CARDMEMBER AGREEMENT RATES AND FEES TABLE
INTEREST RATES AND INTEREST CHARGES

Purchase Annual
Percentage Rate (APR)

10.24%. This APR will vary with the market based on the Prime Rate.a

How to Avoid Paying
Interest on Purchases

Your due date will be a minimum of 25 days after the close of each billing cycle. We will not charge you interest
on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

None

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 Membership Fee
Penalty Fees

None

Late Payment
Over-the-Credit-Limit
Return Payment

Up to $29.
None
Up to $15.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions). See Interest Charges section in this Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full
details.
Penalty Fees: A single violation of each type will not exceed $25. However, if another violation of the same type occurs within six monthly billing periods we will charge up to
the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.
Minimum Payment: We will calculate the minimum payment as the larger of: 1) $25 (or total amount you owe if less than $25); or 2) the sum of 1% of the new balance, the
periodic interest charges, and late fees we have billed you on the statement for which your minimum payment is calculated.
Prime Rate: Variable APRs are based on the 3.5% Prime Rate as of March 31, 2016.
a We add 6.74% to the Prime Rate to determine the Purchase APR (daily periodic rate currently 0.02806%). Maximum APR 29.99% (daily periodic rate 0.08217%).

COL00061

WELCOME TO

YOUR CARDMEMBER AGREEMENT

CFB00282.indd   1

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica (Medium) 
Helvetica Neue (77 Bold Condensed) 
Berthold Akzidenz Grotesk (Medium)

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Images and Legal

Inks & Notes

Images: 
05686_logo_vCMY_ChaseLogo.eps (36.2%) 
05686_logo_vWHT_ChaseLogo.eps (65.12%)

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
WELCOME TO YOUR ACCOUNT.
Review and save the following important information about your account. This document together with the Rates and Fees Table is an agreement between you, the cardmember, and Chase Bank USA, N.A., a 
subsidiary of JPMorgan Chase & Co. If you have any questions, please call us using the number on the back of your card. Chase has agreed to lend you money as described in this agreement, and you agree to 
pay us back together with interest charges and fees. Your use of the account or any payment on the account indicates your acceptance of the terms of this agreement. If any fee in the Rates and Fees Table is 
marked none, the section of this agreement that relates to that fee does not apply.

1

GETTING STARTED: YOUR ACCOUNT 
Get acquainted with your account by reviewing the important terms below.

IMPORTANT TERM WHAT IT MEANS TO YOU

OUR RESPONSIBILITY

Credit Limit

You  are  responsible  for  the  total  balance  at  all  times,  even  if  your  balance  exceeds  your 
credit limit.

We will post your current credit limit on your monthly billing statement, and may 
cancel,  change  or  restrict  it  or  your  credit  availability  at  any  time.  We  are  not 
obligated to allow your account to go over its credit limit.

Authorized Users

You are responsible for any use of your account by an authorized user or anyone else that you 
permit to use your account. You must notify us if you want them to stop using your account. 
You  also  are  responsible  for  getting  any  cards,  checks  or  other  means  of  accessing  your 
account from the authorized user.

If you request, we may issue cards that access your account to your authorized 
users. If you wish to terminate an authorized user, we may close your account and 
open a new account with a different account number.

Annual  
Membership Fee

If your account has an annual fee, you are responsible for it every year your account is open or 
until your account is closed and paid in full. Your monthly billing statement will tell you how to 
cancel your account and avoid future annual fees.

If your account has an annual fee, we will add your annual fee to your monthly 
billing statement once a year, whether or not you use your account. Your annual 
fee will be added to your purchase balance and may incur interest.

Amendments

We may change the terms of this agreement including APRs and fees from time to time. 
We may also add new terms or delete terms. APRs or other terms may also change 
without amendment, for example when the Prime Rate changes. See the Variable Rate 
section for details.

Our ability to make changes to this agreement is limited by applicable law. 

CFB00282.indd   2

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica (Medium) 
Helvetica Neue (57 Condensed, 47 Light 
Condensed, 77 Bold Condensed, 67 Medium 
Condensed) 
Berthold Akzidenz Grotesk (Bold)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
TERM

WHAT IT MEANS

IMPORTANT DEFINITIONS

Payment Due 
Date

Payments are due on the payment due date shown on your monthly statement. The monthly statement also explains when the payment must reach us in order to be considered 
received as of that date. Payments received after the required time will be credited on the next business day.

