PLATINUM 
CASHBACK 
REWARDS 
MASTERCARD® 

AGREEMENT 
BILLING RIGHTS 
& 
CREDIT CARD 
DISCLOSURE 

IMPORTANT 

KEEP THIS NOTICE 
FOR FURTHER USE 

MC028 R 04/2022 

 
 
 
 
Interest Rates and Interest Charges 

MasterCard® 
Credit Cards 

Annual 
Percentage 
Rate (APR) 
for Purchases 

APR for 
Balance 
Transfers 

APR for Cash 
Advances 

Platinum CashBack Rewards 

14.15% to 18.00% 
when you open your account, based on 
your creditworthiness and other factors. 
After that, this APR will vary with the 
market based on the Prime Rate. 

0% Introductory APR for 
Balance Transfers made during the first 
90 days from the date of account 
opening. Introductory APR does not 
apply to purchases. Promotional 
balances will remain at 0% APR for 12 
months starting from date of initial 
Balance Transfer request. Beginning 
with the thirteenth month, your APR will 
be 14.15% to 18.00% based on your 
creditworthiness and other factors. This 
APR will vary with the market based on 
the Prime Rate. 
0% Introductory APR for 
Cash Advances made during the first 
90 days from the date of account 
opening. Introductory APR does not 
apply to purchases. Promotional 
balances will remain at 0% APR for 12 
months starting from the date of the 
initial Cash Advance request. Beginning 
with the thirteenth month, your APR will 
be 14.15% to 18.00% based on your 
creditworthiness and other factors. This 
APR will vary with the market based on 
the Prime Rate. 

Penalty APR 
and When it 
Applies 

None 

Minimum 
Interest 
Charge 

None 

Your due date is at least 25 days after the 
close of each billing cycle. We will not 
charge you any interest on purchases if 
you pay your ENTIRE balance, including 
Balance Transfers and Cash Advances, 
by the due date each month. If the 
ENTIRE balance is not paid, then interest 
will be charged on any purchases, but not 
on the Balance Transfers or Cash 
Advances made during the first 90 days of 
the account opening.  
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/l
earnmore. 

Fees 

How to Avoid 
Paying 
Interest on 
Purchases  

For Credit 
Card Tips 
from the 
Consumer 
Financial 
Protection 
Bureau 

Annual Fee 

None 

Transaction Fees 

• Balance Transfer 

None 

• Cash Advance 

2% of the amount of 
each Cash Advance 

• Foreign Transaction 

None 

Penalty Fees 

• Late Payment 

Up to $25 

• Over the Credit Limit 

None 

• Returned Payment 

Up to $24 

Other Fees 

None 

How We Will Calculate Your Balance: 
We use  a  method  called  “average  daily  balance  (including 
new purchases).” See the terms and conditions of your credit 
card agreement for more details.  

Billing  Rights:  Information  on  your  rights  to  dispute 
transactions and how to exercise those rights is provided in 
your credit card agreement. The information about the costs 
of the cards described in this application are accurate as of 
04/2022.This information may have changed after that date. 
To find out what may have changed, call us at 1-800-580-
3300  or  write  to  us  at:  Randolph-Brooks  Federal  Credit 
Union, P.O. Box 2097, Universal City, Texas 78148. 

You specifically grant the Credit Union a lien and consensual 
security interest in all individual and joint accounts, present 
and  future  shares  and  deposits  held  in  any  accounts  you 
have with us now and in the future to secure repayment of 
credit extensions made under this agreement. The granting 
of this security interest is a condition for the issuance of any 
card,  which  you  may  use,  directly  or  indirectly,  to  obtain 
extensions  of  credit  under  this  agreement.  This  does  not 
apply  to  shares  in  an  Individual  Retirement  Account  or 
Simplified  Employee  Plan  qualifying  as  such  under  the 
Internal Revenue Code. You authorize the Credit Union to 
take  money  from  any  non-exempt  account  and  apply  it  to 
what you owe, if you are in default. 

