Common use of Credit Line Clause in Contracts

Credit Line. We have established a self-replenishing line of credit for you and have notified you of the amount (“credit limit”). That notification is incorporated as part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, or may, with good cause, revoke your Card and terminate this Agreement. In any event, we will give you written or electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES arising from authorized use of your Card. The Card remains our property and you must recover and surrender to us each Card upon our request or upon termination of this Agreement.

Credit Line. We have When we approved your application, we established a self-replenishing line of credit for you and have notified you of the amount thereof (“credit limit”). That notification is incorporated as part of this Agreement. You agree not to let your Account balance Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized the advance(s) which caused you to exceed your credit line. Each Unless you are in default, each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your request an increase in the credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 monthsby a written application, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration datewhich must be approved by us. We may reduce your credit increase or decrease the limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, time or may, with good cause, revoke your Card and terminate this Agreement. In any ; in either event, we will give you written or electronic notice of such action. “Good causeCause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation reevaluation of your creditworthinessCredit worthiness; in either event, we will give you written notice of such action. HoweverIn the event your account is cancelled or revoked due to default, you the balance at the time of default may be transferred in-house with the Credit Union and billed in accordance with applicable law. You may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES FINANCE CHARGE thereon arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.

Credit Line. We have established a self-replenishing line of line-of-credit for you and have notified you of the amount thereof (“credit limit”)) by letter. That notification letter is hereby incorporated herein as part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of line-of-credit loan for 18 months, eighteen (18) months we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreementagreement, or may, with good cause, revoke your Card and terminate this Agreement. In ; in any event, we will give you written or electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement Agreement, or our adverse re-evaluation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST FINANCE CHARGES thereon arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.

Credit Line. We have When we approved your application, we established a self-replenishing line of credit for you and have notified you of the amount thereof (“credit limit”)) in the document your Card/s were attached to. That notification document is hereby incorporated herein as part of this Agreement. You agree not to let your Account balance Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized the advance(s) which caused you to exceed your credit line. Each Unless you are in default, each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your request an increase in the credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 monthsby a written application, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration datewhich must be approved by us. We may reduce your credit increase or decrease the limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, time or may, with good cause, revoke your Card and terminate this Agreement. In any ; in either event, we will give you written or electronic notice of such action. “Good causeCause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation reevaluation of your creditworthiness; in either event, we will give you written notice of such action. HoweverIn the event your Account is cancelled or revoked due to default, the balance at the time of default may be transferred in-house with the Credit Union and, as a consequence thereof, be separately billed as an in house arrangement or included within any other open-end credit plan you have with us, with collection to be at the same rate and under the same terms and conditions as provided for in this Agreement. You may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES FINANCE CHARGE thereon arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.

Credit Line. If We have established approve Your application, We will establish a self-replenishing line Credit Line (Credit Line shall be synonymous with the term Credit Limit) for You and notify You of credit for you and have notified you of its amount when We issue the amount (“credit limit”). That notification is incorporated as part of this AgreementCard. You agree not to let your the Account balance exceed such amountthis approved Credit Line. Each payment you You make on the Account will replenish your credit limit restore Your Credit Line by the part amount of that the payment which is applied to principal. You agree that we may delay replenishing your request an increase in Your Credit Line only by written application to Us or via our authorized online application site, which must be approved by Our credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit committee or loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration dateofficer. We may reduce your credit limit may, from time to time, change increase the rate in accordance with the conditions amount of the cardholder information section of the Agreement, or mayyour Credit Line, with good cause, revoke your Card and terminate this Agreementor without a request by You. In any event, we will give you written or electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation of your creditworthiness. However, you may terminate this AgreementWe may, at any time and for any reasonreason not prohibited by law, by giving us written noticereduce Your Credit Line, refuse to make an advance or revoke Your Card and terminate this Agreement. NeverthelessWe may always reduce Your Credit Line, refuse to make an advance or revoke Your Card and ter- minate this Agreement if: You have failed to comply with this Agreement; You have made false or misleading statements in any document with Us; We reevaluate Your creditworthiness and determine that You are no longer as qualified; or We have reason to believe Our ability to collect has been degraded. You may also terminate this Agreement at any time, but termination by you either You or by us Us does not affect your Your obligation to pay the Account Balance, plus Interest Charges and other charges. You are also responsible for all debts charges made after the termination of Your account unless, they are unauthorized charges as described in this Agreement .The Cards remain Our property, and INTEREST CHARGES arising from authorized use of your Card. The Card remains our property and you You must recover and surrender to us each Card Us all Cards upon our Our request or and upon termination of this Agreement. We have the right to demand payment immediately upon termination of the entire Balance owed if the account is terminated. We may change Your Credit Line from time to time. If You attempt a transaction which results in Your total outstanding balance (plus autho- rizations) exceeding Your Credit Line, We may: 1) permit the transaction without raising Your Credit Line; 2) permit the transaction and treat the amount of the transaction that is more than the Credit Line as immediately due; or 3) refuse to permit the transaction. ANY FEE WILL REDUCE YOUR AVAILABLE CREDIT LINE.

