Diners Club®
Carte Blanche® Card

Cardmember Agreement

Cardmember Agreement
This document and the card carrier that is sent with the card together make up 
your Card Agreement and throughout this document are referred to as Agreement 
or  Card  Agreement.  The  card  carrier  contains  important  account  information 
including  the  amount  of  any  membership  fee.  Please  read  and  keep  these 
documents for your records. This Agreement is binding on you unless you cancel 
your account within 30 days after receiving the card and you have not used or 
authorized use of your account.
To  simplify  this  Agreement  for  you,  the  following  definitions  will  apply.  The 
words you, your, and yours mean all persons responsible for complying with this 
Agreement, including the person who applied to open the account and the person 
to whom we address billing statements. The word card means one or more cards 
or other access devices, such as account numbers, that we have issued to permit 
you to obtain credit under this Agreement. The words we, us, and our mean BMO 
Harris Bank N.A. and its successor and assigns, the issuer of your account. The 
words authorized user mean any person to whom you give permission to use 
your account.

Disclosures for Active Duty Members of the Military and 
their Dependents
The following applies to members of the military and their dependents if, at the 
time you establish a covered account, you are an active duty member of the 
military or you are a dependent of an active duty member of the military (as set 
forth in the Military Lending Act, 10 U.S.C. 987, and its implementing regulations). 
The Arbitration Provision of this Agreement does not apply to individuals covered 
by this section.

Using Your Account and Your Credit Line
The card must be signed to be used. Whether you sign the card or not, you are 
fully responsible for complying with all the terms of this Agreement, including 
the obligation to pay us for all balances due on your account as specified in this 
Agreement. Your card must only be used for lawful transactions and may not be 
used to purchase goods or services for resale. 
Your card can be used to buy or lease goods or services wherever the card is 
honored. Your account has a credit limit, which may appear on your statement as 
a spend limit. The full amount of the credit limit is available to use where the card 
is honored. Subject to applicable law, we may reduce your credit limit at any time.
Your account may also include a cash limit, which will be a percentage of and 
subject to your credit limit.  With the Club Cash® feature, your card can also be 
used to obtain cash through any bank or automated teller machine that accepts 
the card, subject to your credit limit.  We may reduce your cash limit at any time, 
and we may limit the frequency and amount of cash withdrawals you may make 
in any time period.  
We will notify you of any new credit or cash limit either by sending you a notice 
or through your billing statement. A change to your cash or credit limits may take 
effect before you receive notification from us. You should always keep your total 
balance below the credit limit. However, if the total due goes over your credit 
limit you must still pay us.

Additional Cards
You may request additional cards on your account for yourself or others and you 
may permit an authorized user to have access to the card or account number. 
However,  if  you  do,  you  must  pay  us  for  all  charges  made  by  those  persons, 
including charges for which you may not have intended to be responsible. You 
must notify us to revoke an authorized user’s permission to use your account. 
If you do so, we may close the account and issue a new card or cards with a 
different account number. You are responsible for the use of each card issued on 
your account according to the terms of this Agreement.

Annual Membership Fee
The  annual  membership  fee  is  $300  for  the  primary  card  and  $150  for  each 
additional card. The fee is non-refundable unless you notify us that you wish to 
cancel your account within 30 days from the mailing or delivery date of the billing 
statement on which the fee is billed.

Billing
Your billing statement shows the total due, any interest charges, and fees imposed 
during the billing cycle, and the payment due date. It also shows your current 
credit limit; an itemized list of current charges, payments and credits; an interest 
charge  summary;  and  other  important  information.  If  we  deem  your  account 
uncollectible or if we institute delinquency collection proceedings by sending it 
to an outside collection agency or attorney for collection, we may, in our sole 
discretion, stop sending you billing statements, unless otherwise prohibited by 
applicable law. 
You must notify us of a change in your address by contacting Customer Service 
by telephone or mail. We will mail or deliver the billing statement to only one 
address.

Automatic Billing Updater Service
We participate in the Mastercard® Automatic Billing Updater (ABU) service.  When 
your card number or expiration date is updated, or your account is closed, we 
will provide the updated card information to merchants who participate in ABU 
with whom you have automatic billing arrangements (such as telephone, cable 
companies, insurance and health clubs).  Since not all merchants participate in 
ABU, you should notify each merchant with whom you have automatic billing 
arrangements of the updated card information to ensure your payments are not 
interrupted. If you do not want us to provide your card updates through ABU, 
please call the customer service number on the back of your charge card and 
allow 60 days for your opt out to take effect.

