M-108001
VISA® Platinum Line of Credit Agreement and Disclosure
Interest Rates and Interest Charges
Annual Percentage Rate
8.9% APR*
(APR) for Purchases &
Balance Transfers
Paying Interest
We will begin charging interest on Cash Advances and Balance Transfers
on the date of the transaction.
Your due date is at least 25 days after the close of each billing cycle.
We will not charge you any interest on purchases if you pay your entire
balance by the due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.50 per month.
For Credit Card Tips from the To learn more about factors to consider when applying for or using a
Consumer Financial
credit card, visit the website of the Consumer Financial Protection Bureau
Protection Bureau
at http://www.consumerfinancial.gov/learnmore.
Fees
Set-up and Maintenance Fees
• Annual Fee
• Account Set-up Fee
• Participation Fee
• Additional Card Fee
None
None
None
None
Transaction Fees
®
Platinum
of Credit Agreement and Disclosure
• Balance Transfer VISA
NoneLine
VISA®® Platinum
Line of Credit
Agreement and Disclosure
M-77937
• Cash Advance VISA Platinum
1% of
the of
Transaction
Amount and Disclosure
Line
Credit
Agreement
M-77937
®
• Foreign Transaction
None
Conversion
Rate
VISA PlatinumGRACE
Line ofMETHOD
Credit
Agreement
and Disclosure
M-77937
OF COMPUTING
ANNUAL
MINIMUM FINANCE
ANNUAL PERCENTAGE
PENALTY RATE
PERIOD
THE
BALANCE
FEE
CHARGE
RATE
GRACE
METHOD
OF
COMPUTING
ANNUAL
MINIMUM
FINANCE
ANNUAL
PERCENTAGE
M-77937
Penalty
Fees
PENALTY RATE
GRACE
METHOD
COMPUTING
ANNUAL
MINIMUM
FINANCE
ANNUAL
PERCENTAGE
PERIOD
THEOF
BALANCE
FEE
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RATE
8.9%
APR
12.9%
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(Periodic
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PENALTY RATE
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Average THE
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The
information
appearing
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is accurate
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09/10.
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may have
changed
after verification.
that date. To find
out what
have
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952-930-0700
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In this agreement the words “I”, “my”, “you” or “your” mean each person who applies for a VISA Credit Card or who uses the credit card or duplicates of said card. “We”, “us”
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will
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words
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or
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mean
each
person
who
applies
for
a
VISA
Credit
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or
who
uses
the
credit
card VISA
or duplicates
of said card. “We”, “us”
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costs,
SPCU
in
trying
collect
your
account
4.
periodic
payment
required
is the total New Balance
as shown
on incurred
your monthly
billing
statement
if the amount
is $10.00 orare
less.owed
If theonnew
balance
exceeds
without
penalty.
the
terms
and
conditions
of
this
VISA
Agreement.
5. enforcing
You
agree
to
pay
all
costs,
including
reasonable
attorney’s
fees
and
court
costs,
incurred
by
SPCU
in
trying
to
collect
any
amounts
which
are
owed
on
your
account
$10.00 the minimum periodic payment is 2% of that portion of the New Balance plus any amount past due. You may also repay any outstanding balance at any time,or in
5. You
You agree
agree
to pay
all and
costs,
reasonable
attorney’s
and courtnow
costs,orincurred
SPCU intotrying
amounts
whichindebtedness
are owed onwith
yourSPCU
account
enforcing
the
terms
this the
VISAproceeds
Agreement.
without
penalty.
6.
that
SPCU
has conditions
theincluding
right toofapply
of fees
any collateral
hereafterbypledged
SPCU to
to collect
secure any
payment
of other
to theor in
enforcing
terms
and
conditions
ofapply
this
VISA
Agreement.
payment
unpaid
event
ofproceeds
non-payment.
dwelling
will by
not
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thisofAgreement
if the
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union
has
6. You
agreeofthe
that
SPCU
has balance
theincluding
rightintothe
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of fees
anyYour
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orincurred
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other
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to the
5.
