Billing Rights. Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the
Billing Rights. Please refer to the Agreement below for details. Please contact us for any changes to this information at (000) 000-0000 or (000) 000-0000 or by writing to 000 Xxxxxxxxxx Xxxxxx, Xxxxxxxxxx, XX 00000. Information is accurate as of June 1, 2022. MILITARY LENDING ACT DISCLOSURES Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). For Visa credit card accounts, your payment is 2% of the outstanding balance or $10, whichever is greater, or the total new balance if it is less than $10 plus any portion of the minimum payment(s) remaining unpaid from previous statements. Listen to these disclosures and a description of your payment obligations by calling toll-free 0-000-000-0000 option 9. ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA CREDIT CARD ACCOUNTS
Billing Rights. See “Billing Rights Summary” section of this Agreement for information on your rights to dispute transactions and how to exercise those rights. Military Lending Act Disclosure: To receive important disclosures and payment obligation information about this Agreement verbally, please call 0-000-000-0000. By agreeing to the terms of Credit Line Agreement, you confirm your agreement to the Arbitration Provision in the Spend and Save Agreement, unless (1) you are a member, or a dependent of a member, of the armed forces on the date you obtain Credit Line, or
Examples of Billing Rights in a sentence
You understand that if you use a convenience check to make a purchase and you have a dispute with that purchase, the dispute is not covered by the Billing Rights Summary.
Preservation of your rights under federal law regarding resolution of billing errors depends upon your timely recognition of potential errors, as explained below in the Billing Rights section of this Agreement.
More Definitions of Billing Rights
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided elsewhere in this account agreement.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full details. Can You Change My Account Terms? We can change the terms of your credit card account as permitted by law. When required by law, we will send you notice before doing so. How Do You Calculate Variable Rates? Variable APRs disclosed above are based on the Prime Rate + Margin (currently between 11.74% and 21.74%). Variable rates may change when the Prime Rate changes. We calculate the variable rate by adding a fixed percentage (known as the margin) to the Prime Rate, published in The Wall Street Journal two business days before the end of the Billing Cycle. If The Wall Street Journal does not publish the Prime Rate or changes the definition of the Prime Rate, we may choose to use a different, but similar, published rate from another source. If the Prime Rate changes at least two business days before the end of your current Billing Cycle, your new rate will take effect at the end of your Billing Cycle, otherwise the rate change will take place on your next Billing Cycle. If the APR associated with an offer is variable, the APR will equal: Purchase APR - Prime Rate plus a margin (currently between 11.74% and 21.74%). Any increase in the Prime Rate may increase your interest charges and your minimum payment. What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is between 0.041068% and .06847%.
Billing Rights. Information on your rights to dispute transaction and how to exercise those rights is provided in your account Agreement. 3.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full details. Can You Change My Account Terms? We can change the terms of your credit card account as permitted by law. When required by law, we will send you notice before doing so. How Do You Calculate Variable Rates? Variable APRs disclosed above are based on the 7.00% Prime Rate as of November 11, 2022. Variable rates may change when the Prime Rate changes. We calculate variable rate by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If The Wall Street Journal is not published on that day, then see the immediately preceding edition. If Prime Rate changes, your new rate will take effect on your next billing cycle. If the APR associated with an offer is variable, the APR will equal: Purchase APR - Prime Rate plus a margin of 19.74%. Any increase in the Prime Rate may increase your interest charges and your minimum payment. What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is [0.071205%]. How Can I Avoid Paying Interest Charges? If you pay your statement’s “[New Balance]” in full by the due date, we will not charge interest on any new transactions that post to the purchase balance. If you have not done so, an interest charge will accrue from the transaction date on purchases at the applicable APR for purchases until the date payment in full is posted to your Account. How Is The Interest Charge Applied? Interest charges accrue from the (1) date of the transaction; (2) date the transaction is processed; or (3) first calendar day of the billing cycle. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire “New Balance” one month but did not do so for the previous month. Unpaid interest charges are added to the applicable transaction type (e.g., purchase or cash advance) of your account. However, we reserve the right to not assess interest charges at any time.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. TRV Comb. 12/23 Municipal Credit Union MUNICIPAL CREDIT UNION TRUE REWARDS VISA – PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers 16.90%, 18.15%, 19.65%, or 21.40%, based on your creditworthiness at account opening. These APRs will vary with the market based on Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Balance Transfers • Cash Advances • Foreign Transactions Either $2 or 3% of the amount of each Balance Transfer, whichever is greater. Either $2 or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees • Late Payment • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details.
Billing Rights. See “Billing Rights Summary” section of this Agreement for information on your rights to dispute transactions and how to exercise those rights.
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