How We Determine the Balance
The total outstanding balance (the amount you owe us) appears as the “New 
Balance” on the billing statement. To determine the New Balance, we begin with 
the outstanding balance on your account at the beginning of each billing period, 
called the “Previous Balance” on the billing statement. We add any purchases 
and cash advances, and subtract any credits or payments credited as of that billing 
period. We then add the appropriate interest charges and fees and make other 
applicable adjustments.

Transaction Fee for Club Cash® Advances
You have obtained a cash advance for which we assess a cash advance transaction 
fee if you obtain funds from an automated teller machine (ATM), through home 
banking, or through a financial institution; make a wire transfer; acquire a money 
order,  traveler’s  check,  lottery  ticket,  betting  or  casino  chip,  or  similar  item; 
or  engage  in  another  similar  transaction.  For  each  cash  advance,  we  add  an 
additional charge of 4.0% of the advance, but not less than $4. The amount of the 
cash advance may include a surcharge that the ATM owner imposes. 

Credit Balance 
You may not maintain a credit balance in excess of your credit limit. We will return 
to you any credit amount over $1.00 if the amount has been on your account 
longer than six months. You may request a refund of a credit balance at any time. 
We may reduce the amount of any credit balance by the amount of new charges 
billed to your account.

Transaction Fee for Purchases Made in Foreign Currencies
For  each  purchase  made  in  a  foreign  currency,  we  add  to  your  account  an 
additional fee of 3.0% of the amount of the purchase after its conversion into 
U.S. dollars.

Information on Foreign Currency Conversion Procedures
Any purchase you make in a foreign currency or any cash advance you obtain 
in a foreign currency will be charged to your account in U.S. dollars after being 
converted by Mastercard®*. Mastercard will act according to its procedures then 
in effect. Mastercard uses a conversion rate in effect on the day the purchase or 
cash advance transaction is processed. The Mastercard conversion rate is either 
a government-mandated rate or a wholesale market rate.
The  foreign  currency  conversion  rate  in  effect  on  the  processing  date  for  a 
transaction  may  differ  from  the  rate  in  effect  on  the  sale  or  posting  date  on 
your billing statement for that transaction. If a transaction is converted by a third 
party prior to that transaction being processed by Mastercard, the foreign currency 
conversion rate for that transaction will be the rate selected by that third party.

Total Due
Each month you must pay the Total Due that is shown on your billing statement. 
Your Total Due equals the New Balance. 

Payments
You must pay the Total Due shown on each statement by the payment due date. 
Instructions  for  making  payments  are  on  your  billing  statement.  In  order  to 
be credited as of a particular day, your payment must be received in the form 
specified, and by the hour specified, in those instructions. Do not send cash 
payments. We can accept late or partial payments, as well as payments that 
reflect “paid in full” or other restrictive endorsements, without losing any of our 
rights under this Agreement. You agree to pay us in U.S. dollars drawn on funds 
on deposit in the United States using a payment check, similar instrument, or 
automatic debit that will be processed and honored by your bank. We reserve 
the right to accept payments made in foreign currency and instruments drawn 
on  funds  on  deposit  outside  the  United  States.  If  we  do,  we  will  select  the 
effective  currency  conversion  rate  at  our  discretion  and  credit  your  account 
in  U.S.  dollars  after  deducting  any  fees  or  costs  incurred  in  connection  with 
processing your payment. If such fees or costs are not fully deducted at the time 
your account is credited for a payment, we will bill you separately for them.

Optional Payment Services
Online	Payments.  You  may  pay  your  account  online  or  you  may  request  to 
make your payment by phone using our optional telephone payment service. 
Subject to applicable law, each time a representative of ours helps expedite your 
payment, you agree to pay us $14.95. Our representatives are trained to tell 
you this amount if you decide to use this optional telephone payment service.
In-Branch	 Payments.  If  you  have  a  Diners  Club  branded  card,  you  may 
deliver  your  payment  during  normal  business  hours  to  a  Customer  Service 
Representative at any bank branch identified by the BMO Harris name, brand or 
logo. We will credit such payments on the day we receive them.

