Credit Cards About 57% of first-year students reported having at least one credit card, although just 15% have two or more cards. Among those students who have credit cards, 87% reported that they pay off their balance each month and, as such, their current credit card balance is zero; however, when asked what their current credit card balance is, just 36% said it is zero. Among those with an unpaid balance, the average credit card debt is $1,047. Table 47: Credit cards All students (n=18,092) Group University of Ottawa (n=1,477) 1 (n=6,335) 2 (n=6,712) 3 (n=5,045) Number of credit cards (FIN1) None 43% 53% 43% 36% 38% One 42% 35% 42% 48% 49% Two 6% 4% 6% 6% 7% Three or more 9% 9% 9% 9% 6% Regularly pay off balance each month* (FIN2) Yes 87% 83% 88% 87% 88% Total credit card balance* (FIN3) Zero 36% 34% 35% 38% 40% $500 or less 9% 9% 9% 9% 9% $501 to $1,000 3% 3% 2% 3% 3% Over $1,000 2% 2% 1% 2% 2% Don't know 51% 52% 53% 48% 46% Average (all with credit card) $196 $268 $158 $205 $221 Average (those with unpaid balance) $1,047 $1,450 $803 $1,041 $1,090 * Total credit card balance and payment of the balance were asked of those who had at least one credit card.
Merchant has the power and authority to authorize the automatic funds transfer provided for in the Merchant Agreement;
Credit Card Authorization I understand and consent to the use of the credit card provided without original signature on the charge slip for both the initial deposit, due at time of booking, and the balance due as noted in this agreement. Agent may process the credit card automatically upon the due date without additional notice. I understand that by "clicking" that I have read the terms and conditions of this property, I am bound by this Rental Agreement and I have signed "electronically, and that this Credit Card Authorization cannot be revoked and will not terminate until 90 days after leased premises are vacated. Charges may include but not limited to: unauthorized long distance telephone, cable, satellite TV or internet charges, pet damage, shipping charges, damages beyond normal wear and tear. If the credit card used to pay all or part of the charges due on this reservation is in a name different than the name of the Tenant, then the person whose credit card is being used must sign and return our supplement agreement acknowledging that they will accept the charges and are agreeing to be bound by the terms of this Agreement. Failure to sign that supplemental agreement will result in cancellation of the reservation. In the event that the booking is selected for addional security checks, then the Tenant agrees to provide a copy of a valid government ID and a copy of their credit card to Agent. Failure to complete each phase of this additional security check will result in the reservation being cancelled. Please remember that you are renting a private home. NO PARTIES, EVENTS or PERFORMING ARTISTS OR BANDS ARE ALLOWED. These are cause for eviction with no refund and may damage our ability to offer the home for future guests exposing you to liability and damages. Please treat the property with the same respect you would like shown in your own home.
Sub-processing 11.1 The data importer shall not subcontract any of its processing operations performed on behalf of the data exporter under the Clauses without the prior written consent of the data exporter. Where the data importer subcontracts its obligations under the Clauses, with the consent of the data exporter, it shall do so only by way of a written agreement with the sub-processor which imposes the same obligations on the sub-processor as are imposed on the data importer under the Clauses. Where the sub-processor fails to fulfil its data protection obligations under such written agreement the data importer shall remain fully liable to the data exporter for the performance of the sub-processor's obligations under such agreement.
Visa Debit Card You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.
