Assigning Claims. If you dispute a charge with a merchant, we may credit your account for all or part of the disputed charge. If we do so, you assign and transfer to us all right and claims(excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant for the credits amount. And you must cooperate with us if we decide to do so.
Assigning Claims. If you dispute a charge with a merchant, we may We do not waive our rights credit the Account for all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant for the credited amount. And you must cooperate with us if we decide to do so. We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion. Governing law New York law and federal law govern this Agreement and your Account. They govern without regard to internal principles of conflicts of law. We are located in New York. We hold your Account in New York. We entered into this Agreement with you in New York. Claims Resolution Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first card
