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Mastercard® Credit Card Agreement

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Mastercard® Credit Card Agreement Amendments/Changes in Terms – We may change the terms of this Agreement at What To Do If You Think You Find A Mistake On Your Statement – If you think there is an any time unless otherwise prohibited by applicable law. We will give you notice of error on your statement, write to us at: P.O. Box 1500 any changes in accordance and as required by applicable law. The most recent Dunedin, FL 34697 credit card agreement is available on our website at www.achievacu.com. Achieva Credit Union, P.O. Box 1500 Dunedin, FL 34697 727.431.7680 | 800.593.2274 In your letter, give us the following information: Statements and Notices – Statements and notices will be mailed or emailed to you www.achievacu.com at the most recent postal address or email address you have provided to us. Notice • Your name and account number. provided to any Account owner will be considered notice to all. • The dollar amount of the suspected error. Change of Address – If your mailing address or contact information has changed, • If you think there is an error on your bill, describe what you believe is wrong and why or if the address as it appears on this billing statement is incorrect, you must notify you believe it is a mistake. us promptly by contacting us at the address or telephone number at the beginning of this Agreement or use our website at www.achievacu.com. If we note that mail You must contact us within 60 days after the error appeared on your statement. At least addressed to you is returned to us by the United States Postal Service (USPS) with 3 days before an automated payment is scheduled, if you want to stop payment on the an address correction label, you authorize us to accept, at our option, the mailing amount you think is wrong. You must notify us of any potential errors in writing. You may address correction provided by USPS to correct the address on your Account. If call us, but if you do we are not required to investigate any potential errors and you may you have elected to receive electronic billing statements for this Account, you have to pay the amount in question. While we investigate whether or not there has been an must promptly provide us with an update of your correct email address. Your email error, the following are true: address may be easily updated by accessing our electronic banking platform ® • We cannot try to collect the amount in question, or report you as delinquent on that Mastercard Credit Card Agreement “Online Banking” located on our website. A bad address may result in a monthly amount. Bad Address Processing Fee as set forth in our current Consumer Schedule of Fees. Effective June 1, 2020 • The charge in question may remain on your statement, and we may continue to charge Liability for Lost or Stolen Cards or Account Number – If your Card, Account number you interest on that amount. But, if we determine that we made a mistake, you will not Definitions – In this Agreement the words “Account” means the Mastercard credit or other means to access your Account are lost or stolen, or you think someone used have to pay the amount in question or any interest or other fees related to that amount. card account approved for you by Achieva Credit Union. “Card” means the access or may use your Account without your permission, you must notify us at once, orally device with the Mastercard logo made available to you after approval for the purpose of or in writing, Monday through Friday 9:00 AM to 5:30 PM at the address and phone • While you do not have to pay the amount in question, you are responsible for the access to your Account. It also includes future renewed or substituted access devices number shown on this agreement or by calling 1.800.543.5073 twenty-four (24) hours remainder of your balance. issued to you under this Agreement. The words “Credit Union”, “we” and “us” refer a day, seven (7) days a week. You will not be liable for unauthorized transactions • We can apply any unpaid amount against your credit limit. to Achieva Credit Union or anyone to whom this Agreement may be assigned to in the that occur after you notify us of the loss, theft, or possible unauthorized use. You future. “Current Payment Due” means the minimum payment required that you must will have no liability for unauthorized purchases made from your Account, unless After we finish our investigation, one of two things will happen: pay at or before the “Payment Due Date” to avoid late charges. “Finance Charges” you are found to be grossly negligent in the handling of your Card or Account. If you • If we made a mistake, you will not have to pay the amount in question or any interest means calculated interest based on your approved APR(s) for the funds you borrow notify us properly and no gross negligence was found from your part, your liability or other fees related to that amount. on your Account by making purchases, and other types of transactions. “Payment Due will not exceed $50.00 and may be waived under the Mastercard agreement with Date” means the date by which you must make the “Current Payment Due” to avoid late your Card issuer. • If we do not believe there was a mistake, you will have to pay the amount in question, charges. “Total New Balance” means the balance remaining on your Account after the along with applicable interest and fees. We will send you a statement of the amount prior month’s payment is applied including fees, finance charges, and new transactions. Arbitration – The Arbitration terms set forth in the Universal Account Agreement You owe and the date payment is due. We may then report you as delinquent if you do “You” and “your” refer to each liable person who applies for and agrees to the terms apply to this Account and are hereby incorporated by reference as if set forth in not pay the amount we think you owe. and conditions of the Account. This includes any person authorized by you to use the full herein. The Arbitration provisions do not apply to covered borrowers under the account now or in the future. Military Lending Act unless you established your credit card account when you If You receive Our explanation but still believe your bill is wrong, you must write to us within were not a covered borrower. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent Agreement – This Mastercard Credit Card Agreement together with the Account without also reporting that you are questioning your bill. We must tell you the name of Opening Disclosure and any other subsequent documents provided to you related to GOVERNING LAW – THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND anyone to whom we reported you as delinquent, and we must let those organizations know this Account (hereinafter collectively referred to as “Agreement”) is your contract with YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH when the matter has been settled between us. If we do not follow all of the rules above, the Credit Union and governs all consumer Mastercard accounts (“Accounts”) issued FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF FLORIDA you do not have to pay the first $50 of the amount you question even if your bill is correct. by Achieva Credit Union. The agreements, disclosures, rules and regulations applicable WHERE WE AND YOUR ACCOUNT ARE LOCATED, AND WILL APPLY NO MATTER to your Account including other agreements you have with the Credit Union, now or in WHERE YOU LIVE OR USE THE ACCOUNT. Your Rights If You Are Dissatisfied With Your Credit Card Purchases – If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried the future, remain in effect and are made a part of this Agreement by reference unless specifically modified. Achieva Cash Rewards Mastercard® - Terms and Conditions – Cash rewards are in good faith to correct the problem with the merchant, you may have the right not to pay the based on the qualifying purchases you make and rewards are earned at tier levels remaining amount due on the purchase. To use this right, all of the following must be true: Usage of your Account – Use of your Account by you or other authorized users on as follows: • The purchase must have been made in your home state or within 100 miles of your the Account constitutes consent to the terms and conditions of this Agreement and current mailing address, and the purchase price must have been more than $50.00 acknowledgement of delivery of a copy of this Agreement. If you allow someone to be QUALIFIED PURCHASES EARNED REWARDS (Note: Neither of these are necessary if your purchase was based on an advertisement an authorized user on the Account, you are allowing that person to use the Account $0 to $5,000 0.50% we mailed to you, or if we own the company that sold you the goods or services.) as you can. You will remain responsible for all transactions and charges made by $5,001 to $10,000 1.00% • You must have used your credit card for the purchase. Purchases made with cash you and other persons authorized by you. You may use your Card to purchase goods and services from merchants and others who accept Mastercard.
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