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pay
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and primary
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intoyour
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to
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onwith
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onright
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dwelling.
6. You
agree
that
has balance
the
tothe
the
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collateral
nowdwelling
or hereafter
pledged
SPCUobligations
to secure under
payment
other indebtedness
SPCU
to the
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ofthe
your
unpaid
event
ofproceeds
non-payment.
primary
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thisofAgreement
even if thewith
credit
union
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enforcing
terms
and
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ofapply
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payment
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unpaid
balance
the eventand
of non-payment.
Your which
primaryyou
dwelling
willornothereafter
secure your obligations
under union
this Agreement
evenofifall
theyour
credit
union has or
later
acquires
a mortgage
on the in
dwelling.
7. You
hereby
pledge
paid
payments
now
have
in the credit
to theindebtedness
extent
unpaid
6.
agree
that
SPCUallhas
theshares,
right todeposits
apply the proceeds
of thereon,
any collateral
now or
hereafter
pledged to may
SPCUhave
to secure
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with SPCU
to the
later
acquires
a CU.
mortgage
on
dwelling.
SP
SPCU to
balances
dueyour
case
ofthe
default
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apply
impress
a lienhave
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and
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shares,
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and
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and allhas or
7. You
hereby
pledge
allInpaid
shares,
and
payments
thereon,
which
you
now
ornothereafter
may
have
in the
credit
to the extent
unpaid
payment
of
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balance
in deposits
theyou
event
of non-payment.
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primary
dwelling
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secure
under union
this Agreement
ifall
theyour
credit
union
amount
due
on
and
to
apply
such
amounts
the
payment
ofyou
thenow
whether
notinrepayment
accelerated
by
accounts
7. You
hereby
allInaccount,
paid
shares,
deposits
and payments
thereon,
which
or hereafter
have
the
credit isunion
to the extent
allIRA
your
unpaid
SP
SPCU to
balances
duepledge
CU.
caseon
ofthe
default
you authorize
apply
or
impress
a unpaid
lienhave
on balances
any
and all
ofmay
youror
shares,
deposits
and
payments
to SPCU.
theofextent
of
any
andand
all
later
acquires
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mortgage
dwelling.
other qualified
excluded.
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SPCU to the
balances
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CU. Inaccount,
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of and
default
you
authorize
apply
or impress
lien on balances
any and all
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payments by
to SPCU.
the extent
any andand
all
amount
due
your
toare
apply
such amounts
payment
of thea unpaid
whether
not repayment
accelerated
IRA of
accounts
7. You hereby pledge all paid shares, deposits and payments thereon, which you now have or hereafter may have in the credit union to the extent of all your unpaid
amount
due on
your
account,
and to
apply
suchlimit
amounts
to theloan
payment of
the my
unpaid balances
whether Ioragree
not repayment
is accelerated
by SPCU.
IRAexceed
accounts
other
qualified
retirement
excluded.
8. Ibalances
understand
I will
be accounts
advised
ofare
my
under
when
is mailed
to exceed
credit limit.
I do
myand
credit
SPCU.
SP
due that
In case
of default
youcredit
authorize
CU tothis
apply orplan
impress
a liencard
on any
and alltoofme.
your shares,notdeposits
andthis
payments
to theIfextent
of any and
all
retirement
limit,
Iqualified
promise
toI pay
SPCU
the
amount
in
excess
of under
my credit
on
8. Iother
understand
that
will
be accounts
advised
ofare
myexcluded.
credit
limit
loan
plandemand.
when
cardbalances
is mailedwhether
to me. Ioragree
not to exceed
this credit limit.
If I do
myand
credit
amount
due on
your
account,
and
to
apply
such
amounts
tothis
thelimit
payment
of
the my
unpaid
not repayment
is accelerated
by SPCU.
IRAexceed
accounts
that
I pay
willthat
be accounts
advised
ofare
myany
credit
limit
this
loan on
plandemand.
my card
is mailed
to necessary
me. I agreetonot
to exceed
thisinterests
credit limit.
