AGREEMENT AND DISCLOSUREVisa® Credit Card Agreement • July 31st, 2023
Balance Computation Method. We figure the interest charge on your account by applying the periodic rate to the "average daily balance" of your account. To get the "average daily balance" we take the beginning balance of your account each day, add any new purchases, advances and fees, and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."
AGREEMENT AND DISCLOSUREVisa Credit Card Agreement • October 19th, 2017
Balance Computation Method. We figure the interest charge on your account by applying the periodic rate to the "average daily balance" of your account. To get the "average daily balance" we take the beginning balance of your account each day, add any new purchases, advances and fees, and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."
NUVISION FEDERAL CREDIT UNION SHARE SECURED NON-VARIABLE RATE VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • December 22nd, 2023
This Visa Credit Card Agreement (“Agreement”) is your contract with us. The Pricing Information Table below is a part of this Agreement and shows important information about your Account, such as your Annual Percentage Rate and certain fees. Any amendments to this Agreement are also part of this Agreement. Please read all parts of this Agreement and keep it for your records.
VISA CREDIT CARD AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE STATEMENTVisa Credit Card Agreement • May 14th, 2020
IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS COLUMBIA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
SERVING OUR COMMUNITIESVisa Credit Card Agreement • August 21st, 2023
This Agreement establishes the terms and conditions of your Visa Credit Card Agreement with the Credit Union. In this Agreement, the words “you” and “your” mean any person who signs this Agreement or who uses any card or other access device that may be issued in connection with this Agreement “Card” means the Visa credit card and any duplicates and renewals the Credit Union issues. “Account” means your Visa credit card account with the Credit Union. “Credit Union,” “we,” “us,” and “our” mean the Credit Union. You must be a member of the Credit Union to apply for a credit card.
ContractVisa Credit Card Agreement • February 13th, 2024
IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT AS A BORROWER/OWNER OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ARIZONA FINANCIAL CREDIT UNION OR ITS SUCCESSORS. "ACCOUNT" MEANS THE CREDIT CARD ACCOUNT. "AUTHORIZED USER" MEANS ANY PERSON WHO HAS AUTHORITY, OR WHO ANY BORROWER/OWNER HAS GIVEN INFORMATION, ACCESS, DEVICE, OR DOCUMENTATION THAT ENABLES A PERSON TO ACCESS, WITHDRAW, MAKE TRANSACTIONS, OR USE YOUR CARD.
VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • December 10th, 2021
IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS FRONTWAVE CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • April 4th, 2022 • Florida
In this Agreement the words "you" and "your" mean each and all of those who agree to be bound by this Agreement; "Card" means the VISA credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "Account" means your VISA credit card line of credit account with the Credit Union, and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.
VISA PLATINUM PREFERRED, VISA PLATINUM PREFERRED REWARDS, and VISA SIGNATURE CREDIT CARD AGREEMENTVisa Credit Card Agreement • August 19th, 2023
Use of your ACCOUNT or the CARD by you or anyone else whom you authorize or permit to use your ACCOUNT or CARD, means you accept this Agreement. In this Agreement, the words you and your mean each and all of those who apply for the CARD, or who use the ACCOUNT or CARD. CARD means the VISA credit card and any duplicates and renewals we issue. ACCOUNT means your VISA Credit Card line of credit account with us. We, us, our, and Credit Union means Credit Union of Colorado, A Federal Credit Union.
REDBRAND CREDIT UNION VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • September 4th, 2012 • Illinois
In this Agreement the words “we”, “us”, “our” and “Credit Union” refer to the credit union named above; the words “you” and “your” mean each and all of those who agree to be bound by this Agreement. In addition, this agreement will be binding on your personal and legal representatives. “Card” means the VISA credit card and any duplicates, renewals, or substitutions the Credit Union issues; “Account” means your VISA credit card line of credit account with the Credit Union.
Pledged Share Account(s) # (Share Secured Visa)Visa Credit Card Agreement • March 27th, 2019
In this Agreement and Disclosure (“Agreement”) the words, “you” and “your,” mean each and all of those who apply for or otherwise are responsible for the VISA card account issued by Securityplus Federal Credit Union. “Card” means the VISA card issued by Securityplus Federal Credit Union and any duplicates, additional cards and renewals we issue, as well as other access devices, such as convenience checks and Account numbers, that we give you to access your Account. “We”, “us” and “our” mean Securityplus Federal Credit Union. This Agreement contains the terms and disclosures that apply to your VISA Credit Card Account (“Account”) with us. By applying for or using the Card, you agree to the terms of this Agreement and that we may provide your personal data to VISA U.S.A., its members or their agents for the purpose of providing emergency cash and emergency credit card replacement services.
