PLATINUM  
CASHBACK  
REWARDS  
MASTERCARD®

AGREEMENT  
BILLING RIGHTS  
& 
CREDIT CARD  
DISCLOSURE 

IMPORTANT

KEEP THIS NOTICE 
FOR FUTURE USE

MC028 R 04/2020

Interest Rates and Interest Charges

Mastercard® 
Credit Cards

Annual 
Percentage 
Rate (APR) 
for Purchases

APR for Balance
Transfers

APR for Cash 
Advances

Platinum CashBack Rewards

9.90% to 17.90%
when you open your account, 
based on your creditworthiness
and other factors. After that, 
this APR will vary with the 
market based on the  
Prime Rate.

0% Introductory APR for 
Balance Transfers made 
during the first 90 days from 
the date of account opening. 
Introductory APR does not 
apply to purchases. Promotional
balances will remain at 0% APR 
for 12 months starting from 
the date of the initial Balance 
Transfer request. Beginning 
with the 13th month, your APR 
will be 9.90% to 17.90% based 
on your creditworthiness and 
other factors. This APR will vary 
with the market based on the 
Prime Rate.

0% Introductory APR for 
Cash Advances made during 
the first 90 days from the 
date of account opening. 
Introductory APR does not 
apply to purchases. Promotional 
balances will remain at 0% APR 
for 12 months starting from 
the date of the initial Cash 
Advance request. Beginning 
with the 13th month, your APR 
will be 9.90% to 17.90% based 
on your creditworthiness and 
other factors. This APR will vary 
with the market based on the 
Prime Rate.

Penalty APR and 
When it Applies

Minimum 
Interest Charge

None

None

 
 
 
Your due date is at least 25 days 
after the close of each billing 
cycle. We will not charge you any 
interest on purchases if you pay 
your ENTIRE balance, including 
balance transfers and cash 
advances, by the due date each 
month. If the ENTIRE balance is 
not paid, then interest will be 
charged on any purchases, but 
not on the balance transfers  
and/or cash advances made 
during the first 90 days of the 
account opening. 

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.

How to Avoid 
Paying Interest 
on Purchases

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau

Annual Fee

Transaction Fees

Fees

None

• Balance Transfer

None

• 

Cash Advance

•

 Foreign Transaction

Penalty Fees
• 
•
• 

Late Payment
 Over the Credit Limit
Returned Payment

Up to 2% of the amount  
of each cash advance 
None

Up to $25
None
Up to $24

Other Fees

None

How We Will Calculate Your Balance: 
We use a method called “average daily balance” 
(including new purchases). See the terms and 
conditions of your credit card agreement for 
more details.

The information about the cost of the cards 
described in this application is accurate as of 
04/2020. This information may have changed after 
that date. To find out what may have changed, 
call us at 1-800-580-3300 or write to us at 
Randolph-Brooks Federal Credit Union, P.O. Box 2097, 
Universal City, Texas 78148.

DEFINITIONS:  “Agreement”  means  this  Randolph-Brooks  Federal  Credit  Union 
Platinum CashBack Rewards Mastercard® Agreement. “You”, “Your”, and “Cardholder” 
mean  any  person  who  signs  the  Application  or  uses  the  card.  “Card”  means  the 
Randolph-Brooks Federal Credit Union Platinum CashBack Rewards Mastercard which 
we issue under this Agreement and includes any device or check used to obtain credit 
or  cash  from  the  account.  The  terms  “our”,  “we”,  “us”,  or  “Credit  Union”  refers  to 
Randolph-Brooks Federal Credit Union (RBFCU) or any of its assignees. “Use of the 
card”  means  any  procedure  used  by  you,  or  someone  authorized  by  you,  to  make 
a  purchase  or  obtain  a  cash  advance  whether  or  not  the  purchase  or  advance  is 
evidenced by a signed document. “Unauthorized use of the card” means the use of 
the card by someone other than you, who does not have actual, implied, or apparent 
authority for such use, and from which you receive no benefit.
1. AGREEMENT: This Agreement governs the use of your credit card account with 
us and you agree to be bound by the terms of the Agreement. If your account 
is a joint account, all of you will be jointly and individually responsible for all 
amounts due under this Agreement. If your application is approved, the Credit 
Union may, at its discretion, establish a Credit Card account in your name and 
cause  one  or  more  cards  to  be  issued  to  you  or  those  designated  by  you.  In 
such event, you authorize the Credit Union to pay for your account, all items 
reflecting credit purchases and cash advances obtained through the use of the 
Card. You agree to immediately sign the back of the Card upon receipt in order 
to ensure proper use. You may purchase goods and services by using your Card at 
any retail business establishment authorized to honor the Card. You may obtain 
cash advances through the use of your Card at a financial institution authorized 
to make such cash advances. All retail purchases and cash advances are made 
at the option of the merchant or cash advancing institution. The Credit Union 
is not responsible for refusal by any merchant or cash advancing institution to 
honor your Card. Any refund, adjustment, or credit allowed by a merchant will 
be by a credit notice to the issuer of your Card and will be shown as a credit on 
your periodic statement. 