DEFINITIONS:  “Agreement”  means  this  RBFCU  Platinum 
CashBack  Rewards  Mastercard®  Agreement.  “You,”  “Your,” 
and “Cardholder” mean any person who signs the Application 
or  uses  the  card.  “Card”  and  “Account”  mean  the  RBFCU 
CashBack  Rewards  Mastercard  which  we  issue  under  this 
Agreement and includes any device or check used to obtain 
credit or cash from the credit card account. The terms “our,” 
“we,”  “us,”  or  “Credit  Union”  refers  to  RBFCU  or  any  of  its 
assignees. “Use of the card” means any procedure used by 
you, or someone authorized by you, to make a purchase or 
obtain  a  Cash  Advance  whether  or  not  the  purchase  or 
advance  is evidenced by  a signed document.  “ATM”  means 
automated  teller  machine.  “Unauthorized  use  of  the  card” 
means the use of the card by someone other than you, who 
does not have actual, implied, or apparent authority for such 
use, and from which you receive no benefit. 

1. AGREEMENT:  This  Agreement  governs 

the  use  of 
your credit card account with us and you agree to be bound 
by  the  terms  of  the  Agreement.  If  your  account  is  a  joint 
account, all of you will be jointly and individually responsible 
for  all  amounts  due  under  this  Agreement.  If  your 
application  is  approved,  the  Credit  Union  may,  at  its 
discretion,  establish  a  Credit  Card  account  in  your  name 
and cause one or more cards to be issued to you or those 
designated by you. In such event, you authorize the Credit 
Union  to  pay  for  your  account,  all  items  reflecting  credit 
purchases,  Balance  Transfers,  and  Cash  Advances 
obtained  through  the  use  of  the  Card.  You  agree  to 
immediately sign the back of the Card upon receipt in order 
to  ensure  proper  use.  You  may  purchase  goods  and 
services  by  using  your  Card  at  any  retail  business 
establishment  authorized  to  honor  the  Card.  You  may 
obtain Cash Advances through the use of your Card at a 
financial 
to  make  such  Cash 
Advances.  All  retail  purchases  and  Cash  Advances  are 
made  at  the  option  of  the  merchant  or  Cash  Advancing 
institution. The Credit Union is not responsible for refusal by 
any merchant or Cash Advancing institution to honor your 
Card.  Any  refund,  adjustment,  or  credit  allowed  by  a 
merchant will be by a credit advice to the issuer of your Card 
and will be shown as a credit on your periodic statement. 

institution  authorized 

2. CREDIT LIMITS: You promise the purchases made or Cash 
Advances received on your Card will not exceed the credit 
limit disclosed to you at the time you receive your Card or 
the credit limit adjusted by the Credit Union. 

3. PROMISE TO PAY: You promise to repay the Credit Union 
for  all  payments  made  for  your  account  together  with  an 
INTEREST CHARGE on the unpaid balance. At the end of 
each  billing  cycle  you  will  be  furnished  with  a  periodic 
(the 
the 
statement  showing 
outstanding balance in the account at the beginning of the 
billing cycle), (ii) the amount of all Cash Advances, Balance 
Transfers, purchases, and INTEREST CHARGES posted to 
your Account during the billing cycle, (iii) the amount of all 
payments  and  credits  posted  to  your  Account  during  the 
billing cycle, and (iv) the ”new balance” which is the sum of 

“previous  balance” 

(i) 

 
(i)  and  (ii)  less  (iii).  You  agree  to  pay  on  or  before  the 
“payment due date” shown on the periodic statement either 
the  entire “new  balance”  or  a  minimum  payment  equal  to 
2% of the new balance or $25, whichever is greater. You 
also agree to pay on or before the “payment due date” as 
shown on the periodic statement any amount in excess of 
the  credit  limit  established  by  us  and  any  past  due  
minimum payments.  

