PRICING ADDENDUM FOR DILLARD’S AMERICAN EXPRESS® CREDIT CARD AGREEMENT
As of November 1, 2021

Interest Rates and Interest Charges
Annual Percentage Rate (APR) 
for Purchases

U.S. Prime Rate + 21.74%  

This APR will vary with the market based on the U.S. Prime Rate (“Index Rate”).

APR for Cash Advances

U.S. Prime Rate + 23.74%

Paying Interest

Minimum Interest Charge

This APR will vary with the market based on the U.S. Prime Rate (“Index Rate”).

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances on the transaction date.
If you are charged interest, the charge will be no less than $1.00.

FFeesees
Annual Fee

None

Transaction Fees
•  Cash Advance
•  Foreign Currency Conversion

Penalty Fees

•  Late Payment

Either $10.00 or 4% of the amount of each cash advance, whichever is greater.
3% of each transaction converted to U.S. dollars

Up to $40.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Late Payment Fee: The fee will be the lesser of the Total Minimum Payment Due or $29.00. For any subsequent 
event within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $40.00.
How We Will Calculate Your Variable APRs: The APR used to figure interest for purchases on your Account is figured by adding a margin 
of 21.74 percentage points to the U.S. Prime Rate for that Billing Cycle. The APR used to figure interest for cash advances is figured by 
adding a margin of 23.74 percentage points to the U.S. Prime Rate. These rates vary with the market based on the U.S. Prime Rate. See your 
Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of November 2021. This information may have changed 
after that date. To find out what may have changed, call us at 1-866-834-6294.

Variable Interest Rate Calculation

Index Rate effective as of 11/01/2021

Margin added to the Index Rate to determine your APR for Purchases

Margin added to the Index Rate to determine your APR for Cash Advances

APR for Purchases

APR for Cash Advances

3.25%

21.74%

23.74%

24.99%

26.99%

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6102OA DILLARDS AMEX 1121 
DILLARD’S AMERICAN EXPRESS® CREDIT CARD AGREEMENT

Notice to California Cardmembers 
To our California customers who have discussed credit card terms and conditions with us 
in Spanish, Chinese, Korean, Vietnamese, or Tagalog:
Read the section titled INTERPRETER CERTIFICATION before you use your Account.
Lean la sección titulada CERTIFICACIÓN DE INTÉRPRETE antes de usar su Cuenta.
請您在使用您的帳戶之前閱讀標題為「翻譯員認證」的章節。
계좌를 사용하시기 전에 “통역사 증명” 항목을 읽으시기 바랍니다.
Hãy đọc phần có tựa đề XÁC NHẬN VỀ THÔNG DỊCH VIÊN trước khi quý vị sử dụng 
Trương mục của mình.
Basahin ang seksiyong may pamagat na SERTIPIKASYON NG TAGAPAGSALING-WIKA bago 
mo gamitin ang iyong Account. 
These terms apply to your entire Account.
About Your Account 
AGREEMENT. This Credit Card Agreement (“Agreement”) covers the use of your Credit Card 
Account (“Account”) with us. It includes the Important Terms of Your Credit Card Account. 
You accept the terms of this Agreement by opening or using your Account. Your signature on 
your application or solicitation for this Account, including without limitation any electronic 
or digital signature, as well as your signature on Sales Slips or any Account-related document, 
represents your signature on this Agreement. Please read this Agreement carefully and save 
it for future reference. 
PARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Bank, N.A., 
P.O. Box 10347, Des Moines, IA 50306 (“we,” “us,” and “our”) and the account holder (“you” 
and “your”).
CONTACTING US. Unless stated otherwise in this Agreement, you may contact us at the 
phone number or address shown on your statement. 
DEFINITIONS.

Billing Cycle

The  interval  between  statements.  Each  statement  shows  a
closing date. The statement closing date is the last day of the 
Billing Cycle for that statement.

Card

The credit card we may issue to use your Account.

Important Terms 
of Your Credit Card 
Account

New Balance

Outstanding 
Balance

A  summary  of  your  Account’s  Annual  Percentage  Rates 
(“APRs”), fees and other important information.

The Outstanding Balance as of a statement closing date.

The  sum  of  all  unpaid  amounts,  including  purchases,  cash
advances, interest, fees and any other amounts that you may 
owe us.

Payment Address

The  address  where  you  mail  your  payment.  It  is  located  on 
your Payment Stub.

