CARDHOLDER AGREEMENT 
NY RESIDENTS:  RETAIL INSTALMENT CREDIT AGREEMENT  

U.S. VIRGIN ISLANDS RESIDENTS  PLEASE READ THIS:  The provisions titled “Using Your Account,” “Disputed 
Payments-Postdated Checks, Restrictive Endorsement Checks and Other Disputed or Qualified Payments,” “Changes 
in Terms,” “Assignment; Transfer,” “Arbitration Provision” and “Billing Rights Notice” restrict or reduce your rights. 

MILITARY LENDING ACT DISCLOSURE: Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed 
Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.  This rate must include, as applicable 
to the credit transaction or account:  The costs associated with credit insurance premiums; fees for ancillary products sold in 
connection with the credit transaction; any application fee charged (other than certain application fees for specified credit 
transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).  To 
hear disclosures related to the Military Lending Act, please call this toll-free number:  1-866-816-6994. 

COVERED MILITARY BORROWERS:  If you are a “covered borrower,” as defined under the Military Lending Act, 10 U.S.C. 
§ 987, as amended, (i) the “Arbitration Provision,” (ii) any waiver of right to legal recourse under any state or federal law and (iii) 
any other provision in this Agreement that is not enforceable against you under the Military Lending Act does not apply to you so 
long as you are a “covered borrower.” 

GENERAL  This Cardholder Agreement (“Agreement”) governs the use of your revolving credit account (your “Account”).  In this 
Agreement and in your monthly billing statement (“Statement”), “we,” “us,” “our” and “Bank” refer to Mid America Bank and Trust 
Company,  member  FDIC,  including,  as  applicable,  our  successors,  assignees  and  representatives.    “You,”  “your”  and 
“Cardholder” refer to the person who applied and was approved for the Account and, as appropriate, all persons authorized to 
use  the  Account.    “Application”  refers  to  any  (i) written  or  electronic  application  or  acceptance  that  you  signed  or  otherwise 
submitted for this Account or (ii) oral request for credit and a Card, resulting in this Account.  “Card” refers to any credit card, 
Account number or other credit access device (including any convenience check) that we issue to you.  Your Application, any 
Card carrier that we send with your Card and the accompanying Truth in Lending Act Disclosures, any automatic payment plan 
form, any other written documents (including any electronic record) evidencing any transactions made under your Account, any 
notices that we send to you with your Agreement, any special credit terms disclosures in the initial solicitation letter that we sent 
you  and  any  special  credit  terms  or  rewards  terms  separately  or  subsequently  disclosed  to  you  in  writing,  are  part  of  and 
incorporated  into  this  Agreement.    Please  read  and  keep  these  documents  for  your  records.    This  Agreement  begins  on  the 
earlier of (a) the date we finally approve your Application for credit or (b) the first date that we extend credit to you or someone 
authorized  by  you  on  your  Account.    This  Agreement  includes  an  Agreement  to  Arbitrate  Claims  (see  “Arbitration 
Provision” below).   Where the terms of this Agreement differ from any special terms that we offer to you in writing, the special 
terms offered will control, but all other terms of this Agreement will remain unchanged.  

ACCEPTANCE OF THIS AGREEMENT   Your activation of your Card, your use of the Account, or any payment made on the 
Account, evidences your acceptance of the terms of this Agreement.  In New York, this Agreement begins on the first date that 
you sign a sales slip or memorandum evidencing the purchase of goods or services. 

USING  YOUR  ACCOUNT    You  can  use  your  Card  to  purchase  or  lease  goods  or  services  (including  mail,  telephone  and 
electronic  orders)  from  participating  establishments  (each  a  “Purchase”)  up  to  any  credit  limit  we  may  establish  for  you  (your 
“Credit Limit”).  You can also use your Card to obtain a cash loan (“Cash Advance”) by presenting your Card to any institution 
that accepts the Card for that purpose or by making a withdrawal of cash at an ATM.  Transactions made with your Account for 
things  like  money  orders,  deposits,  wire  transfer  money  orders,  travelers  cheques,  foreign  currency  and  other  similar 
transactions, will be treated as Cash Advances.  From time to time, we may also permit you to obtain credit from us by making a 
payment  to  another  creditor  of  yours  (“Balance  Transfer”)  using  forms  or  other  means  provided  by  us.    Except  as  otherwise 
specifically provided in this Agreement, a Balance Transfer generally is treated as a Cash Advance, but the fees that may be 
imposed  at  the  time  of  transfer  may  differ  from  those  applicable  to  Cash  Advances.    You  may  use  your  Account  only  for 
personal, family, or household purposes.  You may not use your Card or your Account for any illegal transaction or any gambling 
transaction.  We may decline transactions for any reason, including, but not limited to, operational matters, default, or suspected 
fraudulent  or  unlawful  activity.    Transactions  above  a  certain  dollar  amount  may  require  authorization  by  us  before  the 
transaction  can  be  approved.   We  will  not  be  liable  for  the  failure  to  authorize  credit  because  of  operational  difficulties  or 

 
 
 
 
 
mistakes.  We may limit the number and amount of transactions approved in one day for security reasons, without any liability to 
you.  We are not responsible for any losses associated with a declined transaction. 

AUTHORIZED  USERS    If  you  ask  us  to  issue  a  Card  to  any  other  person  and  we  agree  to  issue  them  a  Card,  they  are  an 
“Authorized User” of your Account and will be bound by the terms of this Agreement.  We may impose a fee to issue a Card to an 
Authorized User as disclosed below. We may require certain information about them before issuing a Card.  We may limit their 
ability to use their Card.  They will have access to important information about your Account.  You will be responsible for use of 
the Account by them and by anyone they allow to use your Account, even if you did not want, or did not agree to, that use.  If you 
want to remove an Authorized User from your Account, you must contact Customer Service and request their removal.  You also 
must immediately destroy all Cards in their possession and cancel any transactions that they may have set up on your Account 
before their removal.  You will be responsible for transactions that they set up before they were removed even if these amounts 
do  not  appear  on  your  Account  until  later.    Authorized  Users  may  remove  themselves  from  your  Account  upon  request.    We 
reserve the right to remove them from your Account for any reason.  To remove them from your Account, we may  choose to 
close your existing Account and issue a new Account and replacement Card with a new number. 

