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 may be that: You can refuse certain parts of your credit card agreement, such as the arbitration clause, but it depends on the credit card issuer. 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. A credit card is more than just a piece of plastic that allows you to spend money. This is a way to access the credit limit that the card issuer has agreed to allow you to borrow. Your account contains certain provisions that you must comply with if you want to continue using your credit card and to prevent your balance from being affected. Your credit card rules are outlined in your credit card contract, a type of contract that describes credit card conditions, conditions, prices and penalties. 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. Under the Truth in LENDING Act (TILA) of 1968, credit card issuers are prohibited from providing misleading information about their offers and must clearly explain the terms and conditions of their credit cards in the cardholder`s contract. Customers who wish to accept a new credit card should therefore carefully check their cardholder agreement to confirm that the actual provisions of the card are as advertised. 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. Look on the back of the credit card or check your latest monthly payment to find the exhibitor`s name. The bank, retailer or any other organization whose name appears on the front of the card may not be the real issuer of the card. You can also check the issuer`s website; As a general rule, the bank`s name is shown at the bottom of the issuer`s home page.
Have you recently been admitted for a credit card? congratulations! Price and final fee information depends on your credit history, so your actual prices and terms are on your credit card contract.