Payment Due Date

The date the Total Minimum Payment Due is due to us. It is 
shown on your statement.

Payment Stub

Sales Slip

The portion of your statement that is to be returned with your 
payment.

Any document that describes the terms of a purchase on the 
Account.

OVERVIEW  OF  ACCOUNT.  Your  Account  may  be  divided  into  two  or  more  balances. 
Different terms may apply to different balances.
USING YOUR ACCOUNT. You may use your Account for purchases and cash advances:
•  Purchases. You may use your Account for purchases from Dillard’s locations, including 
Dillard’s website, and from any merchant that accepts American Express Cards. Purchases 
will be part of the regular balance unless a Dillard’s Sales Slip shows that Club Plan terms 
apply. If Club Plan terms apply, the purchase will be part of a Club Plan balance. Club 
Plans are described later in this Agreement (see Club Plans section).

•  Cash Advances. If we allow you to take cash advances, they will be part of your cash 
advance balance. You may take a cash advance by presenting your Card at a participating 
bank  or  Automated Teller  Machine  (“ATM”). There  may  be  limits  on  the  amount  and 
frequency of advances.

You promise that you will use your Account only for lawful personal, family or household 
purposes.  In  addition,  we  reserve  the  right  to  deny  transactions  or  authorizations  from 
merchants apparently engaging in the Internet gambling business or identifying themselves 
through the Card transaction record or otherwise as engaged in such business. American 
Express Cards are not presently accepted for the purchase of bets, lottery tickets or casino 
gaming chips. We are not responsible if anyone does not allow you to use your Account.
PROMISE TO PAY. When you use your Account, or let someone else use it, you promise to 
pay the total amount of the purchase or cash advance, as well as any interest, fees or other 
amounts that you may owe us. We may limit or close your Account, but the terms of this 
Agreement will apply until you pay the Account in full.
CREDIT LIMIT. We will assign a Credit Limit to your Account. A Credit Limit is the amount of 
credit we will extend to your Account. Your Credit Limit is provided with your Card and on 
each of your statements. You promise to use your Account only to the Credit Limit. If you 
exceed your Credit Limit, we may authorize the transaction without increasing your Credit 
Limit. If you exceed your Credit Limit, you will remain liable for all amounts payable under 
this Agreement. We can adjust your Credit Limit at any time.

Fees and Interest 
FEES. You agree to pay the following fees. You will find the fee amounts in the Important 
Terms of Your Credit Card Account. 
•  Late  Payment  Fee.  This  fee  may  be  charged  each  time  we  do  not  receive  the  Total 
Minimum Payment Due by the Payment Due Date. This fee will be charged to your regular 
balance.

•  Cash Advance Fee. This fee may be charged when you take a cash advance. This fee will 

be charged to your cash advance balance.

