Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.
Appears in 2 contracts
Samples: Visa Credit Card Agreement, Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: • You want to discontinue these Transactions; • Your Account is closed; • Your Account number changes; • Your Card expiration date changes. TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. (Convenience Checks do not earn CURewards points.) LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: • You are in default or we have suspended, terminated, or canceled your Account; • The Convenience Check is not in the form we have issued to you; • Your signature or the payee’s name or endorsement is missing on the Convenience Check or the Convenience Check appears altered; or • Your Convenience Check is post-dated. PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. RETURNED CONVENIENCE CHECK FEE: The Credit Union will charge you a Returned Convenience Check Fee of $30 per returned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to honor such Convenience Checks if, for example: • The amount of the Convenience Check would cause you to exceed your Cash Advance Credit Limit; • If you are in default; • If you did not comply with the instructions included with the Convenience Check; • If the Convenience Check appears altered or is missing information; • The Convenience Check was used by someone other than the person to whom the Convenience Check was sent; • The Card has expired or was revoked; • Your Account is closed or suspended; or • The Convenience Check was converted to an ACH transaction. STOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your Account. To stop payment on a Convenience Check, you must call us at (000) 000-0000 during regular business hours and provide us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment. The Credit Union will charge a Convenience Check Stop Payment Fee of $30 when you place a stop payment on a Convenience Check which will be billed to your Account. The fee will be $20 if made via ABIL Audio Response or Home Banking. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a stop payment request. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request request. MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.. LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if you believe that your Card, Account number, PIN, or any combination of the three has been lost or stolen by immediately calling us at (000) 000-0000 between
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. (Convenience Checks do not earn CURewards points.) LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. RETURNED CONVENIENCE CHECK FEE: The Credit Union will charge you a Returned Convenience Check Fee of $30 per returned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to honor such Convenience Checks if, for example: STOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your Account. To stop payment on a Convenience Check, you must call us at (000) 000-0000 during regular business hours and provide us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment. The Credit Union will charge a Convenience Check Stop Payment Fee of $30 when you place a stop payment on a Convenience Check which will be billed to your Account. The fee will be $20 if made via ABIL Audio Response or Home Banking. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a stop payment request. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request request. MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement. LOST OR STOLEN CARD, UNAUTHORIZED USE NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if INACTIVE ACCOUNT: If your Account does not have any activity for twelve (12) consecutive months, it will be considered an inactive account and your ability to take advances against your Credit Limit may be suspended. If your Account is inactive for twelve (12) consecutive months, we may close it. PERIODIC STATEMENTS: Your Card or other Account activity will be reflected on your monthly periodic statement (Statement). Your Statement will identify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, cash advance, credit, or other receipts cannot be returned with the Statement. You agree to retain the copy of such receipts furnished at the time of the transaction in order to reconcile your Statement. If you request a copy of any sales draft or similar document, a Document Fee may be imposed by us. This fee will not be imposed, however, if it was requested in connection with a billing error. Statements will be mailed or delivered electronically if you have agreed to receive notices from us in an electronic format only to the address of the person named first on the Account. ELIGIBLE FOR OVERDRAFT PROTECTION: Credit Card Accounts may be selected as an overdraft protection source. You will need to enroll the credit card Account as an overdraft protection source. What that means is we may clear any overdrafts from your Nuvision Credit Union checking account by an advance from your Account in the amount of the overdraft subject to the terms of this Agreement. If there are not sufficient funds available for overdraft protection, your items may be returned unpaid. All overdrafts are treated as Cash Advances. Your Account must be current and not over the Credit Limit for funds to transfer to your checking account. The checking account referred to herein is also subject to a separate agreement between you and us. Where the terms of any other agreement between you and us conflict with the terms of this Agreement, the terms of this Agreement will control. ASSIGNING THIS AGREEMENT: We may sell, transfer or assign this Agreement and your Account to a third party. We may do so at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement. ENFORCING THIS AGREEMENT: We will not lose our rights under this Agreement because we delay in enforcing them or fail to enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in effect. INTEGRATED DOCUMENT(S): You understand and agree that any separate sheet of paper, which is delivered together with this Agreement and incorporates this Agreement by reference, is an integrated part of this Agreement. Any future amendments to this Agreement will be labeled as such and will form an integrated part of this Agreement.