202C17-0116

CARD AGREEMENT

This Card Agreement is your contract with us. It governs the use 
of your card and account. The Supplemental Pricing Information 
(“Supplement”) is part of this Agreement. Please read this 
Agreement, including the Supplement, carefully. Keep them for 
your records. 

Definitions 
account means the relationship established between you and us 
by this Agreement.

A P R means an annual percentage rate.

authorized user means any person you allow to use your 
account.

card means one or more cards or other access devices that 
we give you to get credit under this Agreement. This includes 
account numbers.

we, us, and our mean Citibank, N.A., the issuer of your account. 
Citibank, N.A. is located in Sioux Falls, SD.

you, your, and yours mean the person who applied to open 
the account. It also means any other person responsible for 
complying with this Agreement. 

Your Account 

You agree to use your account in accordance with this 
Agreement. You must pay us for all amounts due on your 
account. This Agreement is binding on you unless you close your 
account within 30 days after receiving the card and you have not 
used or authorized use of the card. Your account must only be 
used for lawful transactions. 

Authorized Users. You may request additional cards for 
authorized users. You must pay us for all charges made by 
authorized users. You must pay us even if you did not intend to be 
responsible for those charges. You must notify us to withdraw any 
permission you give to an authorized user to use your account. 

Joint Accounts. If this is a joint account, each of you is 
responsible individually and together for all amounts owed. Each 
of you is responsible even if the account is used by only one of 

you. You will continue to be liable for the entire balance of the 
account, even if your co-applicant is ordered by a court to pay 
us. You will remain liable to us if your co-applicant fails to pay 
as ordered by the court. Your account status will continue to be 
reported to the credit bureau under each of your names. The 
delivery of notices or billing statements to either of you serves 
as delivery to each of you. We may rely on instructions given by 
either of you. We are not liable to either of you for relying upon 
such instructions.

Credit Limit. Your initial credit limit is on the card carrier. After 
that, your credit limit appears on your billing statement. The full 
amount of your credit limit is available to use where the card is 
honored. We may reduce or increase your credit limit at any time 
for any reason as permitted by law. We will notify you of any 
change, but the change may take effect before you receive the 
notice. You should always keep your total balance below the credit 
limit. However, if the total balance goes over your credit limit you 
still must pay us. If your account has a credit balance, we may 
reduce the credit balance by any new charges on your account. 
You may not maintain a credit balance in excess of your credit limit. 

Billing Statement. Your billing statement shows the New 
Balance. This is the total amount you owe us on the Statement 
Closing Date. To determine the New Balance, we begin with 
the total balance at the start of the billing cycle. We add any 
purchases. We subtract any credits or payments. We then add 
any interest charges or fees and make other adjustments. 

Your billing statement also shows your transactions; the Minimum 
Payment Due and payment due date; your credit limit; and your 
interest charges and fees. 

We deliver a billing statement to only one address. You must 
notify Customer Service of a change in address. We may stop 
sending you statements if we deem your account uncollectible or 
start collection proceedings; but we may continue to add interest 
and fees as permitted by law. 

A P R 

Variable A P R Based on Prime. See the Supplement for 
information about the APRs that apply to your account. If any 
APR is based on the U.S. Prime Rate (“Prime Rate”), 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. For each billing 
cycle we use the Prime Rate published in The Wall Street Journal 
two business days before the Statement Closing Date. If the 
Prime Rate causes an APR to change, we put the new APR into 
effect as of the first day of the 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. 

Effect of A P R Increases. If an APR increases, interest charges 
increase. Your minimum payment may increase as well. 

Promotions
We may offer promotional terms for all or a part of any balances. 
Any promotional terms may apply for a limited period of time. 
They will be governed by the terms of the promotional offer 
and this Agreement. Your promotional terms will end when the 
promotional period expires.

If a promotional offer is a deferred interest offer, no interest 
charges will be imposed on the deferred interest balance if you 
pay the balance in full by the end of the promotional period for 
that deferred interest balance. We will impose interest charges 
on the deferred interest balance at the APR for regular purchases 
from the date of purchase if you do not pay the balance in full by 
the end of the promotional period. 

Interest Charges Based on A P Rs 
Interest Charges. We impose interest charges when we apply 
APRs to your account balances. We do this every day by using a 
daily periodic rate. To get a daily periodic rate, we divide the APR 
by 365. 

