MMC-0220

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.

balance transfer means use of a balance transfer offer, 
including use of a convenience check that accesses your account 
for any transaction, or the transfer of a balance from another 
credit account to 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.

card network means an organization, such as Mastercard®, 
Visa® and American Express®, that facilitates the payment 
process between a cardmember, merchants and a card issuer.

cash advance means use of your card to get cash, including 
foreign currency, or for what we consider a cash-like transaction. 
Examples include using your card for: getting money through 
A T M, home banking or a financial institution, wire transfers, 
money orders, traveler’s checks, lottery tickets, gaming chips 
and other methods used for gambling, wagers and other betting 
transactions or use of a cash advance convenience check.

purchase means use of your card to buy goods and services. 
Balance transfers and cash advances are not purchases.

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 cards for authorized users. 
You must pay us for any charges they make even if you did 
not intend to be responsible for those charges. You agree that 
they may receive information about the account, subject to any 
limitations we impose. You must tell us if you no longer want 
them 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 will be sent to you with your 
credit card. 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 will notify you separately what 
part of your credit limit is available for cash advances. That part 
is called the cash advance limit. We may reduce or increase 
your credit limit or cash advance 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. 

Balance Transfers. Balance transfers are an account feature. 
We may make them available to you at our discretion through 
offers. Balance transfers are subject to the same A P R as regular 
purchases unless the offer tells you otherwise.

Checks. We may provide you with convenience checks. When 
we do, we will tell you in writing whether they may be used for 
balance transfer transactions or cash advance transactions. If we 
tell you they may be used for balance transfer transactions, any 
use will be a balance transfer transaction. You may use them to 
transfer a balance to your account or make other transactions. 
If we tell you they may be used for cash advance transactions, 
any use will be a cash advance transaction even if you use the 
check to make a payment to another creditor. You may not use 
convenience checks to pay an amount owed to us under this 
Agreement or to pay another account with us or an affiliate. We 
do not certify these checks or return any checks that have been 
paid. 

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, balance transfers or cash advances. We subtract any 
credits or payments. We then add any interest charges or fees 
and make other adjustments. 

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. The 
additional amount appears on the Supplement. 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 

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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. 
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. The promotional offer will tell you 
if we require a separate minimum payment on the promotional 
balance.

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, balance 
transfers, and cash advances. They also include 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, but not on balance transfers and cash advances. 
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.

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. 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 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 that 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, regular cash 
advances, 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 
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, balance 
transfer, or cash advance as of the Transaction Date. (The 
Transaction Date for a balance transfer or cash advance is the 
date we get a request to complete a transaction. When you send 
a convenience check directly to someone, the Transaction Date 
is the date we receive the check for payment. The Transaction 
Date is on the billing statement.) We add a transaction fee to the 
same balance as the transaction. We generally add other fees 
to the regular purchase balance. We add any remaining balance 
from a balance transfer at a promotional A P R to the regular 
purchase balance. We do this on the day after the promotional 
period expires. 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
Transaction Fee for Cash Advances. For each cash advance 
we add a transaction fee of 5% of the amount of the cash 
advance, but not less than $10. 

Transaction Fee for Balance Transfers. For each balance 
transfer we add a transaction fee of 5% of the amount of the 
balance transfer, but not less than $10. This fee is in addition to 
any periodic fee that may be imposed with a promotional offer.

Transaction Fee for Purchases in Foreign Currency. We 
charge you a fee of 3% of the U.S. dollar amount of each 
purchase made in a currency other than U.S. dollars, regardless 

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of where the transaction takes place or who the merchant is. 

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 (less the Amount Over Credit Limit shown on your billing 
statement) by the payment due date. The fee will be $29; or $40 
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 $29; or $40 for any additional returned payment during 
the 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. 