ContractVisa Credit Card Agreement • March 6th, 2024 • Arizona
ContractVisa Credit Card Agreement • January 27th, 2016 • Arizona
VISA CREDIT CARD AGREEMENT AND FED- ERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTVisa Credit Card Agreement • October 31st, 2019 • Massachusetts
words “I,” “me,” “mine,” “my,” “us,” “they,” “their,” and “our” mean each and all of those who apply for or use a Digital Federal Credit Union (DCU) Visa Card(s) whether Prime Owner, Co-Borrower, or other authorized user. The words “you,” “your,” and “yours” mean DCU. “Card” means Visa Platinum, or Visa Platinum Rewards issued to me and any duplicates you may issue. “Account” means my Visa Credit Card Account with you. “Statement” means my Visa Monthly Statement of activity and payment information. "Letter" means the Visa Credit Card Approval Letter that is sent once a Visa is approved and is incorporated herein by reference. This account is subject to the Visa Additional Federal Disclosure Table & Schedule of Fees and Service Charges also incorporated herein by reference. I agree to its terms and conditions as well as the following terms and conditions and any amendments thereto, by requesting and receiving, signing, using, or permitting others to use the Visa Card(s) and/or Account i
ContractVisa Credit Card Agreement • July 1st, 2021
In this Agreement and Disclosure (“Agreement”) the words, “you” and “your,” mean each and all of those who apply for or otherwise are responsible for the VISA card account issued by Securityplus Federal Credit Union. “Card” means the VISA card issued by Securityplus Federal Credit Union and any duplicates, additional cards and renewals we issue, as well as other access devices, such as convenience checks and Account numbers, that we give you to access your Account. “We”, “us” and “our” mean Securityplus Federal Credit Union. This Agreement contains the terms and disclosures that apply to your VISA Credit Card Account (“Account”) with us. By applying for or using the Card, you agree to the terms of this Agreement and that we may provide your personal data to VISA U.S.A., its members or their agents for the purpose of providing emergency cash and emergency credit card replacement services.
Downeast Credit Union Visa Credit Card AgreementVisa Credit Card Agreement • July 14th, 2023
In this Agreement, the words you and your mean each and all of those who apply for the card, sign the application, or use the card. Card means a Visa® credit card and any duplicates and renewals we issue. Account means the Visa Credit Card Line of Credit with us. We, us, and ours mean this Credit Union.
Winthrop Area Federal Credit Union Visa Credit Card AgreementVisa Credit Card Agreement • January 17th, 2012
In this Agreement, the words you and your mean each and all of those who apply for the card, sign the application, or use the card. Card means a Visa® credit card and any duplicates and renewals we issue. Account means the Visa Credit Card Line of Credit with us.
ContractVisa Credit Card Agreement • January 15th, 2021
This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your VISA Credit Card and account issued by America First Credit Union. In the agreement, the words “you,” “your,” “yours,” “applicant,” and “borrowers” means any person who signs or uses any Card or PIN issued on this account, including, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words “we,” “us,” “our,” and “Lender” mean America First Credit Union. The word “Card” means any one or more credit cards issued under the Credit Union’s VISA Card programs. Except as specifically indicated, all terms and conditions in this Agreement will apply to the VISA Credit Card issued to you. By signing or using any Card or PIN, or allowing others to use the Card or PIN, you and they will have accepted this Agreement including the Rate & Fee Disclosure accompanying this Agreement, which is incorporated herein. Just as if you and they s
NuvisioN FEDERAL CREDiT uNioN visA CREDiT CARD AGREEMENT AND FEDERAL TRuTH-iN- LENDiNG DisCLosuRE sTATEMENTVisa Credit Card Agreement • November 14th, 2016
In this Agreement and Disclosure Statement the words “you” and “your” mean each and all of those who apply for or use the Nuvision Federal Credit Union Visa® Card and/or Visa Account. “Card” means the VISA Credit Card and any duplicates and renewals the Credit Union issues to you. “Account” means your VISA Credit Card Account with the Credit Union. The terms “we”, “us”, “our” and “Credit Union” mean Nuvision Federal Credit Union d/b/a Nuvision Credit Union.
