Cardmember Agreement: Part 1 of 2Cardmember Agreement • January 8th, 2021
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 14.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 26.74%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to your account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account.How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR isapplied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance (or,
Cardmember Agreement: Part 1 of 2Cardmember Agreement • June 29th, 2020
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 12.74% to Prime Rate + 19.74%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 26.74%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to your Account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to apply the penalty APR to the Pay Over Time balance(s) on your Account.How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR isapplied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying In
DISCLOSURE STATEMENT, AND SECURITY AGREEMENTCardmember Agreement • August 8th, 2023
Thank you for becoming a cardmember. This document lists the terms that apply to your credit card account. When you make transactions with your account, we will lend you money by paying for these transactions and you agree to pay us back. We agree to the terms of this Agreement. When you use the account, this means you also agree to these terms.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 10th, 2015
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 12.49% to Prime Rate + 21.49%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. Paying Interest Your due date is at least 25 days
Cardmember Agreement: Part 1 of 2Cardmember Agreement • January 11th, 2016
Interest Rates Annual Percentage Rate (APR) for Purchases Up tothe Credit Limit Prime Rate + 9.99% - Prime + 15.99%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 9.99% - Prime + 15.99% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below.This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 6th, 2015
This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part
ContractCardmember Agreement • October 28th, 2021
Cardmember Agreement for Elan Financial Services® Visa Signature®, Visa Signature®Elite, World Mastercard®, and World Elite Mastercard® Accounts This credit card program is issued and administered by Elan Financial Services. This information is accurate as of September 30, 2021. PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. See the Agreement that was provided for your Account and Card for more detailed information, including contact information. PRICING INFORMATION: Actual pricing will vary from one Cardmember to another. (APR = Annual Percentage Rate)(DPR = Daily Periodic Rate) Annual Percentage Rates for Purchases This APR will vary with the Market based on the Prime Rate. Prime + 8.74% to Prime + 22.74% (APR) 11.99% to 25.99% (DPR) 0.032849% to 0.071205% Annual Percentage Rates for Balance Transfers This APR will vary with the Market based on the Prime Rate. Prime + 8.74% to Prime + 22.74%(APR) 11.99% to 25
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 15th, 2018
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.74%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply, subject to the following paragraph, to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) do not make the Minimum Payment due by the closing date of the billing period in which it is due.When Does the Penalty APR Apply to Payment Terms Purchases? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, to Payment Terms purchases from the day after the Payment Terms period ends and for the remaining duration that the Penalty APR applies. See When we charge interest in Part 2.How Long
Cardmember Agreement: Part 1 of 2Cardmember Agreement • May 21st, 2019
Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Membership Fee $550 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $40Up to $40
Cardmember AgreementCardmember Agreement • May 5th, 2020 • Nebraska
This booklet describes important terms and conditions that apply to your credit card account. We want to be clear in how we share this information with you, to help you stay in control and make well-informed decisions about your account.
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • July 25th, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
Cardmember Agreement: Part 1 of 2 As of: 09/30/2017Cardmember Agreement • September 21st, 2017
Interest Rates Annual Percentage Rate (APR) for Purchases Prime Rate + 12.49% to Prime Rate + 21.49%This is a variable APR. See Explanation of Variable Rates below. APR for Balance Transfers Prime Rate + 12.49% to Prime Rate + 21.49% for any balance transfer requests we may accept.This is a variable APR. See Explanation of Variable Rates below. APR for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to your account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account. How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The pe
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • June 7th, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
Cardmember Agreement: Part 1 of 2Cardmember Agreement • July 6th, 2015
This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any
Terms and Conditions of the Cardmember AgreementCardmember Agreement • February 5th, 2020
THIS AGREEMENT CONTAINS THE TERMS AND CONDITIONS APPLICABLE TO YOUR CARD(S) AND YOUR CARD ACCOUNT(S). PLEASE READ THIS AGREEMENT THOROUGHLY BEFORE USING OR SIGNING A CARD OR USING ANY OF THE SERVICES. BY USING OR SIGNING OR RETAINING A CARD OR USING ANY OF OUR SERVICES, YOU WILL BE DEEMED TO HAVE ACCEPTED ALL THE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT AND WILL BE BOUND BY THEM. YOUR USE OF THE CARD WILL BE GOVERNED BY THIS AGREEMENT. IF YOU DO NOT WISH TO BE BOUND BY THIS AGREEMENT, CUT YOUR CARD IN HALF AND RETURN THE PIECES TO US. UNLESS YOU DO SO, WE WILL ASSUME THAT YOU HAVE ACCEPTED THIS AGREEMENT. YOU SHOULD NOT USE THE CARD BEFORE THE VALIDITY DATE (IF ANY) OR AFTER THE EXPIRY DATE PRINTED ON THE FACE OF THE CARD.
