18.00%  
APR is non-variable, any rate changes will not affect existing balances at the time of the change 

APR for Cash Advances   18.00% 

Penalty APR and when it 
applies 
Paying Interest 

APR is non-variable, any rate changes will not affect existing balances at the time of the change 
N/A 

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
interest on purchases if you pay your entire balance by the due date each month.  We will begin 
charging interest on cash advances and balance transfers on the transaction date.   

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

Minimum Interest charge  N/A 
For Credit Card tips from 
the Consumer Financial 
Protection Bureau 
Fees 
Annual Fee 
Transaction Fees  
- Balance Transfers  
- Cash Advances  
- Foreign transactions 
Penalty Fees 
- Late Payment 
- Over the credit limit 
- Return payment 

None 

Up to $25.00  
N/A 
Up to $25.00 

None  
None 
1% of each transaction in U.S. dollars 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)." 
We take the beginning balance of your account each day and subtract any payments, credits, non-accruing fees, and unpaid finance charges and add any new 
purchases or cash advances.  We then add all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. 

Periodic Rate:  1.500%  (18.00%/12) 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is in items G & L of this agreement. 

Optional Fees:  
Optional Debt Protection   

Death Benefit  

Single - $0.86, Joint - $1.39 per $1000.00 of balance at the end of each statement period.     

Death and Disability:   

Single - $1.76, Joint - $3.09 per $1000.00 of balance at the end of each statement period   

Death, Disability and Involuntary Unemployment: 

Single - $2.47, Joint - $4.43 per $1000.00 of balance at the end of each statement period.    

Replacement card -  
Pay-by-phone -  
Statement copies - 

$10.00 
$10.00 Customer Service Representative assisted   
$  2.00 per statement    

Payment Address 

PO Box 672051 
Dallas, TX 75267-2021 

Other Information: Your minimum payment is 2% of your outstanding balance that does not exceed your credit limit, plus any amount exceeding your credit 
limit, or $20.00 whichever is greater. A statement will be mailed to you 25 days prior to the due date.  Your due date will be the same calendar date each 
month.  If the due date is on a weekend or holiday, the payment will not be treated as late if we receive your payment the next business day. Payment amounts 
exceeding the minimum payment will be applied first to the credit card balance with the highest interest rate. If you have other loans or credit extensions from 
U.S. Eagle Federal Credit Union, or take out other loans or credit extensions with U.S. Eagle in the future, collateral securing those loans or credit extensions 
will also secure your obligations under this agreement.  However, unless you expressly agree otherwise, your household goods and dwelling will not secure 
your obligations under this agreement even if U.S. Eagle has, or later acquires, a security interest in your household goods or a mortgage on your dwelling.  If 
you have executed a written agreement granting a security interest in any deposit accounts (checking, savings, or share accounts) or other funds held by U.S. 
Eagle to secure your obligations under this credit card plan, such accounts and/or funds are an additional security for your obligations to U.S. Eagle arising 
from  the  use  of  your  Card.    You  agree  to  pay  all  costs  incurred  by  U.S.  Eagle  in  collecting  your  indebtedness  or  in  enforcing  this  agreement,  including 
reasonable  attorney’s  fees  and  costs,  expenses  and  attorneys’ fees  incurred  in  appellate,  bankruptcy  and  post-judgment  proceedings,  except  to  the  extent 
such costs, fees or expenses are prohibited by law.  

Platinum Select Disclosure – REV 02.2015 

G-14325 

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TERMS GOVERNING THE USE OF YOUR CARD 

The person (“Cardholder”) whose name is embossed on the face of the U.S. Eagle Federal Credit Union VISA (“Card”) and each Cardholder, in the event more 
than  one  Card  is  produced  bearing  the  same  account  number,  by  signing  or  using  said  Card,  receipt  of  which  is  acknowledged,  agrees  with  U.S.  Eagle 
(“Issuer”) as follows: 
A.  Goods  and  services  (“Credit  Purchases”)  may  be  purchased  or  leased  by  means  of  such  card  by  Cardholder  from  any  retail  Business  establishment 
(“seller”) who honors same upon the execution of a sales transaction evidencing such Credit Purchases and bearing the account number of Card holder 
embossed  on  the  face  of  such  Card.  Additionally,  VISA  Cash  Advances  (“Loans”)  may  be  obtained  through  use  of  such  Card  (a)  upon  execution  of  a 
written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of VISA 
Inc. and (b) upon execution of a written separate agreement with issuer for a VISA overdraft financing agreement if offered by issuer. 

B.  Cardholder shall be liable and agrees to pay issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card 
unless the use of such Card is by a person other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) 
from  which  Cardholder  receives  no  benefit.  Additionally,  Cardholder  shall  be  jointly  and  severally  liable  and  agrees  to  pay  for  all  Credit  purchases  and 
Loans obtained through the use of any other Card bearing Cardholder’s account number that has been issued to another person by reason of such person 
being  a  member  of  Cardholder’s  family,  or  otherwise  issued  upon  Cardholder’s  request  (all  such  Cards  bearing  the  VISA  account  number  here  in  after 
collectively called (“Related Cards”). 

