902204D-0118

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.

Consumer Purpose Only. Your account must be used only for 
personal, family, or household purposes. You agree that you 
will not use your account for business or commercial purposes. 
However, you still must pay us for any use of the account for 
business or commercial purposes by you or authorized users. 
You must pay us whether or not that use benefited you.

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. Part of your credit limit is called the cash advance limit. 
It is available for cash advances. 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. 

Checks. We may provide you with convenience checks. You may 
use them to get a cash advance. Use of a convenience check will 
be a cash advance 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. 

the total balance at the start of the billing cycle. We add any 
purchases or cash advances. 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 cash 
advance 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. 
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.

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 

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 

1

2

3

902204D-0118

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 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 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 have a balance subject to a deferred interest or a 0% 
A P R promotion and that promotion does not expire before the 
payment due date, that balance (an “excluded balance”) is 
excluded from the amount you must pay in full to get a grace 
period on a purchase balance other than an excluded balance. 
However, you must still pay any separately required payment on 
the excluded balance. In billing cycles in which payments are 
allocated to deferred interest balances first, the deferred interest 
balance will be reduced before any other balance on the account. 
However, you will continue to get a grace period on purchases, 
other than an excluded balance, so long as you pay the New 
Balance (less any excluded balance, plus any separately required 
payment on an excluded balance) in full by the payment due date 
each billing cycle.

In addition, certain promotional offers may take away the grace 
period on purchases. Other promotional offers not described 
above may also allow you to have a grace period on purchases 
without having to pay all or a portion of the promotional balance 

by the payment due date. If either is the case, the promotional 
offer will describe what happens.

Calculation of Interest Charges – Daily Balance Method 
(Including Current Transactions). We calculate interest 
charges each billing cycle. To do this:

•  We start with each of your different balances. These balances 

include, for example, regular purchases, 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 or cash 
advance as of the Transaction Date. (The Transaction Date 
for a 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 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 
Annual Membership Fee. If an annual membership fee applies, 
the Supplement shows it. We will refund this fee if you notify us 
that you are closing your account within 30 days of the mailing or 
delivery date of the statement on which the fee appears. The fee 
is otherwise non-refundable. If this fee applies, we add it to the 
regular purchase balance. 

Transaction Fee for Cash Advances. You take a cash 
advance if you use a convenience check; get money through an 
automated teller machine (A T M); or get money through home 
banking or a financial institution. You also take a cash advance 
if you make a wire transfer; buy a money order, traveler’s check, 
lottery ticket, casino chip, or similar item; or engage in a similar 
transaction. For each cash advance we add a transaction fee of 
5% of the amount of the cash advance, but not less than $10. 

Late Fee. We may add a late fee for each billing cycle in which 
you have a past due payment. For late fee purposes, you have a 
past due payment any time you fail to pay the Minimum Payment 
Due by the payment due date. The fee will be $27; or $38 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. 

Information on Foreign Currency Conversion
If you take a cash advance in a foreign currency at a branch or 
A T M of one of our affiliates, an affiliate of ours may convert it 
into U.S. dollars. Our affiliate currently uses a conversion rate in 
effect on its processing date. It uses a government-mandated 
rate if required to do so. If not, it uses a mid-point market rate. 
Our affiliate’s procedure may change from time to time without 
notice. If you take a cash advance in a foreign currency anywhere 

4

5

6

902204D-0118

else, Mastercard will convert it into U.S. dollars. Mastercard 
follows its own operating regulations or procedures. Mastercard 
currently uses a conversion rate in effect one day before its 
transaction processing date. It uses a government-mandated 
rate if required to do so. If not, it uses a wholesale market rate. 
The procedures may change from time to time without notice. 
The conversion rate you get is the one used on the transaction’s 
processing date. This may be different from the one in effect on 
the Transaction Date. 

Payments

Making Payments. You may pay all or part of your account 
balance at any time. However, you must pay at least the 
Minimum Payment Due by the payment due date each billing 
cycle. The sooner you pay the New Balance, the less you will pay 
in interest charges.

To calculate the Minimum Payment Due we begin with any past 
due amount. We then add any additional amount specified in a 
promotional offer. We also add the largest of the following:

•  The Calculated New Balance if it is less than $27;

•  $27 if the Calculated New Balance is at least $27; or

•  1% of the Calculated New Balance plus the amount of your 

billed interest charges on that balance, any minimum interest 
charge on the Calculated New Balance allocated to that balance, 
and any applicable late fee (the result is rounded up to the 
nearest cent). However, we subtract interest charges that 
accrued during prior billing cycles on a deferred interest balance 
that ended during the billing cycle covered by the statement.

The Calculated New Balance equals the New Balance on the 
billing statement less any balances subject to either of two types 
of promotional terms. The first type are terms that do not require 
a minimum payment. The second type are terms that require an 
additional amount as part of the Minimum Payment Due. The 
Minimum Payment Due may reflect adjustments to the New 
Balance and is never more than the Calculated New Balance plus 
any additional amount required by a promotional offer. 

Application of Payments. Payments in excess of the Minimum 
Payment Due are applied in accordance with law. This means 

that we will generally apply payments in excess of the Minimum 
Payment Due to higher 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. 

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 

7

8

9

902204D-0118

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.

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.

10

11

12

902204D-0118

•  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.

arbitration appeal shall be determined by a panel of 3 

•  arbitrators. The panel will consider all facts and legal issues 
anew based on the same evidence presented in the prior 
arbitration, and will make decisions based on a majority vote. 
Arbitration fees for the arbitration appeal shall be allocated 
according to the applicable A A A Rules. An award by a panel 
on appeal is final. A final award is subject to judicial review as 
provided by applicable law.

Survival and Severability of Terms 
This arbitration provision shall survive changes in this Agreement 
and termination of the account or the relationship between 
you and us, including the bankruptcy of any party and any 
sale of your account, or amounts owed on your account, to 
another person or entity. If any part of this arbitration provision 
is deemed invalid or unenforceable, the other terms shall 
remain in force, except that there can be no arbitration of a 
class or representative Claim. This arbitration provision may 
not be amended, severed or waived, except as provided in this 
Agreement or in a written agreement between you and us.

Rules for rejecting this arbitration provision
You may reject this arbitration provision by sending a written 
rejection notice to us at: P.O. Box 790340, St. Louis, MO 
63179. Your rejection notice must be mailed within 45 days 
of account opening. Your rejection notice must state that you 
reject the arbitration provision and include your name, address, 
account number and personal signature. No one else may sign 
the rejection notice. Your rejection notice will not apply to the 
arbitration provision(s) governing any other account(s) that you 
have or had with us. Rejection of this arbitration provision won’t 
affect your other rights or responsibilities under this Agreement, 
including use of the account. 

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. 

Governing Law and Enforcing our Rights

You must contact us:

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 

Governing Law. Federal law and the law of South Dakota, 
where we are located, govern the terms and enforcement of this 
Agreement.

•  Within 60 days after the error appeared on your statement.

13

14

15

902204D-0118

•  At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you 
think is wrong.

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.

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 

If we do not follow all of the rules above, you do not have to pay the 
first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied  
With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither 
of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company 
that sold you the goods or services.) 

2. You must have used your credit card for the purchase. 

Purchases made with cash advances from an 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.

© 2018 Citibank, N.A. 

902204D-0118

16

17