{"component": "clause", "props": {"groups": [{"size": 97, "snippet": "If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus \"other charges\") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled \u201cStatements and Notices\u201d) explaining your right to opt in to the Credit Union\u2019s program whereby it will honor advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.", "snippet_links": [{"key": "line-of-credit", "type": "definition", "offset": [70, 84]}, {"key": "your-credit-limit", "type": "clause", "offset": [109, 126]}, {"key": "maximum-amount", "type": "clause", "offset": [134, 148]}, {"key": "finance-charges", "type": "definition", "offset": [176, 191]}, {"key": "other-charges", "type": "definition", "offset": [199, 212]}, {"key": "at-any-time", "type": "clause", "offset": [263, 274]}, {"key": "the-credit-limit", "type": "clause", "offset": [350, 366]}, {"key": "the-credit-union-has", "type": "clause", "offset": [371, 391]}, {"key": "payment-of-advances", "type": "clause", "offset": [420, 439]}, {"key": "subject-to", "type": "clause", "offset": [471, 481]}, {"key": "will-provide", "type": "clause", "offset": [506, 518]}, {"key": "with-notice", "type": "clause", "offset": [523, 534]}, {"key": "in-writing", "type": "clause", "offset": [551, 561]}, {"key": "requirements-of-the", "type": "clause", "offset": [602, 621]}, {"key": "statements-and-notices", "type": "clause", "offset": [642, 664]}, {"key": "right-to-opt-in", "type": "clause", "offset": [683, 698]}, {"key": "advance-requests", "type": "definition", "offset": [751, 767]}, {"key": "in-the-event", "type": "clause", "offset": [791, 803]}, {"key": "you-agree-to", "type": "clause", "offset": [834, 846]}, {"key": "terms-of", "type": "definition", "offset": [851, 859]}, {"key": "increase-or-decrease", "type": "clause", "offset": [995, 1015]}, {"key": "for-any-reason", "type": "clause", "offset": [1103, 1117]}, {"key": "prohibited-by-law", "type": "clause", "offset": [1122, 1139]}, {"key": "obtain-cash-advances", "type": "clause", "offset": [1165, 1185]}, {"key": "from-time-to-time", "type": "clause", "offset": [1211, 1228]}, {"key": "convenience-checks", "type": "clause", "offset": [1236, 1254]}, {"key": "drawn-on-your-account", "type": "clause", "offset": [1274, 1295]}, {"key": "your-account-balance", "type": "clause", "offset": [1353, 1373]}, {"key": "to-your-account", "type": "clause", "offset": [1425, 1440]}, {"key": "to-pay", "type": "clause", "offset": [1491, 1497]}, {"key": "wrongful-dishonor", "type": "definition", "offset": [1593, 1610]}], "samples": [{"hash": "bfmugAWd3wi", "uri": "/contracts/bfmugAWd3wi#using-your-account", "label": "Consumer Credit Card Agreement", "score": 31.7397079468, "published": true}, {"hash": "hlPtJ2kaKiA", "uri": "/contracts/hlPtJ2kaKiA#using-your-account", "label": "Consumer Credit Card Agreement", "score": 30.1977100372, "published": true}, {"hash": "iSTcDPWZHa", "uri": "/contracts/iSTcDPWZHa#using-your-account", "label": "Consumer Credit Card Agreement", "score": 26.0651454926, "published": true}], "hash": "566bebdabe9f0b4fa4b00faf0b45652f", "id": 1}, {"size": 93, "snippet": "If you are approved for an Account, Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus \u201cother charges\u201d) that you will have outstanding on your Account at any time. If you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to Credit Union. Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law.", "snippet_links": [{"key": "credit-union", "type": "clause", "offset": [36, 48]}, {"key": "line-of-credit", "type": "definition", "offset": [66, 80]}, {"key": "your-credit-limit", "type": "clause", "offset": [107, 124]}, {"key": "you-agree", "type": "clause", "offset": [126, 135]}, {"key": "maximum-amount", "type": "clause", "offset": [166, 180]}, {"key": "cash-advances", "type": "definition", "offset": [193, 206]}, {"key": "finance-charges", "type": "definition", "offset": [208, 223]}, {"key": "other-charges", "type": "definition", "offset": [231, 244]}, {"key": "your-account", "type": "definition", "offset": [281, 293]}, {"key": "at-any-time", "type": "clause", "offset": [294, 305]}, {"key": "you-must-pay", "type": "clause", "offset": [342, 354]}, {"key": "right-to", "type": "definition", "offset": [551, 559]}, {"key": "for-any-reason", "type": "clause", "offset": [654, 668]}, {"key": "prohibited-by-law", "type": "clause", "offset": [673, 690]}], "samples": [{"hash": "eMkFouhWcxb", "uri": "/contracts/eMkFouhWcxb#using-your-account", "label": "Credit Card Agreement", "score": 36.1719512939, "published": true}, {"hash": "lTfmc76QpMj", "uri": "/contracts/lTfmc76QpMj#using-your-account", "label": "Credit Card Agreement", "score": 36.161239624, "published": true}, {"hash": "7dc4qJd3vie", "uri": "/contracts/7dc4qJd3vie#using-your-account", "label": "Credit Card Agreement", "score": 35.577911377, "published": true}], "hash": "575ce9abeb27621b8673c8b8e2e2fb44", "id": 2}, {"size": 57, "snippet": "By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions.", "snippet_links": [{"key": "using-the-account", "type": "clause", "offset": [3, 20]}, {"key": "the-card", "type": "definition", "offset": [32, 40]}, {"key": "you-agree-to", "type": "clause", "offset": [42, 54]}, {"key": "terms-of-this-agreement", "type": "clause", "offset": [59, 82]}, {"key": "use-your-account", "type": "clause", "offset": [97, 113]}, {"key": "in-accordance-with", "type": "clause", "offset": [114, 132]}], "samples": [{"hash": "jv6Jw72ZOlR", "uri": "/contracts/jv6Jw72ZOlR#using-your-account", "label": "Consumer Credit Card Agreement", "score": 34.752532959, "published": true}, {"hash": "htlXy6W7xqJ", "uri": "/contracts/htlXy6W7xqJ#using-your-account", "label": "Consumer Credit Card Agreement", "score": 34.6048316956, "published": true}, {"hash": "lbYxdmtjkSa", "uri": "/contracts/lbYxdmtjkSa#using-your-account", "label": "Consumer Credit Card Agreement", "score": 34.0035196293, "published": true}], "hash": "67e8c5083ebd7491d0473637540122f7", "id": 3}, {"size": 44, "snippet": "If you are approved for an Account, the Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus \"other charges\") that you will have outstanding on your Account at any time. Each payment you make to your Account will restore your credit limit by the amount of the payment, unless you are over your credit limit. If you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law.", "snippet_links": [{"key": "line-of-credit", "type": "definition", "offset": [70, 84]}, {"key": "your-credit-limit", "type": "clause", "offset": [111, 128]}, {"key": "you-agree", "type": "clause", "offset": [130, 139]}, {"key": "maximum-amount", "type": "clause", "offset": [170, 184]}, {"key": "cash-advances", "type": "definition", "offset": [197, 210]}, {"key": "finance-charges", "type": "definition", "offset": [212, 227]}, {"key": "other-charges", "type": "definition", "offset": [235, 248]}, {"key": "at-any-time", "type": "clause", "offset": [298, 309]}, {"key": "to-your-account", "type": "clause", "offset": [333, 348]}, {"key": "the-payment", "type": "clause", "offset": [397, 408]}, {"key": "you-must-pay", "type": "clause", "offset": [484, 496]}, {"key": "the-credit-union-has", "type": "clause", "offset": [676, 696]}, {"key": "right-to", "type": "definition", "offset": [701, 709]}, {"key": "for-any-reason", "type": "clause", "offset": [804, 818]}, {"key": "prohibited-by-law", "type": "clause", "offset": [823, 840]}], "samples": [{"hash": "5iPLnW6012Y", "uri": "/contracts/5iPLnW6012Y#using-your-account", "label": "Visa Cashback Rewards Disclosure", "score": 36.4825592088, "published": true}, {"hash": "5kuVWLeAWM2", "uri": "/contracts/5kuVWLeAWM2#using-your-account", "label": "Visa\u00ae Credit Card Agreement", "score": 36.4825515747, "published": true}, {"hash": "f08vTwKybJt", "uri": "/contracts/f08vTwKybJt#using-your-account", "label": "Visa\u00ae Credit Card Agreement", "score": 35.6795692444, "published": true}], "hash": "9e9d3b171b8ca03399f5c910a27e9b0e", "id": 4}, {"size": 21, "snippet": "If you are approved for an account, the Credit Union will establish a line of credit for you. The amount of your credit limit is set forth on the Addendum accompanying this Agreement. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus \"other charges\") that you will have outstanding on your account at any time. If you exceed your credit limit, you must pay the amount you are over your limit plus any fees and unpaid finance charges before payments will begin to restore your credit limit. In addition, a fee may be imposed for exceeding your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may from time to time issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.", "snippet_links": [{"key": "the-credit-union", "type": "definition", "offset": [36, 52]}, {"key": "line-of-credit", "type": "definition", "offset": [70, 84]}, {"key": "this-agreement", "type": "clause", "offset": [168, 182]}, {"key": "you-agree", "type": "clause", "offset": [184, 193]}, {"key": "maximum-amount", "type": "clause", "offset": [224, 238]}, {"key": "finance-charges", "type": "definition", "offset": [266, 281]}, {"key": "other-charges", "type": "definition", "offset": [289, 302]}, {"key": "at-any-time", "type": "clause", "offset": [352, 363]}, {"key": "you-must-pay", "type": "clause", "offset": [398, 410]}, {"key": "in-addition", "type": "clause", "offset": [544, 555]}, {"key": "exceeding-your-credit-limit", "type": "clause", "offset": [582, 609]}, {"key": "increase-or-decrease", "type": "clause", "offset": [730, 750]}, {"key": "for-any-reason", "type": "clause", "offset": [838, 852]}, {"key": "prohibited-by-law", "type": "clause", "offset": [857, 874]}, {"key": "obtain-cash-advances", "type": "clause", "offset": [900, 920]}, {"key": "from-time-to-time", "type": "clause", "offset": [945, 962]}, {"key": "convenience-checks", "type": "clause", "offset": [969, 987]}, {"key": "drawn-on-your-account", "type": "clause", "offset": [1007, 1028]}, {"key": "your-account-balance", "type": "clause", "offset": [1086, 1106]}, {"key": "to-your-account", "type": "clause", "offset": [1157, 1172]}, {"key": "to-pay", "type": "clause", "offset": [1223, 1229]}, {"key": "wrongful-dishonor", "type": "definition", "offset": [1325, 1342]}], "samples": [{"hash": "lECluEpHOGQ", "uri": "/contracts/lECluEpHOGQ#using-your-account", "label": "Business Credit Card Agreement", "score": 32.7470588684, "published": true}, {"hash": "83cY9U98A6E", "uri": "/contracts/83cY9U98A6E#using-your-account", "label": "Business Credit Card Agreement", "score": 32.4607124329, "published": true}, {"hash": "nBxCWpDJjL", "uri": "/contracts/nBxCWpDJjL#using-your-account", "label": "Business Credit Card Agreement", "score": 28.2440910339, "published": true}], "hash": "1721b669fd32b4f459c7532575243b5c", "id": 5}, {"size": 19, "snippet": "If you are approved for an account, the Credit Union will establish a line of credit for you. The amount of your credit limit is set forth on the Addendum accompanying this Agreement. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus \"other charges\") that you will have outstanding on your account at any time. If you exceed your credit limit, you must pay the amount you are over your limit plus any fees and unpaid finance charges before payments will begin to restore your credit limit. In addition, a fee may be imposed for exceeding your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance, and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may from time to time issue convenience checks to you that may be drawn on your account.", "snippet_links": [{"key": "the-credit-union", "type": "definition", "offset": [36, 52]}, {"key": "line-of-credit", "type": "definition", "offset": [70, 84]}, {"key": "this-agreement", "type": "clause", "offset": [168, 182]}, {"key": "you-agree", "type": "clause", "offset": [184, 193]}, {"key": "maximum-amount", "type": "clause", "offset": [224, 