Variable Rate

We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or 
federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as 
of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The 
Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Default

Your account will be in default if:
1) You do not pay at least the minimum payment when due; 2) You exceed your credit limit; 3) You fail to comply with this or other agreements with us or one of our related banks; or 4) 
We believe you may be unwilling or unable to pay your debts on time; you file for bankruptcy; or you become incapacitated or die.
If your account is in default, we may close it without notice and require you to pay your unpaid balance immediately. We can also begin collection activities. To the extent permitted by 
law, if you are in default because you have failed to pay us, we will require you to pay our collection costs, attorneys’ fees, court costs, and all other expenses of enforcing our rights 
under this agreement.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

2

CFB00282.indd   3

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica Neue (47 Light Condensed, 57 
Condensed, 77 Bold Condensed, 67 Medium 
Condensed, 47 Light Condensed Oblique) 
Helvetica (Medium)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
USING YOUR CARD 
You can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You cannot use your  
account for illegal purposes, such as Internet gambling and writing checks against uncollected funds.

3

TRANSACTIONS

WHAT IT MEANS TO YOU

OUR RESPONSIBILITY 

Purchases

You may use your account to buy goods and services at locations that accept the card. We authorize charges to your account in accordance with the terms of this agreement.

Automatic Charges

You may set up scheduled and repeat transactions to your account. If your account 
is closed or suspended, or your account number changes, you will need to contact 
any persons that you are paying by automatic transactions.

We are not responsible for scheduled and repeat transactions if your account is closed, 
suspended or the account number changes.

Promotions

You may receive special offers related to your account.

Any special offer is subject to this agreement, unless explained otherwise.

Authorization of 
Transactions / Closing 
Your Account

We are not obligated to honor every transaction, and we may close or suspend 
your account. Sometimes we close accounts based not on your actions or 
inactions, but on our business needs.

We may decline transactions for any reason, including: operational matters, the account 
is in default, or suspected fraudulent or unlawful activity. We are not responsible for any 
losses associated with a declined transaction.

PAYING US BACK 
You will receive a billing statement, if one is required, each month. It will show your minimum required payment.  
After you make a payment, it may take up to 15 days to restore available credit on your account.

IMPORTANT 
INFORMATION

WHAT IT MEANS TO YOU

OUR RESPONSIBILITY

Payment 
Instructions

You must follow the payment instructions on your billing statement. You can pay us by: check, money 
order, or electronic payment drawn on a U.S. bank or a foreign bank branch in the U.S. All payments 
must be in U.S. Dollars. You authorize us to collect any payment check either electronically or by draft. 
Payments marked “paid in full” must be sent to the Conditional Payments address shown on your 
billing statement. See your billing statement for complete payment instructions.

As long as you make your payment in accordance with the instructions on your 
billing  statement  by  the  date  and  time  payments  are  due,  we  will  credit  your 
payment  as  of  the  same  day  it  is  received.  We  may  accept  and  process  any 
payments marked as “paid in full” without losing our rights.

CFB00282.indd   4

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica (Medium) 
Helvetica Neue (57 Condensed, 77 Bold 
Condensed, 47 Light Condensed, 67 Medium 
Condensed)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
Minimum 
Payment

You agree to pay at least the minimum payment when due. You also agree to pay overlimit amounts 
when billed to your monthly statements or sooner if we ask. Minimum payments may include specific 
fixed payments that are part of special promotions. You can pay down balances faster by paying more 
than the minimum payment or the total unpaid balance on your account.

We will calculate your minimum payment based on the method described below 
the  Rates  and  Fees  Table.  The  minimum  payment  will  appear  on  your  monthly 
statement and includes any past due amounts.

Interest-Free 
Period (also 
called Grace 
Period) on 
Purchases

• The interest-free period is the time when you are not charged interest on new purchases.
•  Your  account  is  in  an  interest-free  period  when  you  pay  your  New  Balance  as  shown  on  your 
statement every month by the due date and time. During this period, you will not pay interest on 
purchases.