4. COST  OF  CREDIT:  You  agree  to  pay  an  INTEREST 
CHARGE  on  your  Account.  This  section  discloses  the 
circumstances under which an INTEREST CHARGE will be 
imposed  and  explains  how  the  INTEREST  CHARGE 
is determined: 

a.When  INTEREST  CHARGES  begin  to  Accrue.  The 
INTEREST  CHARGE  begins  to  accrue  for  retail 
purchases on the date each transaction posts to your 
Account. An INTEREST CHARGE begins to accrue for 
Balance  Transfers,  Cash  Advances, 
including 
convenience checks, on the date of the Cash Advance, 
or the first date of the billing cycle, in which the Balance 
Transfer or Cash Advance is posted, whichever is later. 
If you pay the entire previous balance in full within 25 
days after the previous statement date, no INTEREST 
CHARGE will be imposed except for Balance Transfers 
and Cash Advances, including convenience checks.  

b.Balance Subject to INTEREST CHARGE. We figure the 
INTEREST CHARGE on your Account by applying the 
periodic  rate  to  the  “average  daily  balance"  of  your 
Account  (including  current  transactions).  To  get  the 
“average daily balance,” we take the beginning balance 
of  your  Account  each  day,  add  any  new  purchases, 
Balance Transfers, Cash Advances and fees, subtract 
any  payments  or  credits,  and  exclude  any  unpaid 
INTEREST CHARGES. This gives us the daily balance. 
Then,  we  add  up  all  the  daily  balances  for  the  billing 
cycle and divide the total by the number of days in the 
billing 
“average 
gives 
daily balance.” 

cycle.  This 

the 

us 

c.RATE  of  INTEREST  CHARGE.  You  will  pay  an 
INTEREST  CHARGE  for  all  charges  and  advances 
made  against  your  Platinum  CashBack  Rewards 

Mastercard  account.  You  may  pay  any  amount 
outstanding  at  any  time  without  penalty  for  early 
payments. Your actual ANNUAL PERCENTAGE RATE 
(APR) will be determined based on your creditworthiness 
and other factors and will be provided to you in writing if 
your application is approved. The APR is based on the 
U.S. Prime Rate (“Prime Rate”), and the APR will equal 
the Prime Rate plus an additional amount. If the Prime 
Rate increases, it will cause the APR to increase. If the 
Prime Rate decreases, it will cause the APR to decrease. 
The  APR  is  subject  to  change  quarterly.  We  use  the 
Prime Rate published in The Wall Street Journal seven 
(7) days prior to the end of the quarter. If the Prime Rate 
causes an APR to change, we put the new APR into effect 
as of the first day of the next billing period after the start 
of  the  January,  April,  July  or  October  billing  cycle  for 
which we calculate the APR. We apply the new APR to 
any  existing  balances,  subject  to  any  promotional  rate 
that  may  apply.  If  The  Wall  Street  Journal  does  not 
publish the Prime Rate, we will use a similar published 
rate. If your APR is 14.15% (Prime + 10.65%), you will 
accrue an INTEREST CHARGE at a rate of 1.1792% per 
month. If your APR is 16.15% (Prime + 12.65%), you will 
accrue an INTEREST CHARGE at a rate of 1.3458% per 
month. If your APR is 18.15% (Prime + 14.65%), you will 
accrue an INTEREST CHARGE at a rate of 1.5125% per 
month. If your APR is 22.15% (Prime + 18.65%), you will 
accrue an INTEREST CHARGE at a rate of 1.8458% per 
month.  However,  regardless  of  the  index  value,  the 
Annual  Percentage  Rate  is  currently  capped  by 
regulation  at  18.00%  (which  corresponds  to  a 
monthly  periodic  rate  of  1.5000%).  RBFCU  reserves 
the  right  to  increase  the  maximum  interest  rate  if 
permitted by law or regulation. 

5.OTHER  CHARGES:  Late  Fee:  If  you  do  not  pay  your 
minimum payment within 15 days following your payment 
due date, you may be charged a late fee of up to $25.  

Returned  Payment  Fee:  We  will  add  a  fee  to  your 
balance  of up  to  $24  when  a  payment  check  or  similar 
instrument  is  not  honored,  when  we  must  return  it 
because it cannot be processed, or when an automatic 
debit is returned unpaid. At our option, we will assess this 

fee the first time your check or payment is not honored, 
even  if  it  is  honored  upon  resubmission.  If  you  take  a 
Cash Advance by using an automated teller machine, it is 
possible  you  will  be  charged  a  fee  by  the  owner  or 
operator  of  the  machine.  Cash  Advance  Fee:  A  fee 
equivalent to 2% of the amount of each Cash Advance 
will be assessed. This will be charged separately from the 
total amount of each Cash Advance requested. 