REWARDS Your Account may provide you with the opportunity to earn rewards.  If it does, we will separately provide you with 
information and terms about the rewards. 

HONORING YOUR CARD  We are not liable if a merchant, ATM or other institution does not honor your Card, or if your Card 
malfunctions.   

PROMISE  TO  PAY    You  agree  to  be  bound  by  the  terms  and  conditions  of  this  Agreement.    You  promise  to  pay  for  all 
Purchases,  Cash  Advances,  Balance  Transfers  and  all  other  amounts  owed  to  us  under  the  terms  of  this  Agreement.    You 
promise to make all payments in U.S. dollars and to submit for payment of your Account only checks or other items drawn on 
U.S. financial institutions. 

YOUR CREDIT LIMIT  You agree not to use your Account in any way that would cause you to go over your Credit Limit.  We 
may refuse to authorize or accept any transaction on your Account that would cause you to exceed your Credit Limit.  We may 
establish different Credit Limits for different features of your Account in addition to a general (total) Credit Limit.  If you exceed 
your Credit Limit, you must pay us the excess amount promptly.  We reserve the right not to increase your available credit by the 
amount of any payment received, for a period of up to four (4) business days from the date of receipt to provide for processing 
and verification.  Processing speeds can vary depending on how your payment is cleared.     

Your Account represents a continuing offer to extend further credit to you which may be withdrawn at any time.  We reserve the 
right to change (to set, increase, decrease or remove) the Credit Limit for your Account from time to time in accordance with this 
Agreement and applicable law.  Certain changes in your Credit Limit may occur without prior written notice to you and may be 
based upon factors including, but not limited to, anti-fraud policies and procedures, your record of making timely payments and 
staying within your established  Credit Limit,  your credit score and information contained in your credit report and your  proper 
maintenance of any checking account used to make automatic payments, if applicable. 

If approved for an Account, your initial Credit Limit(s) will appear on your Card carrier.  Your current Credit Limit(s) can be found 
on your Statement or provided upon request.  We do not accept Credit Limit increase requests. 

You have the right to receive an answer to a written inquiry concerning the status of your Account.   

SPECIAL TERMS  From time to time we may offer special terms in connection with your Account.  These special terms may be 
limited to certain qualifying transactions.   The period of time that special terms may be available may be limited.  Information 
specific to any special terms will be provided at the time of offer.  If you use your Account to enter into a qualifying transaction, 
you will be deemed to have acknowledged and agreed to the terms disclosed at the time of the offer, which terms may modify or 
differ from the regular terms of this Agreement.  No formal amendment of this Agreement will be necessary and all terms of this 
Agreement will remain applicable except those inconsistent with the disclosed special terms of the offer.  If at any time you fail to 
comply with the terms of this Agreement as modified by the special terms of an offer or are otherwise in default of any obligation 
you  owe  us,  then  we  may,  in  our  sole  discretion,  immediately  terminate  any  special  offer  terms.    We  will  notify  you  of  the 
termination of any special terms if (and as) expressly required by law. 

 
 
DEFAULT  Unless prohibited by applicable law, you will be in default under this Agreement if you:  (i) do not make at least the 
Minimum  Payment  required  from  time  to  time  on  or  before  its  Payment  Due  Date;  (ii)  exceed  your  Credit  Limit  without 
permission;  (iii)  tender  a  payment  on  your  Account  and  your  payment  is  returned  to  us  unpaid  or  otherwise  rejected  for  any 
reason;  (iv) become  subject  to  bankruptcy  or  insolvency  proceedings;  (v) become  subject  to  attachment  or  garnishment 
proceedings; (vi) give us any misleading, false, incomplete or incorrect information or false or fraudulent signature; (vii) die; or 
(viii) fail  to  comply  with  any  term  of  this  Agreement  or  any  other  agreement  that  you  have  with  us.    Subject  to  any  notice  of 
default and right to cure or other limitation of applicable law, if you are in default, we may, in addition to any other rights that we 
may have under this Agreement: (i) reduce your Credit Limit or cancel your Account; (ii) require you to pay your entire Account 
balance  (including  accrued  but  unpaid  interest  and  any  other  fees  and  charges  provided  for  in  this  Agreement)  immediately; 
and/or (iii) bring an action to collect all amounts owed. 

You  agree  to  pay,  to  the  greatest  extent  not  prohibited  by  law,  our  reasonable  attorneys’  fees  and  any  collection  costs  and 
disbursements and court fees related to the collection of your Account. 

CANCELLATION  We may cancel your Account, refuse to allow further transactions, offer credit on different terms or adjust the 
amount of credit available to you at any time, with or without cause, subject to applicable limitations of law.  We may terminate 
further transactions on your Account without notice if you change your address to a jurisdiction in which we do not make credit 
available  at  that  time.    You  may  close  your  Account  by  writing  to  us  at  Account  Services,  P.O.  Box  105555  Atlanta,  GA 
30348-5555.  The terms of this Agreement will continue to apply to any balance that you owe us until you have paid everything 
you owe, including any interest and fees due.  Account cancellation may adversely affect your credit history. 

