CREDIT CARD CARDHOLDER AGREEMENT AND DISCLOSURE … - macy statement pay credit card

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CREDIT CARD CARDHOLDER AGREEMENT
AND DISCLOSURE STATEMENT
The following terms and conditions governing credit cards constitute a mutually protective service
agreement (the "Agreement") between you and Travis Credit Union (The "Credit Union.") (Please read
the entire Agreement.) You have applied for a Visa? Credit Card with Travis Credit Union. If issued, the
extension of a Credit Card to you under this Agreement will be subject to the following terms, which
may be amended from time to time.
Having applied for this card, you have certified that all the information you provided was true and
correct. You understand that it is illegal to provide false information in order to obtain the card. By
using the card you affirm that you authorized Travis Credit Union to obtain your address from DMV and
waived address confidentiality rights that you may have under California Vehicle Code ?1808.21 and
comparable laws of other states. You further authorize the Credit Union to investigate your credit
standing when opening, renewing, or reviewing your Credit Card Account.
Changes in Terms
The Credit Union can change the terms of this Agreement, including the Annual Percentage Rate, by
giving you written notice 45 days prior to the effective date of the change. If you do not want the
changes to apply to your credit card account, you must notify us in writing within 15 days after the date
of your billing statement or within 15 days of the date a separate change of terms notice was mailed,
stating your non-acceptance of the terms and indicating your name, address and account number. Mail
it to Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696. If you notify us, your credit card will be
cancelled, but you can continue to pay off the balance under the old terms. If you do not notify us or if
you continue to use your card, the new terms, or new Annual Percentage Rate (APR), will apply to the
balance of your loan. Your notice of termination will not affect any unprocessed transactions that
occurred prior to your written notice of termination, for which you will be obligated.
Under certain circumstances the credit union can terminate your account without notice. Please refer
to the Credit Limit, Default-Lien-Acceleration and Termination sections of this agreement for additional
information.
Governing law
This Agreement is made in California and shall be governed by the laws of the State of California to the
extent that California Law is not inconsistent with controlling Federal Law. California's "Choice of Law
Rules" will not be applied if they would result in the application of non-California law. You agree by use
of this Service that you do hereby submit to the jurisdiction of the courts of California regarding Travis
Credit Union and that any conflict brought or filed with respect to use of this Service or concerning this
Agreement shall be brought in a court of competent jurisdiction in Solano County, California.
CCHDISC 02/18 Page 1 of 14
Using your Card
1. You consent to the terms of this Agreement by using your credit card. You continue to be bound for
all transactions resulting from the use of the card until you have given us written notice of
termination of your credit card account (the "account"). This termination will not affect any
unprocessed transactions that occurred prior to your written notice of termination, for which you
will be obligated.
2. If the Credit Union approves your application, each applicant will be issued the credit card applied
for and will be able to use the account. Each applicant will also be liable to repay the account under
the terms of this Agreement. Co-signers who do not have access to the account, are still liable for
the loan, and will acknowledge receipt of a copy of this Agreement as well as the separate "Notice of
Co-signer."
3. If you remove your name from a joint account on which a credit card was issued, you are still
obligated for any transaction that took place prior to you removing your name.
4. You are also obligated to repay any charges resulting from the use of the card by another person
with your permission, whether or not the person stays within the limits set by you.
5. Any persons who use the card are also obligated to repay the Credit Union for all charges incurred
because of their use of the card.
6. You remain bound to pay for charges under this Agreement even though another person has been
directed to pay the debt by agreement or court order such as a divorce decree.
7. To make a purchase or get a cash advance, present the card to a participating Credit Card plan
merchant, to us, or to another financial institution and; sign the sales or cash advance draft
imprinted with your card number. Keep a copy of the draft to verify your monthly statement.
8. Your Credit Card may also access designated Automatic Teller Machines (ATMs) showing the Credit
Card logo. The use of your Credit Card for ATM access is subject to additional ATM disclosure terms.
9. Foreign Transactions and Charges. Purchases and cash advances made in foreign currencies will be
billed in U.S. dollars. The conversion rate in U.S. dollars will be either at the government mandated
rate or a wholesale currency market rate determined by Visa? for the processing cycle in which the
transaction is processed.
The currency conversion rate used by Visa? on the processing date may differ from the rate that
would have been used on the purchase date or cardholder statement posting date. The Credit Union
has no control over the conversion rate. In addition to the conversion rate selected by Visa?, a
separate Visa International Service Assessment Fee of 1% is charged to the Credit Union and will
also appear as a separate line item on your statement.
10. Unlawful Activity. You agree not to use any financial service provided by Travis Credit Union,
including without limitation any credit cards, debit cards, loan transactions, or share checking or
savings accounts, for any illegal or unlawful purpose. Any illegal or unlawful use of Travis Credit
Union financial services by you may, at the option of the Credit Union, be deemed an event of
default or breach of contract with respect to the service(s) in question and your use of such
CCHDISC 02/18 Page 2 of 14
service(s) may be terminated or restricted. You and any co-signers or joint accountholders agree to
defend, indemnify and hold Travis Credit Union harmless from and against any and all claims, damages,
lawsuits, liabilities, losses, injuries and costs, including attorney's fees, arising out of, caused by, or
related to your unlawful or illegal use of Travis Credit Union financial services.
Internet gambling may be illegal or unlawful in the state, country or other jurisdiction in which you are
located or in which you perform a transaction or use a Travis Credit Union financial service, including a
debit card, or Visa? credit card. Display of a Visa?, or other payment logo by an online merchant does
not mean that Internet gambling transactions are lawful in the jurisdiction(s) in which you may be
located.
Illegal or unlawful use of Travis Credit Union financial services by you may also result in the suspension
or termination of your Travis Credit Union membership.
11. Transaction Limitations. For security reasons there are limits on the number and dollar amount of
transactions, transfers or withdrawals you can make with your card each month. This includes
credit, point-of-sale, ATM and other electronic transactions or transfers conducted using your card.
Credit Limit
1. If your application is accepted, the Credit Union will establish a credit limit for you. The amount will
be based on many factors including your ability to pay and your creditworthiness.
2. Your account will be an open-end or revolving credit account as long as your account is not in
default or terminated. This means that you can borrow the full amount of the credit limit, repay the
principal in full or part and borrow again up to your maximum credit limit as long as you continue to
be creditworthy.
3. The Credit Union has the right to terminate the account without advance notice. It will notify you in
writing of the reason for any such denial of credit. Among the reasons for refusing to advance you
credit are an adverse change in your credit worthiness, such as not making any or the minimum
required loan payments, a change in your employment status, your insolvency, bankruptcy, or
death.
4. Your credit limit will be reviewed periodically and you may be requested to provide current
information. Your borrowing limit may be increased or decreased at any time. You can apply for an
increase in your credit limit at any time.
5. Payments received will be applied against the amount owed, and your loan balance reduced
accordingly. However, in certain instances, the payment amount may not be immediately applied to
the available credit on your account.
Repayment Terms
1. You promise to pay to the Credit Union at the address designated on your statement all sums
advanced to you under this agreement at any time plus a Finance Charge, if applicable.
2. The minimum required monthly payment is the greater of 2% of the new balance shown on your
current statement or $20.00, plus any past due minimum required payment and any amount that
CCHDISC 02/18 Page 3 of 14


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