Late Fee
Any portion of the Total Due from a previous billing period that remains unpaid 
will  appear  as  a  Past  Due  balance  on  the  current  card  billing  statement.  In 
addition, we will impose a late fee of up to $35. If you do not pay a Past Due 
amount for two consecutive billing cycles we will assess a late fee of up to $35 
or 2.5% of the entire Past Due balance each time any portion of a Total Due 
balance is included in a Past Due balance and the Past Due Balance is more 
than $80.00. The fee will not exceed the amount permitted by applicable law.

Returned Payment Fee 
Subject to applicable law, we may add a fee of up to $29 to the account when 
a payment check or similar instrument is not honored, when we must return it 
because it cannot be processed, or when an automatic debit is returned unpaid. 
At our option, we may assess this fee the first time your check or payment is 
not honored, even if it is honored upon resubmission. The fee will not exceed 
the amount permitted by applicable law.

Fees Disclosed at Time of Request 
Unless prohibited by law, we also may charge you other fees from time to 
time. If a fee applies to your account, we will tell you the amount of the fee 
at the time you request the service.
Some fees that may apply to your account include:
1.  A Replacement	Card	Fee if you request a replacement card;
2.   An Expedited	Delivery	Fee (in addition to any other applicable fees) if you 

ask us to send a card by expedited delivery;

3.   A Dual	Statement	Fee if you ask us to send your Statements in both paper 

and electronic form;

4.   A Document	Fee if you ask us to provide copies of documents, such as 

sales slips and receipts; and

5.   An Expedited	Payment	Fee if a representative of ours helps expedite your 

payment.

Lost or Stolen Cards or Account Numbers
If  any  card  or  account  number  is  lost  or  stolen,  or  if  you  think  someone 
used or may use them without your permission, notify us at once by calling 
the Customer Service telephone number shown on the billing statement or 
the  number  obtained  by  calling  toll-free  or  local  Directory  Assistance.  We 
may require you to provide certain information in writing to help us find out 
what happened, and to comply with such procedures as we may require in 
connection with our investigation. Don’t use the card or account number after 
we’ve been notified, even if they are found or returned. You may be liable 
for unauthorized use of the account, but not for more than $50. You won’t be 
liable for unauthorized purchases or cash advances made after we’ve been 
notified of the loss or the theft; however, you must identify for us the charges 
on the billing statement that were not made by you, or someone authorized 
by you, and from which you received no benefit.

Default
You default under this Agreement if you fail to pay, by its due date, the Total 
Due listed on each billing statement; file for bankruptcy; pay by a check or 
similar instrument that is not honored or that we must return because it cannot 
be processed; pay by automatic debit that is returned unpaid; or default under 
any  other  Card  Agreement  that  you  have  with  us.  If  you  default,  we  may, 
subject to applicable law, close your account and demand immediate payment 
of the total balance. For residents of New Hampshire: Reasonable attorneys’ 
fees will be awarded for you if you prevail in any action or suit brought by 
BMO  Harris  Bank  N.A.  Also,  if  you  successfully  assert  a  partial  defense  or 
counterclaim to an action brought by BMO Harris Bank N.A., the court may 
withhold from BMO Harris Bank N.A. the entire amount or such portion of the 
attorneys’ fees as the court considers equitable. 

Preauthorized Charges
If  you  default,  if  the  card  is  lost  or  stolen,  or  we  change  your  account  or 
account number for any reason, we may suspend automatic charges on that 
account  to  third  party  vendors  for  insurance  premiums  or  other  goods  or 
services. If preauthorized charges are suspended, you must contact the third 
party vendor to reinstate them. You are responsible for making direct payment 
for such charges until you reinstate automatic charges.

Collection Costs
If we refer collection of your account to a lawyer who is not our salaried employee, 
to the extent not prohibited by applicable law, you will be liable for any reasonable 
attorney’s fees we incur, plus the costs and expenses of any legal action.