When Interest Charges Begin. We begin to impose interest 
charges the first day we add a charge to a daily balance. The 
charges we add to a daily balance include purchases, interest 
charges and fees. We continue to impose interest charges until 
we credit your account with full payment of the total amount you 
owe us. 

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Grace Period on Purchases. You can avoid interest charges on 
purchases. This is called a grace period on purchases. The grace 
period is at least 25 days. To get a grace period on purchases, 
you must pay the New Balance by the payment due date every 
billing cycle. 

If you have a balance subject to a deferred interest or a 0% 
APR promotion and that promotion does not expire before the 
payment due date, that balance (an “excluded balance”) is 
excluded from the amount you must pay in full to get a grace 
period on a purchase balance other than an excluded balance. 
However, you must still pay any separately required payment on 
the excluded balance. In billing cycles in which payments are 
allocated to deferred interest balances first, the deferred interest 
balance will be reduced before any other balance on the account. 
However, you will continue to get a grace period on purchases, 
other than an excluded balance, so long as you pay the New 
Balance (less any excluded balance, plus any separately required 
payment on an excluded balance) in full by the payment due date 
each billing cycle.

In addition, certain promotional offers may take away the grace 
period on purchases. Other promotional offers not described 
above may also allow you to have a grace period on purchases 
without having to pay all or a portion of the promotional balance 
by the payment due date. If either is the case, the promotional 
offer will describe what happens.

Calculation of Interest Charges – Daily Balance Method 
(Including Current Transactions). We calculate interest 
charges each billing cycle. To do this:

•  We start with each of your different balances. These balances 

include, for example, regular purchases and different 
promotional balances. (When we calculate interest charges, 
we treat each deferred interest transaction separately even if it 
has the same terms as another deferred interest transaction.) 

•  We calculate the daily balance for each of your different balances. 
To get a daily balance, we start with the balance as of the end 
of the previous day. We add any interest charge on the previous 
day’s balance. (This results in daily compounding of interest 
charges.) We add any new charges. We then subtract any new 
credits or payments. 

•  We multiply each daily balance by the daily periodic rate that 

We add this fee to the regular purchase balance. 

applies to it. We do this for each day in the billing cycle. This gives 
us the daily interest charges for each of your different balances. 

•  We add up all the daily interest charges. The sum is the total 

interest charge for the billing cycle.

•  You authorize us to round interest charges to the nearest cent.

When we calculate daily balances, we add a purchase as of the 
Transaction Date. The Transaction Date is shown on the billing 
statement. We subtract a payment or credit as of the day it is 
credited to the account and then make other adjustments. We 
treat a credit balance as a balance of zero. 

Minimum Interest Charge. If we charge you interest, the 
charge will be no less than $2. We add the charge to the regular 
purchase balance or allocate it among one or more of the 
balances that accrues interest. 

Balance Subject to Interest Rate. Your statement shows a 
Balance Subject to Interest Rate. It shows this for each different 
balance. The Balance Subject to Interest Rate is the average of the 
daily balances during the billing cycle. A billing cycle begins on the 
day after the Statement Closing Date of the previous billing cycle. It 
includes the Statement Closing Date of the current billing cycle.

Fees
Late Fee. We may add a late fee for each billing cycle in which 
you have a past due payment. For late fee purposes, you have a 
past due payment any time you fail to pay the Minimum Payment 
Due by the payment due date. The fee will be $27; or $37 for 
any additional past due payment during the next six billing cycles 
after a past due payment. However, the fee will not exceed 
the amount permitted by law. We add this fee to the regular 
purchase balance. 

Returned Payment Fee. We may add a returned payment fee 
for a returned payment. A returned payment is an electronic 
debit, payment check, or similar payment instrument, that is 
returned unpaid. We may add this fee the first time your payment 
is returned, even if it is not returned upon resubmission. The fee 
will be $27; or $37 for any additional returned payment during 
the same or next six billing cycles after a returned payment. 
However, the fee will not exceed the amount permitted by law. 

Payments 

Making Payments. You may pay all or part of your account 
balance at any time. However, you must pay at least the 
Minimum Payment Due by the payment due date each billing 
cycle. The sooner you pay the New Balance, the less you will pay 
in interest charges.

