YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE:
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill is correct. After we receive your letter, we cannot try to collect any amount you questioned, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.
SPECIAL RULES FOR CREDIT CARD PURCHASES
If you have a problem with the quality or property of services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you have the right not to pay the remaining amount due on the property or service. There are two limitations on this right:
(a) You must have made the purchase in your home state or, if not within your home state within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, of if we mailed you the advertisement for the property or services.
How do I earn rewards?
VISA Signature Cash/Points Rewards credit card earn 3 points for every $1 of all net purchases made. VISA Platinum Rewards credit card earn 1 point for every $1 of net purchases made.
Will my rewards expire?
Your rewards expire five years from the month in which they were earned, as long as your account remains open.
Are there conditions for earning or redeeming rewards?
Rewards are earned on eligible net purchases. 'Net purchases' means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading or re-loading of gift and prepaid cards (e.g., money orders, Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.
What happens to my rewards if the account is closed?
Your rewards will be forfeited if your account is closed. For additional information, please refer to the terms and conditions with the card's corresponding program description.
IMPORTANT CREDIT CARD DISCLOSURES
The information about the costs of the card described is accurate as of 1/24/19 and may have changed after that date. To find out what may have changed, write us at P.O. Box 7001, Biloxi, MS 39534-7001..
How we will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided elsewhere in this account agreement. Refer to the 'Important Credit Card Disclosures' sheet you received upon account approval.
For a list of Keesler Federal locations, please visit
www.kfcu.org/branch-locations
or call
1-888-533-7537
in the US
or 0-800-585-765
in the UK
07/2025 s
CREDIT CARD LINE OF CREDIT AGREEMENT AND DISCLOSURES
1-888-KEESLER (533-7537) www.kfcu.org
I M P O R T A N T T O Y O U . I M P O R T A N T T O U S .
