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. How to Avoid 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
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 • April 19th, 2024
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
CITIBANK VISA/MASTERCARD® CARDMEMBER’S AGREEMENTCardmember Agreement • February 6th, 2024
Before you use the Citibank Visa/Mastercard, please read this agreement thoroughly. By signing on or using the card, you are accepting the terms and conditions of this agreement and will be bound by them. Your use of the card is governed by this agreement.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • October 20th, 2023
Interest Rates Annual Percentage Rate (APR) for Pay OverTime 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 a
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 • 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
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 to your account if you: 1) make a payment that is returned;2) make 2 late payments in 12 billing periods; or3) do not pay 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 Will the Penalty APR Apply? If the penalty A
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • April 8th, 2024
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
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
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • April 10th, 2024
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
THE PARTIES TO THE AGREEMENTCardmember Agreement • July 18th, 2024
The parties to this Cardmember Agreement (the “Agreement”) are AMEX (Middle East) B.S.C. (c) (“AEME”) and the Cardmember whose name appears on the Card (the “Cardmember” or “CM”). Please read this Agreement carefully since the use of the
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 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 Agreement ICBC Visa Credit CardCardmember Agreement • February 27th, 2023
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 INTO HALF AND RETURN THE PIECES TO US. OTHERWISE, 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.
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
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.
CITI SMRT PLATINUM VISA CARDMEMBER’S AGREEMENTCardmember Agreement • August 24th, 2021
Before you use the Card (as defined below), please read this agreement thoroughly. By signing on or using the Card, you are accepting the terms and conditions of this agreement. You acknowledge that the Card incorporates a stored value facility in the form of the ez-link Facility (as defined below), of which EZ-Link Pte Ltd is the holder and operator.
OCBC CARDMEMBERS AGREEMENTCardmember Agreement • October 22nd, 2024
This Agreement contains the terms and conditions applicable to your Card(s) and your Card Account(s). Please read them carefully before you sign or use the Card(s). Upon signing or using the Card(s), you will be bound by this Agreement.
AMEX BANK OF CANADA – CARDMEMBER AGREEMENT AND OTHER IMPORTANT INFORMATIONCardmember Agreement • March 27th, 2024
This document along with the information box and disclosure statement make up the agreement for your account with us (called your account).
HSBC Elite World Elite Mastercard® Cardmember AgreementCardmember Agreement • November 6th, 2022 • Virginia
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 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
BOC CARDMEMBER AGREEMENT (PERSONAL CARD)Cardmember Agreement • October 20th, 2023
CENTURION® CARDMEMBER AGREEMENTCardmember Agreement • April 16th, 2024
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
ContractCardmember Agreement • August 11th, 2023 • South Dakota
Cardmember Agreement for Dacotah Bank Secured Card This credit card program is issued and administered by Dacotah Bank. This information is accurate as of 08/2023.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 29.24%This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 29.24% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 29.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When It Applies There is no Penalty Rate for your Account. Paying Interest Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Advances and Balance Transfers on the transaction date. Minimum Interest Charge
CARDMEMBER AGREEMENTCardmember Agreement • November 29th, 2022
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.
SABB American Express® Corporate CardCardmember Agreement • May 21st, 2018
The parties to the Agreement are American Express Saudi Arabia, the Cardmember and the Company whose names appear on the Card.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 10th, 2018
Interest Rates Annual Percentage Rate Prime Rate + 10.99% to Prime Rate + 19.99% (APR) for Pay Over Time Feature This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Prime Rate + 25.99% Applies 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 Your due date is at least 25 days after t
CITIBANK BUSINESS/CORPORATE GOLD CARD CARDMEMBER’S AGREEMENTCardmember Agreement • September 17th, 2013
Before you use the Card, please read this agreement thoroughly. By signing on or using the card, you are accepting the terms and conditions of this agreement and will be bound by them. Your use of the card is governed by this agreement (as amended from time to time).
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.
Greenlight Family Cash Mastercard® Cardmember AgreementCardmember Agreement • October 25th, 2023
Thank you for becoming a cardmember. This document along with the Schedule and Privacy Policy lists the terms that apply to your Greenlight Family Cash Mastercard account issued by First National Bank of Omaha. When you make transactions with your account, First National Bank of Omaha will lend you money by paying for these transactions and you agree to pay us back. When you use the account, this means you also agree to 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).
