PLATINUM 
PREMIER RATE 
MASTERCARD® 

AGREEMENT 
BILLING RIGHTS 
& 
CREDIT CARD 
DISCLOSURE 

IMPORTANT 

KEEP THIS NOTICE 
FOR FURTHER USE 

MC029 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 Premier Rate 

7.95% 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 the date of the initial 
Balance Transfer request. Beginning with 
the thirteenth month, your APR will be 
7.95% 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 7.95% 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 

Minimum 
Interest 
Charge 

None 

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 and/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/learnmore. 

How to Avoid 
Paying 
Interest on 
Purchases  

For Credit 
Card Tips 
from the 
Consumer 
Financial 
Protection 
Bureau 

Annual Fee 

Transaction Fees 
• Balance Transfer 

• Cash Advance 

Fees 

None 

None 

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 
Premier  Rate  Mastercard®  Agreement.  “You”,  “Your”,  and 
“Cardholder” mean any person who signs the Application or 
uses  the  card.  “Card”  and  “Account”  mean  the  RBFCU 
Platinum  Premier  Rate  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,  perform  a  Balance  Transfer  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. 

jointly  and 

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 
individually 
account,  all  of  you  will  be 
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 
to  make  such  Cash 
financial 
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  notice  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 
statement  showing  (i) 
the  “previous  balance”  (the 
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  (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 
including 
Balance  Transfers,  Cash  Advances, 
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 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 Premier Rate 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 
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 7.95% (Prime + 
4.45%), you will accrue an INTEREST CHARGE at a 
rate of 0.6625% per month. If your APR is 9.95% (Prime 
+ 6.45%), you will accrue an INTEREST CHARGE at a 
rate  of  0.8292%  per  month.  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  18.15%  (Prime  +  14.65%),  you  will  accrue  an 
INTEREST CHARGE at a rate of 1.5125% 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. 

to  any  existing  balances,  subject 

 
 
 
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  Premier  Rate 
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,  Balance 
Transfers 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 conversion rate 
used by Mastercard Worldwide to determine the transaction 
amount  in  U.S.  dollars  for  such  transactions  is  generally 
either  a  government-mandated  exchange  rate  or  a 
rate  selected  by  Mastercard 
wholesale  exchange 
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 personas 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.  

13. NOTIFICATION  ADDRESS 

FOR 

INFORMATION 
REPORTED  TO  CONSUMER  REPORTING  AGENCIES: 
Periodically,  we  may  report  the  status  and  payment 
history of your account to credit reporting agencies. If 
you  believe  that  the  information  we  have  reported  is 
inaccurate or incomplete, please notify us in writing at: 
Randolph-Brooks Federal Credit Union, P. O. Box 2097, 
Universal  City,  TX  78148-2097.  Please  include  your 
name,  address,  telephone  numbers,  account  number 
and description of your problem.  

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 transaction which ultimately 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  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. 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.  

20.CARDHOLDER RESPONSIBILITY: It is the responsibility 
of the Cardholder to update Card 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 
the  Cardholder  may  have 
previously authorized. 

that 

 
 
 
 
 
 
 
 
 
 
 
 
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  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: 

1.  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. 

2. 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 tell you our decision. At that point, if we 
think you owe an amount and you do not pay, we may report 
you as delinquent.