Diners Club® Charge Card  
Cardmember Agreement 

Cardmember Agreement  
This document and the card carrier that is sent with the card together make up your Card 
Agreement  and  throughout  this  document  are  referred  to  as  Agreement  or  Card 
Agreement. The card carrier contains important account information including the amount 
of  any  membership  fee.  Please  read  and  keep  these  documents  for  your  records.  This 
Agreement is binding on you unless you cancel your account within 30 days after receiving 
the card and you have not used or authorized use of your account.  

To  simplify  this  Agreement  for  you,  the  following  definitions  will  apply.  The  words  you, 
your, and yours mean all persons responsible for complying with this Agreement, including 
the person who applied to open the account and the person to whom we address billing 
statements. The  word  card  means  one  or  more  cards  or  other  access  devices,  such  as 
account numbers, that we have issued to permit you to obtain credit under this Agreement. 
The  words  we,  us,  and  our  mean  BMO  Harris  Bank  N.A.  formerly  Harris  N.A.  and  its 
successors and assigns, the issuer of your account. The words authorized user mean any 
person to whom you give permission to use your account.  

Using Your Account and Your Credit Line  
The  card  must  be  signed  to  be  used.  Whether  you  sign  the  card  or  not,  you  are  fully 
responsible for complying with all the terms of this Agreement, including the obligation to 
pay  us  for  all  balances  due  on  your  account  as  specified  in  this  Agreement.  Your  card 
must  only  be  used  for  lawful  transactions  and  may  not  be  used  to  purchase  goods  or 
services for resale.  

Your card can be used to buy or lease goods or services wherever the card is honored. 
Your account has a credit limit. The full amount of the credit limit is available to use where 

® 

feature, your card can also be used to obtain 
the card is honored. With the Club Cash
cash through any bank or automated teller machine that accepts the card, subject to your 
credit limit. Subject to applicable law, we may reduce your credit limit at any time. We will 
notify you of any new limit either by sending you a notice or through your billing statement. 
A change may take effect before you receive notification from us. You should always keep 
your  total  balance  below  the  credit  limit.  However,  if  the  total  due  goes  over  your  credit 
limit you must still pay us.  

Additional Cards  
You  may  request  additional  cards  on  your  account  for  yourself  or  others  and  you  may 
permit an authorized user to have access to the card or account number. However, if you 
do, you must pay us for all charges made by those persons, including charges for which 
you may not have intended to be responsible. You must notify us to revoke an authorized 
user’s permission to use your account. If you do so, we may close the account and issue a 
new  card  or  cards  with  a  different  account  number.  You  are  responsible  for  the  use  of 
each card issued on your account according to the terms of this Agreement.  

Annual Membership Fee  
The annual membership fee is $95 for the primary card and $35 for each additional card. 
The fee is nonrefundable unless you notify us that you wish to cancel your account within 
30 days from the mailing or delivery date of the billing statement on which the fee is billed.  

Billing  
Your billing statement shows the total due, any interest charges and fees imposed during 
the  billing  cycle,  and  the  payment  due  date.  It  also  shows  your  current  credit  limit;  an 
itemized list of current charges, payments and credits; an interest charge summary; and 
other  important  information.  If  we  deem  your  account  uncollectible  or  if  we  institute 
delinquency  collection  proceedings  by  sending  it  to  an  outside  collection  agency  or 
attorney for collection, we may, in our sole discretion, stop sending you billing statements, 
unless otherwise prohibited by applicable law.  

You  must  notify  us  of  a  change  in  your  address  by  contacting  Customer  Service  by 
telephone or mail. We will mail or deliver the billing statement to only one address.  

How We Determine the Balance  
The total outstanding balance (the amount you owe us) appears as the “New Balance” on 
the  billing  statement.  To  determine  the  New  Balance,  we  begin  with  the  outstanding 
balance  on  your  account  at  the  beginning  of  each  billing  period,  called  the  “Previous 
Balance” on the billing statement. We add any purchases and cash advances and subtract 
any  credits  or  payments  credited  as  of  that  billing  period.  We  then  add  the  appropriate 

interest charges and fees and make other applicable adjustments.  