238]}, {"key": "finance-charges", "type": "definition", "offset": [266, 281]}, {"key": "other-charges", "type": "definition", "offset": [289, 302]}, {"key": "at-any-time", "type": "clause", "offset": [352, 363]}, {"key": "you-must-pay", "type": "clause", "offset": [398, 410]}, {"key": "in-addition", "type": "clause", "offset": [544, 555]}, {"key": "exceeding-your-credit-limit", "type": "clause", "offset": [582, 609]}, {"key": "increase-or-decrease", "type": "clause", "offset": [730, 750]}, {"key": "for-any-reason", "type": "clause", "offset": [839, 853]}, {"key": "prohibited-by-law", "type": "clause", "offset": [858, 875]}, {"key": "obtain-cash-advances", "type": "clause", "offset": [901, 921]}, {"key": "from-time-to-time", "type": "clause", "offset": [946, 963]}, {"key": "convenience-checks", "type": "clause", "offset": [970, 988]}, {"key": "drawn-on-your-account", "type": "clause", "offset": [1008, 1029]}], "samples": [{"hash": "ik3EXWNNun5", "uri": "/contracts/ik3EXWNNun5#using-your-account", "label": "Business Credit Card Agreement", "score": 33.1951751709, "published": true}, {"hash": "3tyRs94sfdb", "uri": "/contracts/3tyRs94sfdb#using-your-account", "label": "Business Credit Card Agreement", "score": 33.1520080566, "published": true}, {"hash": "ij2Gy4kqZfC", "uri": "/contracts/ij2Gy4kqZfC#using-your-account", "label": "Business Credit Card Agreement", "score": 33.0408172607, "published": true}], "hash": "8bdaca814316b635abb2b2386bfc2c08", "id": 6}, {"size": 16, "snippet": "ALLOWED USE", "snippet_links": [{"key": "allowed-use", "type": "clause", "offset": [0, 11]}], "samples": [{"hash": "deuieeqOw0b", "uri": "/contracts/deuieeqOw0b#using-your-account", "label": "Credit Card Agreement", "score": 23.8788509369, "published": true}, {"hash": "cIv9dbFYASy", "uri": "/contracts/cIv9dbFYASy#using-your-account", "label": "Credit Card Agreement", "score": 23.7583847046, "published": true}, {"hash": "x1bwO4pT61", "uri": "/contracts/x1bwO4pT61#using-your-account", "label": "Credit Card Agreement", "score": 23.754278183, "published": true}], "hash": "12774f496cbf098459d8c194a3e27bfb", "id": 7}, {"size": 10, "snippet": "You may use your Account to make Transactions. You may not use or permit your Account to be used for: \u2022 Any illegal purpose, including in connection with unlawful domestic or international gambling websites or to purchase illegal goods or services; \u2022 Cash Advances and Cash Equivalents; \u2022 Any purpose in any country or territory that is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), or with any person or entity subject to these sanctions; or \u2022 Paying any debts to us. If your Account is used for any Transaction not permitted by this Agreement, we will treat these Transactions as Purchase Transactions for purposes of applying interest, and you are responsible for these Transactions and any related interest or Daily Cash Adjustments.", "snippet_links": [{"key": "use-your-account", "type": "clause", "offset": [8, 24]}, {"key": "illegal-purpose", "type": "clause", "offset": [108, 123]}, {"key": "in-connection-with", "type": "clause", "offset": [135, 153]}, {"key": "goods-or-services", "type": "definition", "offset": [230, 247]}, {"key": "cash-advances", "type": "definition", "offset": [251, 264]}, {"key": "cash-equivalents", "type": "definition", "offset": [269, 285]}, {"key": "subject-to", "type": "clause", "offset": [337, 347]}, {"key": "economic-sanctions", "type": "clause", "offset": [348, 366]}, {"key": "the-us", "type": "clause", "offset": [396, 403]}, {"key": "department-of-the-treasury", "type": "definition", "offset": [405, 431]}, {"key": "office-of-foreign-assets-control", "type": "clause", "offset": [434, 466]}, {"key": "person-or-entity", "type": "definition", "offset": [487, 503]}, {"key": "not-permitted", "type": "clause", "offset": [605, 618]}, {"key": "by-this-agreement", "type": "clause", "offset": [619, 636]}, {"key": "purchase-transactions", "type": "clause", "offset": [674, 