Credit Line. We have established a self-replenishing line of credit for you and have notified you of the amount (“credit limit”). That notification is incorporated as part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, or may, with good cause, revoke your Card and terminate this Agreement. In any event, we will give you written or electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement or our adverse re-re- evaluation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES arising from authorized use of your Card. The Card remains our property and you must recover and surrender to us each Card upon our request or upon termination of this Agreement.

Credit Line. We have established a self-replenishing line of credit for you and have notified you of the amount thereof (“credit limit”)) by letter. That notification letter is incorporated as part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, or may, with good cause, revoke your Card and terminate this Agreement. In any event, we will give you written or electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written you our decision. At that point, if we think you owe an amount and Federally insured notice. Nevertheless, termination by you or by us does not affect you do not pay, we may report you as delinquent. account becomes delinquent 60 days. by NCUA X044R your obligation to pay all debts and INTEREST FINANCE CHARGES arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.

Credit Line. We have established If we approve your application, we will establish a self-self- replenishing line Line of credit Credit for you and have notified notify you of its amount when we issue the amount (“credit limit”). That notification is incorporated as part of this Agreementcard. You agree not to let your Account the account balance exceed such amountthis approved Credit Line. Each payment you make on the Account account will replenish restore your credit limit Credit Line by the part amount of that the payment which is applied to principalprinciple. Payments by check to your account will be credited and applied to the balance owed on the account at the time the payment is received. Although credited for the payment, the available balance on the account will not increase until three calendar days from the date of the payment. You agree that we may delay replenishing request an increase in your credit limit until we confirm the payment has clearedCredit Line only by written application to us, which must be approved by our Credit Committee or loan officer. If By giving you have not used your Platinum Plus Visa written notice our Credit Card line of credit loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We Committee may reduce your credit limit Credit Line from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, ; or may, with good cause, revoke your Card card and terminate this Agreement. In any event, we will give you written or electronic notice of such action. “Good cause” cause includes your failure to satisfy the terms of comply with this Agreement Agreement, or our adverse re-evaluation reevaluation of your creditworthinesscredit-worthiness. However, you You may also terminate this Agreement, Agreement at any time and for any reasontime, by giving us written notice. Nevertheless, but termination by you or by either of us does not affect your obligation to pay all debts and INTEREST CHARGES arising from authorized use of your Cardthe account balance. The Card remains cards remain our property and you must recover and surrender to us each Card all cards upon our request or and upon termination of this Agreement. After revocations and/or termination, we may list your account number in a “Cancellation Bulletin”, or otherwise inform firms honoring the card that the card issued to you has been revoked or cancelled. Any firm honoring the card has the right to retain or request surrender of any revoked, cancelled or expired card.