I do exceed
Iqualified
promise
to
SPCU
the amount
in
excess
of under
my credit
limit
other
retirement
excluded.
9. Ilimit,
18.
I understand
recognize
and
agree
I will
accept
other
conditions
established
bywhen
the credit
union
that are
protect
the best
of theIf credit
union my
andcredit
to
I promise
to payand
SPCU
thelaws
amount
in excess
of my credit
limit on demand.
comply
withand
Federal
regulations.
9. Ilimit,
18.
recognize
I will
accept
other
conditions
established
the credit
union
that are
protect
the best
of theIf credit
union my
andcredit
to
understand
thatagree
I willthat
beState
advised
ofand
myany
credit
limit
under this
loan planbywhen
my card
is mailed
to necessary
me. I agreetonot
to exceed
thisinterests
credit limit.
I do exceed
9. Icomply
110.
recognize
agree
that
I will
accept
other
established
byand
thedeclare
credit union
thatallare
necessary
to protect
the best interests
the credit
union
to
withand
Federal
and
State
laws
and any
regulations.
limit,
I promise
to
pay
SPCU
the
amount
in excess
ofterminate
my credit
limit
on demand.
I acknowledge
and
agree
that
the
credit
union
mayconditions
my
account
any and
amounts
thereunder
immediately
due andofpayable
under
anyand
of the
comply
with
Federal
and
State
laws
and
regulations.
following
conditions:
agree
theaccept
creditany
union
mayconditions
terminateestablished
my accountbyand
any and
amounts
thereunder
immediately
due andofpayable
under
anyand
of the
9. I acknowledge
110.
recognize andand
agree
thatthat
I will
other
thedeclare
credit union
thatallare
necessary
to protect
the best interests
the credit
union
to
10. following
I acknowledge
agree
that the
union
may worthiness.
terminate my account and declare any and all amounts thereunder immediately due and payable under any of the
conditions:
comply
with
Federal
and re-evaluation
State
lawscredit
andofregulations.
a. Upon
theand
adverse
my credit
following
conditions:
b. Upon
myand
failure
satisfy
terms
this
the termsand
anddeclare
conditions
established
by SPCU
and by VISA.
a.
the
adverse
ofunion
myofcredit
worthiness.
10. I acknowledge
agreetore-evaluation
that
thethe
credit
mayagreement
terminateand
my account
any and
all amounts
thereunder
immediately due and payable under any of the
c.
default
under
anytheother
or security
agreement
connectionestablished
with a transaction
a. Upon
the failure
adverseto
re-evaluation
of loan
myofcredit
worthiness.
b.
my
satisfy
terms
this
agreement
and theexecuted
terms andin conditions
by SPCUwith
and SPCU.
by VISA.
following
conditions:
d.
If I die.my default
b. Upon
failure to
satisfy
terms
of this
agreement
and theexecuted
terms andin conditions
by SPCUwith
and SPCU.
by VISA.
c.
under
anytheother
loan
or security
agreement
connectionestablished
with a transaction
a. Upon the adverse re-evaluation of my credit worthiness.
e.
option,
or at
the credit
union’s
if it has
good cause.
c.
Upon
default
under
any other
loanoption
or security
agreement
executed in connection with a transaction with SPCU.
d. At
If Imy
die.my
b. Upon my failure to satisfy the terms of this agreement and the terms and conditions established by SPCU and by VISA.
d. reserves
If Imy
die.option,
e.
At
or to
at the
credit
union’s
option if ittohas
good with
cause.
11. SPCU
right
amend
VISA
Agreement
comply
Federal in
orconnection
State laws or
to refuse
any request
for a VISA Cash advance or Credit Purchase at any
c. Upon mythedefault
under
anythis
other
loan
or security agreement
executed
with
a transaction
with SPCU.
e. At my option, or at the credit union’s option if it has good cause.
b.
c.
d.
e.