STATEMENTS  We will send you a Statement for each monthly billing cycle in which (i) the balance of your Account (including 
unpaid  Purchases,  Cash  Advances  and  any  Balance  Transfers,  interest  and  other  fees  and  charges)  on  the  last  day  of  that 
billing cycle (the “New Balance”) is greater than $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any other activity 
on  your  Account;  or  (iv) as  otherwise  required  by  applicable  law.    Your  Statement  will  show,  among  other  things,  the  total 
minimum payment you must make during the billing cycle (the “Minimum Payment”) and the date that the Minimum Payment is 
due (the “Payment Due Date”).  

PAYMENT REQUIREMENTS AND CREDITING  

Minimum  Payment    You  agree  to  pay  at  least  the  Minimum  Payment  shown  on  your  Statement  by  the  Payment  Due  Date 
shown on the Statement.  You may at any time pay off your entire balance in full or more than the Minimum Payment due 
without incurring any additional charge.  We reserve the right to change your Minimum Payment requirement from time to 
time.  The Minimum Payment due each month will be an amount equal to (a) (i) 1% of your total outstanding Account balance on 
the  Closing  Date,  which  is  shown  on  your  statement  as  the  “New  Balance”  or  (ii)  $10,  whichever  is  greater,  plus  (b)  current 
interest and fees plus (c) the greater of (i) any past due amount or (ii) any amount by which your New Balance exceeds your 
Credit Limit.  If your New Balance is less than your Minimum Payment, your New Balance is due in full.  You may  at any time 
make additional payments without penalty. 

Authorization  Agreement  for  Automatic  Payments    If  you  enrolled  in  the  Automatic  Payment  Plan,  you  acknowledge  and 
agree  to  the  following:  (1) You  authorize  us  to  initiate  electronic  funds  transfers  (EFTs)  by  debit  entries  drawn  on  the  bank 
account, debit or credit card you have identified to us in your application for this Account or any other account that you identify to 
us  from  time  to  time  (“Bank  Account”)  in  the  amount  of  your  required  Minimum  Payments    or  in  any  fixed  amount  that  you 
specify, as modified by you from time to time. To avoid additional charges, in any month in which any designated fixed payment 
amount  is  less  than  your  Minimum  Payment  due,  you  understand  and  agree  that  we  may  deduct  or  withdraw  your  entire 
Minimum Payment rather than the designated fixed payment amount.  If your New Balance is less than the fixed amount you 
designate, only the New Balance will be deducted.  If you have a Deferred Interest Plan and you enroll in our Automatic 
Payment  Plan,  you  will  need  to  make  one  or  more  additional  payments  by  mail  or  by  phone  to  avoid  interest.    See 
Deferred Interest Balances below.  You have the right to receive notice of all electronic fund transfers from your Bank Account 
that vary in amount, and by enrolling, you agree that your monthly statement  will serve as your  notice of the amount of  your 
monthly payment.  You may change the amount to be deducted or withdrawn at any time.  Your new monthly payment will be 
effective within 3 business days of our receipt of your instruction.  (2) We will initiate authorized EFTs each month on or after the 
Payment Due Date shown on your monthly statement.  (3) You agree that in the event any debit is rejected or dishonored we 
may reinitiate the debit once. (4) You have provided us with all necessary information for the Bank Account that you wish us to 
debit and the Bank Account on which the Automated Clearing House (ACH) debit is authorized, is a legitimate, open and active 
account.  You agree to notify us promptly if this information changes.  (5) The origination of ACH transactions must comply with 

 
 
 
the provisions of U.S. law.  (6) Once enrolled, automatic payments will continue until you notify us that you wish to terminate your 
enrollment in the Automatic Payment Plan, or until we terminate your enrollment.  You may terminate your enrollment by calling 
Customer Service at the telephone number shown on your monthly statement.  You must give any notice of termination in such a 
manner and sufficiently in advance to allow us and your financial institution a reasonable opportunity to act.  We may terminate 
your  enrollment  if  you  fail  to  keep  your  Account  or  your  Bank  Account  in  good  standing.    Delinquency  or  closure  of  either 
account, for any reason, may result in immediate termination of your enrollment in the Automatic Payment Plan.  Also, if there 
are insufficient funds in  your  Bank Account  to process any payment, your enrollment in the Automatic Payment Plan may be 
terminated immediately.  (7) We are not responsible for any fees that may be charged by your depository institution as the result 
of  your  participation  in  the  Automatic  Payment  Plan.    (8) You  have  the  right  to  review  your  accounts  and  to  withdraw  any 
privileges previously granted.  (9) Participation in the Automatic Payment Plan is not a requirement of continuing credit under 
your Account.  Enrollment in the Automatic Payment Plan is optional. 

Right  to  Stop  Payment  and  Procedure  For  Doing  So:    If  you  have  scheduled  monthly  payments  through  the  Automatic 
Payment Plan, you can tell us to stop any of these payments by calling Customer Service at the telephone number  shown on 
your  monthly  statement,  by  sending  an  e-mail  to  cs@fortivaservicing.com  or  by  writing  to  us  at  Customer  Service--Automatic 
Payment Plan Department, P.O. Box 105555, Atlanta, GA 30348-5555.  If you send us an email or write to us, your request must 
reach  us  at  least  5  business  days  before  the  scheduled  Payment  Due  Date.    If  you  call  us,  we  may  require  you  to  put  your 
request  in  writing  and  to  deliver  your  request  to  us  within  14  days  after  you  call.    We  may  charge  you  a  fee  for  each  stop 
payment request that you give us.  If you tell us to stop a payment at least 5 business days before the Payment Due Date 
and we do not stop payment, we will be liable for your losses or damages.  

