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Credit Card Disclosures, Fine Print

Credit Card Disclosure

* APR refers to Annual Percentage Rate. New cards only. Purchase transactions that occur during the period ending the first six months from card issuance will accrue finance charges at an introductory rate of 0%. Upon the expiration of the introductory rate period (first six months from card issuance), remaining balances and future transaction will be charged the regular variable rate. Rates are subject to change without notice. Visit mycvf.org/current-rates for current VISA Card rates.

** New cards only. Balance Transfer transactions that occur during the period ending the first six months from card issuance will accrue finance charges at an introductory rate of 0%. Upon the expiration of the introductory rate period (first six months from card issuance), remaining balances and future transactions will be charged the regular variable rate. Rates are subject to change without notice. Visit mycvf.org/current-rates for current VISA Card rates.

Travel:
Travel discounts and upgrades
Trip cancellation insurance
Travel accident & baggage delay insurance
Car rental damage waiver insurance
Entertainment and Shopping

Entertainment offers
Access to fine wine & food events
Shopping discounts from top retailers

Premiere Services
24-hour concierge services*
Purchase warranty management service, extended warranty protection
Travel and emergency assistance services

EMV Chip Technology
Your CVF Credit Union VISA Card Uses EMV Chip Technology for an Extra Layer of Protection. If you swipe your new VISA card and receive a message to enter your PIN, cancel the transaction and insert your card into the EMV card reader (usually located at the bottom of the keypad). EMV cards are authorized via the microchip and must be inserted into EMV card reader.

Important VISA Contact Information
Card Activation: 800-631-3197
Card Lost / Stolen: 800-449-7728
Cardholder PIN Select: 888-886-0083
Customer Service VISA Signature: 866-820-4943
Customer Service VISA Platinum: 866-820-4929
Mail a payment: VISA Payment Services P.O. Box 37603, Philadelphia, PA 19101-0603

*Cash Back Rewards Rules

1. Every dollar in purchases made with your CVF Credit Union Visa® Signature credit card covered by this program and that appears on your statement during the program period, earns 1.25% Cash Back Rewards as provided in these Rules. Cash Back Rewards are earned with purchases made by you beginning on the first day in which your program begins and is provided to you annually in October. Contact CVF Credit Union for full details.

2. Your periodic statement will normally include an annual-to-date accounting total of your Cash Back Rewards, but may be adjusted as provided for in these Rules. Cash Back Rewards will be deducted from your current total for corresponding retail purchase returns posted to your CVF Credit Union card account. The final Cash Back Rewards will be based on net purchases (purchases minus returns).

3. Your card account must be open and available (i.e. not cancelled, terminated, delinquent or otherwise not available to use for charges) at the time each year that Cash Back Rewards will be provided to you. Otherwise, your Cash Back Rewards will be forfeited. Cash Back Rewards are not exchangeable or transferable.

4. This Cash Back Rewards program may be modified, suspended or cancelled at any time without restriction or penalty. Cash Back Rewards may be forfeited due to violations of these Rules. This Cash Back Rewards program is void where prohibited or restricted by law. You are responsible for any federal, state or local incomes or other taxes.