•  Foreign Transaction Fee. We will charge this fee for purchases you make in currencies 
other  than  U.S.  dollars  and/or  in  a  country  other  than  the  U.S.,  whether  or  not  the 
transaction was in a foreign currency. This fee will be charged to your regular balance.
Currency Conversion. If you make a transaction with your Account in a currency other than 
U.S. dollars, American Express will convert the transaction amount into U.S. dollars. Unless 
a specific rate is required by applicable law, American Express will choose a conversion rate 
that is acceptable to them for that date. The rate American Express uses to make conversions 
from transactions in foreign currencies to U.S. dollars is no greater than the highest official 
rate  published  by  a  government  agency  or  the  highest  interbank  rate  from  customary 
banking  sources  on  the  conversion  date  or  business  day  prior  to  the  day  on  which  the 
transactions are processed by American Express or American Express’ agents, which rates 
may  differ  from  the  rates  in  effect  on  the  transaction  date.  Charges  converted  by  third 
parties will be converted at their rates. American Express charges a commission of 1% on 
transactions you make with your Account in currencies other than U.S. dollars, and in U.S. 
dollars outside the U.S. (including charges made from websites outside the U.S.), but never 
on the same transaction. We charge a fee for each transaction that you make in a country 
other than the United States, whether or not the transaction was in a foreign currency. This 
fee will be equal to 2% of the dollar amount of the foreign transaction.
INTEREST RATES. The daily periodic rates are calculated by dividing each applicable APR 
by 365. The APRs used to figure interest on balances are shown in the Important Terms of 
Your Credit Card Account.
PRIME RATE. The Prime Rate we use is the U.S. Prime Rate published in the Money Rates 
section of The Wall Street Journal. We select the Prime Rate published on the first business 
day of the month preceding the month of the quarterly rate change date. If more than one 
Prime Rate is published, we will use the average of the Prime Rates. If the Prime Rate is no 
longer published or is not available, we may select a similar rate. The APR will increase or 
decrease if the Prime Rate increases or decreases and this will also cause the daily periodic 
rate to increase or decrease. An increase or decrease in the APR will increase or decrease 
the total amount of interest you pay. It may also increase or decrease the Total Minimum 
Payment Due. The rate change date for each quarter is the first day of the first Billing Cycle 
beginning on or after January 1, April 1, July 1, and October 1.  
WHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging interest 
on a purchase, cash advance or interest charge on the date the purchase, cash advance or 
interest charge posts to your Account. We begin charging interest on a fee on the first day of 
the Billing Cycle following the Billing Cycle in which the fee posts to your Account. However, 
if a late payment fee is posted to your Account in the current Billing Cycle, but is related to 
a late payment in the prior Billing Cycle, we will begin charging interest on the fee on the 
first day of the current Billing Cycle. 
HOW TO AVOID PAYING INTEREST ON PURCHASES. Except as described in the Club Plans 
section below, to avoid paying interest on new Purchases you have to pay your entire New 
Balance by the Due Date on your statement each Billing Period. You cannot avoid interest 
on cash advances.
HOW WE CALCULATE INTEREST—AVERAGE DAILY BALANCE METHOD (INCLUDING 
NEW PURCHASES). The total interest charge is the sum of interest charges for each type 
of  balance  on  your  Account  (e.g.  regular,  cash  advance  balance). We  figure  the  interest 
charge for each type of balance on your Account by applying the daily periodic rate to 
the average daily balance (“ADB”). Then, we multiply this amount by the number of days 
in the Billing Cycle.

Interest charge = daily periodic rate x ADB x number of days in the Billing Cycle.

ADBs for each type of balance are calculated separately, starting with the beginning balance 
on the first day of each Billing Cycle. The beginning balance on the first day of the Billing 
Cycle includes the following:
•  The prior Billing Cycle’s ending balance, which includes any unpaid fees posted to your 

Account in the prior Billing Cycle. 

•  Any late payment fees posted in the current Billing Cycle that are related to a late payment 

in the prior Billing Cycle. 

To get the ADB for each type of balance, we take the beginning balance each day and add 
any new purchases and cash advances. Except for the first day of each Billing Cycle, we 
add interest equal to the previous day’s balance multiplied by the daily periodic rate. (This 
means interest is compounded daily.) Then, we subtract any payments or credits. This gives 
us the daily balance. Any daily balance that is a credit balance will be treated as zero. Then, 
we add up all the daily balances for the Billing Cycle. We divide this amount by the number 
of days in the Billing Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

MINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge 
will be no less than $1.00.
Payments 
TOTAL MINIMUM PAYMENT DUE. You promise to pay the Total Minimum Payment Due by 
the Payment Due Date. The Total Minimum Payment Due is the greater of (A) or (B), plus (C):
(A)  $29.00 (or $40.00 if we do not receive the Total Minimum Payment Due by the Payment 

Due Date in any one of the prior six Billing Cycles)

2 of 5

6102OA DILLARDS AMEX 1121 
 
(B)  The sum of:

•  Any past due amounts; plus
•  Any fees assessed during the current Billing Cycle; plus 
•  1% of the new balance (excluding any Club Plan balance); plus
•  The sum of any interest charges in the current Billing Cycle

(C)  The payment(s) for any Club Plan 12 or Club Plan 24 balances (see Club Plans section).
The Total Minimum Payment Due will never be more than the New Balance. If you pay more 
than the Total Minimum Payment Due but less than the Outstanding Balance, you are still 
required to pay the Total Minimum Payment Due in the next Billing Cycle.
PAYMENT INSTRUCTIONS. Follow these instructions when making a payment:
•  Make your payment in U.S. dollars, but do not send cash.
• 

If you make a payment by mail, please include the Payment Stub with your payment. 
Use the envelope enclosed with your statement to mail both documents to the Payment 
Address.  Payments  received  by  5:00  p.m.  local  time  at  the  Payment  Address  will  be 
credited as of the date of receipt. Payments received after the 5:00 p.m. cut-off time will be 
credited as of the next day. When you provide a check as payment, you authorize us either 
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 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. Your billing statement also explains how 
information on your check is used. 
If you make a payment online, it must be made via Dillard’s website, which is shown on 
your statement. The cut-off time for online payments will be disclosed at the time of the 
transaction. 

