VISA Over Limit Opt-In Form
(This does not apply to your Debit card, only your Visa charge card.)

IMPORTANT NOTICE
OPT IN NOW SO YOUR VISA PURCHASES WON’T BE DENIED IF YOU GO OVER YOUR VISA LIMIT!

We must deny merchant authorization requests which may take your VISA Line-of-Credit Account over its approved credit limit unless authorized by you in advance.  If you wish to give us permission to authorize transactions which may take you over your approved limit, you must opt in by filling out the below form.  Note that by electing to opt in, you are granting us permission to authorize charges which may take your account over its approved limit at our discretion, but does not guarantee or obligate Vons Credit Union to do so.  By opting -in, you are also agreeing that we may charge your account a single Overlimit Fee of up to $25.00 each month in which your account is over its approved limit.  You may withdraw your opt-in approval at any time electronically, by telephone or written authorization.  In order to further comply with the CARD Act, we are no longer allowed to refer to your Visa Rate as “Fixed.” Your Visa Line-of-Credit Rate will now be referred to as having a “Non-Variable Annual Percentage Rate.”  You will be provided with a 45-day advance notice of any changes to the terms or rates of your Vons Credit Union Visa Line-of-Credit Account.