•  We do not charge interest on any part of the purchase balance that you pay while 

your account is in an interest-free period.

•  We  charge  interest  on  purchases  from  the  date  the  transactions  appear  on 
your account (until the balance is paid in full) when your account is not in an 
interest-free period. 

•  For more details about how we calculate your interest charges, see the Interest 

Charges section of this agreement.

•  When you make a payment, generally, we first apply your minimum payment to the balance on your 

monthly statement with the lowest APR.

Payment 
Allocation

•  Any payment above your minimum payment would generally then be applied to the balance on your 

monthly statement with the highest APR first.

•  If you do not pay your balance in full each month, you may not be able to avoid interest charges 

We  apply  payments  to  balances  appearing  on  your  monthly  statement  before 
being applied to new transactions. An example of a new transaction is a recent 
purchase you made that has not yet been included in the New Balance as shown on  
your statement.

on new purchases.

Credit Balances

You may request a refund of any credit balance.

If you do not request a refund, we will apply any credit balance to new charges on 
your Account. If a credit balance remains on your account for 6 months and the 
amount is $1 or more, we will automatically refund it to you. If your credit balance 
is less than $1, it will be removed from your account but we will send the credit 
balance to you if you ask us to do so.

4

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

CFB00282.indd   5

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica Neue (47 Light Condensed, 57 
Condensed, 77 Bold Condensed, 67 Medium 
Condensed) 
Helvetica (Medium)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
“HOW TO AVOID...” 
Certain transactions and situations may cause your account to receive a fee or have another impact on your account. The information below explains how you can avoid these outcomes. Amounts of these fees 
are listed in the Rates and Fees Table. The Rates and Fees Table indicates amounts “up to” certain limits for penalty fees because applicable law may restrict our ability to impose the full amount of the penalty 
fee in some circumstances. See the “Penalty Fees” provision below the Rates and Fees Table for additional detail reflecting limitations imposed under applicable law. Special services you request may incur 
additional service fees; be sure to carefully review the details of any additional services to understand the terms.

5

“HOW TO AVOID...” WHAT TO DO

Late Fee

Ensure Chase receives at least the minimum payment shown 
on your billing statement when due.

Over-the-Credit-
Limit Fee

Ensure your total balance stays below your credit limit.

WHAT IT MEANS
If any payment is late, we may charge you a late fee. If the fee is based on a balance, we calculate the fee using the 
total balance at the end of the day the fee is charged.

If you agree to allow us to charge overlimit fees, we may charge such a fee when your account balance goes over limit. 
We may charge this fee even though your balance is over limit because of a transaction we allowed. You may withdraw 
your consent to our charging overlimit fees at any time.

Return Payment Fee

Do not submit a payment that could be returned unpaid.

We may charge this fee if the payment you offer to us is not honored, is returned unpaid, or cannot be processed.

Collections

Do not default.

If you are in default, we may take the actions described above in the Default section under Important Definitions above.

CFB00282.indd   6

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica (Medium) 
Helvetica Neue (57 Condensed, 77 Bold 
Condensed, 47 Light Condensed, 67 Medium 
Condensed)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
“WHAT HAPPENS IF...?” 
Review this section for common situations or questions that might require action from you or Chase. 

“WHAT HAPPENS IF…?”

ACTION

WHAT IT MEANS

… I think I found a mistake on 
my statement?

… I’m dissatisfied with a credit 
card purchase?

We will investigate

Write to us or contact us on our Website within 60 days after the suspected error appears on your billing statement. We will investigate 
and contact you with our findings. Please see the Your Billing Rights section below for more details.

We will research the problem

First, attempt to resolve the problem with the merchant. Then write to us or contact us on our Website about the purchase. We will 
research the problem and contact you with our findings. Please see the Your Billing Rights section below for more details.

… my card is lost or stolen?

Contact us immediately and 
stop using your account

If your card is lost or stolen, or you think someone used your account without permission, tell us immediately by calling the Cardmember 
Services number on your card or billing statement. We need your help to find out what happened and correct the problem.

... my account is closed or 
suspended? 

