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. 

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. The full amount of the credit limit is 
available to use where the card is honored. 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. Subject to applicable 
law, we may reduce your credit limit at any time. We will notify you of any new 
limit either by sending you a notice or through your billing statement.  A change 
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. 

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 
is  processed.  The  MasterCard 
conversion  rate  is  either  a  government-mandated  rate  or  a  wholesale  market 
rate. 

transaction 

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 
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. 

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. 

Other Fees 
To the extent permitted by applicable law, your Account will be subject to the 
following fees: 
   Research Documentation Fee:  If you request a copy of a billing statement, 
sales slip or other documents in connection with your account, you account 
will be subject to a charge of $3.00. 

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 
representative,  affiliated  company, 
account,  an  employee,  agent, 
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  the 
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. 

® 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 

10043172 (09/13)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Payment Information 

Pricing Information Table 

All charges made on this charge card are due and payable when you receive your periodic statement. 

Fees 

Annual Membership Fee 

Primary Card Fee $300 

Additional Card Fee $150 

Transaction Fees 

  Transaction Fee for Club 

Cash® Advances 

Either $4.00 or 4% of the amount of each cash advance, 
whichever is greater 

  Foreign Purchase 
Transaction Fees 

Penalty Fees 

  Late Payment Fees 

3% of each purchase transaction in U.S. dollars 

Up  to  $35.  If  you  do  not  pay  a  Past  Due  amount  for  two 
consecutive billing cycles, your fee will be up to $35 or 2.5% of 
the total Past Due amount. 

  Returned Payment Fee 

Up to $29