CREDIT CARD AGREEMENT 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate 
(APR) for Purchases 

28.8% 

How to Avoid Paying Interest  

Your due date is at least 23 days after the close of each Billing 
Cycle. We will not charge you interest on purchases if you pay 
your entire balance by the Payment Due Date each month. 

Minimum Interest Charge  

If you are charged interest, the charge will be no less than $2. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

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 

FEES 

Annual Fee 
Penalty Fees 

None 

  Late Payment Fee 

Up to $40 

  Returned Payment Fee 

Up to $40 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new 
purchases).”  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Credit Card Agreement below. 

We may change APR, Fees, and other terms at any time and for any reason in accordance with 
this Credit Card Agreement and applicable law. 

The information about costs of the card described in this agreement is accurate as of April 7, 2020. This 
information may  have changed after that date. To find out  what may have changed, please  write us at: 
Credit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. 

READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, 
OR SUBMIT YOUR ELECTRONIC CONSENT 

This  is  your  Consumer  Credit  Card  Agreement  (“Agreement”)  with  Credit  First  National  Association,  a 
national  banking  association  located  at  6275  Eastland  Road,  Brook  Park,  Ohio  44142  (“CFNA”).    This 
Agreement  governs  the  use  of  your  credit  card  account  with  us  (“Account”)  and  includes  the  following 
“Related Documents”: 

  Application  -  The  application  or  solicitation  you  signed  or  otherwise  submitted  to  request  the 

Account;  

  Card Carrier - The card carrier we send with the credit card or cards we issue you; 
  Promotional Credit Plan Terms - Any special terms we provide you if you make a purchase under 
a special promotional plan or terms outside of this standard agreement as outlined in Section 6. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The Related Documents are incorporated by reference into this Agreement.  Your handwritten, electronic 
or digital signature on any document you sign in connection with the use of your card or Account is part of 
this Agreement.  These documents include, but are not limited to, your card, Application or any accepted 
sales slip.  Participating merchants that may honor your card are not a party to this Agreement.  Please 
read this Agreement and keep it for your records.   

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). Members of the Armed Forces and their 
dependents are under no duty to waive their right to legal recourse under any applicable provision of Federal 
or State law, including any provision of the Servicemembers Civil Relief Act. Members of the Armed Forces 
and their dependents are not required to submit to arbitration as described in Section 19 below or elsewhere 
in this Agreement. You may contact us toll-free at 855.209.0588 for information about the Military Annual 
Percentage Rate and/or your payment schedule. 

AUTHORIZATION 

By signing the application, signature capture device or through your electronic consent, you certify to each 
of the following statements:  You have read and agree to the terms and conditions set forth in this document. 
You are applying to Credit First National Association (CFNA) for a credit card with a credit limit up to the 
amount for which you qualify.  The application information you provided is true, correct and complete, and 
CFNA  may  rely  on  it.    You  authorize  CFNA  to  obtain  credit  reports  about  you  from consumer  reporting 
agencies in considering this application and subsequently for the purpose of any update, review, renewal 
or  extension  of  credit,  or  in  reviewing  or  collecting  on  the  Account.    You  understand  and  agree  that  by 
providing CFNA with a wireless telephone number, you are providing express written consent to receiving 
autodialed and prerecorded message calls from CFNA or its servicers, its assignees, or its third party debt 
collectors at this number. You authorize us, our servicers, assignees, or third party debt collectors to contact 
you  by  telephone,  mail,  e-mail,  fax,  prerecorded  message,  automated  voice,  text  message,  digital, 
computerized,  or  other  means  allowable  by  law  regarding  your  Account.  You  understand  that  if  CFNA 
approves your application, CFNA will extend credit to you from its office in Ohio. You agree to be bound by 
the terms set forth in the Agreement.  You also understand that the Agreement includes an Arbitration 
Section  that  allows  you  or  CFNA  to  resolve  by  arbitration  claims  arising  from  or  related  to  the 
Agreement  and  your  Account  through  the  American  Arbitration  Association.    The  Arbitration 
Section will prevent you and CFNA from having claims resolved by a judge or jury and prevent you 
from participating as a representative or member of any class of claimants for claims subject to 
arbitration.  Other rights available in court may also not be available in arbitration.  You can reject 
the  Arbitration  Section  within  30  days  after  CFNA  opens  your  Account  as  explained  in  the 
Agreement. 

