Diners Club® Carte Blanche® Card  
Cardmember Agreement  

Cardmember Agreement  
This  document  and  the  card  carrier  that  is  sent  with  the  card  together  make  up  your 
Card  Agreement  and  throughout  this  document  are  referred  to  as  Agreement  or  Card 
Agreement.  The  card  carrier  contains  important  account  information  including  the 
amount  of  any  membership  fee.  Please  read  and  keep  these  documents  for  your 
records.  This  Agreement  is  binding  on  you  unless  you  cancel  your  account  within  30 
days after receiving the card and you have not used or authorized use of your account.  

To simplify this Agreement for you, the following definitions will apply. The words  you, 
your,  and  yours  mean  all  persons  responsible  for  complying  with  this  Agreement, 
including  the  person  who  applied  to  open  the  account  and  the  person  to  whom  we 
address  billing  statements.  The  word  card  means  one  or  more  cards  or  other  access 
devices, such as account numbers, that we have issued to permit you to obtain credit 
under this Agreement. The words we, us, and our mean BMO Harris Bank N.A. formerly 
Harris  N.A.  and  its  successor  and  assigns,  the  issuer  of  your  account.  The  words 
authorized user mean any person to whom you give permission to use your account.  

Using Your Account and Your Credit Line  
The  card  must  be  signed  to  be  used.  Whether  you  sign  the  card  or  not,  you  are  fully 
responsible for complying with all the terms of this Agreement, including the obligation to 
pay us for all balances due on your account as specified in this Agreement. Your card 
must  only  be  used  for  lawful  transactions  and  may  not  be  used  to  purchase  goods  or 
services for resale. 

Your card can be used to buy or lease goods or services wherever the card is honored. 
Your  account  has  a  credit  limit.  The  full  amount  of  the  credit  limit  is  available  to  use 
where the card is honored. With the Club Cash® feature, your card can also be used to 
obtain cash through any bank or automated teller machine that accepts the card, subject 
to your credit limit. Subject to applicable law, we may reduce your credit limit at any time. 
We will notify you of any new limit either by sending you a notice or through your billing 
statement. A change may take effect before you receive notification from us. You should 
always keep your total balance below the credit limit. However, if the total due goes over 
your credit limit you must still pay us.  

Additional Cards  
You may request additional cards on your account for yourself or others and you may 
permit  an  authorized  user  to  have  access  to  the  card  or  account  number.  However,  if 
you do, you must pay us for all charges made by those persons, including charges for 
which  you  may  not  have  intended  to  be  responsible.  You  must  notify  us  to  revoke  an 
authorized  user’s  permission  to  use  your  account.  If  you  do  so,  we  may  close  the 
account  and  issue  a  new  card  or  cards  with  a  different  account  number.  You  are 
responsible for the use of each card issued on your account according to the terms of 
this Agreement.  

Annual Membership Fee  
The annual membership fee is $300 for the primary card and $150 for each additional 
card. The fee is nonrefundable unless you notify us that you wish to cancel your account 
within 30 days from the mailing or delivery date of the billing statement on which the fee 
is billed.  

Billing  
Your  billing  statement  shows  the  total  due,  any  interest  charges,  and  fees  imposed 
during the billing cycle, and the payment due date. It also shows your current credit limit; 
an itemized list of current charges, payments and credits; an interest charge summary; 
and other important information. If we deem your account uncollectible or if we institute 
delinquency  collection  proceedings  by  sending  it  to  an  outside  collection  agency  or 

attorney  for  collection,  we  may,  in  our  sole  discretion,  stop  sending  you  billing 
statements, unless otherwise prohibited by applicable law.  

You  must  notify  us  of  a  change  in  your  address  by  contacting  Customer  Service  by 
telephone or mail. We will mail or deliver the billing statement to only one address.  

How We Determine the Balance  
The total outstanding balance (the amount you owe us) appears as the “New Balance” 
on the billing statement. To determine the New Balance, we begin with the outstanding 
balance  on  your  account  at  the  beginning  of  each  billing  period,  called  the  “Previous 
Balance”  on  the  billing  statement.  We  add  any  purchases  and  cash  advances,  and 
subtract  any  credits  or  payments  credited  as  of  that  billing  period.  We  then  add  the 
appropriate interest charges and fees and make other applicable adjustments.  