2. CREDIT LIMITS: You promise the purchases made or cash advances received on 
your Card will not exceed the credit limit disclosed to you at the time you receive 
your Card or the credit limit adjusted by the Credit Union. 

3. PROMISE TO PAY: You promise to repay the Credit Union for all payments made 
for your account together with an INTEREST CHARGE on the unpaid balance. At 
the  end  of  each  billing  cycle  you  will  be  furnished  with  a  periodic  statement 
showing  (i)  the  “previous  balance”  (the  outstanding  balance  in  the  account 
at  the  beginning  of  the  billing  cycle),  (ii)  the  amount  of  all  cash  advances, 
purchases,  and  INTEREST  CHARGES  posted  to  your  account  during  the  billing 
cycle, (iii) the amount of all payments and credits posted to your account during 
the  billing  cycle,  and  (iv)  the  “new  balance”  which  is  the  sum  of  (i)  and  (ii) 
less (iii). You agree to pay on or before the “payment due date” shown on the 
periodic  statement  either  the  entire  “new  balance”  or  a  minimum  payment 
equal to 2% of the new balance or $25, whichever is greater. You also agree to 
pay on or before the “payment due date” as shown on the periodic statement 
any  amount  in  excess  of  the  credit  limit  established  by  us  and  any  past  due 
minimum payments. 

4. COST OF CREDIT: You agree to pay an INTEREST CHARGE on your account. This 
section discloses the circumstances under which an INTEREST CHARGE will be 
imposed and explains how the INTEREST CHARGE is determined:

a.  When  INTEREST  CHARGES  begin  to  Accrue.  The  INTEREST  CHARGE  begins 
to  accrue  for  retail  purchases  on  the  date  each  transaction  posts  to  your 
account. An INTEREST CHARGE begins to accrue for balance transfers and cash 
advances, including convenience checks, on the date of the balance transfer, 
cash advance or the first date of the billing cycle, in which the cash advance is 
posted, whichever is later. If you pay the entire previous balance in full within 
25 days after the previous statement date, no INTEREST CHARGE will be imposed 
except for balance transfers and cash advances, including convenience checks. 

b. Balance Subject to INTEREST CHARGE. We figure the INTEREST CHARGE on your 
account  by  applying  the  periodic  rate  to  the  “average  daily  balance”  of  your 
account (including current transactions). To get the “average daily balance,” we 
take the beginning balance of your account each day, add any new purchases, 
cash advances, and fees and subtract any payments or credits and exclude any 
unpaid INTEREST CHARGES. This gives us the daily balance. Then, we add up all 
the daily balances for the billing cycle and divide the total by the number of 
days in the billing cycle. This gives us the “average daily balance.” 

c.  Rate of INTEREST CHARGE. You will pay an INTEREST CHARGE for all charges and 
advances made against your Platinum CashBack Rewards Mastercard account. 
You may pay any amount outstanding at any time without penalty for early