To calculate the Minimum Payment Due, we begin with any past 
due amount. We then add any additional amount specified in a 
promotional offer. We also add the largest of the following:

•  The Calculated New Balance if it is less than $27;

•  $27 if the Calculated New Balance is at least $27; or

•  1% of the Calculated New Balance plus the amount of your 

billed interest charges on that balance, any minimum interest 
charge allocated to that balance, and any applicable late fee 
(the result is rounded up to the nearest dollar). However, we 
subtract interest charges that accrued during prior billing 
cycles on a deferred interest balance that ended during the 
billing cycle covered by the statement.

The Calculated New Balance equals the New Balance on the 
billing statement less any balances subject to either of two types 
of promotional terms. The first type are terms that do not require 
a minimum payment. The second type are terms that require an 
additional amount as part of the Minimum Payment Due. The 
Minimum Payment Due may reflect adjustments to the New 
Balance and is never more than the Calculated New Balance plus 
any additional amount required by a promotional offer. 

Application of Payments. Payments in excess of the Minimum 
Payment Due are applied in accordance with law. This means 
that we will generally apply payments in excess of the Minimum 
Payment Due to higher APR balances first. However, excess 
payments received before a deferred interest promotion expires 
are applied to the deferred interest promotional balance first 
in the last two billing cycles of the promotional period. And, if 
the expiration date of a deferred interest promotion is before 
the payment due date in the billing cycle in which the deferred 
interest promotion expires, excess payments received before the 
deferred interest promotion expires are applied to the deferred 

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interest promotional balance first in the last three billing cycles 
of the promotional period. Payments equal to or less than the 
Minimum Payment Due and credits are applied at our discretion 
and you authorize us to apply payments and credits in a way that 
is most favorable or convenient for us. This may include applying 
such payments and credits to lower APR balances first. 

Payment Instructions. We credit your payments in accordance 
with our payment instructions on the billing statement. You must 
pay us in U.S. dollars. To do so, you must use a check, similar 
instrument, or electronic debit that is drawn on and honored by a 
bank in the U.S. Do not send cash. We can accept late or partial 
payments, or payments that reflect “paid in full” or other restrictive 
endorsements, without losing our rights. We also reserve the right 
to accept payments made in foreign currency and instruments 
drawn on funds on deposit outside the U.S. If we do, we select 
the currency conversion rate. We will then credit your account in 
U.S. dollars after deducting any costs incurred in processing your 
payment. Or we may bill you separately for these costs. 

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 in your credit report. We may report 
account information in your name and the names of authorized 
users. We may also obtain follow-up credit reports on you.

If you think we reported incorrect information to a credit 
bureau, write us at the Customer Service address on the billing 
statement. We will investigate the matter. We will then tell you 
if we agree or disagree with you. If we agree with you, we will 
contact each credit bureau to which we reported and request a 
correction. If we disagree with you, we will tell you that. 

Information Sharing 

You authorize us to share information about you as permitted 
by law. This includes information we get from you and others. It 
also includes information about your transactions with us. Please 
see our Privacy Notice for details about our information sharing 
practices. 

Changes to this Agreement 

We may change the rates, fees, and terms of this 
Agreement from time to time as permitted by law. The 
changes may add, replace, or remove provisions of this 
Agreement. We will give you advance written notice of the 
changes and a right to opt out to the extent required by 
law.

Default 
You default under this Agreement if you fail to pay the Minimum 
Payment Due by its due date; go over your credit limit; pay by a 
check or similar instrument that is not honored or that we must 
return because it cannot be processed; pay by electronic debit 
that is returned unpaid; file for bankruptcy; or fail to comply with 
the terms of this Agreement. If you default, we may close your 
account and, to the extent permitted by law, demand immediate 
payment of the total balance. 

Refusal of the Card, Closed Accounts,  
and Related Provisions 

Refusal of the Card. We do not guarantee approval of 
transactions. We are not liable for transactions that are not 
approved. That is true even if you have enough credit. We may 
limit the number of transactions approved in one day. If we 
detect unusual or suspicious activity, we may suspend your credit 
privileges. 

Preauthorized Charges. We may suspend any automatic or 
other preauthorized card charges you arrange with a third party. 
We may do this if you default; if the card is lost or stolen; or 
we change your account for any reason. If we do this, you are 
responsible for paying the third party directly if you wish to do so. 
You are also responsible for reinstating the preauthorized charges 
if you wish to do so and we permit it. 