6.LIABILITY  FOR  UNAUTHORIZED  USE:  You  may  be 
liable for the unauthorized use of your Card. If you notice 
the loss or theft of your Card or a possible unauthorized 
use  of  your  Card,  you  should  call  our  designee 
immediately at: (866) 839-3485. You may also write to our 
designee at: Customer Service, P.O. Box 30495, Tampa, 
FL 33630.  

Although  you  may  write  to  notify  our  designee  of 
unauthorized use, calling our designee immediately at the 
telephone number above is the best way to protect your 
account. 

Under Mastercard’s zero liability policy, you will not be 
liable for unauthorized use of your Mastercard once you 
notify our designee orally or in writing of the loss, theft, 
of possible unauthorized use and you meet the following 
conditions:  (i)  you  have  exercised  reasonable  care  in 
safeguarding your Mastercard from risk of loss or theft, 
and (ii) you have, upon becoming aware of the loss or 
theft, promptly reported the loss or theft to our designee.  

You  will  not  be  liable  for  any  unauthorized  use  that 
occurs after you notify our designee. You may, however, 
be  liable  for  unauthorized  use  that  occurs  before  your 
notice to our designee. In any case, your liability will not 
exceed $50.00. The foregoing liability limitations do not 
apply to (i) Card use from which any cardholder receives 
a benefit; or (ii) use of the Card by a person with actual, 
implied, or apparent authority. 

7.CREDITING OF PAYMENTS: We will accept payments 
at  the  address  indicated  on  the  Platinum  CashBack 
Rewards Mastercard periodic statement. All payments will 
be credited to your Account promptly, in most cases as of 
the day of receipt. If payment is made by other means such 

as RBFCU Online Banking or at an RBFCU branch, credit 
for such payment may be delayed up to seven (7) days. 
You understand and agree that payments will be applied 
in the following order: (i) To the late charge and fees, (ii) to 
INTEREST CHARGES, (iii) to Cash Advances and (iv) to 
purchases.  All  payments  made  by  you  must  be  in 
U.S. dollars.  

8.INTERNATIONAL  TRANSACTIONS:  If  you  effect  an 
international transaction with your Mastercard, Mastercard 
Worldwide  will  convert  the  charge  into  a  U.S.  dollar 
amount.  Mastercard  Worldwide  will  use  its  currency 
conversion  procedure,  which  is  disclosed  to  institutions 
that  issue  Mastercard  cards.  Currently,  the  currency 
to 
conversion  rate  used  by  Mastercard  Worldwide 
determine the transaction amount in U.S. dollars for such 
transactions  is  generally  either  a  government-mandated 
exchange rate or a wholesale exchange rate selected by 
Mastercard Worldwide for the applicable currency on the 
day the transaction is processed, which may differ from the 
applicable  rate  on  the  date  the  transaction  occurred  or 
when the transaction is posted to your account. RBFCU 
does not charge any fees for foreign currency transactions. 

9.DEFAULT: You understand you will be in default (i) if you 
fail to make any payment on time; (ii) if you fail to notify 
the Credit Union in writing of any change of your name, 
address,  or  employment;  (iii)  if  you  die,  become 
insolvent, or are the subject of an order of relief under 
the U.S. bankruptcy laws; (iv) if you are the subject of 
any  legal  process  which  seeks  to  attach  any  of  your 
Credit Union share accounts; (v) if you have given the 
Credit Union false or inaccurate information in obtaining 
the  Card  or  in  any  request  for  an  Advance  under  this 
Agreement or any update of your Account; (vi) if anything 
happens  which  the  Credit  Union  reasonably  believes 
endangers your ability to repay what you owe, including, 
but not limited to, leaving your current employment, or if 
something  happens 
that  endangers  any  collateral 
securing this Agreement; (vii) if you fail to report the Card 
lost  or  not  in  your  possession;  (viii)  if  you  break  any 
promise  you  made  under  this  or  any  other  agreement 
with the Credit Union.  