• 

•  You also can make a payment at a Dillard’s store. Payments received at the Dillard’s store 

location where payment is made will be credited as of the date of receipt.

If you do not follow these instructions, your payments may not receive credit for up to five 
days after we receive it. You may at any time pay, in whole or in part, the Outstanding Balance 
without any additional charge for prepayment. 
Some of your available line of credit may be held at our discretion, until your payment is 
honored.
IRREGULAR  PAYMENTS.  We  may  accept  late  payments,  partial  payments  or  payments 
that reflect “paid in full” (or other restrictive language), without losing our rights to receive 
full payment. If you intend to claim to pay your Account in full with an amount less than 
the Outstanding Balance, payments must be sent to us at Wells Fargo Bank, N.A., P.O. Box 
10311, Des Moines, IA 50306-0311.
APPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the Total 
Minimum Payment Due at our discretion. We apply any payment amounts in excess of the 
Total Minimum Payment Due to balances with higher APRs before lower APRs.
Any payment in excess of the Total Minimum Payment Due is applied based on the balances 
reflected on your last statement. We post payments in the Billing Cycle they are received.
Other Information 
CANCELLATION. We may close your Account at any time and for any reason. You may also 
close the Account at any time by contacting us. If that happens, you must still repay the 
balance owed according to the terms of this Agreement. If we close the account, notice may 
be provided to only one Account Holder.
AUTHORIZED  USERS.  You  may  request  additional  Cards  for  authorized  users.  You  are 
responsible for all charges (including related interest and fees) made by the authorized 
user. If you want to end an authorized user’s privilege to use your Account, before we can 
process the request, you must:
•  Recover and destroy that person’s Card. If you do not recover and destroy the Card, you 
will continue to be liable for any charges made after you advised us of your wish to cancel 
the privileges, unless you tell us to cancel all Cards and establish a new Account for you.
•  You must notify us of your request by contacting us at the phone number or address 

shown on your statement.  

In general, an authorized user is not obligated on this Account and is not liable for any 
Outstanding Balance or any other charges made by you or by any other authorized user. 
Each authorized user’s privilege ends automatically upon the death of all account holders. 
If any person uses the Card, such use indicates his or her agreement to pay us, and we may, 
at our discretion, pursue the person for payment of any Outstanding Balance or any other 
charges they authorize. You agree to notify each authorized user that they are subject to 
all applicable sections of this Agreement.
CONTACTING YOU. By providing us with any phone number, you are expressly consenting 
permission to contact you at that number about all of your Wells Fargo accounts. You give 
consent to allow us to contact your past, present and future phone service providers to 
verify the information you have provided against their records. You agree that your phone 
service providers may verify any phone numbers you have supplied to the name, address, 
and status on their records. In order for us to service your Account or to collect any amounts 
you may owe, you agree that we may contact you using any contact information related to 
your Account, including any number (i) you have provided to us, (ii) from which you called 
us, or (iii) which we obtained and reasonably believe we can reach you. We may use any 
means to contact you. This may include contact from companies working on our behalf to 
service your Accounts. This may include automated dialing devices, prerecorded/artificial 
voice messages, mail, e-mail, text messages and calls to your mobile, wireless or similar 
device or Voice over Internet Protocol (VolP) service, or any other data or voice transmission 
technology. You are responsible for any service provider charges as a result of us contacting 
you. You agree to promptly notify us if you change any contact information you provide 
to us. This includes your name, mailing address, e-mail address(es), or phone number(s).
PHONE MONITORING. We may monitor and record your phone calls with us.

LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to contact 
us immediately if your Card is lost or stolen or if you believe your Account is being used 
without your permission. You may contact us at: 1-866-834-6294 or P.O. Box 10347, Des 
Moines, IA 50306. You agree to assist us in our investigation of the matter. If you do this, you 
will not be held liable for the unauthorized use of your Account, but you will be responsible 
for all use by anyone you give your Card to or allow to use your Account.
DEFAULT. Your Account will be in default if any of the following occur:
•  You fail to pay the Total Minimum Payment Due by the Payment Due Date.
•  Any payment is dishonored.
•  You violate the terms of this Agreement.
•  You made an untrue statement on your application.
•  You file for bankruptcy.
If your Account is in default, our rights include, but are not limited to, refusing to authorize 
further transactions, closing your Account, and requiring the immediate payment of the 
Outstanding Balance. If your Account is in default, you also agree to pay our collection costs, 
attorney’s fees, and court costs.
GOVERNING LAW. Federal law and the laws of South Dakota govern this Agreement and 
your Account.
CHANGE IN TERMS. We may change this Agreement at any time. These changes may 
apply to existing and future balances. We will give you advance written notice of the 
change(s) and a right to reject the change(s) if required by law. We may require you 
to close your Account or take other actions if you reject the changes.
ENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our rights without 
losing them. We may waive or delay enforcing a right against one of you without waiving 
it as to the other.
SEPARATION  OF  UNLAWFUL  PROVISIONS.  If  any  provision  of  this  Agreement  is 
determined to be unlawful, the rest of the Agreement will stand and the unlawful provision 
will be deemed amended to conform to law.
INFORMATION SHARING. When you applied for an Account, you gave us and Dillard’s, 
Inc. information about yourself that we could share with each other. Dillard’s, Inc. will use 
the  information  in  connection  with  the  credit  program  and  for  things  like  creating  and 
updating its records and offering you special benefits. Federal or state laws may limit our 
ability to share your personal and/or Account information with Dillard’s, Inc. even though 
you have given us this authorization. We comply with these federal and state laws. Please 
refer to the Wells Fargo Bank, N.A. Dillard’s Privacy Notice for more information about how 
we collect, share, and protect your information, as well as how you may limit some, but not 
all, information sharing.
CREDIT INFORMATION. You promise that any information you give to us in connection 
with your Account is true and complete. You understand that we rely on this information 
to open your Account and extend credit to you. You authorize us to investigate your credit, 
employment,  assets,  and  income  records  and  to  verify  your  credit  references. You  also 
authorize us to obtain credit reports on you from time to time.
INFORMATION REPORTING. You agree that we may report your performance, status, and 
history under this Agreement to consumer reporting agencies. 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 additional cardmembers. If you fail to comply 
with the terms of the Account as defined in this Agreement, it will be furnished to the credit 
reporting agencies and it could cause a negative reference on your credit report and the 
credit reports of any additional cardmembers. You have the right to dispute the accuracy 
of information that we have reported by writing to us at Wells Fargo Bank, N.A., P.O. Box 
14517, Des Moines, IA 50306 and describing the specific information that is inaccurate or 
in dispute and the basis for any dispute with supporting documentation. In the case of 
information that you believe relates to an identity theft, you will need to provide us with 
an identity theft report.
ASSIGNMENT. We have the right to assign your Account to another creditor. The other 
creditor is then entitled to any rights we assign to them. You do not have the right to assign 
your Account.
Club Plans 
These terms apply to Club Plans.
CLUB PLANS. From time to time, certain Dillard’s purchases may qualify as a Club Plan 
purchase. If a Sales Slip shows that Club Plan terms apply, then the purchase will be governed 
by the Club Plan terms (described below) and the terms of this Agreement. You accept the 
Club Plan terms by making the purchase.
•  Club Plan 12. If a Sales Slip shows that Club Plan 12 terms apply, this means the payment 
is the amount required to pay the initial purchase balance in full in 12 equal monthly 
payments. Because of rounding, the final payment could be less than other payments.
•  Club Plan 24. If a Sales Slip shows that Club Plan 24 terms apply, this means the payment 
is the amount required to pay the initial purchase balance in full in 24 equal monthly 
payments. Because of rounding, the final payment could be less than other payments.
•  We will not charge you interest on a Club Plan 12 or Club Plan 24 balance. The payment 
amount for any Club Plan 12 or Club Plan 24 balance(s) is included in the Total Minimum 
Payment Due (see Total Minimum Payment Due section).