Lost or Stolen Cards or Account Numbers. You must call us 
if any card or account number is lost or stolen. You must also 
call us if you think someone used or may use them without 
permission. When you call, we may require you to provide 
information to help our investigation. We may require you to 
provide this information in writing. For example, we may ask you 

to identify any charges that were not made by you or someone 
authorized by you. We may also ask you to confirm that you 
received no benefit from those charges. 

Closing Your Account. You may close your account by notifying 
us in writing or over the phone. If you close your account, 
you must still repay the total balance in accordance with this 
Agreement. We may also close your account or suspend account 
privileges at any time for any reason. We may do this without 
prior notice to you. We may also reissue a different card at any 
time. You must return any card to us upon request. 

ARBITRATION 

PLEASE READ THIS PROVISION OF THE AGREEMENT 
CAREFULLY. 

THIS SECTION PROVIDES THAT DISPUTES MAY BE 
RESOLVED BY BINDING ARBITRATION. ARBITRATION 
REPLACES THE RIGHT TO GO TO COURT, HAVE A JURY 
TRIAL OR INITIATE OR PARTICIPATE IN A CLASS ACTION. 
IN ARBITRATION, DISPUTES ARE RESOLVED BY AN 
ARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION 
PROCEDURES ARE SIMPLER AND MORE LIMITED THAN 
IN COURT. THIS ARBITRATION PROVISION IS GOVERNED 
BY THE FEDERAL ARBITRATION ACT (F A A), AND SHALL 
BE INTERPRETED IN THE BROADEST WAY THE LAW WILL 
ALLOW.

Covered Claims

•  You or we may arbitrate any claim, dispute or controversy 

between you and us arising out of or related to your account, a 
previous related account or our relationship (called “Claims”).

•  If arbitration is chosen by any party, neither you nor we 

will have the right to litigate that Claim in court or have a 
jury trial on that Claim. 

Except as stated below, all Claims are subject to arbitration, 
no matter what legal theory they’re based on or what remedy 
(damages, or injunctive or declaratory relief) they seek, including 
Claims based on contract, tort (including intentional tort), fraud, 
agency, your or our negligence, statutory or regulatory provisions, 

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or any other sources of law; Claims made as counterclaims, 
cross-claims, third-party claims, interpleaders or otherwise; 
Claims made regarding past, present, or future conduct; and 
Claims made independently or with other claims. This also 
includes Claims made by or against anyone connected with us 
or you or claiming through us or you, or by someone making a 
claim through us or you, such as a co-applicant, authorized user, 
employee, agent, representative or an affiliated/parent/subsidiary 
company.

Arbitration limits
•  Individual Claims filed in a small claims court are not subject to 
arbitration, as long as the matter stays in small claims court. 

•  We won’t initiate arbitration to collect a debt from you unless 

you choose to arbitrate or assert a Claim against us. If 
you assert a Claim against us, we can choose to arbitrate, 
including actions to collect a debt from you. You may arbitrate 
on an individual basis Claims brought against you, including 
Claims to collect a debt.

•  Claims brought as part of a class action, private attorney 

general or other representative action can be arbitrated only 
on an individual basis. The arbitrator has no authority to 
arbitrate any claim on a class or representative basis and may 
award relief only on an individual basis. If arbitration is chosen 
by any party, neither you nor we may pursue a Claim as part 
of a class action or other representative action. Claims of 2 or 
more persons may not be combined 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.

How Arbitration Works

•  Arbitration shall be conducted by the American Arbitration 

Association (“A A A”) according to this arbitration provision and 
the applicable A A A arbitration rules in effect when the claim 
is filed (“A A A Rules”), except where those rules conflict with 
this arbitration provision. You can obtain copies of the A A A 
Rules at the A A A’s website (w w w . a d r . org) or by calling 800-
778-7879. You or we may choose to have a hearing, appear 
at any hearing by phone or other electronic means, and/or be 
represented by counsel. Any in-person hearing will be held in 

the same city as the U.S. District Court closest to your billing 
address.