payments. Your actual ANNUAL PERCENTAGE RATE (APR) will be determined based on 
your creditworthiness and other factors and will be provided to you in writing if your 
application is approved. The APR is based on the U.S. Prime Rate (“Prime Rate”), 
and the APR will equal the Prime Rate plus an additional amount. If the Prime Rate 
increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause 
the APR to decrease. The APR is subject to change quarterly. We use the Prime Rate 
published in The Wall Street Journal seven days prior to the end of the quarter. If the 
Prime Rate causes an APR to change, we put the new APR into effect as of the first 
day of the next billing period after the start of the January, April, July or October 
billing cycle for which we calculate the APR. We apply the new APR to any existing 
balances, subject to any promotional rate that may apply. If The Wall Street Journal 
does not publish the Prime Rate, we will use a similar published rate. If your APR is 
9.90% (Prime + 6.65%), you will accrue an INTEREST CHARGE at a rate of 0.8250% 
per month. If your APR is 11.90% (Prime + 8.65%), you will accrue an INTEREST 
CHARGE at a rate of 0.9917% per month. If your APR is 13.90% (Prime + 10.65%), 
you will accrue an INTEREST CHARGE at a rate of 1.1583% per month. If your APR is 
17.90% (Prime + 14.65%), you will accrue an INTEREST CHARGE at a rate of 1.4917% 
per month. However, regardless of the index value, the Annual Percentage Rate 
is currently capped by regulation at 18.00% (which corresponds to a monthly 
periodic  rate  of  1.5000%).  RBFCU  reserves  the  right  to  increase  the  maximum 
interest rate if permitted by law or regulation.

5.  OTHER CHARGES: Late Fee: If you do not pay your minimum payment within fifteen 
(15) days following your payment due date, you may be charged a late fee of up 
to  $25.  Returned  Payment  Fee:  We  will  add  a  fee  to  your  balance  of  up  to  $24 
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 will assess this fee the first time your check or payment is not 
honored, even if it is honored upon resubmission.  

6.  LIABILITY FOR UNAUTHORIZED USE: 

You may be liable for the unauthorized use of your Card. If you notice the loss or 
theft of your Card or a possible unauthorized use of your Card, you should call our 
designee immediately at: 

You may also write to our designee at:

(866) 839-3485

Customer Service 

P.O. Box 30495 

Tampa, FL 33630 

Although you may write to notify our designee of unauthorized use, calling our 
designee immediately at the telephone number above is the best way to keep 
your possible losses down. 

Under Mastercard’s zero liability policy, you will not be liable for unauthorized 
use of your Mastercard once you notify our designee orally or in writing of the 
loss, theft, or possible unauthorized use and you meet the following conditions: 
(i)  you  have  exercised  reasonable  care  in  safeguarding  your  Mastercard  from 
risk or loss or theft, and (ii) you have, upon becoming aware of the loss or theft, 
promptly reported the loss or theft to our designee. 

You will not be liable for any unauthorized use that occurs after you notify our 
designee. You may, however, be liable for unauthorized use that occurs before 
your notice to our designee. In any case, your liability will not exceed $50.00. 
The foregoing liability limitations do not apply to (a) Card use from which any 
cardholder receives a benefit; or (b) use of the Card by a person with actual, 
implied, or apparent authority.

7.  CREDITING OF PAYMENTS: We will accept payments at the address indicated on the 
Platinum CashBack Rewards Mastercard periodic statement. All payments will be 
credited to your account promptly, in most cases as of the day of receipt. If payment 
is made at any other location such as RBFCU online banking or RBFCU branch, credit 
for such payment may be delayed up to seven (7) days. You understand and agree 
that payments will be applied in the following order: (1) To the late charge and fees, 
(2) to INTEREST CHARGES, (3) to cash advances, and (4) to purchases. All payments 
made by you must be in U.S. dollars. 

8.  INTERNATIONAL TRANSACTIONS: If you effect an international transaction with your 
Mastercard, Mastercard Worldwide will convert the charge into a U.S. dollar amount. 
Mastercard Worldwide will use its currency conversion procedure, which is disclosed to 
institutions that issue Mastercard cards. Currently, the currency conversion rate used 
by Mastercard Worldwide to determine the transaction amount in U.S. dollars for such 
transactions is generally either a government-mandated exchange rate or a wholesale 
exchange rate selected by Mastercard Worldwide for the applicable currency on the day 
the transaction is processed, which may differ from the applicable rate on the date the 
transaction occurred or when the transaction is posted to your account. RBFCU does not 
charge any fees for foreign currency transactions.

9.  DEFAULT:  You  understand  you  will  be  in  default  (1)  if  you  fail  to  make  any 
payment on time; (2) if you fail to notify the Credit Union in writing of any change 
of employers; (3) if you become the subject of an order of relief under the U.S. 
bankruptcy  laws;  (4)  if  you  are  the  subject  of  any  legal  process  which  seeks  to 
attach your Credit Union account; (5) if you have given the Credit Union false or 
inaccurate information in obtaining the credit card; (6) if anything happens which 
the Credit Union believes endangers your ability to repay what you owe, including, 
but not limited to, leaving your current employment; (7) if you fail to report the 
Card lost or not in your possession; (8) if you break any promise you made under 
this or any other agreement with the Credit Union. 