By submitting your application, you acknowledge that you have read, understood and received a copy of 
this document and if approved for credit by CFNA, agree to be bound by the terms set forth in this 
document.   

1. DEFINITIONS.  

  You and your - each person who requested an Account approved by CFNA. 
  We, us and our - CFNA or any person or entity to which CFNA sells or gives your Account.   
  Credit Card or Card - each credit card we issue to you or a person any of you authorizes to use the 

Account. 

 
 
 
  Authorized User - a person any of you authorizes to use the Account and to whom we may issue a 

Card. 

Other capitalized terms are defined in the Agreement.  Defined terms have the same meaning when used 
in your monthly billing statement (“Statement”).   

2. YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise to do everything this 
Agreement  requires  of  you.  For  joint  Accounts,  each  of  you  promises  to  do  everything  this  Agreement 
requires. You specifically promise to pay all amounts owed because of transactions made on your Account 
by  any  of  you  and  any  Authorized  User.  You  will  be  bound  by  this  Agreement  when  you  submit  an 
Application that is approved by us, sign a sales slip using the Card, or use or permit someone else to use 
credit provided through the Card or Account. You will use the Card only for personal, family, or household 
purposes, and not for business, commercial, or agricultural purposes.  You agree that at any time for any 
reason we may reissue a Card to you and/or may ask you to return any or all Cards. 

A. Default. Your Account will be in default if you fail to do something that this Agreement requires of you, 
subject to any restrictions under applicable law.  If that happens, we may tell you to pay us immediately 
everything you owe under the Account and applicable law. We will tell you in advance and/or give you an 
opportunity to cure your default only if applicable law requires us to do so.  

3. CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount we allow you to owe us 
at any time.  If you exceed any credit limit that we have set for your Account, we can still charge you for all 
transactions, Interest Charges and other charges (“Finance Charges”) without giving up any of our rights 
under  this  Agreement.   We  may  increase  or  decrease  your  Credit  Limit  at  any  time  at  our  option.    The 
reasons  for  changes  may  include,  for  example,  your  credit  history  with  us,  your  default  under  this 
Agreement (see Section 2 above), fraud prevention or changes to this credit card program or CFNA policy. 
A portion of your available credit may be inaccessible until we confirm that your payment has been honored. 

4. MONTHLY STATEMENTS; BILLING CYCLES.  We will send you a Statement at the end of each Billing 
Cycle  in  which  (a)  your  Account  has  a  balance  of  $1  or more,  (b)  an  Interest  Charge  is  imposed  or  (c) 
applicable law requires us to send a Statement. We send only one Statement for your Account each month. 
Each Statement will show, among other things, the date on which the most recent Billing Cycle ended (the 
“Statement  Closing  Date”  of  the  Billing  Cycle),  Previous  Balance,  Payments  and  Credits,  Transactions, 
Interest Charges, other Fees and Charges, Payment Due Date, New Balance and Minimum Payment Due. 
A Billing Cycle means the days between Statement Closing Dates.  

5. PAYMENTS.  

A. Minimum Payment. You may pay all of your Account balance at any time without penalty. You 
must pay us at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on 
your Statement. The Minimum Payment Due for each Billing Cycle will be the greater of (a) 3.5% of the 
New Balance (rounded up to the nearest whole dollar) plus all past due amounts and any Late Payment 
Fee, Returned Payment Fee, or unpaid Service Fee incurred during the previous Billing Cycle; or (b) $27 
(or  any  amount  less  than  $27  needed  to  pay  your  Account  balance  in  full).  The  New  Balance  used  to 
determine your Minimum Payment Due includes Regular Credit Plan transactions and Promotional Credit 
Plan balances (see Section 6 below for a description of Credit Plans).  