Alternative Payment Methods  If you know that we will be unable to process a scheduled automatic payment for any reason, 
then to avoid a late payment charge, you must promptly send a certified check or money order to the “Payment Address” shown 
on the front of your monthly statement, or, if offered, you may take advantage of any pay-by-phone or online payment service 
that we may make available to you from time to time.  If you make an alternative payment by postal mail or by pay-by-phone or 
online service while you are enrolled in an Automatic Payment Plan, we may treat such payment as an additional payment and 
process your next Automatic Payment Plan payment as scheduled or may reduce your next Automatic Payment Plan payment 
by the amount of any such additional payment received 

Instructions for Mailed Payments   If you pay by  check or other written instrument, all payments, except disputed amounts, 
must be mailed or delivered to us at the address for payments shown on  your monthly statement.  Payments received at the 
address on the payment coupon by 5:00 p.m. Eastern Time, Monday through Friday (except legal holidays) will be credited to 
your Account as of the date received. Payments must be received with the payment coupon (bottom portion) of your statement in 
the enclosed return envelope. If payments are received at any other location or without your payment coupon, crediting of those 
payments to your Account may be delayed. Payments must be made to Payment Processing, P.O. Box 790156, St. Louis, 
MO 63179-0105, or any other address designated by us. 

Notice About Electronic Check Conversion.   By providing a  paper check as payment, you authorize us to use information 
from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.  
When we use the information from your check to make an electronic fund transfer, funds may be withdrawn from your account as 
soon as the same day we receive your payment, and you will not receive your check back from your financial institution. 

Application of Payments  Subject to the requirements of applicable law, we will apply payments first to unpaid interest, fees 
and  other  charges,  then  to  Cash  Advance  transactions  in  the  order  in  which  they  are  posted  to  your  Account  and  finally  to 
Purchase transactions in the order in which they are posted to your Account.  We may apply payments to balances subject to 
special terms (including Balance Transfers, convenience checks and other promotions) prior to non-promotional balances. 

Disputed  Payments‒Postdated  Checks,  Restrictive  Endorsement  Checks  and  Other  Disputed  or  Qualified  Payments  
You agree not to send us partial payments marked  “paid in full,”  “without recourse,” or similar language.  If you send  such a 
payment, we may accept it without losing any of our rights under this Agreement.   All notices and written communications 
concerning postdated checks, restrictive endorsement checks (including any check or other payment instrument that 
indicates that the payment constitutes “payment in full” of the amount owed or that is tendered with other conditions or 
limitations or as full satisfaction of a disputed amount) or any other disputed, nonconforming or qualified payments, 
must be mailed or delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374.  We may also accept late, 
postdated or partial payments without losing any of our rights under the credit agreement governing your Account.  (A postdated 
check is a check dated later than the day it was actually presented for payment.)  We are under no obligation to hold a postdated 

 
 
 
 
 
 
 
 
check and we reserve the right to process every item presented as if dated the same date received by us or our check processor 
unless  you  give  us  adequate  notice  and  a  reasonable  opportunity  to  act  on  it.    Except  where  such  notice  and  opportunity  is 
given, you may not hold us liable for depositing any postdated check. 

INTEREST   

Interest    When  your  Account  has  an  outstanding  balance,  we  will  assess  periodic  interest  using  a  monthly  periodic  rate  of 
interest.    The  monthly  periodic  rate  is  determined  by  dividing  the  annual  percentage  rate  (“APR”)  by  12.    Your  APRs,  and 
corresponding  monthly  periodic  rates,  will  vary  with  the  market  based  on  the  Prime  Rate,  but  no  APR  will  exceed  an  annual 
percentage rate of 36%.  See the accompanying Truth in Lending Act Disclosures for the APRs and any “per transaction” interest 
charges applicable to your Account.  Interest will be imposed in amounts or at rates not in excess of those permitted by law. 

Balances Subject To Interest   We figure the interest charge on your Account by applying the applicable monthly periodic rate 
to the “average daily balance” of your Account.  We calculate the average daily balance separately for each type of balance (e.g., 
separately for Purchases, for Cash Advances and for each balance subject to special terms such as Balance Transfers).  For 
each  type  of  balance,  we  take  the  beginning  balance  each  day  (including  accrued  but  unpaid  interest  charges),  add  new 
transactions (including purchases, cash advances and balance transfers) and any applicable fees, and subtract the applicable 
portion of  any payments or credits.  This gives us the daily balance for  each type of balance.  Then, we add up all  the daily 
balances for a particular type of balance for the billing cycle and divide the total by the number of days in the billing cycle.  This 
gives us the “average daily balance” for that type of balance.   

When Interest Begins To Accrue, Grace Period  Except as provided below, Purchases, Cash Advances and Balance 
Transfers begin to accrue interest from the date of the transaction (or, at our option, from the date they are posted to your 
Account) and continue to accrue interest until the charge is paid in full.  You will have at least a 25 day grace period (“Grace 
Period”) on Purchases.  This means you have at least 25 days from the closing date on your monthly statement to pay for new 
Purchases before we charge interest on them.  However, the Grace Period will apply only in billing periods when (1) you paid the 
previous balance in full or (2) you had a previous balance of $0.00 or a credit balance.  (The previous balance is the balance 
identified as the New Balance on the monthly statement for the previous billing period, subject to subsequent adjustment, as 
appropriate.)  When the Grace Period applies, we will not impose interest on (1) any new Purchases if we receive payment of the 
appropriate full New Balance on the monthly statement for that billing period by the due date shown on that statement or (2) the 
portion of the Purchase balance repaid if we receive payment of only part of the New Balance by the due date.  There is no time 
period within which you can avoid interest on Cash Advances or Balance Transfers. 