Credit Line. We have established If we approve your application, we will establish a self-replenishing line of credit for you and have notified will notify you of the amount thereof (“credit limit”)) a letter that will be delivered to you separate from card. That notification letter is hereby incorporated herein as part of this Agreement. You agree not to let your Account balance Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized the advance(s) which caused you to exceed your credit line. Each Unless you are in default, each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your request an increase in the credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 monthsby a written application, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration datewhich must be approved by us. We may reduce your credit increase or decrease the limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, time or may, with good cause, revoke your Card and terminate this Agreement. In any ; in either event, we will give you written or electronic notice of such action. “Good causeCause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation reevaluation of your creditworthinessCredit worthiness; in either event, we will give you written notice of such action. In the event your account is cancelled or revoked due to default, the balance at the time of default may be transferred in-house with the Credit Union. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES FINANCE CHARGE thereon arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.

Credit Line. If We have established approve Your application, We will establish a self-replenishing line Line of credit Credit for you You and have notified you notify You of its amount when We issue the amount (card “credit limitCredit Line”). That notification is incorporated as part of this Agreement. You agree not to let your Account the account balance exceed such amountthis approved Credit Line. If a transaction(s) is requested on Your Account that exceeds Your Credit Line, We may, at Our sole discretion, allow the transaction(s) – without increasing Your Credit Line, OR deny the transaction(s). If We allow the transaction(s) We may treat the amount exceeding Your Credit Line as immediately due and add it to Your “minimum Payment” (as that amount is defined below) on Your next statement. If You exceed Your Credit Line, You will still remain liable for all credit You receive under the Account. Each payment you You make on the Account account will replenish your credit limit by the part of that payment which is applied to principalrestore Your Credit Line provided You have not exceeded Your approved Credit Line. You agree that we may delay replenishing your credit limit until we confirm the payment has clearedrequest an increase in Your Credit Line by written application, or telephone call to Us at 000-000-0000, which must be approved by Us. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 monthsBy giving You written notice, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit limit Your Credit Line from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, or mayor, with good cause, revoke your Card Your card and terminate this Agreement. In Upon revocation of Your card any event, we will give you written or electronic notice of such actionoutstanding balance and finance charge shall immediately become due and payable. “Good cause” cause includes your Your failure to satisfy the terms of this Agreement or our adverse re-evaluation of your creditworthiness. However, you may terminate comply with this Agreement, Our adverse reevaluation of Your creditworthiness or Your use of this card in furtherance of any purpose deemed to be illegal under state or federal law. You may also terminate this Agreement at any time and for any reasontime, by giving us written notice. Nevertheless, but termination by you or by us either of Us does not affect your Your obligation to pay all debts the account balance and INTEREST CHARGES finance charge arising from authorized use of your Cardthe card. The Card remains our cards remain Our property and you You must recover and surrender to us each Card Us all cards upon our Our request or and upon termination of this the Agreement.

Credit Line. If We have established approve Your application, We will establish a self-replenishing line Credit Line (Credit Line shall be synonymous with the term Credit Limit) for You and notify You of credit for you and have notified you of its amount when We issue the amount (“credit limit”). That notification is incorporated as part of this AgreementCard. You agree not to let your the Account balance exceed such amountthis approved Credit Line. Each payment you You make on the Account will replenish your credit limit restore Your Credit Line by the part amount of that the payment which is applied to principal. You agree that we may delay replenishing your request an increase in Your Credit Line only by written application to Us, which must be approved by Our credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit committee or loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration dateofficer. We may reduce your credit limit from time to time, change increase the rate in accordance with the conditions amount of the cardholder information section of the Agreement, or mayyour Credit Line, with good cause, revoke your Card and terminate this Agreementor without a request by You. In any event, we will give you written or electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation of your creditworthiness. However, you may terminate this AgreementWe may, at any time and for any reasonreason not prohibited by law, by giving us written noticereduce Your Credit Line, refuse to make an advance or revoke Your Card and terminate this Agreement. NeverthelessWe may always reduce Your Credit Line, refuse to make an advance or revoke Your Card and terminate this Agreement if: You have failed to comply with this Agreement; You have made false or misleading statements in any document with Us; We reevaluate Your creditworthiness and determine that You are no longer as qualified; or We have reason to believe Our ability to collect has been degraded. You may also terminate this Agreement at any time, but termination by you either You or by us Us does not affect your Your obligation to pay the Account Balance, plus Interest Charges and other charges. You are also responsible for all debts charges made after the termination of Your account unless, they are unauthorized charges as described in this Agreement .The Cards remain Our property, and INTEREST CHARGES arising from authorized use of your Card. The Card remains our property and you You must recover and surrender to us each Card Us all Cards upon our Our request or and upon termination of this Agreement. We have the right to demand payment immediately upon termination of the entire Balance owed if the account is terminated. We may change Your Credit Line from time to time. If You attempt a transaction which results in Your total outstanding balance (plus authorizations) exceeding Your Credit Line, We may: 1) permit the transaction without raising Your Credit Line; 2) permit the transaction and treat the amount of the transaction that is more than the Credit Line as immediately due; or 3) refuse to permit the transaction. ANY FEE WILL REDUCE YOUR AVAILABLE CREDIT LINE.