Transaction Fee for Club Cash® Advances  
You have obtained a cash advance for which we assess a cash advance transaction fee 
if you obtain funds from an automated teller machine (ATM), through home banking, or 
through  a  financial  institution;  make  a  wire  transfer;  acquire  a  money  order,  traveler’s 
check, lottery ticket, betting or casino chip, or similar item; or engage in another similar 
transaction.  For  each  cash  advance,  we  add  an  additional  charge  of  4.0%  of  the 
advance,  but  not  less  than  $4.  The  amount  of  the  cash  advance  may  include  a 
surcharge that the ATM owner imposes.  

Credit Balance  
You may not maintain a credit balance in excess of your credit limit. We will return to you 
any credit amount over $1.00 if the amount has been on your account longer than six 
months. You may request a refund of a credit balance at any time. We may reduce the 
amount of any credit balance by the amount of new charges billed to your account.  

Transaction Fee for Purchases Made in Foreign Currencies  
For each purchase made in a foreign currency, we add to your account an additional fee 
of 3.0% of the amount of the purchase after its conversion into U.S. dollars.  

Information on Foreign Currency Conversion Procedures  
Any  purchase  you  make  in  a  foreign  currency  or  any  cash  advance  you  obtain  in  a 
foreign currency will be charged to your account in U.S. dollars after being converted by 
MasterCard®*. MasterCard will act according to its procedures then in effect. MasterCard 
uses a conversion rate in effect on the day the purchase or cash advance transaction is 
processed. The MasterCard conversion rate is either a government-mandated rate or a 
wholesale market rate.  

The foreign currency conversion rate in effect on the processing date for a transaction 
may differ from the rate in effect on the sale or posting date on your billing statement for 
that  transaction.  If  a  transaction  is  converted  by  a  third  party  prior  to  that  transaction 
being processed by MasterCard, the foreign currency conversion rate for that transaction 
will be the rate selected by that third party.  

Total Due  
Each month you must pay the Total Due that is shown on your billing statement. Your 
Total Due equals the New Balance.  

Payments  
You must pay the Total Due shown on each statement by the payment due date.  
Instructions for making payments are on your billing statement. In order to be credited as 
of a particular day, your payment must be received in the form specified, and by the hour 
specified,  in  those  instructions.  Do  not  send  cash  payments.  We  can  accept  late  or 
partial  payments,  as  well  as  payments  that  reflect  “paid  in  full”  or  other  restrictive 
endorsements, without losing any of our rights under this Agreement. You agree to pay 
us  in  U.S.  dollars  drawn  on  funds  on  deposit  in  the  United  States  using  a  payment 
check, similar instrument, or automatic debit that will be processed and honored by your 
bank.  We  reserve  the  right  to  accept  payments  made  in  foreign  currency  and 
instruments drawn on funds on deposit outside the United States. If we do, we will select 
the effective currency conversion rate at our discretion and credit your account in  

U.S.  dollars  after  deducting  any  fees  or  costs  incurred  in  connection  with  processing 
your  payment. If  such  fees  or  costs  are  not fully  deducted  at  the  time  your  account  is 
credited for a payment, we will bill you separately for them.  

Optional Payment Services  
You may pay your account online or you may request to make your payment by phone 
using  our  optional  telephone  payment  service.  Subject  to  applicable  law,  each  time  a 
representative  of  ours  helps  expedite  your  payment,  you  agree  to  pay  us  $14.95.  Our 
representatives  are  trained  to  tell  you  this  amount  if  you  decide  to  use  this  optional 
telephone payment service.  

Late Fee  
Any  portion  of  the  Total  Due  from  a  previous  billing  period  that  remains  unpaid  will 
appear as a Past Due balance on the current card billing statement. In addition, we will 
impose a late fee of up to $35. If you do not pay a Past Due amount for two consecutive 
billing  cycles  we  will  assess  a  late  fee  of  up  to  $35  or  2.5%  of  the  entire  Past  Due 
balance each time any portion of a Total Due balance is included in a Past Due balance 
and  the  Past  Due  Balance  is  more  than  $80.00.  The  fee  will  not  exceed  the  amount 
permitted by applicable law.  