Deferred Interest Balances  If you make a purchase under a special Deferred Interest Plan promotion, we will calculate interest 
for  each  cycle  as  described  above.    To  avoid  such  interest  you  must  pay  the  total  purchase  amount  and  accrued  fees  and 
charges that are subject to deferred interest (“Promotional Balance”) in full by the last day of the promotional period as shown in 
the Deferred Interest Charge Calculation notice on the front of your monthly statement.  Making only minimum monthly payments 
during the promotional period will not pay off your Promotional Balance by the last day of the promotional period.  If you do not 
pay your Promotional  Balance in full by such date, then the  interest that has accrued from the date of purchase through and 
including the last day of the promotional period (Deferred Interest Charge) will be added to your regular Purchase balance. 

FEES 

The following fees may be added to your Account (as a Purchase unless otherwise stated):  

Annual Fee  If your Account is subject to an Annual Fee, the amount of the fee is shown in the accompanying Truth in Lending 
Act disclosures.  Annual fees appear on your first monthly statement and thereafter on the anniversary date of your Account as 
long as your Account is open or you have an outstanding balance.  Annual Fees are not refundable, except as provided below or 
as otherwise required by applicable law.  Annual Fees reduce the amount of credit you have available for use.  

Account Maintenance Fee  If your Account is subject an Account Maintenance Fee, the amount of the fee is disclosed in the 
accompanying Truth in Lending Act disclosures.  Account Maintenance Fees are billed each month as long as your Account is 
open or you have an outstanding balance.  Your payment of an Account Maintenance Fee does not affect our right to close your 
Account or our ability to limit transactions on your Account. 

 
 
Program Fee   If your Account is subject to a Program Fee, the amount of the fee is disclosed in the accompanying Truth in 
Lending Act disclosures.  The Program Fee is a one-time fee that you must pay at account opening.  

Balance  Transfer  Fee    If  your  Account  is  subject  to  a  Balance  Transfer  Fee,  the  amount  of  the  fee  is  disclosed  in  the 
accompanying  Truth  in  Lending  Act  disclosures.    Balance  Transfer  Fees  are  charged  on  each  Balance  Transfer.    This  fee  is 
deemed additional interest and will be added to your Balance Transfer balance.   

Cash Advance Fee  If your Account is subject to a Cash Advance Fee, the amount of the fee is disclosed in the accompanying 
Truth in Lending Act disclosures.  Cash Advance Fees are chargedeach time you obtain a Cash Advance.  This fee is deemed 
additional interest and will be added to your Cash Advance balance.   

Foreign Transaction Fee  If your Account is subject to a Foreign Transaction Fee, the amount of the fee is disclosed in the 
accompanying Truth in Lending Act disclosures.  Foreign Transaction Fees are charged  on any transaction made in a foreign 
currency that is converted to U.S. Dollars. This fee is deemed additional interest[and will be added to the appropriate Purchase, 
Cash Advance or Balance Transfer balance   

Late Payment Fee  If you fail to make a timely payment, you agree to pay a Late Payment Fee of up to $38.   For PR residents, 
you agree to pay the lesser of $15 or 5% of the payment due for payments that are over 15 days late.  No Late Payment Fee will 
exceed the amount of the related missed payment.  

Returned Payment Fee   To the greatest extent not prohibited by law, if any payment is dishonored or returned, you agree to 
pay  a  Returned  Payment  Fee  of  up  to  $38.    No  Returned  Payment  Fee  will  exceed  the  amount  of  the  refused  or  returned 
payment.   

Authorized  User  Fee    We  will  impose  a  fee  for  allowing  another  person  access  to  the  Card  who  is  not  responsible  for  the 
repayment of the Account.  The amount of the Authorized User Fee is disclosed  with the accompanying Truth in Lending Act 
disclosures.  The  Authorized  User  Fee  will  be  imposed  annually  for  each  authorized  user.  Upon  request,  we  may  issue  a 
separate Card to an authorized user. 

REFUND OF INTEREST AND FEES  We will credit all interest and fees to your Account if you close your account within 30 days 
of  receiving  your  initial  Agreement  and  you  make  no  charges  to  your  Account.    After  such  30-day  period,  interest  and  fees 
generally  are  no  longer  avoidable  or  refundable  and  you  will  be  responsible  for  paying  all  interest  and  fees  charged  to  your 
Account.   

CONSENT  TO  RECEIVE  ELECTRONIC  DISCLOSURES    If,  when  you  applied  for  your  Account  or  accepted  an  offer  and 
verified your eligibility for an Account, you agreed to receive electronic notices and disclosures in connection with your Account 
(whether at an electronic mail address that you provided in your Application, at a website that we designate or otherwise), then, 
to  the  extent  not  prohibited  by  law,  we  may  send  notices  concerning  the  availability  of  Statements  and  other  notices  and 
disclosures to you at the electronic mail address that you provided in your Application, any updated electronic mail address that 
you provide to us in writing, or on a website that we designate or otherwise, as mutually agreed.  If you subsequently choose to 
receive notices and disclosures by postal mail rather than electronically, then you agree to provide us with an updated postal 
address in a timely manner to allow us to comply with any applicable requirements of law. 

MONITORING AND RECORDING  To ensure that you receive quality service, you agree that we may record all phone calls.  
These calls, between  you and our representatives, are evaluated by supervisors.  It is our goal  to provide prompt, consistent 
assistance and deliver accurate information in a professional manner.  

COMMUNICATING WITH YOU; CONSENT TO CONTACT BY ELECTRONIC AND OTHER MEANS  We may contact you for 
any lawful reason, including for the collection of amounts owed to us and for the offering of products or services in compliance 
with  our  Privacy  Notice  in  effect  from  time  to  time.    No  such  contact  will  be  deemed  unsolicited.    To  the  greatest  extent  not 
prohibited by applicable law, we may (i) contact you at any address or telephone number (including wireless cellular telephone, 
VoIP or ported landline telephone number) that you may provide to us from time to time; (ii) use any means of communication, 
including, but not limited to, postal mail, electronic mail, telephone or other technology, to reach you; (iii) use automatic dialing 
and announcing devices which may play recorded messages; and (iv) send text messages to your telephone.   