You remain responsible for your 
balance

Even if your account is closed or suspended, you must still repay all amounts you owe under the account.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

6

CFB00282.indd   7

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica Neue (47 Light Condensed, 57 
Condensed, 77 Bold Condensed, 67 Medium 
Condensed) 
Helvetica (Medium)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
ABOUT OUR RELATIONSHIP
Maintaining a positive relationship with you is very important to us. Please review these terms to understand more about your account.

7

IMPORTANT INFORMATION WHAT IT MEANS

Communications

We may send cards, statements and other communications to you at any mailing or email address in our records. If more than one person is responsible for this account, 
we can provide billing statements and communications to one of you. When you give us your mobile phone number, we have your permission to contact you at that number 
about all your Chase or J.P. Morgan accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology 
for informational and account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. 
Message and data rates may apply. You may contact us anytime to change these preferences. We may also send an email to any address where we reasonably believe we 
can contact you. Some of the legal purposes for calls and messages include: suspected fraud or identity theft; obtaining information; transactions on or servicing of your 
account; collecting on your account; and providing you information about products and services. Notify us immediately of any changes to your contact information using the 
Cardmember Services address or phone number shown on your billing statement.

Telephone Monitoring

We may listen to and record your telephone calls with us.

Credit Information

We may obtain and review your credit history from credit reporting agencies and others. We may also provide information about you and your account to credit reporting 
agencies and others. We may provide information to credit reporting agencies about this account in the name of an authorized user. If you think we provided incorrect 
information, write to us and we will investigate.

Enforcement

We may enforce the terms of this agreement at any time. We may delay enforcement without losing our right to enforce this agreement at a later time. If any terms of this 
agreement are found to be unenforceable, we may still enforce the other terms.

Governing Law

This agreement and your account will be governed by federal law, as well as the law of Delaware, and will apply no matter where you live or use this account.

Assignment

We may assign your account, balances you owe, or any of our rights and obligations under this agreement. The third party is then entitled to any of our rights that we assign 
to them.

NJ Residents

All provisions of this agreement are valid, enforceable and applicable in New Jersey.

CFB00282.indd   8

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica (Medium) 
Helvetica Neue (57 Condensed, 77 Bold 
Condensed, 47 Light Condensed, 67 Medium 
Condensed)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
PROMOTIONAL FINANCING
If you have been offered promotional financing on a purchase at a business establishment where your card is accepted (“Promotional Purchase”), one of the following paragraphs will apply to your Promotional 
Purchase, as applicable. Please see your statement for the amount of any payments due, any applicable deferred interest charges and the Promotional Purchase expiration date. Promotional Financing terms will 
end if we do not receive any minimum payment within 60 days of the date and time due.

TYPE OF PROMOTIONAL 
FINANCING

HOW IT WORKS

Deferred Interest Promotion 
(with Payments).

Fixed Payments

If you accept this type of promotional financing, which may be marketed as “no interest” or “same as cash” financing, periodic interest will be charged to your account from the 
purchase date at the APR for purchases or such other promotional APR disclosed on the purchase receipt or other disclosure document if: (1) the balance of your Promotional 
Purchase is not paid in full within the promotional period disclosed on the purchase receipt or other disclosure document provided to you at the time of the purchase or (2) we 
do not receive any minimum payment within 60 days of the date and time due. We will generally allocate your payments as described in the Paying Us Back section of this 
agreement; however, all payments made above your minimum payment during the last two billing cycles immediately preceding expiration of the promotional period will be 
allocated to your Promotional Purchase balance to allow you to pay it in full within the promotional period. After the expiration date, any Promotional Purchase balance that 
remains and all accrued periodic interest charges will become part of your purchase balance and bear interest at the APR for purchases unless the penalty APR is applicable.

If you accept this type of promotional financing, you will be required to pay for your Promotional Purchase by making a specific fixed payment each month in the estimated 
amount and for the number of months indicated on the purchase receipt or other disclosure document provided to you at the time of the purchase. Your actual specific fixed 
payment amount will be disclosed on your statement and will be part of your minimum payment. The last payment due on your Promotional Purchase may vary in amount and 
will generally be smaller. Each specific fixed payment includes a portion of the periodic interest charges calculated at the promotional APR disclosed on the purchase receipt 
or other disclosure document. After the expiration date, any Promotional Purchase balance that remains will become part of your purchase balance and bear interest at the 
APR for purchases unless the penalty APR is applicable.