Upon my failure to satisfy the terms of this agreement and the terms and conditions established by SPCU and by VISA.
Upon my default under any other loan or security agreement executed in connection with a transaction with SPCU.
If I die.
At my option, or at the credit union’s option if it has good cause.
11. SPCU reserves the right to amend this VISA Agreement to comply with Federal or State laws or to refuse any request for a VISA Cash advance or Credit Purchase at any
time for any reason not prohibited by law or to terminate your account as permitted by paragraph 10. If this VISA Agreement is amended or your account is terminated by
SPCU, the credit union shall send you written notice of such amendment or termination. Any amendment or termination shall not affect your obligation to repay any
amounts due on your account, and any amendment shall be effective as to any existing account balance and all future transactions.
12. I understand that SPCU reserves the right to review my loan file and I hereby give my permission to and authorize the credit union to investigate and re-assess my credit
worthiness, and to make inquiries it deems necessary pertaining to my employment, credit standing, and financial responsibility from time to time.
13. I fully understand, acknowledge and agree that if my account becomes delinquent, past due, if I die, file bankruptcy, become insolvent, if I default on any other
indebtedness to the credit union, or the credit union feels it is insecure, my VISA Credit Card may be revoked unless the credit union determines that extenuating
circumstances have contributed to the delinquency. Under such circumstances, the credit union at it’s option, may approve my continued use of the VISA Credit Card.
14. I promise to pay any and all charges incurred by me or by any person whom I authorize to use the VISA Credit Card issued to me, and any fees or charges incurred in the
recovery of a credit card, retrieval of transaction data, or the collection of this account. You cannot disclaim responsibility by notifying us, but we will close the account
for new transactions if you so request and after return of all cards. Any person using the card is jointly responsible with you for charges he or she makes, but if that
person signs the card he or she becomes a party to this Agreement and is also jointly responsible for all charges on the account, including yours.
15. LIABILITY FOR UNAUTHORIZED USE. You may be liable for the unauthorized use of your card. You will not be liable for unauthorized use if you notify us, orally or in
1:36:17
of the loss, theft, or possible unauthorized use unless we reasonably determine, based upon substantial evidence, that you were grossly negligent or 1/4/07
fraudulent
in PM
handling your account or card. This limit on liability does not apply to ATM transactions or transactions using your Personal Identification Number (PIN) which are not
processed by VISA, or to commercial cards. If you are liable for unauthorized transactions, your liability will not exceed $50. You may notify us orally or in writing at:
55A_07 1 writing,
PSCU Service
Center,
Inc.Inc.
PSCU
Service
Center,
PO
31112
P.O. Box
Box 31216
Tampa,
FL33631
33631
Tampa, FL
1-800-654-7728
Cardholder
Services
1-800-654-7728 Cardholder
Services
1-800-449-7728
Lost/Stolen/Security
1-800-449-7728 Lost/Stolen/Security
16. This agreement, except where federal law applies, shall be governed by the laws of the State of Minnesota. If any term of this agreement is determined unenforceable, the
remaining terms will remain in effect.
MARRIED WISCONSIN RESIDENTS ONLY: No provision of any marital property agreement, unilateral statement or court order applying to martial property will adversely
affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement or court order, or has actual knowledge of the
provision.
Returns and Adjustments: Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by issuing a credit slip which will be
posted to your Account. If your credits and payments exceed what you owe us, we will apply this credit balance against future purchases and cash advances to your
account, or if this credit balance is $1.00 or more, we will refund it on your written request.
Foreign transactions: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars
will be at the (i) the wholesale market rate or (ii) the government-mandated rate, whichever is applicable, in effect one day prior to the processing date, increased by
one percent.
Refusal to Honor: We are not responsible for the refusal of anyone to honor your Card.
17. Effective April 2, 2005, the exchange rate for international transactions will be a rate selected by VISA from the range of rates available in wholesale currency markets,
which may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. SPCU reserves the right to pass
any fees associated with this change along to all VISA Cardholders.