10.NON-WAIVER:  We  can  accept  late  payments  or 
partial  payments  or  checks  or  money  orders  marked 
“payment  in  full”  without  losing  our  rights  under  this 
Agreement.  We  can  also  delay  enforcing  any  of  our 
rights  under  this  Agreement  without  losing  them.  Our 
failure to take action following any event of default shall 
not constitute a waiver of our right to take action in the 
event of a future default.  

11.ACCELERATION: In the event that you are in default, 
we may declare any amounts you still owe immediately 
due and payable plus INTEREST CHARGES which will 
continue  to  accrue  until  the  entire  amount  you  owe  is 
paid. You expressly waive presentment, demand, notice 
of intention to accelerate, and notice of acceleration of 
the  maturity  of  any  amounts  owing  under 
this 
Agreement. The Card remains the property of the Credit 
Union  at  all  times  and  you  agree  to  immediately 
surrender the Card upon demand. You agree that, once 
you are informed by the Credit Union or its designee that 
your account is in default, you will not attempt to make 
further Cash Advances, Balance Transfers or purchases 
on the Card. You agree to pay all reasonable costs of 
collection, including court costs and attorney’s fees, and 
any costs incurred in the recovery of the Card.  

12. AUTHORIZED  USERS:  An  authorized  user 

is  an 
individual  who  has  charging  privileges  on  a  credit  card 
account  even  though  he  or  she  is  not  the  primary 
Cardholder. The primary Cardholder is solely responsible 
for the Account. The primary Cardholder must notify the 
authorized user that the Account will be reported to a credit 
bureau and thus will show up on their credit report, which 
can  impact  them  positively  or  negatively,  depending  on 
how  the  Account  is  handled.  You  agree  to  pay  for  all 
purchases and  Cash Advances  made  by  anyone  whom 
you  authorize  to  use  a  Card  issued  on  your  credit  card 
account. If at any  time the primary  Cardholder  wants  to 
terminate that person’s privilege as an authorized user, the 
primary  Cardholder  must  contact  us.  At  that  time,  since 
credit Cardholders share the same card number, all cards 
associated  with  the  Account  will  be  blocked  to  prevent 
future  unauthorized  usage.  Any 
remaining  active 
Cardholders  will  receive new  cards  with a new  number. 

The  primary  Cardholder  agrees  to  notify  all  associated 
parties. 

INFORMATION  ABOUT  AUTHORIZED  USERS:  By 
providing  us  certain  personal 
information  about  each 
authorized  user,  you  confirm  each  authorized  user  has 
allowed you to give us personal information. This may include, 
but is not limited to, name, address, Social Security number, 
date of birth and citizenship status 

TO 

13. NOTIFICATION  ADDRESS  FOR 
CONSUMER 

INFORMATION 
REPORTING 
REPORTED 
AGENCIES:  Periodically,  we  may  report  the  status 
and  payment  history  of  your  account  to  credit 
the 
reporting  agencies. 
information  we  have  reported  is  inaccurate  or 
incomplete,  please  notify  us  in  writing  at:  RBFCU, 
Attn: Credit Disputes, P. O. Box 2097, Universal City, 
TX 78148-2097. Please include your name, address, 
telephone 
and 
description of your problem.  

If  you  believe 

numbers, 

account 

number 

that 

14.  CREDIT  INVESTIGATION:  In  conjunction  with  your 
application  for  credit  and,  if  approved,  maintenance  of 
your  Account,  you  agree  that  we  have  the  right  to 
investigate your credit and employment history, to verify 
your credit references, to request and use credit reports, 
and  to  report  the  way  you  pay  your  Account  to  credit 
bureaus and other interested parties.  

