You may be able to unsubscribe from certain parts of your credit card agreement, such as the arbitration clause. B, but it depends on the credit card issuer. Credit card contracts are not the easiest to read. A 2018 study by Science Direct found that the average credit card contract is written on a grade 8 to 9, higher than the average U.S. reading level. More complex credit card contracts were associated with higher financing costs. Choose a sample card member agreement The sample card member agreement below contains terms and conditions, interest rates, and fee information based on our recent consumer credit card offerings. They are provided to help you make informed decisions about which offers are best suited to your needs. The content below is updated quarterly and in PDF format. If your credit card comes with a rewards program, details on how to earn and redeem points will be listed in your credit card agreement. We will refer your issue to your credit card company, give you a tracking number, and keep you informed of the status of your complaint. Here you will find instructions, your rights regarding your creditworthiness and the protection of your credit card. Request a copy of your credit card agreement in four simple steps: Are you looking for a credit card? Make a more informed decision by reading an example of a credit card agreement before applying.
Learn more about rates and fees so you can decide if a card is right for you. The final pricing and fee information will depend on your credit history, so keep in mind that the following credit card agreements are just examples (PDF, Adobe Reader layers required). Stored agreements contain terms and conditions, prices and fee information. They are not specific to someone`s account information. Applying for a new credit card? More information about the app Please read the document with the prices and conditions of the offer for more information on interest rates, fees and applicable fees. Have you recently been approved for a credit card? Congratulations! The final pricing and fee information will depend on your credit history, so your actual prices and terms can be found in your credit card agreement. You can find it online and come with your credit card when it arrives in the mail. Already have a Bank of America credit card®? Log in to online banking and request a copy of your credit card agreement. If you have any questions about the agreements themselves, contact the card issuer directly. We will display consumer credit card agreements in this database as and when the respective exhibitors have submitted them.
The CFPB is not responsible for the content of the agreements, including any discrepancies between an agreement as presented in this database and the agreement as made available to the public, or for any omission or other error in the agreement as submitted by the issuer […].