B. Methods of Payment. If paying by mail, send your personal check or money order, payable in U.S. 
dollars, along with the payment coupon to Credit First N.A. at the payment address shown on your 
statement. Payments received by 5PM Eastern Time (ET) at the payment address shown on your 
statement will be credited as of the business day of receipt. If received after 5PM ET, the payment 
will be credited as of the next business day. Payments made through the CFNA website (CFNA.com), 
Interactive  Voice  Response  System  (IVR,  self-service  option),  or  through  a  CFNA  representative 
(800.321.3950) prior to 11:59PM ET will be credited as of the same business day; Payments made 

 
 
 
 
 
 
after  5PM  ET  may  not  be  reflected  on  your  account  for  up  to  1-2  business  days.  Follow  all  of  the 
instructions  for  making  a  payment  specified  on  your  Statement.  Any  payment  that  does  not  conform  to 
these requirements may not be credited to your Account for up to five days, or may be rejected.  

All check payments must be issued by a legitimate U.S. based bank registered to do business in the 
U.S. Do not send cash. You agree not to send us any check marked “payment in full” or with similar 
terms or conditions. If you do, the check must be sent to our Dispute Resolution Department at a separate 
address for inquiries specified on your statement. We can accept such checks as late or partial payments 
without losing our right to receive the full amount owed on your Account.  

C. Application of Payments. We apply payments first to previously billed Interest Charges and Fees; then 
to your purchases. The application of payments may be amended by Promotional Credit Terms. Except as 
otherwise prohibited, we will apply payments greater than the required Minimum Payment amount and any 
credits to  balances on  your Account  in  a  way that  is  deemed appropriate  by  us. We will  also follow the 
requirements of applicable law when allocating your payments. 

6. CREDIT PLANS.  

A. Regular Credit Plan. You may use your Account for transactions that may or may not be subject to 
Promotional Credit Plan terms. Any balance of transactions not subject to Promotional Credit Plan terms 
will be part of your Regular Credit Plan and treated as your “Revolving Balance.”  

B.  Promotional  Credit  Plans.  At  our  option,  we  may  offer  Promotional  Credit  Plans.  Any  Promotional 
Credit Plan offered may apply for a limited period of time. Our rights and your responsibilities will change if 
you make a qualifying purchase under a Promotional Credit Plan. If your purchase amount qualifies for a 
Promotional  Credit  Plan,  you  will  automatically  be  enrolled  in  promotional  financing  and  the  applicable 
Promotional Credit Plan terms will be given to you in a separate document. Promotional Credit Plan terms 
temporarily  modify  certain  terms  of  this  Agreement  for  qualifying  purchases,  and  all  other  terms  of  this 
Agreement  remain  unchanged.  Any  temporary  modification  of  Agreement  terms  for  Promotional  Credit 
Plans will not limit or affect any other rights we have under this Agreement or applicable law. 

7.  INTEREST  CHARGES.  We  will  calculate  periodic  Interest  Charges  on  your  Account  for  each  Billing 
Cycle  by  multiplying  a  monthly  periodic  rate  (“Periodic  Interest  Rate”)  by  the  Average  Daily  Balance 
(including new transactions) on your Account. A Periodic Interest Rate is one-twelfth of its corresponding 
Annual Percentage Rate (“APR”). We will charge you a Minimum Interest Charge of $2 for any Billing Cycle 
in which an Interest Charge of less than $2 would otherwise be imposed.   

A. Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that applies to your Revolving Balance 
is 2.4% (corresponding APR 28.8%) (“Interest Rate”). 

B. How We Calculate Average Daily Balance Subject to Periodic Interest Charges.  To get the Average 
Daily  Balance  for  your  Revolving  Balance,  we  first  must  determine  the  daily  balance  for  your  Revolving 
Balance. To get the daily balance, we take the beginning Revolving Balance of your Account each day. Then 
we subtract any payments or credits applied to your Revolving Balance, and any unpaid Interest Charges. 
We add to that amount any new Regular Credit Plan transactions, Late Payment Fees, and other Account 
fees and administrative charges. We then add up all the daily balances and divide by the number of days in 
the Billing Cycle. This gives us the Average Daily Balance for your Revolving Balance. We do not charge 
Interest Charges on unpaid Interest Charges, that is, we do not compound Interest Charges. 