HSBC Elite World Elite Mastercard® Cardmember AgreementCardmember Agreement • November 6th, 2022 • Virginia
CARDMEMBER AGREEMENT FIRST COMMONWEALTH SECURED CARDCardmember Agreement • December 21st, 2022
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers 16.24% - 19.24%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate.a APR for Cash Advances 19.24% - 22.24%, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate.b How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.g
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • April 19th, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
Terms and Conditions of the Cardmember Agreement ICBC Debit CardCardmember Agreement • February 5th, 2020
These Terms and Conditions govern the operation and your use of the ICBC Debit Card. It is important that you read and understand the Terms and Conditions carefully and retain them for future reference.
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • June 9th, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • August 30th, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
ContractCardmember Agreement • June 2nd, 2022 • South Dakota
Cardmember Agreement for Dacotah Bank Rate Saver Consumer Card This credit card program is issued and administered by Dacotah Bank. This information is accurate as of 06/2022.Please contact Dacotah Bank at 1-800-881-5611 for any changes made since the above date. PRICING INFORMATION: Actual pricing will vary from one Cardholder to another. Annual Percentage Rate (APR) for Purchases Introductory Rate: 0% APR for eighteen (18) months from the date the account is opened. After that, your rates will be: 11.74% to 16.74%Based on your creditworthiness.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers Introductory Rate: 0% APR for eighteen (18) months from the date the account is opened. After that, your rates will be: 11.74% to 16.74% Based on your creditworthiness.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 24.74% This APR will vary with the market based on the Prime Rate. Penalty APR and When It Applies There is n
CARDMEMBER AGREEMENT FBC317-0921Cardmember Agreement • July 21st, 2022
Thank you for becoming a cardmember. This document lists the terms that apply to your credit card account. When you make transactions with your account, we will lend you money by paying for thesetransactions and you agree to pay us back. We agree to theterms of this Agreement. When you usetheaccount, this means you also agree to these terms.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • June 9th, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
CARDMEMBER AGREEMENTCardmember Agreement • November 29th, 2022
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • March 31st, 2022
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
AMERICAN EXPRESS ESSENTIAL™ CREDIT CARD CARDMEMBER AGREEMENTCardmember Agreement • October 6th, 2021
IMPORTANT Please read these Conditions carefully. If you keep or use the Card, you are agreeing to these Conditions. If you do not accept these Conditions, please destroy the Card immediately and return it to American Express International, Inc.
Diners Club® Carte Blanche® Card Cardmember AgreementCardmember Agreement • October 11th, 2020 • Maryland
This document and the card carrier that is sent with the card together make up your Card Agreement and throughout this document are referred to as Agreement or Card Agreement. The card carrier contains important account information including the amount of any membership fee. Please read and keep these documents for your records. This Agreement is binding on you unless you cancel your account within 30 days after receiving the card and you have not used or authorized use of your account.
PB VISA/MASTERCARD CO-BRANDED CREDIT CARD CARDMEMBER AGREEMENTCardmember Agreement • October 25th, 2022
Thank you for applying for the PB Visa/Mastercard Co-Branded Credit Card. It is important that you read carefully the Cardmember Agreement printed below before using the PB Visa/Mastercard Co-Branded Credit Card. By using the Card, you acknowledge that you have read and understood and that you are accepting the Terms and Conditions set out below and will be bound by them.
CARDMEMBER AGREEMENTCardmember Agreement • November 7th, 2023
These Terms and Conditions apply to the Utkarsh Small Finance Bank Limited (USFBL) Credit Card. Please read this Agreement which is being sent to you, pursuant to the approval of your application, for a Utkarsh Small Finance Bank Limited Credit Card (USFBL Credit Card ) . You have agreed in your Application Form, that the use of USFBL Credit Card shall be governed by these Terms and Conditions, and as amended by the Bank from time to time. You have further agreed that Most Important Terms and Conditions and Declaration shall be read as part and parcel of this Agreement. The Cardmember shall be deemed to have unconditionally agreed to the Cardmember Agreement by acknowledging receipt of the Card or by signing on the reverse of the Card or by transacting on the Card. In such an event, this Agreement shall be deemed to have come into effect and shall be binding on the Cardmember. If the Terms and Conditions are not acceptable to you, please inform us in writing, and destroy the USFBL Cred
THE PARTIES TO THE AGREEMENTCardmember Agreement • June 4th, 2018
CENTURION® CARDMEMBER AGREEMENTCardmember Agreement • June 4th, 2019
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account). For ease of reference, the
CARDMEMBER AGREEMENTCardmember Agreement • September 2nd, 2021 • Virginia
