Cardholder Agreement American Express

The GFPB maintains a database containing credit card agreements between hundreds of card issuers. With the following tool, you can search for an agreement using the issuer`s name. If none of these reasons are correct and you still can`t reach an agreement, call them to ask for a copy of your contract. Under federal law, your credit card issuer is required to provide a copy of your contract upon request. The drop-down list includes credit card issuers who have submitted credit card agreements under Section 204 of the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) of 2009. If you can`t find a card issuer, it can be: we`ve put together marketing agreements for credit card issuers with universities or related organizations. We are also required to report to Congress on the status of credit card agreements in universities. The agreements to be put in place contain general terms, prices and information on fees. They are not specific to a person`s account information. If you have any questions about the agreements yourself, speak directly to the card issuer.

A cardholder contract is a legal document that describes the conditions under which a credit card is offered to a customer. Among other things, the cardholder`s agreement indicates the annual percentage (APR) of the card as well as the calculation of the minimum card payments. This search method applies to all credit card agreements from the last quarterly collection of credit card agreements by the GFPB. To access all past or past agreements, click on the link below. (Please note that the Office has not put together any agreements for 2015. The January 2016 archives are a sample collected by Bureau staff during the first week of January 2016 from the public websites of the largest credit card issuers and is not a complete set of agreements). Credit card issuers are generally required to publish credit card agreements on their websites that they offer to the public, with limited exceptions. If you are an issuer, send a E-Mail-CardAgreements@consumerfinance.gov for the introductory instructions of the agreement.

Although their details vary, most cardholder agreements are written in a simple format and tone. They deal with key issues such as the services available to the cardholder; The cardholder`s obligations to the issuing company; Interest rates, penalties and other charges that may be incurred in different circumstances; and methods of resolving disputes between the cardholder and the issuer if they occur. If you are looking for specific information for your account, contact the bank or institution that issued your card. By law, the issuer must provide you with your consent upon request. If you are having trouble obtaining your consent, let us know by filing a complaint. We include consumer credit card agreements in this database, as the respective issuers have submitted. The GFPB is not responsible for the content of the agreements, including any discrepancies between an agreement as presented in the database and the agreement, as proposed to the public, or omissions or other errors in the agreement, as presented by the issuer. We have provided this database to allow you to search for agreements between credit card issuers and their customers.