15. ADDITIONAL  PROVISIONS:  Each  provision  of  this 
Agreement  must  be  considered  as  part  of  the  total 
Agreement and cannot, in any way, be severed from it. 
However,  you  also  agree  that  should  any  part  of  the 
Agreement be found invalid, it will in no way affect the 
remainder  of  the  Agreement.  You  understand  the 
validity,  construction,  and  enforcement  of 
this 
Agreement shall be governed by the laws of the State of 
Texas.  The  Credit  Union  does  not  warrant  any 
merchandise  or  services  purchased  by  you  with  the 
Card. Notwithstanding any other provisions contained in 
this  Agreement,  we  do  not  intend  to  charge,  and  you 
shall not be required to pay, any amount of INTEREST 
CHARGES or other fee or charge that is in excess of the 
maximum permitted by applicable law. Any payments in 

excess  of  the  maximum  shall  be  refunded  to  you  or 
credited against your principal balance at our option.  

16. TERMINATION OR CHANGES: The Credit Union can, 
with or without written notice, terminate this Agreement 
at  any  time.  You  may  terminate  this  Agreement  by 
written  notice,  as  to  future  advances  at  any  time. 
Termination  by  either  party  shall  not  affect  your 
obligation to repay any payments made for your account 
resulting  from  use  of  the  Card  as  well  as  INTEREST 
CHARGES and other related charges. The Credit Union 
has the right to add to, delete, or change the terms of 
this  Agreement,  including  the  periodic  rate.  If  you  use 
your  Card  to  make  a  purchase,  perform  a  Balance 
Transfer  or  obtain  a  Cash  Advance  after  having  been 
given  notice  of  a  change  in  terms,  you  agree  that  the 
existing balance in your Account at the time of that use 
will  be  subject  to  the  new  terms,  as  shall  subsequent 
uses. You expressly agree that, at our option, we may 
decline  to  renew  your  account  beyond  the  expiration 
date shown on the face of your card without notice. 

17. LIEN  AND  SECURITY  INTEREST:  If  you  have  other 
loans with the Credit Union, now or in the future, (except 
for  loans  secured  by  any  dwelling),  collateral  securing 
those loans may also secure your obligations under this 
Agreement.  Please  read  any  security  agreement  you 
sign in order to determine if the collateral also secures 
your  obligations  under 
this  Agreement  and  other 
agreements you have with us. 

18. ILLEGAL CARD USE: You may not use your Card for 
any illegal transaction. You agree that we may decline to 
process any transaction which we believe in good faith 
to be for an illegal purpose. You agree that we will not be 
liable for declining to process any such transaction. If we 
do  process  any 
is 
determined  to  have  been  for  an  illegal  purpose,  you 
agree  that  you  will  remain  liable  to  us  under  this 
Agreement for any such transaction notwithstanding its 
illegal nature. You agree that any illegal use of the Card 
will be deemed an act of default under this Agreement. 
You further agree to waive any right to take legal action 
against  us  for  your  illegal  use  of  the  Card  and  to 

transaction  which  ultimately 

indemnify  and  hold  us  and  Mastercard  Worldwide 
harmless  from  and  against  any  lawsuits,  other  legal 
action, or  liability  that  results  directly  or  indirectly  from 
such illegal use.  

19. CASHBACK  REWARDS:  The  Cashback  Rewards 
Program pays a reward equivalent to 2% of the transaction 
amount for each qualified purchase completed with your 
Card.  ATM  withdrawals,  Balance  Transfers,  Cash 
Advances,  finance  charges,  fees  and  any  other  non-
purchase transactions do not qualify for rewards. The cash 
back is redeemable online or is paid once a year after the 
Program calendar year ends on September 30. Your Card 
must be open and in good standing at the time of reward 
redemption.  Cash  rewards  are  forfeited  if  your  Card  is 
closed  before  redemption.  The  annual  payout  of  the 
reward may be made by direct deposit to a deposit account 
of  your  choosing.  We  reserve  the  right  to  disqualify 
transactions  that  are  not  usual  or  customary  and  are 
apparently structured or intended to abuse the program. 
Abuse of the program may result in loss of rewards and 
Card privileges. We may add to, change, or delete any of 
the terms of this program or discontinue this program at 
any time at our sole and absolute discretion.  