® 

Advances  

Transaction Fee for Club Cash
You have obtained a cash advance for which we assess a cash advance transaction fee if 
you  obtain  funds  from  an  automated  teller  machine  (ATM),  through  home  banking,  or 
through  a  financial  institution;  make  a  wire  transfer;  acquire  a  money  order,  traveler’s 
check,  lottery  ticket,  betting  or  casino  chip,  or  similar  item;  or  engage  in  another  similar 
transaction. For each cash advance, we add an additional charge of 4.0% of the advance, 
but not less than $4. The amount of the cash advance may include a surcharge that the 
ATM owner imposes.  

Credit Balance  
You may not maintain a credit balance in excess of your credit limit. We will return to you 
any  credit  amount  over  $1.00  if  the  amount  has  been  on  your  account  longer  than  six 
months. You may request a refund of a credit balance at any time.  We may reduce the 
amount of any credit balance by the amount of new charges billed to your account.  

Transaction Fee for Purchases Made in Foreign Currencies  
For each purchase made in a foreign currency, we add to your account an additional fee of 
3.0% of the amount of the purchase after its conversion into U.S. dollars.  

Information on Foreign Currency Conversion Procedures  
Any purchase you make in a foreign currency or any cash advance you obtain in a foreign 
currency  will  be  charged  to  your  account  in  U.S.  dollars  after  being  converted  by 

®
*.MasterCard  will  act  in  accordance  with  its  procedures  then  in  effect. 
MasterCard
MasterCard uses a MasterCard conversion rate in effect on the day the purchase or cash 
advance transaction is processed. The MasterCard conversion rate is either a government 
mandated rate or a wholesale market rate.  

The foreign currency conversion rate in effect on the processing date for a transaction may 
differ from the rate in effect on the sale or posting date on your billing statement for that 
transaction.  If  a  transaction  is  converted  by  a  third  party  prior  to  that  transaction  being 
processed by MasterCard, the foreign currency conversion rate for that transaction will be 
the rate selected by that third party.  

Total Due  
Each  month  you  must  pay  the  Total  Due  that  is  shown  on  your  billing  statement.  Your 
Total Due equals the New Balance.  

Payments  
You must pay the Total Due by the payment due date.  

Instructions for making payments are on your billing statement. In order to be credited as 
of a particular day, your payment must be received in the form specified, and by the hour 
specified, in those instructions. Do not send cash payments. We can accept late or partial 
payments, as well as payments that reflect “paid in full” or other restrictive endorsements, 
without losing any of our rights under this Agreement. You agree to pay us in U.S. dollars 
drawn on funds on deposit in the United States using a payment check, similar instrument, 
or automatic debit that will be processed and honored by your bank. We reserve the right 
to accept payments made in foreign currency and instruments drawn on funds on deposit 
outside the United States. If we do, we will select the effective currency conversion rate at 
our  discretion  and  credit  your  account  in  U.S.  dollars  after  deducting  any  fees  or  costs 
incurred  in  connection  with  processing  your  payment.  If  such  fees  or  costs  are  not  fully 
deducted at the time your account is credited for a payment, we will bill you separately for 
them.  

Optional Payment Services  
You  may  pay  your  account  online  or  you  may  request  to  make  your  payment  by  phone 
using  our  optional  telephone  payment  service.  Subject  to  applicable  law,  each  time  a 
representative  of  ours  helps  expedite  your  payment,  you  agree  to  pay  us  $14.95.  Our 
representatives  are  trained  to  tell  you  this  amount  if  you  decide  to  use  this  optional 
telephone payment service.  

Late Fee  
Any portion of the Total Due from a previous billing period that remains unpaid will appear 
as a Past Due balance on the current card billing statement. In addition, we will impose a 
late  fee  of  up  to  $35.  If  you  do  not  pay  a  Past  Due  amount  for  two  consecutive  billing 
cycles we will assess a late fee of up to $35 or 2.5% of the entire Past Due balance each 
time any portion of a Total Due balance is included in a Past Due balance and the Past 
Due Balance is more than $80. The fee will not exceed the amount permitted by applicable 
law.  