VISA CREDIT CARD AGREEMENT ADDENDUM TO SINGLE SIGNATURE LENDING PLANVisa Credit Card Agreement • October 2nd, 2017
Thank you for opening a Visa Credit Card sub-account under your Single Signature Lending Plan ("Plan"). This Visa Credit Card Agreement is an addendum to your Plan and is hereby incorporated into and becomes a part of your Plan. Purchases or transactions made on your Card will be subject to the terms of your Plan, this agreement, and your Truth in Lending Disclosure. Please keep this agreement and your Truth in Lending Disclosure with your Plan
VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • February 29th, 2024 • Oregon
This VISA Credit Card Agreement (Agreement) and the Account Disclosures given to you when you opened your Card account (“Account”) will govern your VISA Credit Card Account issued by United Trades Federal Credit Union. In this Agreement the words you and your mean each and all of those who apply for or use the Card. Card means the VISA Credit Card and any duplicates and renewals we issue. Account means your VISA Credit Card Line of Credit account with us. We, us and our means United Trades Federal Credit Union. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account.
Visa Signature Credit Card AgreementVisa Credit Card Agreement • January 13th, 2021 • Oregon
Central Maine Federal Credit Union Visa Credit Card AgreementVisa Credit Card Agreement • November 5th, 2010
In this Agreement, the words you and your mean each and all of those who apply for the card, sign the application, or use the card. Card means a Visa® credit card and any duplicates and renewals we issue. Account means the Visa Credit Card Line of Credit with us. We, us, and ours mean this Credit Union.
VISA® CREDIT CARD AGREEMENT FOR CONSUMERSVisa Credit Card Agreement • October 12th, 2022
If you have questions regarding this Visa Credit Card Agreement or your Visa Credit Card Account (including questions regarding transactions or charges appearing on your Statement, billing error inquiries, or reports of lost or stolen cards), you may contact us using any of the methods below.
Visa Credit Card Agreement and Truth-in-Lending Disclosure StatementVisa Credit Card Agreement • July 18th, 2013
In this agreement (called the “Agreement”), the words “you” and “your” mean or refer to each and all persons who have applied for the Card or Cards. “Card” means the Visa Credit Card or Cards, any duplicates and renewals thereof, or substitutions therefore we may issue. “Account” means your Visa Credit Card line-of-credit loan account with us. “We,”“us” and “ours” means or refers to this credit union. This Agreement is also a Truth-in-Lending Disclosure Statement.
VISA Credit Card AgreementVisa Credit Card Agreement • June 12th, 2019
Lisbon Community Federal Credit Union Visa Credit Card agreementVisa Credit Card Agreement • February 23rd, 2010
In this Agreement, the words you and your mean each and all of those who apply for the card, sign the application, or use the card. Card means a Visa credit card and any duplicates and renewals we issue. Account means the Visa Credit Card Line of Credit with us.
MLA VISA CLASSIC CREDIT CARD AGREEMENTVisa Credit Card Agreement • December 5th, 2017 • Virginia
In this Agreement the words "you" and "your" mean each and all of those who agree to be bound by this Agreement; "Card" means a VISA credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "Account" means your VISA credit card line of credit account with the Credit Union. The Lender is NMA Federal Credit Union. Any reference to "us", "we", or “ Credit Union” means NMA Federal Credit Union or anyone to whom the Credit Union transfers this Agreement.
Visa Credit Card AgreementVisa Credit Card Agreement • December 29th, 2021 • Michigan
This Visa Credit Card Agreement (“Agreement”) is between Mercantile Bank (“Bank”) and the customer identified on the Signature Page to this Agreement (“Customer”), and is dated the Agreement Date set forth on the Signature Page.