Interpreter Certification 
INTERPRETER CERTIFICATION. THIS CERTIFICATION APPLIES IF YOU CHOSE TO DISCUSS 
OPENING  AN  ACCOUNT  WITH  US  IN  SPANISH,  CHINESE,  KOREAN,  VIETNAMESE,  OR 
TAGALOG. By signing the credit card application, using or otherwise accepting the Card 
or related Account issued to you, you certify to Wells Fargo Bank, N.A. (us) that: (1) You 
have received and discussed this Agreement with your interpreter and that you and your 
interpreter have been given an opportunity to discuss with us the terms and conditions 
contained in these enclosed documents; (2) Your interpreter is at least 18 years old and is 
fluent both in English and in the language in which you chose to discuss with us the terms 

3 of 5

6102OA DILLARDS AMEX 1121and conditions of your Account, and is not employed by or made available through the 
Merchant; (3) You understand and agree to the terms and conditions contained in these 
enclosed documents as written.
CERTIFICACIÓN  DE  INTÉRPRETE.  ESTA  CERTIFICACIÓN  SE  APLICA  SI  USTED  ELIGIÓ 
CONVERSAR CON NOSOTROS SOBRE LA APERTURA DE UNA CUENTA EN ESPAÑOL, CHINO, 
COREANO, VIETNAMITA  O TAGALO.  Al  firmar  la  solicitud  de  tarjeta  de  crédito,  utilizar  o 
aceptar de otro modo la Tarjeta o la Cuenta relacionada que se le haya otorgado, usted 
certifica  a Wells  Fargo  Bank,  N.A.,  (nosotros)  que:  (1)  Usted  ha  recibido  y  analizado  este 
Contrato con su intérprete, y que usted y su intérprete han tenido la oportunidad de analizar 
con nosotros los términos y condiciones contenidos en estos documentos adjuntos; (2) Su 
intérprete tiene por lo menos 18 años de edad y habla con fluidez en inglés y en el idioma 
en el que usted haya elegido analizar con nosotros los términos y condiciones de su Cuenta, 
y no es un empleado ni ofrece sus servicios a través del Comerciante; (3) Usted entiende y 
acepta los términos y condiciones contenidos en estos documentos adjuntos tal como se 
encuentran redactados.
翻譯員翻譯員認證。認證。本認證於當您選擇以西班牙語、中文、韓語、越南語或塔加拉族語與
我們討論開戶事宜之時適用。一旦您簽署信用卡申請表，使用或以其他方式接受核發
給您的信用卡或相關帳戶，即表示您向富國銀行  (Wells  Fargo  Bank,  N.A.)（我們）證
明：(1)  您已經收到並與您的翻譯員討論過本協議，並且您和您的翻譯員都有機會與
我們討論這些所附文件中的條款和條件；(2) 您的翻譯員至少年滿 18 歲，並具有流利
的英語能力且深諳您所選與我們討論您的帳戶條款和條件的語言，且其並未受僱於商
家或由商家提供；(3) 您理解並同意遵守這些所附文件中的書面條款和條件。
통역사 증명. 이 증명은 계좌 개설에 관한 사항을 스페인어, 중국어, 한국어, 베트남어 
또는  타갈로그어로  논의하기로  하신  경우에  적용됩니다.  신용카드  신청서에 
서명하시고,  회원님께  발급된  신용카드  또는  관련  계좌를  사용하거나  수락하시는 
것은 회원님께서 (1) 본 계약서를 수령하고 그 내용을 담당 통역사와 함께 검토했으며 
회원님과 담당 통역사는 동봉된 문서에 기재된 약관의 내용을 당사와 함께 논의할 
기회를 부여받았고, (2) 담당 통역사는 18세 이상이며 회원님 계좌의 약관에 관해 
당사와  논의할  때  회원님께서  사용하기로  선택하신  언어와  영어  모두에  능통한 
사람이고 Wells Fargo Bank, N.A.(미국)에서 채용하거나 알선한 인력이 아니며, (3) 
이 동봉된 문서에 기록된 약관의 내용을 회원님께서 이해하고 그에 동의했음을 Wells 
Fargo Bank, N.A.(미국) 측에 증명하신다는 의미입니다.
XÁC NHẬN VỀ THÔNG DỊCH VIÊN. PHẦN XÁC NHẬN NÀY ĐƯỢC ÁP DỤNG NẾU 
QUÝ  VỊ  ĐÃ  CHỌN  THẢO  LUẬN  VỀ  VIỆC  MỞ  TRƯƠNG  MỤC  TẠI  NGÂN  HÀNG 
CHÚNG TÔI BẰNG TIẾNG TÂY BAN NHA, TRUNG QUỐC, HÀN QUỐC, VIỆT NAM 
HOẶC TAGALOG. Với việc ký đơn xin cấp thẻ tín dụng, sử dụng hay nếu không thì chấp nhận 
Thẻ này hay Trương mục liên quan được cấp cho quý vị, quý vị xác nhận với Wells Fargo Bank, 
N.A. (chúng tôi) rằng: (1) Quý vị đã nhận được và thảo luận với thông dịch viên của mình về 
Thỏa thuận này, và quý vị cũng như thông dịch viên đều đã có cơ hội trao đổi với chúng tôi về 
các điều khoản và điều kiện ghi trong những tài liệu đính kèm này; (2) Thông dịch viên của 
quý vị phải từ 18 tuổi trở lên, thông thạo cả tiếng Anh cũng như ngôn ngữ mà quý vị đã chọn sử 
dụng để trao đổi với chúng tôi về các điều khoản và điều kiện của Trương mục, và không phải 