C.  When Interest Charges Begin to Accumulate. Interest Charges accumulate on each purchase from 
the later of (a) the date of the transaction or (b) the first day of the Billing Cycle in which the transaction posts 
to  your  Account.  Any  interest  which may  have  been  waived  due  to  the  receipt of  a  payment,  and  which 
payment is later deemed insufficient or rejected will result in the re-application of waived interest to your 
account.  We do not assess Interest Charges in the following circumstances: 

1. 

If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment Due 
Date during that previous Billing Cycle (or if that New Balance was $0 or a credit balance), then: 

• 

• 

if you pay the New Balance on your current Monthly Statement in full by the Payment Due Date 
in  your current Billing Cycle. Interest Charges will not be imposed on Purchases during your 
current Billing Cycle, and  

if  you make a payment that is less than the New Balance by the Payment Due Date in your 
current Billing Cycle, that payment will be credited as of the first day in your current Billing Cycle. 

2. 

If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay that 
New Balance by the Payment Due Date during that previous Billing Cycle, we will not charge Interest 
Charges  on  any  Purchases  during  the  current  Billing  Cycle  if  you  pay  the  New  Balance  at  the 
beginning of your current Billing Cycle by its Payment Due Date. 

8.  FEES. 

A.  Late  Payment  Fee.  If  we  do  not  receive  at  least  the  Minimum  Payment  Due  within  the  timeframes 
described in the Method of Payment section (section 5B) on your Payment Due Date, we may add to your 
Account a Late Payment Fee of $29; or $40 if you did not make the Minimum Payment in any of the prior 
six Billing Cycles by the Payment Due Date. Or;  

If we do not receive your mailed payment that is at least the Minimum Payment Due by 5PM ET on your 
Payment Due Date, we may add to your account a Late Payment Fee of $29; or $40 if you did not make 
the Minimum Payment in any of the prior six Billing Cycles. If we do not receive your online (CFNA.com), 
Interactive Voice Response System (IVR, self-service option), or CFNA representative assisted payment 
that is at least the Minimum Payment Due by 11:59PM ET on your Payment Due Date, we may add to your 
account a Late Payment Fee of $29; or $40 if you did not make the Minimum Payment in any of the prior 
six Billing Cycles by the Payment Due Date. 

However, the Late Payment Fee will never exceed the amount of your required Minimum Payment to which 
the Late Payment Fee relates.  Any Late Payment Fee assessed will be added to the Revolving Balance 
on your Account. 

B.  Returned  Payment  Fee.  If  your  payment  by  check,  ACH,  electronic  debit  or  other  instrument  is 
dishonored by your bank or must be returned for any reason, we will add a Returned Payment Fee of $29, 
or $40 if you had a returned payment in any of the six prior Billing Cycles, to the Revolving Balance of your 
Account.  However, the Returned Payment Fee will never exceed the amount of your most recent required 
Minimum Payment. 

9. LOST OR STOLEN CARD OR IDENTITY THEFT. If you notice the loss or theft of your credit card or a 
possible  unauthorized  use  of  your  card  (including  suspected  identity  theft),  you  should  write  to  us 
immediately at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us 
at 800.321.3950.  You will not be liable for any unauthorized use that occurs after you notify us.  You may, 
however, be liable for unauthorized use that occurs before your notice to us.  In any case, your liability will 
not exceed $50. 

10. ACCOUNT CANCELLATION. 

A. How to Cancel Your Account. You (either of you if more than one) may cancel your Account at any 
time by notifying us by telephone or in writing. You still must pay the full amount you owe us.  

 
 
 
 
 
B. We Have the Right to Cancel Your Account. We may cancel your Account and Cards at any time for 
any reason. Any Card issued for your Account must be cut in half and the pieces sent to us if we ask. This 
includes each Card you gave to others. You still must pay the full amount you owe us, and this Agreement 
will continue to apply to any unpaid balance. 

11. CREDIT AUTHORIZATIONS. We will authorize all Account purchases in advance. A merchant may 
ask you to provide identification. We may not be able to authorize a transaction, even if you have sufficient 
available credit, for example if our authorization system is not working or if we suspect possible fraud. We 
will not be liable to you if this occurs. We may not authorize a transaction if your Account is over your Credit 
Limit or delinquent; if we authorize such a transaction, we do not consider it to be an increase in your Credit 
Limit. We are not responsible if any merchant refuses to accept or honor your Credit Card. 