10.  NON-WAIVER:  We  can  accept  late  payments  or  partial  payments  or  checks  or 
money  orders  marked  “payment  in  full”  without  losing  our  rights  under  this 
Agreement. We can also delay enforcing any of our rights under this Agreement 
without losing them. Our failure to take action following any event of default shall 
not constitute a waiver of our right to take action in the event of a future default. 
11.  ACCELERATION: In the event that you are in default, we may declare any amounts 
you  still  owe  immediately  due  and  payable  plus  INTEREST  CHARGES  which  will 
continue to accrue until the entire amount you owe is paid. You expressly waive 
presentment, demand, notice of intention to accelerate, and notice of acceleration 
of the maturity of any amounts owing under this Agreement. The Card remains the 
property of the Credit Union at all times and you agree to immediately surrender 
the Card upon demand. You agree that, once you are informed by the Credit Union 
or its designee that your account is in default, you will not attempt to make further 
cash advances or purchases on the Card. You agree to pay all reasonable costs of 
collection, including court costs and attorney’s fees, and any costs incurred in the 
recovery of the Card. 

12.  AUTHORIZED  USERS:  An  authorized  user  is  an  individual  who  has  charging 
privileges  on  a  credit  card  account  even  though  he  or  she  is  not  the  primary 
cardholder.  The  primary  cardholder  is  solely  responsible  for  the  account.  The 
primary  cardholder  must  notify  the  authorized  user  that  the  account  will  be 
reported to a credit bureau and thus will show up on their credit report, which 
can  impact  them  positively  or  negatively,  depending  on  how  the  account  is 
handled. You agree to pay for all purchases and cash advances made by anyone 
whom you authorize to use a card issued on your credit card account. If at any 
time  the  primary  cardholder  wants  to  terminate  that  person’s  privilege  as  an 
authorized user, the primary cardholder must contact us. At that time, since credit 
cardholders share the same card number, all cards associated with the account 
will  be  blocked  to  prevent  future  unauthorized  usage.  Any  remaining  active 
cardholders  will  receive  new  cards  with  a  new  number.  The  primary  cardholder 
agrees to notify all associated parties.
INFORMATION  ABOUT  AUTHORIZED  USERS:  By  providing  us  certain  personal 
information about each authorized user, you confirm each authorized user has 
allowed you to give us personal information. This may include, but is not limited 
to, name, address, Social Security Number, date of birth and citizenship status. 
13.  NOTIFICATION  ADDRESS  FOR  INFORMATION  REPORTED  TO  CONSUMER 
REPORTING  AGENCIES:  Periodically,  we  may  report  the  status  and  payment 
history of your account to credit reporting agencies. If you believe that the 
information we have reported is inaccurate or incomplete, please notify us in 
writing at: Randolph-Brooks Federal Credit Union, Attn: Credit Disputes, P.O. 
Box 2097, Universal City, TX 78148-2097. Please include your name, address, 
telephone numbers, account number and description of your problem. 

14.  CREDIT  INVESTIGATION:  In  conjunction  with  your  application  for  credit  and, 
if approved, maintenance of your account, you agree that we have the right to 
investigate your credit and employment history, to verify your credit references, 
to request and use credit reports, and to report the way you pay your account to 
credit bureaus and other interested parties. 

15.  ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered 
as part of the total Agreement and cannot, in any way, be severed from it. However, 
you also agree that should any part of the Agreement be found invalid, it will in 
no  way  affect  the  remainder  of  the  Agreement.  You  understand  the  validity, 
construction, and enforcement of this Agreement shall be governed by the laws of 
the State of Texas. The Credit Union does not warrant any merchandise or services 
purchased by you with the Card. Notwithstanding any other provisions contained 
in this Agreement, we do not intend to charge, and you shall not be required to 
pay, any amount of INTEREST CHARGES or other fee or charge that is in excess of 
the maximum permitted by applicable law. Any payments in excess of the maximum 
shall be refunded to you or credited against your principal balance at our option. 
16.  TERMINATION OR CHANGES: The Credit Union can, with or without written notice, 
terminate  this  Agreement  at  any  time.  You  may  terminate  this  Agreement  by 
written  notice,  as  to  future  advances  at  any  time.  Termination  by  either  party 