 
 
 
NOTICE  OF  CHANGES  IN  YOUR  ELECTRONIC  MAIL,  TELEPHONE  NUMBER  OR  OTHER  INFORMATION    You  agree  to 
notify us promptly of any change in your electronic mail address, your postal address, your home telephone number, place of 
employment or other information provided in your Application or otherwise provided to us from time to time, including porting a 
landline  telephone  number  to  a  cellular  number  or  VoIP,  by  writing  to  us  at  Account  Services,  P.O.  Box  105555,  Atlanta,  GA 
30348-5555 or by calling us at 1-877-785-7908.  

CHANGES  IN  TERMS    We  may,  at  any  time  in  accordance  with  this  Agreement  and  subject  to  the  requirements  of 
applicable  law:    (i) terminate  this  Agreement;  (ii) terminate  your  right  to  make  future  Purchases  or  take  future  Cash 
Advances or Balance Transfers; (iii) change your Credit Limit; or (iv) add new terms or delete or change any terms and 
conditions of this Agreement relating to your Account (including changing from a non-variable to a variable periodic 
rate,  increasing  any  rate  of  interest,  increasing  or  adding  fees  or  charges,  changing  the  method  of  computing  the 
balance upon which interest is assessed or changing the date upon which interest begin to accrue).  Changes that are 
favorable to you may be made at any time without prior notice.  Changes in terms may be based upon factors including, 
but not limited to, anti-fraud policies and procedures, your record of making timely payments and staying within your 
established Credit Limit on your Account with us, your credit score and information contained in your credit report and 
your proper maintenance of any checking account used to make your automatic payments, if applicable. 

When required by applicable law, we will provide you with written notice of a new or deleted term or change in terms 
and offer you the right to reject terms in the manner specified at the time of notice.  No new term or change in the terms 
of this Agreement will affect your obligation to pay all amounts owing under this Agreement. 

ASSIGNMENT; TRANSFER    We may sell, assign or transfer all or any portion of your  Account  and all or any portion of our 
rights under this Agreement to any other person without prior notice to you.  You may not sell, assign or transfer any of your 
rights under this Agreement. 

LOST CARDS AND UNAUTHORIZED USE  Contact us immediately if you believe your Card has been lost or stolen.  
Telephoning is the best way to minimize your possible losses.  If you believe that your Card has been lost or stolen, or that 
someone has made a Purchase on or transferred or may transfer money from your Account without your permission, call us at 1-
877-785-7908. You will not be liable for any such unauthorized use that occurs after you notify us.  You may, however, be liable 
for such unauthorized use that occurs before you notify us.  In any case, your liability for such unauthorized use will not exceed 
$50.  Under MasterCard Rules, your liability for unauthorized MasterCard transactions on your Account is $0 if you notify us 
within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use. 
This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported 
two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period.   

CREDIT REPORTS AND INFORMATION   

Credit  Reports    You  authorize  us  to  make  or  have  made  any  credit,  employment  or  other  investigative  inquiries  we  deem 
appropriate to renew, review or collect amounts owed to us on your Account.  We also may obtain follow-up credit reports on you 
for any lawful purpose as long as you have an outstanding balance. 

Notice of Information Reporting  We may report information about your Account to credit bureaus.  Late payments, missed 
payments, or other defaults on your Account may be reflected in your credit report.  

Information Sharing  You acknowledge and agree that we may share information about you with others in accordance with our 
Privacy Notice (a copy of which we will provide to you and may be obtained from www.fortivaservicing.com as it is in effect from 
time to time).   

Notice of Inaccurate Information  If you believe that we have information about you that is inaccurate or that we have reported 
or may report to a credit reporting agency information about you that is inaccurate, please notify us of the specific information 
that you believe is inaccurate by writing to us at Account Services, P.O. Box 105555, Atlanta, GA 30348-5555. 

 
 
 
 
ARBITRATION PROVISION (AGREEMENT TO ARBITRATE CLAIMS) 

Unless you are a “covered borrower,” as defined under the Military Lending Act, 10 U.S. C. § 987, as amended, and except as 
otherwise  stated  below,  any  Claim  (as  defined  below)  will  be  resolved  by  binding  arbitration  pursuant  to  (a)  this  Arbitration 
Provision and (b) the Code of Procedure of the national arbitration organization to which the Claim is referred (as in effect when 
the Claim is filed).  Claims will be referred to either Judicial Arbitration and Mediation Services (“JAMS”) or the American Arbitration 
Association (“AAA”), as selected by the party electing to use arbitration.  Streamlined arbitration procedures will be used if available.  
If a selection by us of one of these organizations is unacceptable to you, you have the right, within 30 days after you receive notice 
of  our  election,  to  select  the  other  organization  listed  to  serve  as  arbitration  administrator.    For  purposes  of  this  Arbitration 
Provision,  “Claim”  means  any  claim,  dispute  or  controversy  (whether  in  contract,  tort,  or  otherwise),  past,  present  or  future, 
(collectively, "Claims") as further described below.  (If for any reason a selected organization cannot, will not or ceases to serve 
as an arbitration administrator, you or we may substitute another widely recognized arbitration organization that uses a similar 
code of procedure and is mutually acceptable to the parties.)   