Returned Payment Fee  
Subject to applicable law, we may add a fee of up to $29 to the account when a payment 
check or similar instrument is not honored, when we must return it because it cannot be 
processed, or when an automatic debit is returned unpaid. At our option, we may assess 
this  fee  the  first  time  your  check  or  payment  is  not  honored,  even  if  it  is  honored  upon 
resubmission. The fee will not exceed the amount permitted by applicable law.  

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

Lost or Stolen Cards or Account Numbers  
If any card or account number is lost or stolen, or if you think someone used or may use 
them without your permission, notify us at once by calling the Customer Service telephone 
number shown on the billing statement or the number obtained by calling toll free or local 
Directory Assistance. We may require you to provide certain information in writing to help 
us  find  out  what  happened,  and  to  comply  with  such  procedures  as  we  may  require  in 
connection with our investigation. Don’t use the card or account number after we’ve been 
notified, even if they are found or returned. You may be liable for unauthorized use of the 
account,  but  not  for  more  than  $50.  You  won’t  be  liable  for  unauthorized  purchases  or 
cash advances made after we’ve been notified of the loss or the theft; however, you must 
identify for us the charges on the billing statement that were not made by you, or someone 
authorized by you, and from which you received no benefit.  

Default  
You default under this Agreement if you fail to pay, by its due date, the Total Due listed on 
each billing statement; file for bankruptcy; pay by a check or similar instrument that is not 
honored or that we must return because it cannot be processed; pay by automatic debit 
that is returned unpaid; or default under any other Card Agreement that you have with us. 
If  you  default,  we  may,  subject  to  applicable  law,  close  your  account  and  demand 
immediate  payment  of  the  total  balance.  For  residents  of  New  Hampshire:  Reasonable 
attorneys’ fees will be rewarded to you if you prevail in any action or suit brought by BMO 
Harris Bank N.A. Also, if you successfully assert a partial defense or counterclaim to an 
action brought by BMO Harris Bank N.A., the court may withhold from BMO Harris Bank 
N.A.  the  entire  amount  or  such  portion  of  the  attorneys’  fees  as  the  court  considers 
equitable.  

Preauthorized Charges  
If you default, if the card is lost or stolen, or we change your account or account number 
for any reason, we may suspend automatic charges on that account to third party vendors 
for  insurance  premiums  or  other  goods  or  services.  If  preauthorized  charges  are 
suspended, you must contact the third party vendor to reinstate them. You are responsible 
for making direct payment for such charges until you reinstate automatic charges.  

Collection Costs  
If we refer collection of your account to a lawyer who is not our salaried employee, to the 
extent  not  prohibited  by  applicable  law,  you  will  be  liable  for  any  reasonable  attorney’s 
fees we incur, plus the costs and expenses of any legal action.  

ARBITRATION  
PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES 
THAT  ANY  DISPUTE  MAY  BE  RESOLVED  BY  BINDING  ARBITRATION. 
ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT 
TO  A  JURY  AND  THE  RIGHT  TO  PARTICIPATE  IN  A  CLASS  ACTION  OR  SIMILAR 
PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  AN  ARBITRATOR 
INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND 
MORE LIMITED THAN COURT PROCEDURES.  

Agreement to Arbitrate  
Either you or we may, without the other’s consent, elect mandatory, binding arbitration for 
any claim, dispute, or controversy between you and us (called “Claims”). 

Claims Covered  

  What Claims are subject to arbitration? All Claims relating to your account, a prior 
related  account,  or  our  relationship  are  subject  to  arbitration,  including  Claims 
regarding  the  application,  enforceability,  or  interpretation  of  this  Agreement  and  this 
arbitration provision. All Claims are subject to arbitration, no matter what legal theory 
they are based on or what remedy (damages, or injunctive or declaratory relief) they 

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  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, crossclaims, 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 “FAA”).  

  What about Claims filed in Small Claims Court? Claims filed in a small claims court 
are  not  subject  to  arbitration,  so  long  as  the  matter  remains  in  such  court  and 
advances only an individual (non-class, non-representative) Claim.  