12. CREDIT INVESTIGATION AND CREDIT REPORTS. You hereby authorize us to investigate your credit 
record. You agree that a credit report may be requested in connection with the processing of an application 
for credit, and subsequently in connection with any extension of credit, or any consideration of an increase 
to your credit limit, or any renewal or update of your Account, or to take collection action on the Account, or 
to investigate disputes regarding the Account. You also authorize us to furnish information concerning the 
status and payment history of your Account to credit bureaus and other creditors. If you believe that we 
have reported inaccurate information about you to a credit reporting agency, please contact us at CFNA, 
BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. In doing so, please provide your 
Account number, name, address, phone number, and any other supporting documentation, in addition to 
specifying the inaccurate information and explaining why you believe it is incorrect. If you have a copy of 
the credit report that includes the inaccurate information, please send a copy of that report to us as well.  

13. COMMUNICATIONS.  You authorize us, or our servicers, assignees, or third party debt collectors to 
contact you by telephone, mail, e-mail, fax, prerecorded message, automated voice, text message, digital, 
computerized, or other means allowed by  law regarding  your Account.  You agree that  we may call  you 
about your Account using an automatic dialing - announcing device and that these calls will not be deemed 
"unsolicited" calls under state or federal law.  You understand and agree that by providing us with a wireless 
telephone  number,  you  consent  to  receiving  autodialed  and  prerecorded  message  calls  from  us  or  our 
servicers, assignees, or third party debt collector at that number. We may monitor and/or record telephone 
calls between you and us to assure the quality of our customer service. You agree that monitoring and/or 
recording may be done and that no additional notice to you or additional approval from you is needed. 

A. Your Address.  We will consider your current address and state of residence to be the same as the 
billing address we maintain in our records. You agree to notify us of any change in your name, residence, 
or billing address by writing to us at the address shown on your Statement. Any notices required by law 
shall be deemed received if mailed to your current address.  

14. GOVERNING LAW. This Agreement and your Account are governed by Federal law applicable to a 
national  bank  and,  to  the  extent  not  preempted  by  Federal  law,  the  laws  of  Ohio,  without  regard  to  its 
conflicts of law provisions. This is the law we mean when we refer in this Agreement to a term that may be 
in  Ohio. 
permitted  or 

law.  We  have  accepted 

required  by  applicable 

this  Agreement 

15. WAIVER. We may, at our discretion from time to time without notice, waive any of our rights under this 
Agreement in certain circumstances. We can waive our rights without affecting our other rights. If we waive 
any right, we do not waive the same right in other circumstances or at other times. 

16. SEVERABILITY. If any provision of this Agreement is finally determined to be unenforceable under any 
law, rule, or regulation, all other provisions of this Agreement will still be valid and enforceable. 

17. ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or any interest we hold in 
your Account without notice to you. You may not sell, assign or transfer your Account. 

 
 
 
 
 
 
 
 
 
 
18. CHANGE IN TERMS. We may change the terms of this Agreement at any time, and we may add or 
delete terms in this Agreement.  These changes may include, for example, Interest Charge rates, fees and 
this Change in Terms provision.  We will give you notice of any change as required by applicable law. Any 
change will apply on and after its effective date to new transactions and existing balances on your Account, 
except as limited by applicable law.   

19. ARBITRATION.  For purposes of this Arbitration Section, the terms "we," "us" and "our" refer to Credit 
First  National  Association,  its  parents,  wholly  or  majority  owned  subsidiaries,  affiliates,  predecessors, 
successors, assigns, employees, officers and directors. If either you or we choose arbitration, neither you 
nor we will have the right to litigate that claim in court or to have a jury trial on that claim, or to engage in 
pre-arbitration  discovery,  except  as  provided  for  in  the  arbitration  rules  of  the  American  Arbitration 
Association (“AAA”). In addition, you will not have the right to participate as a representative or member of 
any class of claimants related to any claim subject to arbitration. The arbitrator's decision will generally be 
final  and  binding.  Other  rights  that  you  would  have  if  you  went  to  court  may  also  not  be  available  in 
arbitration. It is important that you read the entire arbitration provision carefully before accepting the terms 
of this Agreement.  