Qualified Promotional 
Transaction (with Required 
Payments)

If you accept this type of promotional financing, your Promotional Purchase will not accrue periodic interest charges during the promotional period disclosed to you on the 
purchase receipt or other disclosure document provided to you at the time of the purchase. After the expiration date, any Promotional Purchase balance that remains will 
become part of your purchase balance and bear interest at the APR for purchases unless the penalty APR is applicable.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

8

CFB00282.indd   9

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica Neue (47 Light Condensed, 57 
Condensed, 77 Bold Condensed, 67 Medium 
Condensed) 
Helvetica (Medium)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
INTEREST CHARGES

9

Daily Interest Rates and Annual Percentage Rates may be found on the Rates and Fees Table.

Periodic Interest Charge Calculation—Daily balance method (Including new transactions):
We calculate a daily balance for each type of transaction and use the daily balances to determine your interest charges.

We figure the “daily balance” for each transaction type as follows:

•  We take the beginning balance for each day and add 

-  any interest charge from the prior day (known as compounding of interest) and 
-  any new transactions or other debits (including Annual Membership Fees, transaction fees, Penalty Fees, any other fees and unpaid interest charges).

•  We subtract payments or credits, and treat any net credit balance as a zero balance.
•  The result is the daily balance for each type of transaction.

We figure the interest charges on your account as follows:

•  To get the daily interest rate for each type of transaction we divide the APR by 365. We may combine different transaction types that have the same daily interest rates.
•  We multiply the daily interest rate by the daily balance for each transaction type for each day in the billing cycle.
•  We add together the interest charges for each day in the billing cycle for each transaction type.
•  If any interest charge is due, we will charge you at least the minimum interest charge shown on the Rates and Fees Table.

We add transactions and fees to your daily balance no earlier than:

•  For new purchases – the date of the transaction.
•  Fees – either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle, whichever we may choose.

The Balances Subject to Interest Rate for each type of transaction shown on your billing statement is the sum of the daily balances for that type of transaction divided by the number of days in the billing cycle. 
We may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest charges and related amounts.

CFB00282.indd   10

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica (Medium) 
Helvetica Neue (57 Condensed, 67 Medium 
Condensed, 47 Light Condensed, 77 Bold 
Condensed)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
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, contact us in writing at the Customer Service address or electronically at the website address as shown on your billing statement. In your communication, 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 or electronically. 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 Written or Electronic Communication

When we receive your communication, we must do two things:

1.   Within 30 days of receiving your communication, we must tell you that we received it. We will also tell you if we have already corrected the error.
2.   Within 90 days of receiving your communication, 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.

(continued on next page)

10

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

CFB00282.indd   11

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica Neue (47 Light Condensed, 57 
Condensed, 77 Bold Condensed, 67 Medium 
Condensed, 47 Light Condensed Oblique, 67 
Medium Condensed Oblique)

Images and Legal

Inks & Notes

Images: 
None

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None

 
 
 
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 contact us in writing or electronically 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 the Customer Service address or electronically at the website address shown on your billing 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.

Copyright ©2015 JPMorgan Chase & Co. All rights reserved.

CFB00282.indd   12

CFB00282.indd

Last Saved: 2-24-2015 1:35 PM   ::   Workstation: C02KG099DNMN   ::   By: Fortune, Kelly M

11

CFB00282

2/24/15   1:51 PM

Print Scale: None

Job info

Segment: Fulfillment 

Campaign: CFB CMA 

Cell: None 

WR #: 110128 

Partner: Chase 

Program ID: 99999974 

RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

Document info

Trim: 8.5” x 3.75”
Folded Size: None
Fold Position: None

Fonts

Helvetica Neue (47 Light Condensed, 47 Light 
Condensed Oblique, 67 Medium Condensed, 57 
Condensed)

Images and Legal

Inks & Notes

Images: 
05686_logo_vWHT_ChaseLogo.eps (36.2%)

Legal

Claim ID: 
None

Footnotes:  
None

Cyan
Magenta
Black

Notes:  
None