20. AGREEMENT  AND  ACKNOWLEDGMENT:  You 
acknowledge and agree that the use of the Card by you 
or  anyone  authorized  by  you  shall  constitute  your 
acknowledgment that you have received and read this 
Agreement  and  that  you  agree  to  the  terms  and 
conditions  and  promise  to  perform  all  the  obligations, 
requirements,  and duties  contained  in  this Agreement. 
Use of this card by you or anyone you authorize will 
also  constitute  consent  to  the  pledge  of  shares  or 
deposits as described above.  

It 

is 

21. CARDHOLDER  RESPONSIBILITY: 

the 
to  update  Card 
the  cardholder 
responsibility  of 
information with any third party or automatic bill payment 
service upon receiving a reissued or replacement card. 
The  Credit  Union  does  not  update  or  provide  Card 
information to any third party or bill payment service that 
the cardholder may have previously authorized. 

 
YOUR BILLING RIGHTS:  
KEEP THIS DOCUMENT FOR FUTURE USE 
This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act.  

WHAT TO DO IF YOU FIND A MISTAKE  
ON YOUR STATEMENT 
If you think there is an error on your statement, write to our 
designee at: Customer Service, P.O. Box 30495, Tampa, FL 
33630. 
In your letter, give us the following information: 

• Account information: Your name and account number. 

• Dollar amount: The dollar amount of the suspected error. 

•  Description of problem: If you think there is an error on 
your bill, describe what you believe is wrong and why you 
believe it is a mistake.  

You must contact us: 

• Within 60 days after the error appeared on your statement. 

• At least 3 business days before an automated payment is 
scheduled,  if  you  want  to  stop  payment  on  the  amount 
you think is incorrect.  

You must notify us of any potential errors in writing. You may 
call  us,  but  if  you  do  we  are  not  required  to  investigate  any 
potential  errors  and  you  may  have  to  pay  the  amount 
in question.  

WHAT WILL HAPPEN AFTER  
WE RECEIVE YOUR LETTER 

When we receive your letter, we must do two things:  

1. Within 30 days of receiving your letter, we must tell you 
that  we  received  your  letter.  We  will  also  tell  you  if  we 
have already corrected the error.  

 
 
2. Within  90  days  of  receiving  your  letter,  we  must  either 
correct the error or explain to you why we believe the bill 
is correct.  

While we investigate whether or not there has been an error:  

• We cannot try to collect the amount in question, or report 

you as delinquent on that amount. 

• The charge in question may remain on your statement, 
and  we  may  continue  to  charge  you  interest  on 
that amount. 

• While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance. 

•  We  can  apply  any  unpaid  amount  against  you  credit 

limit.  

After we finish our investigation, one of two things will happen: 

•  If  we  made  a  mistake:  You  will  not  have  to  pay  the 
amount in question or any interest or other fees related 
to that amount. 

• If we do not believe there was a mistake: You will have to 
pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report 
you as delinquent if you do not pay the amount we think 
you owe.  

If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell 
you  the  name  of  anyone  to  whom  we  reported  you  as 
delinquent, and we must let those organizations know when the 
matter has been settled between us. 

If we do not follow all of the rules above, you do not have to 
pay the first $50 of the amount you question even if your bill 
is correct.  

 
YOUR RIGHTS IF YOU ARE DISSATISFIED 
WITH YOUR CREDIT CARD PURCHASES 
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good 
faith to correct the problem with the merchant, you may have 
the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state 
or within 100 miles of your current mailing address, and 
the purchase price must have been more than $50. (Note: 
Neither  of  these  are  necessary  if  your  purchase  was 
based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.) 

2. You  must  have  used  your credit  card  for  the  purchase. 
Purchases  made  with  cash  advances  from  an  ATM  or 
with a check that accesses your credit card account do 
not qualify. 

3. You must not yet have fully paid for the purchase.  

If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at: Customer Service, 
P.O. Box 30495, Tampa, FL 33630.  

While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount as discussed above. After we finish our investigation, 
we  will 
if  we 
think you owe an amount and you do not pay, we may report 
you as delinquent. 

tell  you  our  decision.  At 

that  point,