ARBITRATION
PLEASE	READ	THIS	PROVISION	OF	THE	AGREEMENT	CAREFULLY.	IT	PROVIDES	
THAT	ANY	DISPUTE	MAY	BE	RESOLVED	BY	BINDING	ARBITRATION.	ARBITRATION	
REPLACES	THE	RIGHT	TO	GO	TO	COURT,	INCLUDING	THE	RIGHT	TO	A	JURY	AND	

THE	RIGHT	TO	PARTICIPATE	IN	 A	CLASS	ACTION	OR	SIMILAR	PROCEEDING.	
IN	ARBITRATION,	A	DISPUTE	IS	RESOLVED	BY	AN	ARBITRATOR	INSTEAD	OF	
A	 JUDGE	 OR	 JURY.	 ARBITRATION	 PROCEDURES	 ARE	 SIMPLER	 AND	 MORE	
LIMITED	THAN	COURT	PROCEDURES. 

Agreement to Arbitrate
Either you or we may, without the other’s consent, elect mandatory, binding 
arbitration for any claim, dispute, or controversy between you and us (called 
“Claims”).

Claims Covered 
•	

	What	 Claims	 are	 subject	 to	 arbitration?  All  Claims  relating  to  your 
account,  a  prior  related  account,  or  our  relationship  are  subject  to 
arbitration, including Claims regarding the application, enforceability, or 
interpretation of this Agreement and this arbitration provision. All Claims 
are subject to arbitration, no matter what legal theory they are based on 
or what remedy (damages, or injunctive or declaratory relief) they seek. 
This includes Claims based on contract, tort (including intentional tort), 
fraud, agency, your or our negligence, statutory or regulatory provisions, 
or  any  other  sources  of  law;  Claims  made  as  counterclaims,  cross-
claims, third-party claims, interpleaders or otherwise; and Claims made 
independently or with other claims. A party who initiates a proceeding 
in court may elect arbitration with respect to any Claim advanced in that 
proceeding by any other party. Claims and remedies sought as part of 
a  class  action,  private  attorney  general  or  other  representative  action 
are subject to arbitration on an individual (non-class, non-representative) 
basis,  and  the  arbitrator  may  award  relief  only  on  an  individual  (non-
class, non-representative) basis.
	Whose	Claims	are	subject	to	arbitration? Not only ours and yours, but 
also  Claims  made  by  or  against  anyone  connected  with  us  or  you  or 
claiming through us or you, such as a co-applicant or authorized user of 
your  account,  an  employee,  agent,  representative,  affiliated  company, 
predecessor or successor, heir, assignee, or trustee in bankruptcy.
	What	time	frame	applies	to	Claims	subject	to	arbitration?	Claims arising 
in the past, present, or future, including Claims arising before the opening 
of your account, are subject to arbitration.
	Broadest	interpretation. Any questions about whether Claims are subject 
to arbitration shall be resolved by interpreting this arbitration provision 
in the broadest way the law will allow it to be enforced. This arbitration 
provision is governed by the Federal Arbitration Act (the “FAA”).
	What	 about	 Claims	 filed	 in	 Small	 Claims	 Court?  Claims  filed  in  a 
small claims court are not subject to arbitration, so long as the matter 
remains in such court and advances only an individual (non-class, non-
representative) Claim.

•	

•	

•	

•	

How Arbitration Works
•	

	How	does	a	party	initiate	arbitration?	The party filing an arbitration must 
choose one of the following two arbitration firms and follow its rules and 
procedures for initiating and pursuing an arbitration: American Arbitration 
Association or JAMS. Any arbitration hearing that you attend will be held 
at  a  place  chosen  by  the  arbitration  firm  in  the  same  city  as  the  U.S. 
District Court closest to your then current billing address, or at some other 
place to which you and we agree in writing. You may obtain copies of the 
current rules of each of the arbitration firms and forms and instructions 
for initiating an arbitration by contacting them as follows:

  American Arbitration Association
  800-778-7879 (toll free) Website: www.adr.org

JAMS

  800-352-5267 (toll free) Website: www.jamsadr.com
At any time you or we may ask an appropriate court to compel arbitration 

 
of Claims, or to stay the litigation of Claims pending arbitration, even if such 
Claims are part of a lawsuit, unless a trial has begun or a final judgment has 
been entered. Even if a party fails to exercise these rights at any particular 
time, or in connection with any particular Claims, that party can still require 
arbitration at a later time or in connection with any other Claims.
•	

