202HF-1013

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 Rs 

Variable A P Rs Based on Prime. See the supplement for 
information about the A P Rs that apply to your account. If any 
A P R is based on the U.S. Prime Rate (“Prime Rate”), the A P R 
will equal the Prime Rate plus an additional amount. If the Prime 
Rate increases, it will cause the A P R to increase. If the Prime Rate 

decreases, it will cause the A P R 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 A P R to change, we put the new A P R into effect as of 
the first day of the billing cycle for which we calculate the A P R. 
We apply the new A P R 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 A P R 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. 
They will be governed by the terms of the promotional offer and 
this Agreement. 

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 A P R 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 
A P Rs to your account balances. We do this every day by using a 
daily periodic rate. To get a daily periodic rate, we divide the A P R 
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. 

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 do not, you will not get a grace period until you 
pay the New Balance for two billing cycles in a row. 

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If you have a balance subject to a deferred interest 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. In addition, if you have a major purchase 
plan balance, 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. (Purchases made under the same 
promotional terms, including A P R and expiration date, will be 
part of the same promotional balance.) 

•  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 

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 $25; or $35 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 $25; or $35 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. 
We add this fee to the regular purchase balance. 

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 add the amount due on each major purchase 
plan balance. We add any additional amount specified in a 
promotional offer. We add any amount required by the Promotion 
Calculation. We also add the largest of the following:

•  The Calculated New Balance if it is less than $25;

•  $25 if the Calculated New Balance is at least $25; 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 a major purchase 
plan, the Promotion Calculation, or 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 amount due on a major purchase plan balance is the smaller 
of:

•  The major purchase plan payment plus any credit protection or 

credit insurance fee allocated to that balance. Or

•  The major purchase plan’s balance on the Statement Closing 

Date.

For each major purchase plan balance, we determine the 
payment as follows. 

•  We take the plan balance on the last day of the billing cycle in 

which the transaction is posted to your account.

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•  We subtract any credit protection or credit insurance fee 

allocated to that balance for that cycle.

•  We divide the result by the number of months of the major 

purchase plan. (The result is rounded up to the nearest dollar.) 
This gives us the major purchase plan payment. 

The Promotion Calculation is based on the transaction amount as 
shown on the first statement that displays the transaction. It applies 
if, paying $25 on this balance each billing cycle would result in 
repayment before the end of the promotion period. The Promotion 
Calculation equals 1% of this balance during the promotion period. 
(The result is rounded up to the nearest cent.) The Promotion 
Calculation only applies during the promotion period. 

The Minimum Payment Due may reflect adjustments to the New 
Balance. The Minimum Payment Due is never more than the 
Calculated New Balance plus three amounts. The first is any 
amount required by a major purchase plan. The second is any 
amount required by a promotional offer. The third is any amount 
required by the Promotion Calculation.

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 A P R 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 
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 A P R 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. 

Optional Pay by Phone Service. You may use our optional Pay 
by Phone Service to make your payment by phone. To do so, call 
us to request the service. You agree to pay us the Pay by Phone 
fee shown in the Pay by Phone section on the back of the billing 
statement when a representative of ours helps expedite your 
payment. Our representatives are trained to tell you this amount 
when you use this service. 

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. 

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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. 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 INITIATE OR 
PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. 
IN ARBITRATION, A DISPUTE IS RESOLVED BY AN 
ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION 
PROCEDURES ARE SIMPLER AND MORE LIMITED THAN 
COURT PROCEDURES.

Agreement to Arbitrate: Either you or we may, without the 
other’s consent, elect mandatory, binding arbitration for any 
claim, dispute, or controversy between you and us (called 
“Claims”).

Claims Covered

What Claims are subject to arbitration? All Claims relating 
to your account, a prior related account, or our relationship are 
subject to arbitration, including Claims regarding the application, 
enforceability, or interpretation of this Agreement and this 
arbitration provision. All Claims are subject to arbitration, no 
matter what legal theory they are based on or what remedy 
(damages, or injunctive or declaratory relief) they seek. This 
includes Claims based on contract, tort (including intentional 
tort), fraud, agency, your or our negligence, statutory or 
regulatory provisions, or any other sources of law; Claims made 
as counterclaims, cross-claims, third-party claims, interpleaders 
or otherwise; and Claims made independently or with other 
claims. A party who initiates a proceeding in court may elect 
arbitration with respect to any Claim advanced in that proceeding 

by any other party. Claims and remedies sought as part of a 
class action, private attorney general or other representative 
action are subject to arbitration on an individual (non-class, non-
representative) basis, and the arbitrator may award relief only on 
an individual (non-class, non-representative) basis.

Whose Claims are subject to arbitration? Not only ours and 
yours, but also Claims made by or against anyone connected 
with us or you or claiming through us or you, such as a co-
applicant or authorized user of your account, an employee, agent, 
representative, affiliated company, predecessor or successor, 
heir, assignee, or trustee in bankruptcy.

What time frame applies to Claims subject to arbitration? 
Claims arising in the past, present, or future, including Claims 
arising before the opening of your account, are subject to 
arbitration.

Broadest interpretation. Any questions about whether Claims 
are subject to arbitration shall be resolved by interpreting this 
arbitration provision in the broadest way the law will allow it to 
be enforced. This arbitration provision is governed by the Federal 
Arbitration Act (the “F A A”).

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.

What about debt collections? We and anyone to whom we 
assign your debt will not initiate an arbitration proceeding to 
collect a debt from you unless you assert a Claim against us or 
our assignee. We and any assignee may seek arbitration on an 
individual basis of any Claim asserted by you, whether in arbitration 
or any proceeding, including in a proceeding to collect a debt. You 
may seek arbitration on an individual basis of any Claim asserted 
against you, including in a proceeding to collect a debt.

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: w w w . a d r . org

JAMS 
800-352-5267 (toll-free) 
Website: w w w . jams a d r . 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 F A A 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, 

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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 F A A 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. 

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. 

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.

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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.

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 A T M or with a 
check that accesses your credit card account do not qualify. 

After we finish our investigation, one of two things will happen:

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.

© 2012 Citibank, N.A. 

202HF-1013

•  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: 

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