Information on Foreign Currency Conversion
Foreign Currency Conversion — Purchases. A card network 
converts the amount of a purchase in a foreign currency into 
U.S. dollars. Each card network follows its own procedures for 
conversion. These procedures include how the card network 
chooses an exchange rate and when to do the conversion. 
For example, Visa chooses either a government-mandated 
exchange rate or chooses from a range of rates available on 
wholesale currency markets (and, in either case, the exchange 
rate that it chooses may be less favorable than the rate that Visa 
itself receives when it makes foreign currency transactions). 
Depending on the policies of each card network, the exchange 
rate chosen may be the one in effect on the day the card network 
does the conversion, or on the day before. The exchange rate 
that a card network uses to convert the purchase to U.S. dollars 
may differ from the rate in effect on the date you made the 
purchase or on the transaction date for that purchase shown 
on your statement. The card network’s procedures may change 
without notice. 

If a third party, such as a merchant, converts the amount of a 
purchase into U.S. dollars before sending the purchase to a card 
network, the third party chooses the conversion rate instead of 
the Card Network.

Foreign Currency Conversion — Cash Advances. If you 
take a cash advance in a foreign currency at an A T M or branch 
of a financial institution, it may not be the card network in all 
instances that converts the transaction into U.S. dollars. Instead, 
depending on where the transaction takes place, another 
third party, such as a financial institution, A T M network, or 
A T M operator, may do the conversion. We do not control this. 
However, if you use your card for a cash advance at a Citibank 
A T M or branch, then we or our affiliates may do the conversion.

The party that converts a cash advance to U.S. dollars will 
choose the exchange rate and when to do the conversion. 
The exchange rate in effect on the date the cash advance is 
converted to U.S. dollars may differ from the rate in effect on 
the date you took the cash advance or the transaction date for 
that transaction shown on your statement. The exchange rate 
may also differ from any rate quoted to you when you made the 
transaction.

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 any amount in excess of your credit limit. 
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 $29;

•  $29 if the Calculated New Balance is at least $29; 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 the Promotion 
Calculation, or promotional terms that require an additional 
amount as part of the Minimum Payment Due. 

If you have a deferred interest balance subject to the Promotion 
Calculation, the Promotion Calculation will equal 1% of this 
balance during the promotion period. (The result is rounded up to 
the nearest cent.) After the promotion period, any such remaining 
promotional balance will be included in the Calculated New 
Balance. The Promotion Calculation will apply if, based on the 
amount of the transaction as shown on the first statement that 
displays the transaction and the dollar amount in the Minimum 
Payment Due calculation in effect at the time of the transaction, 
we determined that paying such dollar amount each billing cycle 
would result in repayment of the promotional balance before the 
end of 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 two amounts. The first is 
any amount required by a promotional offer. The second 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 

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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. 

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, Account Numbers, or Convenience 
Checks. You must call us if any card, account number, or check 
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.

Protections For Active Duty Service  
Members and Their Dependents 

Protections. Federal law provides important protections to 
members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage 
rate of 36 percent. This rate must include, as applicable to 
the credit transaction or account: The costs associated with 
credit insurance premiums; fees for ancillary products sold 
in connection with the credit transaction; any application fee 
charged (other than certain application fees for specified credit 
transactions or accounts); and any participation fee charged 
(other than certain participation fees for a credit card account). 
You are entitled to these protections if you are a Covered 
Borrower, as defined below. 

Covered Borrower. You are a Covered Borrower if, in connection 
with the opening of your account, we determine you are an active 
duty member of the Armed Forces (including active Guard and 
Reserve duty) or a dependent of an active duty member. You 
will cease to be a Covered Borrower if we determine you are no 
longer an active duty member of the Armed Forces (including 
active Guard and Reserve duty) or a dependent of an active duty 
member. 

Oral Disclosures. If you are a Covered Borrower, you may obtain 
information related to your account, including information about 
these protections and your payment obligation, by calling 1-877-
625-6379. 

Arbitration. The section of the Card Agreement entitled 
“ARBITRATION” does not apply if you are a Covered 
Borrower at the time your account is opened.

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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, 
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.

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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. 

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.

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 credit limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay 
the amount in question, along with applicable interest and 
fees. We will send you a statement of the amount you owe 
and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us.

If we do not follow all of the rules above, you do not have to 
pay the first $50 of the amount you question even if your bill is 
correct.

Your Rights If You Are Dissatisfied  
With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither 

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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. 

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.

© 2020 Citibank, N.A. 

MMC-0220

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