How Arbitration Works  
  How does a party initiate arbitration? The party filing an arbitration must choose one 
of  the  following  two  arbitration  firms  and  follow  its  rules  and  procedures  for  initiating 
and pursuing an arbitration: American Arbitration Association or JAMS. Any arbitration 
hearing  that  you  attend  will  be  held  at  a  place  chosen  by  the  arbitration  firm  in  the 
same city as the U.S. District Court closest to your then current billing address, or at 
some other place to which you and we agree in writing. You may obtain copies of the 
current rules of each of the arbitration firms and forms and instructions for initiating an 
arbitration by contacting them as follows: 

American Arbitration Association  
800-778-7879 (toll free) Website: www.adr.org  

JAMS  
800-352-5267 (toll free) Website: www.jamsadr.com  

At any time you or we may ask an appropriate court to compel arbitration of Claims, or 
to  stay  the  litigation  of  Claims  pending  arbitration,  even  if  such  Claims  are  part  of  a 
lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party 
fails to exercise these rights at any particular time, or in connection with any particular 
Claims, that party can still require arbitration at a later time or in connection with any 
other Claims.  

  What procedures and law are applicable in arbitration? A single, neutral arbitrator 
will  resolve  Claims.  The  arbitrator  will  be  either  a  lawyer  with  at  least  ten  years 
experience or a retired or former judge, selected in accordance with the rules of the 
arbitration firm. The arbitration will follow procedures and rules of the arbitration firm in 
effect  on  the  date  the  arbitration  is  filed  unless  those  procedures  and  rules  are 
inconsistent  with  this  Agreement,  in  which  case  this  Agreement  will  prevail.  Those 
procedures and rules may limit the discovery available to you or us. The arbitrator will 
take reasonable steps to protect customer account information and other confidential 
information  if  requested  to  do  so  by  you  or  us.  The  arbitrator  will  apply  applicable 
substantive  law  consistent  with  the  FAA  and  applicable  statutes  of  limitations,  will 
honor claims of privilege recognized at law, and will have the power to award to a party 
any damages or other relief provided for under applicable law. You or we may choose 
to have a hearing and be represented by counsel. The arbitrator will make any award 
in writing and, if requested by you or us, will provide a brief statement of the reasons 
for  the  award.  An  award  in  arbitration  shall  determine  the  rights  and  obligations 
between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, or on the 
resolution of any other dispute.  

  Who pays? Whoever files the arbitration pays the initial filing fee. If we file, we pay; if 
you  file,  you  pay,  unless  you  get  a  fee  waiver  under  the  applicable  rules  of  the 
arbitration firm. If you have paid the initial filing fee and you prevail, we will reimburse 
you  for  that  fee.  If  there  is  a  hearing,  we  will  pay  any  fees  of  the  arbitrator  and 
arbitration  firm  for  the  first  day  of  that  hearing.  All  other  fees  will  be  allocated  as 
provided  by  the  rules  of  the  arbitration  firm  and  applicable  law.  However,  we  will 
advance or reimburse your fees if the arbitration firm or arbitrator determines there is 
good reason for requiring us to do so, or if you ask us and we determine there is good 
reason for doing so. Each party will bear the expense of that party’s attorneys, experts, 
and  witnesses,  and  other  expenses,  regardless  of  which  party  prevails,  but  a  party 
may  recover  any  or  all  expenses  from  another  party  if  the  arbitrator,  applying 
applicable law, so determines.  

  Who can be a party? Claims must be brought in the name of an individual person or 
entity  and  must  proceed  on  an  individual  (nonclass,  nonrepresentative)  basis.  The 
arbitrator  will  not  award  relief  for  or  against  anyone  who  is  not  a  party.  If  you  or  we 
require arbitration of a Claim, neither you, we, nor any other person may pursue the 
Claim  in  arbitration  as  a  class  action,  private  attorney  general  action  or  other 
representative  action,  nor  may  such  Claim  be  pursued  on  your  or  our  behalf  in  any 
litigation in any court. Claims, including assigned Claims, of two or more persons may 
not  be  joined  or  consolidated  in  the  same  arbitration.  However,  applicants,  co 
applicants, authorized users on a single account and/or related accounts, or corporate 
affiliates are here considered as one person.  