STATEMENT
OF Document
BILLING RIGHTS
Your Billing Rights:
Keep This
For Future Use
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us as soon as possible on a separate sheet of paper at the address
listedTo
onDo
yourIf bill.
must
hear fromOn
youYour
no later
than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing
What
YouWe
Find
A Mistake
Statement
so will not preserve your rights.
If you think there is an error on your statement, write to us at:
In your letter, give us the following information:
PSCU Service Center, Inc.
and 31112
account number.
• Your name
PO Box
• The dollar
Tampa,
FL 33631
amount
of the suspected error.
• Describe
1-800-654-7728
Cardholder
Services
the error and explain,
if you can,
why you believe there is an error. If you need more information, describe the item you are not sure about.
1-800-449-7728 Lost/Stolen/Security
If you have authorized us to pay your credit card bill automatically from your Share Savings or Share Draft Checking Account, you can stop the payment on any amount you
think In
is wrong.
To stop payment,
your following
letter must reach
us three business days before the automatic payment is scheduled to occur.
your letter,
give us the
information:
Account
information:
Your nameAFTER
and account
number.
YOUR•RIGHTS
AND
OUR RESPONSIBILITIES
WE RECEIVE
YOUR WRITTEN NOTICE
• Dollar amount:The dollar amount of the suspected error.
We must acknowledge
yourofletter
withinIf30you
days,
unless
we have
error
bydescribe
then. Within
90 days,
we mustiseither
correct
error
explainitwhy
believe the bill
• Description
problem:
think
there
is ancorrected
error onthe
your
bill,
what
you believe
wrong
and the
why
youorbelieve
is awemistake.
is correct.
You
mustyour
contact
us:cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including
After we
receive
letter, we
• Within
afterapply
the any
error
appeared
your your
statement.
finance
charges,60
anddays
we can
unpaid
amountonagainst
credit limit. You do not have to pay any questioned amount while we are investigating, but you are still
• At
3 business
before
an inautomated
obligated to
payleast
the parts
of your days
bill that
are not
question. 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 [or electronically].You may call us, but if you do we are not required to investigate any
If we find potential
that we made
a mistake
on your
youtowill
have
to pay in
anyquestion.
finance charges related to the questioned amount. If we didn’t make a mistake, you may have to pay
errors
and you
maybill,
have
paynot
the
amount
the finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the
date itWhat
is due.Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling
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
us that youerror.
still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We
must tell anyone
we report
you to
the matter
hasletter,
been settled
between
when it finally
is. or explain to you why we believe the bill is correct.
2. Within
90 days
ofthat
receiving
your
we must
eitheruscorrect
the error
If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill is correct.
While we investigate whether or not there has been an error:
SPECIAL
RULE
FOR CREDIT
CARD PURCHASES
• We
cannot
try to collect
the amount in question, or report you as delinquent on that amount.
charge
in the
question
may
remain
on your
and with
we may
continue
tohave
charge
interest
that amount.
If you have• aThe
problem
with
quality of
goods
or services
thatstatement,
you purchased
a credit
card, you
triedyou
in good
faith on
to correct
the problem with the merchant, you
• While
not have
to pay
you are
fortothe
of your balance.
may not have
to payyou
the do
remaining
amount
duethe
on amount
the goodsinorquestion,
services. There
areresponsible
two limitations
thisremainder
right:
• We can apply any unpaid amount against your credit limit.
a. You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and
b. we
Thefinish
purchase
price
must have beenone
more
After
our
investigation,
ofthan
two$50.
things will happen:
If we made
a mistake:
You
have
pay the amount
in question
any interestfororthe
other
feesor
related
to that amount.
These•limitations
don’t
apply if we
ownwill
or not
operate
thetomerchant,
or if we mailed
you theor
advertisement
property
services.
• 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.
1/4/07 1:36:18 PM
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. Cash advances 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:
PSCU Service Center, Inc.
PO Box 31112
Tampa, FL 33631
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.