 
shall not affect your obligation to repay any payments made for your account 
resulting from use of the Card as well as INTEREST CHARGES and other related 
charges. The Credit Union has the right to add to, delete, or change the terms 
of this Agreement, including the periodic rate. If you use your Card to make a 
purchase or obtain a cash advance after having been given notice of a change 
in terms, you agree that the existing balance in your Account at the time of that 
use will be subject to the new terms, as shall subsequent uses. You expressly 
agree that, at our option, we may decline to renew your account beyond the 
expiration date shown on the face of your card without notice. 

17.  LIEN AND SECURITY INTEREST: If you have other loans with the Credit Union, 
now  or  in  the  future,  (except  for  loans  secured  by  any  dwelling),  collateral 
securing those loans may also secure your obligations under this Agreement. 
Please  read  any  security  agreement  you  sign  in  order  to  determine  if  the 
collateral  also  secures  your  obligations  under  this  Agreement  and  other 
agreements you have with us.

Additionally, you specifically grant the Credit Union a lien and 
consensual security interest in all individual and joint accounts, 
present  and  future  shares  and  deposits  held  in  any  accounts 
you have with us now and in the future to secure repayment of 
credit extensions made under this agreement. The granting of 
this security interest is a condition for the issuance of any card, 
which you may use, directly or indirectly, to obtain extensions 
of credit under this agreement. This does not apply to shares 
in  an  Individual  Retirement  Account  or  Simplified  Employee 
Plan qualifying as such under the Internal Revenue Code. You 
authorize the Credit Union to take money from any non-exempt 
account and apply it to what you owe, if you are in default.

18.  ILLEGAL  CARD  USE:  You  may  not  use  your  Card  for  any  illegal  transaction. 
You agree that we may decline to process any transaction which we believe in 
good faith to be for an illegal purpose. You agree that we will not be liable for 
declining  to  process  any  such  transaction.  If  we  do  process  any  transaction 
which ultimately is determined to have been for an illegal purpose, you agree 
that you will remain liable to us under this Agreement for any such transaction 
notwithstanding its illegal nature. You agree that any illegal use of the Card will 
be deemed an act of default under this Agreement. You further agree to waive 
any right to take legal action against us for your illegal use of the Card and to 
indemnify and hold us and Mastercard Worldwide harmless from and against any 
lawsuits, other legal action, or liability that results directly or indirectly from 
such illegal use. 

19.  CASHBACK REWARDS: The Platinum Cashback Rewards Program pays a reward 
equivalent  to  2%  of  the  transaction  amount  for  each  qualified  purchase 
completed with your Card. ATM withdrawals, cash advances, finance charges, 
fees and any other non-purchase transactions do not qualify for rewards. The 
cash back is redeemable online or is paid once a year after the Program calendar 
year ends on September 30. Your Card must be open and in good standing at the 
time of reward redemption. Payment of the reward may be made by direct deposit 
to an account of your choosing. We reserve the right to disqualify transactions 
that are not usual or customary and are apparently structured or intended to 
abuse the program. Abuse of the program may result in loss of rewards and Card 
privileges. We may add to, change, or delete any of the terms of this program or 
discontinue this program at any time at our sole and absolute discretion. 
20.  AGREEMENT AND ACKNOWLEDGMENT: You acknowledge and agree that the use of 
the Card by you or anyone authorized by you shall constitute your acknowledgment 
that you have received and read this Agreement and that you agree to the terms and 
conditions and promise to perform all the obligations, requirements, and duties 
contained in this Agreement. Use of this card by you or anyone you authorize will 
also constitute consent to the pledge of shares or deposits as described above. 
21.  CARDHOLDER  RESPONSIBILITY:  It  is  the  responsibility  of  the  cardholder  to 
update card information with any third party or automatic bill payment service 
upon receiving a reissued or replacement card. The Credit Union does not update 
or provide card information to any third party or bill payment service that the 
cardholder may have previously authorized.

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:  
FIS, P.O. Box 30495, Tampa, Florida 33630.
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: FIS, P.O. Box 30495, Tampa, Florida 33630.
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.