Card Purchases. You may use the Card to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You may use your Card to make purchases using your PIN at any merchant with a POS device anywhere that displays the Mastercard, Interlink, Maestro, or Cirrus acceptance marks. You may also use your Card to make purchases without your PIN anywhere that Mastercard debit cards are accepted. You may purchase up to $1,000 worth of goods or services each day using your Card in our POS transfer service. Split Tender and Card-Not-Present Transactions You can instruct a merchant to charge your Card for part of a purchase and pay any remaining amount with cash or another card. This is called a “split transaction.” Some merchants do not permit split transactions. If you wish to conduct a split transaction, you must tell the merchant the exact amount you would like charged to your Card. If you fail to inform the merchant you would like to complete a split transaction and you do not have sufficient available funds in your Account to cover the entire purchase amount, your Card may be declined or may pull funds from your Linked Account. You may make retail card purchases without presenting your Card by providing information from your Card, such as in transactions done by internet or telephone. Conducting transactions in this way has the same legal effect as if you used the plastic Card itself. For security reasons, the amount or number of such transactions you may make may be limited. You agree not to use your Card for illegal purposes. Display of a payment card logo by an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Authorization Holds When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a “hold” is placed on your Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, even if you fail to make the purchase. When this happens, our processing system cannot determine tha...
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: (a) 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); (b) 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; (c) 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 Summit Federal Credit Union Canal Ponds Business Park 000 Xxxxxx Xxxxx Xxxxxxxxx, XX 00000-0000
Card Purchases. You may use your Card to purchase goods and services from merchants that accept Debit Mastercard® as a method of payment.