•  Arbitration may be requested any time, even where there is a 
pending lawsuit, unless a trial has begun or a final judgment 
entered. Neither you nor we waive the right to arbitrate by 
filing or serving a complaint, answer, counterclaim, motion, or 
discovery in a court lawsuit. To choose arbitration, a party may 
file a motion to compel arbitration in a pending matter and/or 
commence arbitration by submitting the required A A A forms 
and requisite filing fees to the A A A.

•  The arbitration shall be conducted by a single arbitrator in 
accord with this arbitration provision and the A A A Rules, 
which may limit discovery. The arbitrator shall not apply any 
federal or state rules of civil procedure for discovery, but the 
arbitrator shall honor claims of privilege recognized at law and 
shall take reasonable steps to protect account information 
and other confidential information of either party if requested 
to do so. The arbitrator shall apply applicable substantive law 
consistent with the F A A and applicable statute of limitations, 
and may award damages or other relief under applicable law.

•  The arbitrator shall make any award in writing and, if 

requested by you or us, may provide a brief statement of 
the reasons for the award. An arbitration award shall decide 
the rights and obligations only of the parties named in the 
arbitration, and shall not have any bearing on any other person 
or dispute.

Paying for arbitration fees
•  We will pay your share of the arbitration fee for an arbitration 
of Claims of $75,000 or less if they are unrelated to debt 
collection. Otherwise, arbitration fees will be allocated 
according to the applicable A A A Rules. If we prevail, we may 
not recover our arbitration fees, unless the arbitrator decides 
your Claim was frivolous. All parties are responsible for their 
own attorney’s fees, expert fees and any other expenses, 
unless the arbitrator awards such fees or expenses to you or 
us based on applicable law.

The final award

•  Any award by an arbitrator is final unless a party appeals it 
in writing to the A A A within 30 days of notice of the award. 
The arbitration appeal shall be determined by a panel of 3 
arbitrators. The panel will consider all facts and legal issues 
anew based on the same evidence presented in the prior 
arbitration, and will make decisions based on a majority vote. 
Arbitration fees for the arbitration appeal shall be allocated 
according to the applicable A A A Rules. An award by a panel 
on appeal is final. A final award is subject to judicial review as 
provided by applicable law.

Survival and Severability of Terms
This arbitration provision shall survive changes in this Agreement 
and termination of the account or the relationship between 
you and us, including the bankruptcy of any party and any 
sale of your account, or amounts owed on your account, to 
another person or entity. If any part of this arbitration provision 
is deemed invalid or unenforceable, the other terms shall 
remain in force, except that there can be no arbitration of a 
class or representative Claim. This arbitration provision may 
not be amended, severed or waived, except as provided in this 
Agreement or in a written agreement between you and us.

Rules for rejecting this arbitration provision
You may reject this arbitration provision by sending a written 
rejection notice to us at: P.O. Box 790340, St. Louis, MO 
63179. Your rejection notice must be mailed within 45 days 
of account opening. Your rejection notice must state that you 
reject the arbitration provision and include your name, address, 
account number and personal signature. No one else may sign 
the rejection notice. Your rejection notice will not apply to the 
arbitration provision(s) governing any other account(s) that you 
have or had with us. Rejection of this arbitration provision won’t 
affect your other rights or responsibilities under this Agreement, 
including use of the account.

Governing Law and Enforcing our Rights 
Governing Law. Federal law and the law of South Dakota, 
where we are located, govern the terms and enforcement of this 
Agreement. 

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Enforcing this Agreement. We will not lose our rights under 
this Agreement because we delay in enforcing them or fail to 
enforce them. 

Collection Costs. To the extent permitted by law, you are liable 
to us for our legal costs if we refer collection of your account 
to a lawyer who is not our salaried employee. These costs may 
include reasonable attorneys’ fees. They may also include costs 
and expenses of any legal action. 

Assignment. We may assign any or all of our rights and 
obligations under this Agreement to a third party. 

For Further Information 
Call us toll-free for further information. Call the toll-free Customer 
Service telephone number shown on the billing statement or on 
the back of your card. You can also call local or toll-free Directory 
Assistance to get our telephone number.

Ken Stork  
Vice President

Citibank, N.A.  
P.O. Box 6000 
Sioux Falls, SD 57117

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 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.) 

•  The charge in question may remain on your statement, and we 

2. You must have used your credit card for the purchase. 

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 

Purchases made with cash advances from an A T M 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.

© 2016 Citibank, N.A. 

202C17-0116

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