	What	procedures	and	law	are	applicable	in	arbitration? A single, neutral 
arbitrator will resolve Claims. The arbitrator will be either a lawyer with 
at least ten years experience or a retired or former judge, selected in 
accordance  with  the  rules  of  the  arbitration  firm.  The  arbitration  will 
follow procedures and rules of the arbitration firm in effect on the date 
the arbitration is filed unless those procedures and rules are inconsistent 
with this Agreement, in which case this Agreement will prevail. Those 
procedures  and  rules  may  limit  the  discovery  available  to  you  or  us. 
The  arbitrator  will  take  reasonable  steps  to  protect  customer  account 
information and other confidential information if requested to do so by 
you or us. The arbitrator will apply applicable substantive law consistent 
with the FAA and applicable statutes of limitations, will honor claims of 
privilege recognized at law, and will have the power to award to a party 
any damages or other relief provided for under applicable law. You or 
we may choose to have a hearing and be represented by counsel. The 
arbitrator will make any award in writing and, if requested by you or us, 
will provide a brief statement of the reasons for the award. An award in 
arbitration shall determine the rights and obligations between the named 
parties only, and only in respect of the Claims in arbitration, and shall not 
have any bearing on the rights and obligations of any other person, or on 
the resolution of any other dispute.
	Who	pays?	Whoever files the arbitration pays the initial filing fee. If we 
file, we pay; if you file, you pay, unless you get a fee waiver under the 
applicable rules of the arbitration firm. If you have paid the initial filing 
fee  and  you  prevail,  we  will  reimburse  you  for  that  fee.  If  there  is  a 
hearing, we will pay any fees of the arbitrator and arbitration firm for the 
first day of that hearing. All other fees will be allocated as provided by the 
rules of the arbitration firm and applicable law. However, we will advance 
or  reimburse  your  fees  if  the  arbitration  firm  or  arbitrator  determines 
there  is  good  reason  for  requiring  us  to  do  so,  or  if  you  ask  us  and 
we determine there is good reason for doing so. Each party will bear 
the expense of that party’s attorneys, experts, and witnesses, and other 
expenses, regardless of which party prevails, but a party may recover any 
or all expenses from another party if the arbitrator, applying applicable 
law, so determines.
	Who	 can	 be	 a	 party?	 Claims  must  be  brought  in  the  name  of  an 
individual  person  or  entity  and  must  proceed  on  an  individual  (non-
class, non-representative) basis. The arbitrator will not award relief for 
or against anyone who is not a party. If you or we require arbitration of 
a Claim, neither you, we, nor any other person may pursue the Claim 
in arbitration as a class action, private attorney general action or other 
representative  action,  nor  may  such  Claim  be  pursued  on  your  or  our 
behalf in any litigation in any court. Claims, including assigned Claims, 
of two or more persons may not be joined or consolidated in the same 
arbitration.  However,  applicants,  co-applicants,  authorized  users  on  a 
single account and/or related accounts, or corporate affiliates are here 
considered as one person.
	When	is	an	arbitration	award	final? The arbitrator’s award is final and 
binding on the parties unless a party appeals it in writing to the arbitration 
firm within fifteen days of notice of the award. The appeal must request 
a new arbitration before a panel of three neutral arbitrators designated 
by the same arbitration firm. The panel will consider all factual and legal 
issues anew, follow the same rules that apply to a proceeding using a 
single arbitrator, and make decisions based on the vote of the majority. 

•	

•	

•	

Costs will be allocated in the same way they are allocated for arbitration 
before a single arbitrator. An award by a panel is final and binding on the 
parties after fifteen days has passed. A final and binding award is subject to 
judicial review and enforcement as provided by the FAA or other applicable 
law.

Survival and Severability of Terms 
This  arbitration  provision  shall  survive:  (i)  termination  or  changes  in  the 
Agreement, the account, or the relationship between you and us concerning 
the account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or 
assignment of your account, or any amounts owed on your account, to any 
other person or entity. If any portion of this arbitration provision is deemed 
invalid or unenforceable, the entire arbitration provision shall not remain in 
force. No portion of this arbitration provision may be amended, severed, or 
waived absent a written agreement between you and us.