Right To Reject Arbitration.  You may reject this Arbitration Provision.  If you do so, neither you nor we will have the 
right  to  engage  in  arbitration.    Rejecting  this  Arbitration  Provision  will  have  no  effect  on  any  of  the  other  provisions  in  this 
Agreement.    To  reject  this  Arbitration  Provision,  you  must  send  us  your  written  rejection  within  60  days  after  we  open  your 
Account, or 60 days after any change in terms that affects this  Arbitration Provision, to  Account  Services Dispute Resolution, 
P.O. Box 105096, Atlanta, GA 30348-5096; ATTN: Consumer Credit Arbitration.  In your letter, you must give us the following 
information: Name, Address and Account number.  The right to reject granted here applies solely to this Arbitration Provision, 
and not to any other provision of this Agreement, or to any other agreement with us.  In the event of a dispute over whether you 
have provided a timely rejection  notice, you must provide proof of delivery.   Neither party may elect to arbitrate an individual 
Claim brought in small claims court (or your state’s equivalent court, if any).  However, if a Claim that is brought in small claims 
court is transferred or appealed to a different court, either party may elect arbitration. 

Significance of Arbitration; Limitations and Restrictions.  IF YOU OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM 
BEING ARBITRATED (ii) ENGAGE IN PRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO OBTAIN INFORMATION 
FROM  THE  OTHER  PARTY)  TO  THE  SAME  EXTENT  THAT  YOU  OR  WE  COULD  IN  COURT,  (iii) PARTICIPATE  AS  A 
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS ACTION, IN COURT OR IN ARBITRATION, 
RELATING TO ANY CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE CLAIMS OTHER THAN YOUR 
OWN OR OUR OWN.  OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.  Except as 
set forth below, the arbitrator’s decision will be final and binding.  Only a court may decide the validity of items (iii) and (iv) 
above.  If a court holds that items (iii) or (iv) are limited, invalid or unenforceable, then this entire Arbitration Provision will be null 
and void.  You or we can appeal any such holding.  If a court holds that any other part(s) of this Arbitration Provision (other than 
items (iii) and (iv)) are invalid, then the remaining parts of this Arbitration Provision will remain in force.  An arbitrator will decide 
all other issues pertaining to arbitrability, validity, interpretation and enforceability of this Arbitration Provision.  The decision of an 
arbitrator is as enforceable as any court order and may be subject to very limited review by a court.  An arbitrator may decide a 
Claim upon the submission of documents alone, or a party may request a telephonic hearing if permitted by applicable rules.  
The  exchange  of  non-privileged  information  relevant  to  the  Claim,  between  the  parties,  is  permitted  and  encouraged.    Either 
party may submit relevant information, documents or exhibits to the arbitrator for consideration in deciding a Claim. 

Broad Meaning of “Claims.”  The term "Claims" in this Arbitration Provision is to be given the broadest possible meaning and 
includes (by way of example and without limitation) Claims arising from or relating to (i) the application for or issuance of your 
Account,  (ii) use,  terms,  change  in  terms  or  addition  of  terms,  closing  or  collection  of  your  Account  or  this  Agreement, 
(iii) advertisements, promotions or oral or written statements related to your Account, including any Claims regarding information 
obtained  by  us  from,  or  reported  by  us  to,  credit  reporting  agencies  or  others,  (iv) Claims  between  you  and  our  parent 
corporations,  wholly  or  majority  owned  subsidiaries,  affiliates,  predecessors,  successors,  assigns,  agents,  independent 
contractors,  employees,  officers,  directors  or  representatives  arising  from  your  Account  or  this  Agreement  and  (v) Claims 
regarding the validity, enforceability or scope of this Arbitration Provision or this Agreement.   

Arbitration Procedure and Costs.  For a copy of relevant codes of procedure, to file a Claim or for other information about JAMS 
and  AAA,  write  them,  visit  their  web  site  or  call  them  at:    (i) for  JAMS,  1920 Main  Street,  Suite 300,  Irvine,  CA 92614  or 
info@jamsadr.com, http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York, NY 10019 or 
websitemail@adr.org, http://www.adr.org, 1-800-778-7879.  If either party fails to submit to arbitration following a proper demand 
to  do  so,  that  party  will  bear  the  costs  and  expenses,  including  reasonable  attorneys’  fees,  incurred  by  the  party  compelling 
arbitration.  Any physical arbitration hearing that you attend will be held in the federal judicial district where you live at the time 
the Claim is filed.  The party initiating the arbitration will pay the filing fee.  You may seek a waiver of the initial filing fee or any 

 
 
other fees incurred in arbitration.  If you seek, but do not qualify for, a waiver, we will consider any written request by you for us 
to pay or reimburse you for all or part of such fees.  Each party will pay for its respective attorneys’, experts’ and witness fees, 
regardless of which party prevails in the arbitration.  A party may recover any or all expenses from another party if the arbitrator, 
applying applicable law, so determines.  Allocation of fees and costs relating to appeals in arbitration will be handled in the same 
manner.    For  an  explanation  and  schedule  of  the  fees  that  apply  to  an  arbitration  proceeding  with  JAMS,  please  visit  
http://www.jamsadr.com/rules-streamlined-arbitration;  for  AAA,  visit  http://www.adr.org/consumer_arbitration.    The  appropriate 
fee schedule in effect from time to time is hereby incorporated by reference into this Arbitration Provision.  The cost of arbitration 
may  be  higher  or  lower  than  the  cost  of  bringing  your  Claim  in  court,  depending  upon  the  nature  of  your  Claim  and  how  the 
arbitration proceeds.  Having more than one Claim and holding face-to-face hearings can increase the cost of arbitration.  Again, 
neither you nor we will be permitted to arbitrate claims on a class-wide (that is, on other than an individual) basis.  An arbitration 
proceeding can decide only  your or our Claims.  You cannot join other parties (or consolidate Claims) except with respect to 
persons who use your Account. 