Credit Line. We have established a self-replenishing line of credit for you and have notified you of the amount (“credit limit”). That notification is incorporated as part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 months, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, or may, with good cause, revoke your Card and terminate this Agreement. In any event, we will give you written or writtenor electronic notice of such action. “Good cause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation eva luation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES arising from authorized use of your Card. The Card remains our property and you must recover and surrender to us each Card upon our request or upon termination of this Agreement.

Credit Line. We have When we approved your application, we established a self-replenishing line of credit for you and have notified you of the amount thereof (“credit limit”)) in the document your Card/s were attached to. That notification document is hereby incorporated herein as part of this Agreement. You agree not to let your Account balance Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized the advance(s) which caused you to exceed your credit line. Each Unless you are in default, each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your request an increase in the credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 monthsby a written application, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration datewhich must be approved by us. We may reduce your credit increase or decrease the limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, time or may, with good cause, revoke your Card and terminate this Agreement. In any ; in either event, we will give you written or electronic notice of such action. “Good causeCause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation reevaluation of your creditworthiness; in either event, we will give you written notice of such action. HoweverIn the event your Account is cancelled or revoked due to default, the balance at the time of default may be transferred in-house with the Credit Union and, as a consequence thereof, be separately billed as an in-house arrangement or included within any other open-end credit plan you have with us, with collection to be at the same rate and under the same terms and conditions as provided for in this Agreement. You may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES FINANCE CHARGE(S) thereon arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.

Credit Line. We have When we approved your application, we established a self-replenishing line of credit for you and have notified you of the amount thereof (“credit limit”)) in the document your Card(s) were attached to and the approval letter provided to you. That notification is Those items are hereby incorporated herein as part of this Agreement. You agree not to let your Account balance Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized the advance(s) which caused you to exceed your credit line. Each Unless you are in default, each payment you make on the Account will replenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your request an increase in the credit limit until we confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 monthsby a written application, we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Plus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration datewhich must be approved by us. We may reduce your credit increase or decrease the limit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, time or may, with good cause, revoke your Card and terminate this Agreement. In any ; in either event, we will give you written or electronic notice of such action. “Good causeCause” includes your failure to satisfy the terms of this Agreement or our adverse re-evaluation reevaluation of your creditworthiness; in either event, we will give you written notice of such action. HoweverIn the event your Account is cancelled or revoked due to default, the balance at the time of default may be transferred in-house with the Credit Union and, as a consequence thereof, be separately billed as an in house arrangement or included within any other open-end credit plan you have with us, with collection to be at the same rate and under the same terms and conditions as provided for in this Agreement. You may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES FINANCE CHARGE thereon arising from authorized use of your Card. The Card remains Cards remain our property and you must recover and surrender to us each Card all Cards upon our request or upon termination of this Agreement.