là nhân viên của Bên bán hoặc được Bên bán giới thiệu ; (3) Quý vị hiểu và đồng ý với nguyên 
văn nội dung của các điều khoản và điều kiện được ghi trong những tài liệu đính kèm này.
SERTIPIKASYON  NG  TAGAPAGSALING-WIKA.  ILALAPAT  ANG  SERTIPIKASYONG  ITO 
KUNG NAPILI MONG TALAKAYIN ANG PAGBUBUKAS NG ACCOUNT SA AMIN SA SPANISH, 
CHINESE, KOREAN, VIETNAMESE, O TAGALOG. Sa paglagda ng aplikasyon sa credit card, 
paggamit o kundi man ay pagtanggap ng Card o kaugnay na Account na ibinigay sa iyo, 
pinatototohanan mo sa Wells Fargo Bank, N.A. (sa amin) na: (1) Natanggap mo at tinalakay 
ang  Kasunduang  ito  sa  iyong  tagapagsaling-wika  at  ikaw  at  ang  iyong  tagapagsaling-
wika ay nabigyan ng pagkakataong talakayin sa amin ang mga tuntunin at kundisyon na 
matatagpuan sa mga nakalakip na dokumentong ito; (2) Ang iyong tagapagsaling-wika ay 
hindi mas bata sa 18 taong gulang at lubos na marunong sa Ingles at sa wika na napili mo 
para talakayin sa amin ang mga tuntunin at kundisyon ng iyong Account, at hindi naka-
empleyo sa o nakuha sa pamamagitan ng Mangangalakal (o “Merchant”); (3) Nauunawaan 
at sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na 
dokumentong ito ayon sa nakasulat.
Notices 
IN NEW JERSEY: 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, is void, unenforceable or inapplicable in New Jersey.
IN  OHIO:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit 
equally available to all creditworthy 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.
IN WISCONSIN: If you are married, please contact us immediately at: 1-855-412-2787 and 
provide us with the name and address of your spouse. We are required by law to inform your 
spouse that you have opened an account with us. Also, please note that no provision of a 
marital property agreement (including a Statutory Individual Property Agreement pursuant 
to Sec. 766.587, Wis. Stat.), unilateral statement classifying income from separate property 
under Sec. 766.59, or court decree under Sec. 766.70 adversely affects the creditor unless 
the creditor is furnished with a copy of the document prior to the credit transaction or has 
actual knowledge of its adverse provisions at the time the obligation is incurred.
THE MILITARY LENDING ACT NOTICE: Federal law provides important protections 
to  members  of  the  Armed  Forces  and  their  dependents  relating  to  extensions  of 
consumer credit. In general, the costs of consumer credit to a member of the Armed 
Forces and his or her spouse or 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). Please Note: 
There  are  NO  credit  insurance  premiums,  fees  for  ancillary  products,  or  application 
fees with this Account. 

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You  may  contact  us  at  1-844-363-9971  for  information  about  the  Military  Annual 
Percentage Rate and a description of your payment obligation.  
The Arbitration Agreement does not apply to you if you are covered by the Military 
Lending Act nor do any provisions that waive any right to legal recourse under any 
state or federal law to the extent required by the Military Lending Act.
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:
Dillard’s Card Services / Wells Fargo Bank, N.A.
P.O. Box 522
Des Moines, IA 50306-0522
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.  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:
Dillard’s Card Services / Wells Fargo Bank, N.A.
P.O. Box 522
Des Moines, IA 50306-0522
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.