A "Claim" is any pre-existing, present, or future claim, dispute, or controversy of any kind (including but not 
limited to constitutional, statutory, regulatory, common law, contract, tort and equitable claims) arising from 
or relating to (a) the credit offered or provided to you or requested by you, (b) the actions of you, us or third 
parties, or (c) the validity or meaning of this arbitration provision and every other provision in this Agreement.   

You agree that either you or we can choose to have any Claim resolved by binding arbitration.  You and 
we acknowledge that each waives the right or opportunity to litigate a Claim in a court of law, and 
that each agrees to resolve any Claims arising out of this Agreement through binding arbitration. 
This Section does not apply to any of our regular Account collection efforts.  If this Section (or any part of 
it)  is  determined  invalid  or  illegal  under  any  applicable  statute  or  rule  of  law,  it  will  be  deemed  omitted 
without affecting any other provisions of this Agreement, which shall remain in full force and effect. 

There shall be no authority for any Claims to be arbitrated on a class action basis. An arbitration can 
only decide our or your Claim and may not consolidate or join the claims of other persons who may have 
similar claims.  

Any arbitration will be conducted in accordance with the AAA’s rules applicable to consumer disputes.  For 
additional information go to: http://www.adr.org/.   Any arbitration hearing that you attend will take place in 
the federal judicial district where you reside. At your request, we will advance the first $250 of the filing and 
hearing fees for any Claim you may file against us; the arbitrator will decide whether we or you will ultimately 
pay those fees. This arbitration agreement is made pursuant to a transaction involving interstate commerce 
and shall be  governed by the Federal Arbitration  Act, 9 U.S.C.  Sections 1-16. The arbitrator shall apply 
applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations, 
and shall honor claims of privilege recognized by law. This arbitration provision shall survive repayment of 
your extension of credit and termination of your Account.  

Judgment upon the award may be entered in any court of law of competent jurisdiction.  

You can reject this Arbitration Section if you write to us within 30 days after we open your Account.  
Send a letter that you do not agree to the Arbitration Section.  The letter must include your name, address 
and Account number. Mail the letter to CFNA, BK-12/Legal, P.O. Box 81315, Cleveland, Ohio 44181-0315.  
This is the only way  you can reject the Arbitration Section. If you reject the Arbitration Section, all other 
parts of this Agreement still apply to your Account.  

 
 
 
 
 
 
 
 
 
 
 
 
20. ENTIRE AGREEMENT. This Agreement, including the Related Documents incorporated by reference 
into it, is the entire agreement between you and us relating to your Account. This Agreement replaces any 
other agreement relating to your Account that you and we made earlier or at the same time. If any of the 
Related Documents has any information that is not the same as information in this Agreement, we will 
follow this Agreement unless the other document says we should follow that document. You may not 
modify any term or provision of this Credit Card Agreement.  

SIGNATURES. Your handwritten, electronic or digital signature on any document you sign in connection 
with the use of your Card or Account represents your signature on this Agreement.  

NOTICES: 
California Residents:  If you are married, you may apply for a separate account. 
New York Residents: Upon your request, you will be informed of whether or not a credit report was 
ordered, and if it was, you will be given the name and address of the consumer reporting agency that 
furnished the report. 
Ohio Residents:  Ohio laws against discrimination require that all creditors make credit equally available 
to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on 
each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.  
Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement 
under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the 
interest of CFNA, unless CFNA, prior to the time 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 CFNA is 
incurred. 
NJ Residents: Certain provisions of this Agreement are subject to applicable law. As a result, they may 
be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are void, 
unenforceable or inapplicable in 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 CFNA, BK-11/Customer Service, P.O. Box 
81315, Cleveland, Ohio 44181-0315 

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: 

•  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 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.  
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 
CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will inform you of our decision. At that point, if we think you owe an amount and you 
do not pay, we may report you as delinquent. 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT  

To help the government fight the funding of terrorism and money laundering activities, Federal 
law requires all financial institutions to obtain, verify and record information that identifies each 
person who opens a new account. What this means for you: When you open an account, we will 
ask for your name, address, date of birth, and other information that will allow us to identify you. 
We may ask to see your driver’s license or other identifying documents.  

R014 CFNA 04/2020