  When is an arbitration award final? The arbitrator’s award is final and binding on the 
parties unless a party appeals it in writing to the arbitration firm within fifteen days of 
notice of the award. The appeal must request a new arbitration before a panel of three 
neutral arbitrators designated by the same arbitration firm. The panel will consider all 
factual and legal issues anew, follow the same rules that apply to a proceeding using a 
single arbitrator, and make decisions based on the vote of the majority. Costs will be 
allocated in the same way they are allocated for arbitration before a single arbitrator. 
An award by a panel is final and binding on the parties after fifteen days has passed. A 
final and binding award is subject to  judicial review and enforcement  as provided by 
the FAA or other applicable law.  

Survival and Severability of Terms  
This  arbitration  provision  shall  survive:  (i)  termination  or  changes  in  the  Agreement,  the 
account,  or  the  relationship  between  you  and  us  concerning  the  account;  (ii)  the 
bankruptcy of any party; and (iii) any transfer, sale or assignment of your account, or any 
amounts  owed  on  your  account,  to  any  other  person  or  entity.  If  any  portion  of  this 
arbitration  provision  is  deemed  invalid  or  unenforceable,  the  entire  arbitration  provision 
shall not remain in force. No portion of this arbitration provision may be amended, severed, 
or waived absent a written agreement between you and us.  

Credit Reporting  
We may report information about your account to credit bureaus. Late payments, missed 
payments, or other defaults on your account may be reflected on your credit report. If you 
request additional cards on your account for  others, you understand that we may report 
account information in your name as well as in the names of those other people. We may 
also obtain followup credit reports on you (for example, when we review your account for a 
credit line increase). If you wish to know the names of the agencies we have contacted, 
write  us  at  the  Customer  Service  address  listed  on  the  billing  statement.  We  will  try  to 
notify you by telephone or by mail of any legal process served on us in order to give you 
an opportunity to object to it, unless the law prohibits the notice. If you think we reported 
erroneous  information  to  a  credit  reporting  agency,  write  us  at  the  Customer  Service 
address  listed  on  the  billing  statement.  We  will  promptly  investigate  the  matter.  We  will 
then  tell  you  if  we  agree  or  disagree  with  you.  If  we  agree,  we  will  contact  each  credit 
reporting  agency  to  which  we  reported  and  will  request  they  correct  the  report.  If  we 
disagree  with  you  after  our  investigation,  we  will  tell  you  in  writing  or  by  telephone  and 
instruct you how to submit a statement of your position to those agencies. Your statement 
will  become  a  part  of  your  credit  record  with  them.  As  required  by  Utah  law,  you  are 
hereby  notified  that  a  negative  credit  report  reflecting  on  your  credit  record  may  be 
submitted  to  a  credit  reporting  agency  if  you  fail  to  fulfill  the  terms  of  your  credit 
obligations.  

Telephone Monitoring and Recording  
From time to time we may monitor and record your telephone calls regarding your account 
with us to assure the quality of our service.  

Closing Your Account  
You  may  close  your  account  at  any  time  by  notifying  us  in  writing  or  over  the  phone. 
However, you remain responsible to pay the total balance according to the terms of this 
Agreement. We may close your account or suspend your account privileges at any time for 
any reason not prohibited by applicable law without prior notice. We may also reissue a 
different card or account number at any time. You must return the card to us upon request.  

Refusal of the Card  
We are not responsible if a transaction on your account is not approved, either by us or by 
a  third  party,  even  if  you  have  sufficient  credit  available.  We  may  limit  the  number  of 
transactions that may be approved in one day. If we detect unusual or suspicious activity 
on your account, we may suspend your credit privileges until we can verify the activity.  

Changing this Agreement  
We may change the rates, fees, and terms of this Agreement from time to time as 
permitted by law. Changing terms includes adding, replacing, or deleting provisions 
of this Agreement. These changes are binding on you. Subject to applicable law, we 
will  give  you  advance  written  notice  of  the  changes  and  a  right  to  opt  out  to  the 
extent required by law.  

Enforcing this Agreement  
We can delay in enforcing or fail to enforce any of our rights under this Agreement without 
losing them.  