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. (Convenience Checks do not earn CURewards points.) LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. RETURNED CONVENIENCE CHECK FEE: The Credit Union will charge you a Returned Convenience Check Fee of $30 per returned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to honor such Convenience Checks if, for example: STOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your Account. To stop payment on a Convenience Check, you must call us at (000) 000-0000 during regular business hours and provide us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment. The Credit Union will charge a Convenience Check Stop Payment Fee of $30 when you place a stop payment on a Convenience Check which will be billed to your Account. The fee will be $20 if made via ABIL Audio Response or Home Banking. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a stop payment request. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request request. MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement. LOST OR STOLEN CARD, UNAUTHORIZED USE NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if INACTIVE ACCOUNT: If your Account does not have any activity for twelve (12) consecutive months, it will be considered an inactive account and your ability to take advances against your Credit Limit may be suspended. If your Account is inactive for twelve (12) consecutive months, we may close it. PERIODIC STATEMENTS: Your Card or other Account activity will be reflected on your monthly periodic statement (Statement). Your Statement will identify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, cash advance, credit, or other receipts cannot be returned with the Statement. You agree to retain the copy of such receipts furnished at the time of the transaction in order to reconcile your Statement. If you request a copy of any sales draft or similar document, a Document Fee may be imposed by us. This fee will not be imposed, however, if it was requested in connection with a billing error. Statements will be mailed or delivered electronically if you have agreed to receive notices from us in an electronic format only to the address of the person named first on the Account. ASSIGNING THIS AGREEMENT: We may sell, transfer or assign this Agreement and your Account to a third party. We may do so at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement. ENFORCING THIS AGREEMENT: We will not lose our rights under this Agreement because we delay in enforcing them or fail to enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in effect. INTEGRATED DOCUMENT(S): You understand and agree that any separate sheet of paper, which is delivered together with this Agreement and incorporates this Agreement by reference, is an integrated part of this Agreement. Any future amendments to this Agreement will be labeled as such and will form an integrated part of this Agreement.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account account for recurring Transactionstransactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to timeaccount. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks convenience checks to purchase goods and services, to obtain cash up to the amount of your Credit Limitcredit limit, or to conduct Balance Transfers balance transfers up to the amount of your Credit Limitcredit limit. Use of Convenience Checks convenience checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit credit limit is considered a Cash Advance cash advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. LIMITATIONS: We are not required to honor a Convenience Check convenience check that will cause you to exceed your Credit Limitcredit limit. We will not pay a Convenience Check convenience check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks convenience checks posted to your Account account during the billing cycle. Convenience Checks checks paid by the Credit Union will not be returned to you with your periodic statement. RETURNED CONVENIENCE CHECK: The Credit Union may decline to honor such convenience checks if, for example: STOP PAYMENT: You may stop payment on a convenience check by notifying us in writing at the address shown on your monthly statement or by calling us at (000) 000-0000. If you call, you must confirm the request in writing within fourteen (14) days. A written stop payment order will remain in effect for six (6) months and then it will lapse unless renewed in writing. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.MISCELLANEOUS
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS You are responsible for reinstating any recurring authorized Transactions. CHECK USES: Visa Convenience Checks (including balance transfer Balance Transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will may not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Convenience Checks may be used only by the person(s) whose name(s) is/are printed on the check. You are responsible for all authorized use of Convenience Checks. You may not use Convenience Checks to make a payment on any other obligation you have with the Credit Union, including paying any amount that you owe us pursuant to this Agreement. Certain merchants may inform you of their intent to convert your Convenience Check payment to an electronic ACH debit. For mailed payments, this notification will be provided at the time you receive a bill. For payments made in person, this notification will be provided at the time payment is made. You understand and agree that Convenience Checks are ineligible for conversion to an ACH debit and if presented by a merchant to us for payment, we are required to reject and return the entry. Using Convenience Checks for payments to merchants who have notified you of their intent to convert your check to an ACH debit may result in merchant returned item fees and/or late charges. You further understand and agree that you may not attempt to authorize a one-time advance from your Account via ACH by providing check information (such as the routing, account and serial numbers) to a merchant or other payee in person, via the Internet or by telephone for the purpose of having such merchant or other payee electronically initiate a funds transfer. The Credit Union will not be liable for any fees you incur as a result of the Credit Union’s failure to honor a Convenience Check that is converted to an ACH debit. Your periodic statement will show you an itemization of the itemize Convenience Checks posted to your Account during the billing cycleBilling Period. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. STOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your Account. To stop payment on a Convenience Check, you must call us at 000-000-0000 during regular business hours and provide us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment. The Credit Union will charge a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check which will be billed to your Account. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including attorneys’ fees, damages or claims related to the Credit Union honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a stop payment request. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreementrequest.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. Convenience Checks do not earn Extra Awards points. LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. (Convenience Checks do not earn CURewards points.) LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. RETURNED CONVENIENCE CHECK FEE: The Credit Union will charge you a Returned Convenience Check Fee of $30 per returned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to honor such Convenience Checks if, for example: STOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your Account. To stop payment on a Convenience Check, you must call us at (000) 000-0000 during regular business hours and provide us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment. The Credit Union will charge a Convenience Check Stop Payment Fee of $30 when you place a stop payment on a Convenience Check which will be billed to your Account. The fee will be $20 if made via ABIL Audio Response or Home Banking. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a stop payment request. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request request. MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement. LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if you believe that your Card, Account number, PIN, or any combination of the three has been lost or stolen by immediately calling us at (000) 000-0000 between 9:00 a.m. and 4:00 p.m. PST, Monday through Friday, excluding holidays and weekends or after Credit Union hours at (888) 607- 4775/International Number 000-000-0000. Telephoning is the best way of keeping your possible losses down. You understand that your total liability to us will not exceed $50.00 for any Account and/or Card Transactions resulting from the loss, theft, or other unauthorized use of the Account and/or Card that occurs prior to the time you give notice to us. Your liability for unauthorized use may be lower in cases of Visa Card fraud in accordance with current Visa U.S.A., Inc. Operating Rules.
Appears in 1 contract
Samples: Visa Credit Card Agreement
Recurring Authorized Transactions. If you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: TERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access your Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the checks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge interest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. (Convenience Checks do not earn CURewards points.) LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not pay a Convenience Check if at the time that it is presented: PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your Account during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic statement. RETURNED CONVENIENCE CHECK FEE: The Credit Union will charge you a Returned Convenience Check Fee of $30 per returned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to STOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your Account. To stop payment on a Convenience Check, you must call us at (000) 000-0000 during regular business hours and provide us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment. The Credit Union will charge a Convenience Check Stop Payment Fee of $30 when you place a stop payment on a Convenience Check which will be billed to your Account. The fee will be $20 if made via ABIL Audio Response or Home Banking. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a stop payment request. SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves the right to revoke them at any time. You agree to return them at the Credit Union’s request request. MISCELLANEOUS PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement. LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if you believe that your Card, Account number, PIN, or any combination of the three has been lost or stolen by immediately calling us at (000) 000-0000 between 9:00 a.m. and 4:00 p.m. PST, Monday through Friday, excluding holidays and weekends or after Credit Union hours at (888) 607- 4775/International Number 000-000-0000. Telephoning is the best way of keeping your possible losses down. You understand that your total liability to us will not exceed $50.00 for any Account and/or Card Transactions resulting from the loss, theft, or other unauthorized use of the Account and/or Card that occurs prior to the time you give notice to us. Your liability for unauthorized use may be lower in cases of Visa Card fraud in accordance with current Visa U.S.A., Inc. Operating Rules.
Appears in 1 contract
Samples: Visa Credit Card Agreement