The credit card program is issued and administered by Wells Fargo Bank, N.A. pursuant to 
a license from American Express. American Express is a federally registered service mark 
of American Express.

6102OA DILLARDS AMEX 1121DILLARD’S AMERICAN EXPRESS® CREDIT CARD AGREEMENT

Important Terms of Your Credit Card Account
Interest Rates and Interest Charges
Annual Percentage Rate (APR) 
for Purchases
APR for Cash Advances

24.99% This APR will vary with the market based on the U.S. Prime Rate.
26.99%
This APR will vary with the market based on the U.S. Prime Rate.
Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances on the transaction date.
If you are charged interest, the charge will be no less than $1.00.

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 https://www.consumerfinance.gov/learnmore.

None

Either $10.00 or 4% of the amount of each cash advance, whichever is greater.
3% of each transaction converted to U.S. dollars

Up to $40.00

Paying Interest

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

FFeesees
Annual Fee
Transaction Fees
•  Cash Advance
•  Foreign Currency Conversion

Penalty Fees

•  Late Payment

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Late Payment Fee: The fee will be the lesser of the Total Minimum Payment Due or $29.00. For any subsequent 
event within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $40.00.
How We Will Calculate Your Variable APRs: The APR used to figure interest for purchases on your Account is figured by adding a margin 
of 21.74 percentage points to the U.S. Prime Rate for that Billing Cycle. The APR used to figure interest for cash advances is figured by 
adding a margin of 23.74 percentage points to the U.S. Prime Rate. These rates vary with the market based on the U.S. Prime Rate. See your 
Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of November 2021. This information may have changed 
after that date. To find out what may have changed, call us at 1-866-834-6294.

ARBITRATION AGREEMENT
Binding Arbitration. You and Wells Fargo Bank, N.A. (the “Bank”), including the Bank’s assignees, agents, employees, officers, directors, shareholders, parent companies, 
subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand by either you or the Bank, the 
Dispute shall be resolved by the following arbitration process. However, the Bank shall not initiate an arbitration to collect a consumer debt, but reserves the right to arbitrate 
all other disputes with its consumer customers. A “Dispute” is any unresolved disagreement between you and the Bank. It includes any disagreement relating in any way to 
your Credit Card Account (“Account”) or related services. It includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes statutory, 
common law and equitable claims. A Dispute also includes any disagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement 
shall survive the payment or closure of your Account. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in 
a public court. As the sole exception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court’s 
jurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in 
compelling arbitration.
Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other proceeding 
has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others in any arbitration, or to include in 
any arbitration any dispute as a representative or member of a class, or to act in a private attorney general capacity. Each arbitration, including the selection of the 
arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank may mutually agree to (the AAA or such 
other mutually agreeable administrator to be referred to hereinafter as the “Arbitration Administrator”), according to the Commercial Arbitration Rules and the Supplemental 
Procedures for Consumer Related Disputes (“AAA Rules”). To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration 
Agreement shall control. Arbitrator(s) must be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter 
of the Dispute. You and the Bank (the “Parties”) agree that in this relationship: (1) The Parties are participating in transactions involving interstate commerce; and (2) This 
Arbitration Agreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any 
provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of South Dakota. If any of the provisions of this Arbitration Agreement dealing with class 
action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision 
shall not be severable and this entire Arbitration Agreement shall be unenforceable.
Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, foreclose or obtain 
possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive 
relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. Any statute of limitations applicable to any Dispute applies to any 
arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, amendment or expiration of the Account or any other relationship 
between you and the Bank.
Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please 
check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you opened your Account 
limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. We will pay any costs that are required 
to be paid by us under the Arbitration Administrator’s rules and procedures, and subject to applicable law. If the arbitrator rules in your favor on any claim presented, we will 
reimburse you for arbitration filing fees you have paid up to $700.00. Unless applicable law states otherwise, each party will pay their own attorney, expert, and witness fees. 
This rule applies no matter which party wins arbitration.
Military Lending Act. The Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any right to legal 
recourse under any state or federal law to the extent required by the Military Lending Act. Please see The Military Lending Act Notice in the Agreement for more information.
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6102OA DILLARDS AMEX 1121