Returned Payment Fee  
Subject to applicable law, we may add a fee of up to $29 to the account 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 may assess 
this fee the first time your check or payment is not honored, even if it is honored upon 
resubmission. The fee will not exceed the amount permitted by applicable law.  

Other Fees  
To the extent permitted by applicable law, your Account will be subject to the following 
fees:  
•  

Research Documentation Fee: If you request a copy of a billing statement, sales 
slip  or  other  documents  in  connection  with  your  account,  you  account  will  be 
subject to a charge of $3.00.  

Lost or Stolen Cards or Account Numbers  
If any card or account number is lost or stolen, or if you think someone used or may use 
them  without  your  permission,  notify  us  at  once  by  calling  the  Customer  Service 
telephone number shown on the billing statement or the number obtained by calling toll-
free or local Directory Assistance. We may require you to provide certain information in 
writing to help us find out what happened, and to comply with such procedures as we 
may require in connection with our investigation. Don’t use the card or account number 
after  we’ve  been  notified,  even  if  they  are  found  or  returned.  You  may  be  liable  for 
unauthorized  use  of  the  account,  but  not  for  more  than  $50.  You  won’t  be  liable  for 
unauthorized purchases or cash advances made after we’ve been notified of the loss or 
the theft; however, you must identify for us the charges on the billing statement that were 
not  made  by  you,  or  someone  authorized  by  you,  and  from  which  you  received  no 
benefit.  

Default  
You default under this Agreement if you fail to pay, by its due date, the Total Due listed 
on each billing statement; file for bankruptcy; pay by a check or similar instrument that is 
not honored or that we must return because it cannot be processed; pay by automatic 
debit that is returned unpaid; or default under any other Card Agreement that you have 
with  us.  If  you  default,  we  may,  subject  to  applicable  law,  close  your  account  and 
demand  immediate  payment  of  the  total  balance.  For  residents  of  New  Hampshire: 
Reasonable  attorneys’  fees  will  be  awarded  for  you  if  you  prevail  in any  action  or  suit 
brought by BMO Harris Bank N.A. Also, if  you successfully assert a partial defense or 
counterclaim to an action brought by BMO Harris Bank N.A., the court may withhold from 
BMO Harris Bank N.A. the entire amount or such portion of the attorneys’ fees as the 
court considers equitable.  

1 

2 

3 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Preauthorized Charges  
If you default, if the card is lost or stolen, or we change your account or account number 
for  any  reason,  we  may  suspend  automatic  charges  on  that  account  to  third  party 
vendors for insurance premiums or other goods or services. If preauthorized charges are 
suspended,  you  must  contact  the  third  party  vendor  to  reinstate  them.  You  are 
responsible  for  making  direct  payment  for  such  charges  until  you  reinstate  automatic 
charges.  

Collection Costs  
If we refer collection of your account to a lawyer who is not our salaried employee, to the 
extent not prohibited by applicable law, you will be liable for any reasonable attorney’s 
fees we incur, plus the costs and expenses of any legal action.  

ARBITRATION  
PLEASE  READ  THIS  PROVISION  OF  THE  AGREEMENT  CAREFULLY. 
IT 
PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. 
ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT 
TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR 
INSTEAD  OF  A  JUDGE  OR  JURY.  ARBITRATION  PROCEDURES  ARE  SIMPLER 
AND MORE LIMITED THAN COURT PROCEDURES.  

Agreement to Arbitrate  
Either you or we may, without the other’s consent, elect mandatory, binding arbitration 
for any claim, dispute, or controversy between you and us (called “Claims”).  