Credit Reporting
We  may  report  information  about  your  account  to  credit  bureaus.  Late 
payments,  missed  payments,  or  other  defaults  on  your  account  may  be 
reflected on your credit report. If you request additional cards on your account 
for others, you understand that we may report account information in your 
name as well as in the names of those other people. We may also obtain 
follow-up credit reports on you (for example, when we review your account 
for a credit line increase). If you wish to know the names of the agencies we 
have contacted, write us at the Customer Service address listed on the billing 
statement.  We  will  try  to  notify  you  by  telephone  or  by  mail  of  any  legal 
process served on us in order to give you an opportunity to object to it, unless 
the law prohibits the notice. If you think we reported erroneous information to 
a credit reporting agency, write us at the Customer Service address listed on 
the billing statement. We will promptly investigate the matter. We will then 
tell you if we agree or disagree with you. If we agree, we will contact each 
credit reporting agency to which we reported and will request they correct 
the report. If we disagree with you after our investigation, we will tell you in 
writing or by telephone and instruct you how to submit a statement of your 
position to those agencies. Your statement will become a part of your credit 
record with them. As required by Utah law, you are hereby notified that a 
negative credit report reflecting on your credit record may be submitted to a 
credit reporting agency if you fail to fulfill the terms of your credit obligations. 

Telephone Monitoring and Recording
From time to time we may monitor and record your telephone calls regarding 
your account with us to assure the quality of our service.

Closing Your Account 
You may close your account at any time by notifying us in writing or over the 
phone. However, you remain responsible to pay the total balance according 
to the terms of this Agreement. We may close your account or suspend your 
account privileges at any time for any reason not prohibited by applicable law 
without prior notice. We may also reissue a different card or account number 
at any time. You must return the card to us upon request.

Refusal of the Card
We are not responsible if a transaction on your account is not approved, either 
by us or by a third party, even if you have sufficient credit available. We may 
limit the number of transactions that may be approved in one day. If we detect 
unusual or suspicious activity on your account, we may suspend your credit 
privileges until we can verify the activity.

Changing this Agreement 
We may change the rates, fees, and terms of this Agreement from time to time 
as permitted by law. Changing terms includes adding, replacing, or deleting 
provisions of this Agreement. These changes are binding on you. Subject to 

applicable law, we will give you advance written notice of the changes and a 
right to opt out to the extent required by law. 

Enforcing this Agreement
We  can  delay  in  enforcing  or  fail  to  enforce  any  of  our  rights  under  this 
Agreement without losing them.

Assignment
We may assign any or all of our rights and obligations under this Agreement 
to a third party.

Applicable Law
The terms and enforcement of this Agreement shall be governed by federal law 
and the law of Illinois, where we are located. This Agreement and your account 
are governed by, to the extent that state law applies, the law of Illinois without 
regard to its conflict of law principles. Further, this Agreement is made in Illinois 
and credit is extended to you from Illinois, regardless of where you live or use 
your account. 
For Maryland residents only, to the extent federal law and the laws of the State 
of Illinois do not apply, this Agreement is governed by Title 12, Subtitle 9 of the 
Maryland Commercial Law Article. 

New Jersey Residents
Because certain provisions of this Agreement are subject to governing law, they 
may be void, unenforceable or inapplicable in some jurisdictions. None of these 
provisions are void, unenforceable or inapplicable with New Jersey.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act

What To Do If You Find a Mistake On Your Statement
If you think there is an error on your statement, write to us at the address for 
billing inquiries and correspondence shown on the front of your statement. 
In your letter, give us the following information:
•	 Account	information: Your name and account number.
•	 Dollar	amount: The dollar amount of the suspected error.
•	

	Description	of	problem: If you think there is an error on your bill, describe 
what you believe is wrong and why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•   At least 3 business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you 
do we are not required to investigate any potential errors and you may have to 
pay the amount in question.

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things:
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 revolving 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 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 address for billing inquiries and correspondence shown 
on the front of your statement.
While we investigate, the same rules apply to the disputed amount as discussed 
above. After we finish our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not pay, we may report you 
as delinquent.

Banking products and services are subject to bank and credit approval and are provided by 
BMO Harris Bank N.A.  Member FDIC.

® 

 Diners Club, Diners Club International with the Split Circle Device, Carte Blanche and Club Cash are 
registered trademarks of Diners Club International Ltd.

®*  Mastercard is a registered trademark of Mastercard International Incorporated.

F03-W757-9

10058169  (09/17)