C.  Each Card is the property of the Issuer; it is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer 

or its designee, and the privileges thereof revoked, at any time without prior notice. 

D.  Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase Cardholder’s indebtedness to 

issuer to an amount in excess of the limit established by the Issuer. 

E.  All  Credit  Purchases  and  Loans  are  affected  at  the  option  of  the  Seller  and  Cash  Advancing  Financial  Institutions  respectively,  and  Issuer  shall  not  be 

responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Card or any Related Card. 

F.  Any  refund,  adjustment  or  credit  allowed  by  Seller  shall  not  be  by  cash  but  rather  a  credit  advice  to  Issuer,  which  shall  be  shown  as  a  credit  on 

G. 

H. 

I. 
J. 

Cardholder’s account statement with Issuer. 
Issuer will send to Cardholder a monthly statement reflecting for the prior monthly period all transactions. Such statement shall be deemed correct and 
accepted by Cardholder and all holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of the mailing of such statement. 
Cardholder  will  pay  such  statement  by  remitting  to  Issuer  by  the  payment  due  date  reflected  on  the  statement  either  the  full  amount  billed  or,  at 
Cardholder’s option, an installment equal to at least the required minimum payment. 
Interest on Loans and Credit Purchases will be charged by applying the periodic rate (APR/12) to the Average Daily Balance of the account.  The rate of 
interest may change but will never exceed the maximum rate of 18%.  
This agreement may be amended from time to time by Issuer with written notice mailed to Cardholder at Cardholder’s last known address. 
Except to the extent that Federal law is applicable, the validity, construction, and enforcement of this agreement and all matters arising out of the issuance 
and use of the Card shall be governed by the laws of the state in which the principal office of Issuer is located. 

K.  Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a 
document, request a replacement card or use your card for a  transaction at an automated teller machine, if such charges are  not prohibited by law or 
regulation. No finance charge will be assessed on such additional charges. 

L.   Cardholder may be liable for the unauthorized use of the Card or Related Cards as stated in item B of the these terms. The Cardholder may not be liable 

for any unauthorized use that occurs after the Issuer is notified, verbally or in writing at:  

Card Services 
P.O. Box 672051 
Dallas, TX 75267-2021 
Telephone number:  (800) 442-4757 

If Cardholder has a consumer account or a business account for which less than 10 cards have been issued, the Cardholder’s liability for unauthorized use 
of a card may not exceed $50.00.  If 10 or more cards are issued to employees of a single business or other organization, there is no limit to Cardholder’s 
liability for any unauthorized use that occurs before Cardholder notifies Issuer as provided herein: the business or organization may only impose liability on 
its employees for unauthorized use of a card as authorized by federal law and regulation. 

M.  Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. 
N.  Payments must be made to Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in any other currency, the charges will 
be converted into U.S. dollars. The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect 
at the time of the transaction.  Cardholder agrees to pay the converted amount to Issuer in U.S. dollars, plus any charges for conversion or processing that 
may be imposed. 
Issuer  may  accept  checks  marked  “Payment  in  Full”  or  with  words  of  similar  affect  without  losing  any  of  Issuer’s  rights  to  collect  the  full  balance  of 
Cardholder’s account. 
Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder’s credit application at the time, and in the course of doing so, 
Issuer may ask Cardholder for additional information, request credit bureau reports and/or otherwise verify Cardholder’s current credit standing. 

O. 

P. 

Q.  Cardholder  agrees  that  Issuer  may  re-release  information  to  others,  such  as  credit  bureaus,  regarding  the  status  and  history  of  Cardholder’s  account. 

However, Issuer is not obligated to release any such information to anyone unless Issuer is required by law to do so. 

R.  Cardholder agrees that Cardholder’s account shall be subject to all applicable rules and regulations of VISA Inc, as applicable, as well as all applicable laws. 
If there is any conflict between the provisions of this Agreement and the rules and regulations of VISA Inc. the rules and regulations of VISA Inc. shall 
control. 

S.  Your Visa Card may not be used for any illegal transaction(s), in the event the card is used for such purpose, the cardholder shall nonetheless be liable for 

T. 

any amounts incurred through such illegal use of the card.   
If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent or any 
attachment or garnishment proceedings are initiated against Cardholder or his property, Issuer may elect to declare all amounts then owed to Issuer to be 
immediately due and payable without notice or demand of any kind. 

U.  Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time the loan is made.  
V.  You must request all credit limit increases and will be required to meet qualifying criteria.    

Your Right to Reject Terms 
You have the right to reject the above terms.  If you reject these terms, we will close your account and you will have to pay off your balance at the terms of the 
credit card agreement in effect at the time of closure.  To reject the terms and close your account, please call us at 342-8888, toll free 888-342-8766 or write to 
us at U.S. Eagle, PO Box 129, Albuquerque, NM  87103. 

Platinum Select Disclosure – REV 02.2015 

G-14325 

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