695]}, {"key": "for-purposes-of", "type": "clause", "offset": [696, 711]}, {"key": "applying-interest", "type": "clause", "offset": [712, 729]}, {"key": "responsible-for", "type": "clause", "offset": [743, 758]}, {"key": "cash-adjustments", "type": "definition", "offset": [812, 828]}], "samples": [{"hash": "5qRhBVWhaSB", "uri": "/contracts/5qRhBVWhaSB#using-your-account", "label": "Apple Card Customer Agreement", "score": 35.9650917053, "published": true}, {"hash": "9VlwOjTBf5c", "uri": "/contracts/9VlwOjTBf5c#using-your-account", "label": "Apple Card Customer Agreement", "score": 35.1280059814, "published": true}, {"hash": "2KATXpowqk1", "uri": "/contracts/2KATXpowqk1#using-your-account", "label": "Apple Card Customer Agreement", "score": 28.0308017731, "published": true}], "hash": "27d61f47894fabf9d2c22aae6bd7822a", "id": 8}, {"size": 10, "snippet": "We may decline to authorize a transaction for any reason. This may occur even if the transaction would not cause you to go over your Credit Limit or your Account is not in default.", "snippet_links": [{"key": "for-any-reason", "type": "clause", "offset": [42, 56]}, {"key": "the-transaction", "type": "clause", "offset": [81, 96]}, {"key": "your-credit-limit", "type": "clause", "offset": [128, 145]}, {"key": "your-account", "type": "definition", "offset": [149, 161]}, {"key": "not-in-default", "type": "clause", "offset": [165, 179]}], "samples": [{"hash": "5Hc8lcfsVhU", "uri": "/contracts/5Hc8lcfsVhU#using-your-account", "label": "Consumer Credit Card Agreement", "score": 36.4880371094, "published": true}, {"hash": "l6TVsCKo8Jf", "uri": "/contracts/l6TVsCKo8Jf#using-your-account", "label": "Credit Card Agreement", "score": 35.7352523804, "published": true}, {"hash": "5M5aRqrFCD3", "uri": "/contracts/5M5aRqrFCD3#using-your-account", "label": "Consumer Credit Card Agreement", "score": 35.6578826904, "published": true}], "hash": "da04947a0450a4acd37612460dc1669b", "id": 9}, {"size": 9, "snippet": "Your card must be signed before using. When you receive this Agreement, use the Account, or sign or keep the Card, you agree to: \u2022the terms of this Agreement; plus \u2022any amendments or supplements to the Agreement. TYPES OF USE You may use your Account for: \u2022Purchases; \u2022Balance Transfers; \u2022Check Transactions; \u2022Cash Advances. We may limit the amount and/or frequency of any type of use at any time. Cash Advance transactions are considered: \u2022ATM withdrawals \u2022Overdraft transactions \u2022Checks used for purposes other than Balance Transfers \u2022Over the counter (at bank) \u2022Other \u201ccash like\u201d transactions, such as purchasing money orders, gaming transactions, or purchasing lottery tickets. ALLOWED USE You agree to: \u2022use your Account only for lawful purposes \u2022use your Account for only personal, family, household, or charitable purposes; and \u2022repay us for all costs related to uses not allowed under this Agreement. You are not allowed to use your Account: \u2022To make payments to this credit card or any other loan payments to us or our affiliates; for unlawful internet gambling. If you have given permission to use this card to someone, these transactions are not considered unauthorized and you will be liable for these purchases. USING THE ACCOUNT At times we may: \u2022decline a transaction if there is not enough available credit and for any other reason; and/or \u2022require our Authorization before allowing a transaction. Any merchant may request to check your ID. 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It typically outlines who may use the account, what activities are permitted or prohibited, and any requirements for maintaining account security, such as keeping login credentials confidential. This clause ensures that users understand their obligations and helps prevent unauthorized access or misuse, thereby protecting both the user and the service provider."}, "json": true, "cursor": ""}}