Claims Covered  
 

interpretation  of 

the  application,  enforceability,  or 

What Claims are subject to arbitration? All Claims relating to your account, a 
prior  related  account,  or  our  relationship  are  subject  to  arbitration,  including 
Claims  regarding 
this 
Agreement and this arbitration provision. All Claims are subject to arbitration, no 
matter  what  legal  theory  they  are  based  on  or  what  remedy  (damages,  or 
injunctive or declaratory relief) they seek. This includes Claims based on contract, 
tort (including intentional tort), fraud, agency, your or our negligence, statutory or 
regulatory  provisions,  or  any  other  sources  of 
law;  Claims  made  as 
counterclaims,  crossclaims,  third-party  claims,  interpleaders  or  otherwise;  and 
Claims  made  independently  or  with  other  claims.  A  party  who  initiates  a 
proceeding in court may elect arbitration with respect to any Claim advanced in 
that  proceeding  by  any  other  party.  Claims  and  remedies  sought  as  part  of  a 
class action, private attorney general or other representative action are subject to 
arbitration on an individual (nonclass, nonrepresentative) basis, and the arbitrator 
may award relief only on an individual (nonclass, nonrepresentative) basis.  

 

 

 

 

Whose  Claims  are  subject  to  arbitration?  Not  only  ours  and  yours,  but  also 
Claims made by or against anyone connected with us or you or claiming through 
us  or  you,  such  as  a  co-applicant  or  authorized  user  of  your  account,  an 
employee,  agent,  representative,  affiliated  company,  predecessor  or  successor, 
heir, assignee, or trustee in bankruptcy.  

What  time  frame  applies  to  Claims  subject  to  arbitration?  Claims  arising  in 
the past, present, or future, including Claims arising before the opening of your 
account, are subject to arbitration. 

Broadest  interpretation.  Any  questions  about  whether  Claims  are  subject  to 
arbitration  shall  be  resolved  by  interpreting  this  arbitration  provision  in  the 
broadest  way  the  law  will  allow  it  to  be  enforced.  This  arbitration  provision  is 
governed by the Federal Arbitration Act (the “FAA”).  

What about Claims filed in Small Claims Court? Claims filed in a small claims 
court are not subject to arbitration, so long as the matter remains in such court 
and advances only an individual (nonclass, nonrepresentative) Claim.  

How Arbitration Works  
 

How  does  a  party  initiate  arbitration?  The  party  filing  an  arbitration  must 
choose  one  of  the  following  two  arbitration  firms  and  follow  its  rules  and 
procedures  for  initiating  and  pursuing  an  arbitration:  American  Arbitration 
Association  or  JAMS.  Any  arbitration  hearing  that  you  attend  will  be  held  at  a 
place  chosen  by  the  arbitration  firm  in  the  same  city  as  the  U.S.  District  Court 
closest to your then current billing address, or at some other place to which you 
and we agree in writing. You may obtain copies of the current rules of each of the 
arbitration  firms  and  forms  and  instructions  for  initiating  an  arbitration  by 
contacting them as follows:  

American Arbitration Association 
800-778-7879 (toll free) Website: www.adr.org  

JAMS  
800-352-5267 (toll free) Website: www.jamsadr.com  

 

 

At  any  time  you  or  we  may  ask  an  appropriate  court  to  compel  arbitration  of   
Claims, or to stay the litigation of Claims pending arbitration, even if such Claims 
are  part  of  a  lawsuit,  unless  a  trial  has  begun  or  a  final  judgment  has  been 
entered. Even if a party fails to exercise these rights at any particular time, or in 
connection with any particular Claims, that party can still require arbitration at a 
later time or in connection with any other Claims.  

What  procedures  and  law  are  applicable  in  arbitration?  A  single,  neutral 
arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least ten 
years  experience  or  a  retired  or  former  judge,  selected  in  accordance  with  the 
rules of the arbitration firm. The arbitration will follow procedures and rules of the 
arbitration firm in effect on the date the arbitration is filed unless those procedures 
and rules are inconsistent with this Agreement, in which case this Agreement will 
prevail. Those procedures and rules may limit the discovery available to you or 
us.  The  arbitrator  will  take  reasonable  steps  to  protect  customer  account 
information and other confidential information if requested to do so by you or us. 
The arbitrator will apply applicable substantive law consistent with the FAA and 
applicable statutes of limitations, will honor claims of privilege recognized at law, 
and will have the power to award to a party any damages or other relief provided 
for  under  applicable  law.  You  or  we  may  choose  to  have  a  hearing  and  be 
represented  by  counsel.  The  arbitrator  will  make  any  award  in  writing  and,  if 
requested  by  you  or  us,  will  provide  a  brief  statement  of  the  reasons  for  the 
award. An award in arbitration shall determine the rights and obligations between 
the named parties only, and only in respect of the Claims in arbitration, and shall 
not have any bearing on the rights and obligations of any other person, or on the 
resolution of any other dispute.  