Governing Law for Arbitration.  This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and 
will be governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. §§ 1 et seq., as amended, notwithstanding any other governing 
law  provision  in  this  Agreement.    The  arbitrator  will  apply  applicable  substantive  law  consistent  with  the  FAA  and  applicable 
statutes of limitations and will honor claims of privilege recognized at law.  Judgment upon any arbitration award may be entered 
and enforced, including without limitation by garnishment, attachment, foreclosure or other post-judgment remedies, in any court 
having jurisdiction.  The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA, in which 
case any party can appeal the award to a three-arbitrator panel administered by the selected arbitration administrator.  The panel 
will reconsider de novo (that is, without deference to the ruling of the original arbitration) any aspect of the initial award requested 
by the appealing party.   

Continued Effect of Arbitration Provision.  This Arbitration Provision will continue to govern any Claims that may arise without 
regard to any termination or cancellation of your Account.  If any portion of this Arbitration Provision (other than the provisions 
prohibiting class-wide arbitration, joinder or consolidation) is deemed invalid or unenforceable under the FAA, it will not invalidate 
the remaining portions of this Arbitration Provision.  If a conflict or inconsistency arises between the code of procedures of the 
selected arbitration administrator and this Arbitration Provision, this Arbitration Provision will control.  

DELAY IN ENFORCEMENT  We can delay or waive enforcing any of our rights under this Agreement or under applicable law 
without losing any of those rights or any other rights.  Even if we do not enforce our rights or remedies at any one time, we may 
enforce them at a later time. 

SEVERABILITY  Except as otherwise expressly provided in the Arbitration Provision, if any provision of this Agreement is finally 
determined to be void or unenforceable under applicable law, rule or regulation, all other provisions of this Agreement shall still 
be valid and enforceable.  Certain provisions of this Agreement are stated as being subject to applicable law.  Such provisions 
may be void, unenforceable or inapplicable in some jurisdictions.  

ENTIRE AGREEMENT  This Agreement, including any other written, oral or electronic document incorporated into and made a 
part of this Agreement, is the entire agreement between you and us relating to your Account and supersedes any other prior or 
contemporaneous agreement between you and us relating to your Account.  If there is any conflict between any one of these 
documents  and  this  Agreement,  the  terms  of  this  Agreement  control.    This  Agreement  may  not  be  amended  except  in 
accordance with the other provisions of this Agreement.  

GOVERNING LAW FOR CREDIT  This Agreement, and any claim, dispute or controversy (whether in contract, tort, or 
otherwise) at any time arising from or relating to this Agreement, are governed by and construed in accordance with 
applicable federal law and, to the extent not preempted by federal law, the laws of Missouri (without regard to internal 
principles of conflict of laws), except that the arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. 
§§ 1 et seq.  The legality, enforceability and interpretation of this Agreement and the amounts contracted for, charged 
and reserved under this Agreement will be governed by such laws.  We extend credit pursuant to Section 408.145 of the 
Missouri Revised Statutes.  You agree that this loan is made, executed and delivered in Missouri and that we make all 
credit  decisions,  open  all  accounts  and  issue  all  proceeds  from,  impose  all  fees  and  charges  in,  and  receive  all 
payments in our offices in Missouri. 

YOU  ACKNOWLEDGE  THAT  YOU  HAVE  RECEIVED  (ELECTRONICALLY  OR  OTHERWISE)  AN  EXACT,  COMPLETELY 
FILLED-IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ IT AND AGREE TO ITS TERMS.  

 
 
NOTICE TO THE BUYER  

1.  DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES.   

2.  YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED IN COPY OF THE AGREEMENT YOU SIGN.   

3.  YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL AMOUNT DUE. 

CA RESIDENTS:  Interest is compounded on unpaid amounts.   

MD RESIDENTS:  You have the right under Section 12-510 of the Commercial Law Code to receive an 
answer to your written inquiry regarding the status of your account.  

MO RESIDENTS:  Oral agreements or commitments to loan money, extend credit or to forbear from enforcing 
repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (borrower) 
and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are 
contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we 
may later agree in writing to modify it. 

NH RESIDENTS:  This Agreement provides for reasonable attorneys’ fees to be awarded to us in an action against you involving 
this Agreement.  Reasonable attorney's fees will be awarded to you if you prevail in any action, suit or proceeding brought by us; 
or an action brought by you.  If you successfully assert a partial defense or set-off, recoupment or counterclaim to an action 
brought by us the court may withhold from us the entire amount or such portion of the attorney fees as the court considers 
equitable. 

NJ RESIDENTS:  Because certain provisions of this agreement are subject to applicable law, they may be void, unenforceable 
or inapplicable in some jurisdictions.  None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.  

NY RESIDENTS:  RETAIL INSTALMENT CREDIT AGREEMENT  

WI RESIDENTS: No provision of a marital property agreement, a unilateral statement under section 766.59 or a court 
decree under section 786.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit 
is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision 
when the obligation to the creditor is incurred. 

BUYER/CARDHOLDER    Your  name  and  address,  our  name  and  address  and  the  date  on  any  Application  or  any  other 
document  or  record  you  sign  in connection  with  your  Account  are  incorporated  here  and  made  a  part  of  this  Agreement  and 
represent your name and address, our name and address, and the date on this Agreement.  An electronic record of your request 
for or acceptance of an Account or the consummation of a sales transaction under this Agreement can represent your signature 
on this Agreement.   

CREDITOR  /s/  MID AMERICA BANK AND TRUST COMPANY, Rolla, MO 

Rev. Date:  October 2017 

BILLING RIGHTS NOTICE 

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 us at: 
Account Services Dispute Resolution  
P.O. Box 105374 
Atlanta, GA  30348-5374  
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 wrong. 

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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

  We cannot try to collect the amount in question, or report you as delinquent 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 your 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: 
Account Services Dispute Resolution  
P.O. Box 105374 
Atlanta, GA  30348-5374  
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.