ContractVisa Credit Card Agreement • May 5th, 2020
Page 1 of 6 VISA CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE Interest Rates and Interest Charges Annual Percentage Rates (APRs) for purchases Non-Variable Rate Program <Non-Variable Rate>% Variable Rate Program <Variable Rate%> This APR will vary with the market based upon Prime Rate APR for Balance Transfers Non-Variable Rate Program <Non-Variable Rate>% Variable Rate Program <Variable Rate%> This APR will vary with the market based upon Prime Rate APR for Cash Advances Non-Variable Rate Program <Non-Variable Rate>% Variable Rate Program <Variable%> This APR will vary with the market based upon Prime Rate Penalty APR and When It Applies No penalty rate will be applied Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips fr
ContractVisa Credit Card Agreement • May 5th, 2020 • Minnesota
The purpose of this Valley Natural Foods Visa® Credit Card Agreement and Disclosure Statement (“Visa® Agreement”) is to establish the terms and conditions for use of the Valley Natural Foods Visa® Credit Card revolving line of credit and to provide you with certain disclosures required by law. In this Visa® Agreement the words “we,” “our,” “us” or “Credit Union” mean SPIRE Federal Credit Union or its successors and assigns. The words “you” or “your” mean each person who has applied for a Valley Natural Foods Visa® Credit Card or who uses the card or duplicate credit card. The word “card” means your Valley Natural Foods Visa® Credit Card and duplicates of said card. The word “account” means your Valley Natural Foods Visa® Credit Card revolving credit account with SPIRE Federal Credit Union. The words “Credit Purchase” mean goods and services which may be purchased or leased by means of the card from any retail business establishment which honors the card upon the execution of a sales sl
VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • February 21st, 2013 • New Jersey
In this Agreement, the words you and your mean each and all of those who sign this Agreement. Card means “Platinum” Credit Card and any other duplicates and renewals the Credit Union issues. Account number means your VISA Credit Card Line of Credit Account with the Credit Union. Credit Union means the credit union whose name appears on this agreement.
ContractVisa Credit Card Agreement • May 5th, 2020
Achieva Credit Union P.O. Box 2650 Largo, FL 33779-2650 (727) 431-7680 • (941) 907-4000 • Non-local (800) 593-2274 www.AchievaCU.com VISA Classic/Gold/Platinum/Emerald/College Connection VISA CREDIT CARD AGREEMENT Effective July 10, 2010 KEEP THIS NOTICE FOR FUTURE USE Agreement – This agreement (“Agreement”) governs your VISA card account (“Account”) with the Credit Union and contains important information that applies to your Account. Future Amendments – We may amend this Agreement at any time by adding, deleting, or changing provisions of this Agreement. The most recent credit card agreement is available on our website at www.AchievaCU.com. Definitions – In this Agreement, the words: “Account” means the VISA credit card account approved for you by the credit union. “Card” means the access device with the VISA logo made available to you after approval for the purpose of access to your Account. It also includes future renewed or substituted access device issued to you under this Agree
AFFINITY (LLC) VISA CREDIT CARD AGREEMENTVisa Credit Card Agreement • May 10th, 2019 • Oregon
This Visa® Credit Card Account Agreement (“Agreement”) and the Account Disclosures (“Account Disclosure”) given to you when you opened your Card account (“Account”) will govern your Visa Credit Card and Account issued by OCCU Card Services, LLC. In this Agreement, the words “you,” “your,” “yours,” “applicant,” and “Borrower” mean any person who signs the application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. As a condition to receive and use the Card, any Borrower on the account must be eligible to be a member of Oregon Community Credit Union. The words “we,” “us,” “our,” and “Lender” mean OCCU Card Services, LLC. The word “Card” means any one or more credit cards issued under this Account. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and
ContractVisa Credit Card Agreement • May 5th, 2020
VISA® CREDIT CARD TERMS AND CONDITIONS AND TRUTH IN LENDING DISCLOSURE STATEMENT (“AGREEMENT”) DORT FEDERAL CREDIT UNION PO Box 1635, Flint, Michigan 48501-1635 Telephone: (800) 521-3796 (810) 767-8390 (If joint Account, read singular pronouns in the plural). Federal Truth in Lending Disclosure and Member Agreement In this Agreement, the words "you" and "your" refer to the person(s) who are contractually liable for any debt owed under the Account. If there are two or more such persons, each of them agree to be fully liable for any debt owed under the Account individually (severally) and together (jointly). You agree with Credit Union as follows: 1. Definitions. In relation to your Account and this Agreement, the following words shall have the meaning indicated: "Account" means the Visa Credit Card open end line of credit account approved by Credit Union for your use. "Agreement" means this Visa Borrower Agreement. "Annual Percentage Rate" means the cost of your credit expressed as a ye