Who pays? Whoever files the arbitration pays the initial filing fee. If we file, we 
pay; if you file, you pay, unless you get a fee waiver under the applicable rules of 
the arbitration firm. If you have paid the initial filing fee and you prevail, we will 
reimburse  you  for  that  fee.  If  there  is  a  hearing,  we  will  pay  any  fees  of  the 
arbitrator and arbitration firm for the first day of that hearing. All other fees will be 
allocated as provided by the rules of the arbitration firm and applicable law.  

However,  we  will  advance  or  reimburse  your  fees  if  the  arbitration  firm  or 
arbitrator determines there is good reason for requiring us to do so, or if you ask 
us and we determine there is good reason for doing so. Each party will bear the 
expense  of  that  party’s  attorneys,  experts,  and  witnesses,  and  other  expenses, 
regardless of which party prevails, but a party may recover any or all expenses 
from another party if the arbitrator, applying applicable law, so determines.  

 

Who  can  be  a  party?  Claims  must  be  brought  in  the  name  of  an  individual 
person or entity and must proceed on an individual (nonclass, nonrepresentative) 

basis. The arbitrator will not award relief for or against anyone who is not a party. 
If you or we require arbitration of a Claim, neither you, we, nor any other person 
may  pursue  the  Claim  in  arbitration  as  a  class  action,  private  attorney  general 
action or other representative action, nor may such Claim be pursued on your or 
our behalf in any litigation in any court. Claims, including assigned Claims, of two 
or  more  persons  may  not  be  joined  or  consolidated  in  the  same  arbitration. 
However, applicants, co-applicants, authorized users on a single account and/or 
related accounts, or corporate affiliates are here considered as one person.  

When is an arbitration award final? The arbitrator’s award is final and binding on the 
parties  unless  a  party  appeals  it  in  writing  to  the  arbitration  firm  within  fifteen  days  of 
notice of the award. The appeal must request a new arbitration before a panel of three 
neutral  arbitrators  designated  by  the  same  arbitration  firm.  The  panel  will  consider  all 
factual and legal issues anew, follow the same rules that apply to a proceeding using a 
single  arbitrator,  and  make  decisions  based  on  the  vote  of  the  majority.  Costs  will  be 
allocated in the same way they are allocated for arbitration before a single arbitrator. An 
award by a panel is final and binding on the parties after fifteen days has passed. A final 
and binding award is subject to judicial review and enforcement as provided by the FAA 
or other applicable law.  

Survival and Severability of Terms  
This arbitration provision shall survive: (i) termination or changes in the Agreement, the 
account,  or  the  relationship  between  you  and  us  concerning  the  account;  (ii)  the 
bankruptcy of any party; and (iii) any transfer, sale or assignment of your account, or any 
amounts  owed  on  your  account,  to  any  other  person  or  entity.  If  any  portion  of  this 
arbitration provision is deemed invalid or unenforceable, the entire arbitration provision 
shall  not  remain  in  force.  No  portion  of  this  arbitration  provision  may  be  amended, 
severed, or waived absent a written agreement between you and us.  

Credit Reporting  
We may report information about your account to credit bureaus. Late payments, missed 
payments,  or  other  defaults  on  your  account  may  be  reflected  on  your  credit  report. If 
you  request  additional  cards  on  your  account  for  others,  you  understand  that  we  may 
report account information in your name as well as in the names of those other people. 
We may also obtain followup credit reports on you (for example, when we review your 
account  for  a credit  line  increase).  If  you  wish  to  know  the  names  of  the  agencies  we 
have contacted, write us at the Customer Service address listed on the billing statement. 
We will try to notify you by telephone or by  mail of any legal process served on  us in 
order to give you an opportunity to object to it, unless the law prohibits the notice. If you 
think  we  reported  erroneous  information  to  a  credit  reporting  agency,  write  us  at  the 
Customer  Service  address  listed  on  the  billing  statement. We  will  promptly  investigate 
the matter. We will then tell you if we agree or disagree with you. If we agree, we will 
contact each credit reporting agency to which we reported and will request they correct 
the report. If we disagree with you after our investigation, we will tell you in writing or by 
telephone and instruct you how to submit a statement of your position to those agencies. 
Your statement will become a part of your credit record with them. As required by Utah 
law, you are hereby notified that a negative credit report reflecting on your credit record 
may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit 
obligations.  