Assignment  
We  may  assign  any  or  all  of  our  rights  and  obligations  under  this  Agreement  to  a  third 
party.  

Applicable Law  
The terms and enforcement of this Agreement shall be governed by federal law and the 
law of Illinois, where we are located. This Agreement and your account are governed by, 
to the extent that state law applies, the law of Illinois without regard to its conflict of law 
principles. Further, this Agreement is made in Illinois and credit is extended to you from 
Illinois, regardless of where you live or use your account.  

For Maryland residents only, to the extent federal law and the laws of the State of Illinois 
do  not  apply,  this  Agreement  is  governed  by  Title  12,  Subtitle  9  of  the  Maryland 
Commercial Law Article.  

New Jersey Residents  
Because certain provisions of this Agreement are subject to governing law, they may be 
void,  unenforceable  or  inapplicable  in  some  jurisdictions.  None  of  these  provisions  are 
void, unenforceable or inapplicable with New Jersey.  

Your Billing Rights: Keep this Document for Future Use  
This  notice  tells  you  about  your  rights  and  our  responsibilities  under  the  Fair  Credit 
Billing Act  

What To Do If You Find a Mistake On Your Statement  
If  you  think  there  is  an  error  on  your  statement,  write  to  us  at  the  address  for  billing 
inquiries and correspondence shown on the front of your statement.  

In your letter, give us the following information:  
  Account information: Your name and account number.  

  Dollar amount: The dollar amount of the suspected error.  

  Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake.  

You must contact us:  
  Within 60 days after the error appeared on your statement.  

  At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  you  want  to 

stop payment on the amount you think is wrong.  

You must notify us of any potential errors in writing. You may call us, but if you do we are 
not  required  to  investigate  any  potential  errors  and  you  may  have  to  pay  the  amount  in 
question.  

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What Will Happen After We Receive Your Letter  
When we receive your letter, we must do two things:  

1. 

2. 

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.  
Within 90 days of receiving your letter, we must either correct the error or explain to 
you why we believe the bill is correct.  

While we investigate whether or not there has been an error:  
 

We cannot try to collect the amount in question, or report you as delinquent on that  
amount.  
The  charge  in  question  may  remain  on  your  statement,  and  we  may  continue  to 
charge you interest on that amount.  
While you do not have to pay the amount in question, you are responsible for the 
remainder of your balance.  
We can apply any unpaid amount against your revolving credit limit.  

 

 

 

After we finish our investigation, one of two things will happen: 
 

If  we  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or  any 
interest or other fees related to that amount.  

 

If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in 
question, along with applicable interest and fees. We will send you a statement of 
the  amount  you  owe  and  the  date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10  days  telling  us  that  you  still  refuse  to  pay.  If  you  do  so,  we  cannot  report  you  as 
delinquent without also reporting that you are questioning your bill. We must tell you the 
name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled between us.  

If we do not follow all the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is correct.  

Your Rights If You Are Dissatisfied With Your Credit Card Purchases  

If you are dissatisfied with the goods or services that you have purchased with your credit 
card, and you have tried in good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the purchase.  

To use this right, all of the following must be true:  

1. 

2. 

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.)  

You must have used your credit card for the purchase. Purchases made with cash 
advances from an ATM or with a check that accesses your credit card account do 
not qualify.  

3. 

You must not yet have fully paid for the purchase.  

If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing at the address for billing inquiries and correspondence shown on the front of 
your statement.  

While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent. 

®/™ Harris N.A. is a registered trademark of Bank of Montreal. Diners Club, Diners Club 
International  with  the  Split  Circle  Device,  and  Club  Cash  are  registered  trademarks  of 
Diners Club International Ltd.  
®* MasterCard is a registered trademark of MasterCard International Incorporated.  

10043171 (06/11)  

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Table 

Payment Information 

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

Fees 

Annual Membership Fee 

Primary Card Fee $95 

Additional Card Fee $35 

Transaction Fees 

  Transaction Fee for Club 

Cash® Advances 

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

  Foreign Purchase 
Transaction Fees 

Penalty Fees 

  Late Payment Fee 

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

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

  Returned Payment Fee

Up to $29