Telephone Monitoring and Recording  
From  time  to  time  we  may  monitor  and  record  your  telephone  calls  regarding  your 
account with us to assure the quality of our service.  

Closing Your Account  
You  may  close  your  account  at  any  time  by  notifying  us  in  writing  or  over  the  phone. 
However, you remain responsible to pay the total balance according to the terms of this 
Agreement. We may close your account or suspend your account privileges at any time 
for any reason not prohibited by applicable law without prior notice. We may also reissue 
a  different  card  or  account  number  at  any  time.  You  must  return  the  card  to  us  upon 
request.  

4 

5 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Refusal of the Card  
We are not responsible if a transaction on your account is not approved, either by us or 
by a third party, even if you have sufficient credit available. We may limit the number of 
transactions that may be approved in one day. If we detect unusual or suspicious activity 
on your account, we may suspend your credit privileges until we can verify the activity.  

Changing this Agreement  
We  may  change  the  rates,  fees,  and  terms  of  this  Agreement  from  time  to  time  as 
permitted  by  law.  Changing  terms  includes  adding,  replacing,  or  deleting  provisions  of 
this Agreement. These changes are  binding on  you. Subject to applicable law, we will 
give  you  advance  written  notice  of  the  changes  and  a  right  to  opt  out  to  the  extent 
required by law.  

 

 

 

1. 

2. 

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.  
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 your revolving credit limit.  

Enforcing this Agreement  
We  can  delay  in  enforcing  or  fail  to  enforce  any  of  our  rights  under  this  Agreement 
without losing them.  

Assignment  
We may assign any or all of our rights and obligations under this Agreement to a third 
party.  

Applicable Law  
The terms and enforcement of this Agreement shall be governed by federal law and the 
law of Illinois, where we are located. This Agreement and your account are governed by, 
to the extent that state law applies, the law of Illinois without regard to its conflict of law 
principles. Further, this Agreement is made in Illinois and credit is extended to you from 
Illinois, regardless of where you live or use your account.  
For Maryland residents only, to the extent federal law and the laws of the State of Illinois 
do  not  apply,  this  Agreement  is  governed  by  Title  12,  Subtitle  9  of  the  Maryland 
Commercial Law Article.  

New Jersey Residents  
Because certain provisions of this Agreement are subject to governing law, they may be 
void, unenforceable or  inapplicable in some jurisdictions. None of these provisions are 
void, unenforceable or inapplicable with New Jersey.  

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  the  address  for  billing 
inquiries and correspondence shown on the front of your statement.  

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:  

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 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.)  
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.  
You must not yet have fully paid for the purchase.  

2. 

3. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing at the address for billing inquiries and correspondence shown on the front of 
your statement.  

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. 

®/™ Harris N.A. is a registered trademark of Bank of Montreal. Diners Club, Diners Club 
International with the Split Circle Device, Carte Blanche and Club Cash are registered 
trademarks of Diners Club International Ltd.  

®* MasterCard is a registered trademark of MasterCard International Incorporated.  

10043172 (06/11)

7 

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Table 

Payment Information 

All charges made on this charge card are due and payable when you receive your periodic statement. 

Fees 

Annual Membership Fee 

Primary Card Fee $300 

Additional Card Fee $150 

Transaction Fees 

  Transaction Fee for Club 

Cash® Advances 

Either $4.00 or 4% of the amount of each cash advance, 
whichever is greater 

  Foreign Purchase 
Transaction Fees 

Penalty Fees 

  Late Payment Fee 

3% of each purchase transaction in U.S. dollars 

Up to $35.  If you do not pay a Past Due amount for two 
consecutive billing cycles, your fee will be up to $35 or 2.5% of 
the total Past Due amount. 

  Returned Payment Fee 

Up to $29