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. 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.

Disclosures for Active Duty Members of the Military 
and their Dependents
The following applies to members of the military and their 
dependents if, at the time you establish a covered account, 
you are an active duty member of the military or you are 
a dependent of an active duty member of the military (as 
set forth in the Military Lending Act, 10 U.S.C. 987, and its 
implementing regulations).

The Arbitration Provision of this Agreement does not apply 
to individuals covered by this section.

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, which may appear on your statement as a spend 
limit. The full amount of the credit limit is available to use 
where the card is honored. Subject to applicable law, we 
may reduce your credit limit at any time.

Your account may also include a cash limit, which will be 
a percentage of and subject to your credit limit. With the 
Club Cash® feature, your card can also be used to obtain 
cash through any bank or automated teller machine that 
accepts the card, subject to your credit limit. We may 
reduce your cash limit at any time, and we may limit the 
frequency and amount of cash withdrawals you may make 
in any time period.

We will notify you of any new credit or cash limit either by 
sending you a notice or through your billing statement. A 
change to your cash or credit limits 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 non-refundable 
unless you notify us that you wish to cancel your account 
within 30 days from the mailing or delivery date of the 
billing statement on which the fee is billed.

Billing
Your billing statement shows the total due, any interest 
charges and fees imposed during the billing cycle, and 
the payment due date. It also shows your current credit 
limit; an itemized list of current charges, payments and 
credits; an interest charge summary; and other important 
information. If we deem your account uncollectible or if we 
institute delinquency collection proceedings by sending it 
to an outside collection agency or attorney for collection, 
we may, in our sole discretion, stop sending you billing 
statements, unless otherwise prohibited by applicable law. 

You must notify us of a change in your address by 
contacting Customer Service by telephone or mail. We will 
mail or deliver the billing statement to only one address.

Automatic Billing Updater Service
We participate in the Mastercard® Automatic Billing 
Updater (ABU) service. When your card number or 
expiration date is updated, or your account is closed, we 
will provide the updated card information to merchants 
who participate in ABU with whom you have automatic 
billing arrangements (such as telephone, cable companies, 
insurance and health clubs). Since not all merchants 
participate in ABU, you should notify each merchant with 
whom you have automatic billing arrangements of the 
updated card information to ensure your payments are 
not interrupted. If you do not want us to provide your card 
updates through ABU, please call the customer service 
number on the back of your charge card and allow 60 days 
for your opt out to take effect.

How We Determine the Balance
The total outstanding balance (the amount you owe us) 
appears as the “New Balance” on the billing statement. 
To determine the New Balance, we begin with the 
outstanding balance on your account at the beginning 
of each billing period, called the “Previous Balance” on 
the billing statement. We add any purchases and cash 
advances and subtract any credits or payments credited as 
of that billing period. We then add the appropriate interest 
charges and fees and make other applicable adjustments.

Transaction Fee for Club Cash® Advances
You have obtained a cash advance for which we assess a 
cash advance transaction fee if you obtain funds from an 
automated teller machine (ATM), through home banking, 
or through a financial institution; make a wire transfer; 
acquire a money order, traveler’s check, lottery ticket, 
betting or casino chip, or similar item; or engage in another 
similar transaction. For each cash advance, we may add an 
additional fee in the amount printed in Facts About Fees. 
Pricing terms are also available in the specific product 
Pricing Tables at www.bmoharris.com/us/about/legal. The 
amount of the cash advance may include a surcharge that 
the ATM owner imposes.

Credit Balance 
You may not maintain a credit balance in excess of your 
credit limit. We will return to you any credit amount over 
$1.00 if the amount has been on your account longer than 
six months. You may request a refund of a credit balance at 
any time. We may reduce the amount of any credit balance 
by the amount of new charges billed to your account.

Transaction Fee for Purchases Made in 
Foreign Currencies
For each purchase made in a foreign currency, we add to 
your account an additional fee of 3.0% of the amount of 
the purchase after its conversion into U.S. dollars.

Information on Foreign Currency 
Conversion Procedures
Any purchase you make in a foreign currency or any cash 
advance you obtain in a foreign currency will be charged 
to your account in U.S. dollars after being converted by 
Mastercard®*. Mastercard will act in accordance with its 
procedures then in effect. 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
Online Payments. 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.

In-Branch Payments. If you have a Diners Club branded 
card, you may deliver your payment during normal 
business hours to a Customer Service Representative at 
any bank branch identified by the BMO Harris name, brand 
or logo. We will credit such payments on the day we 
receive them.

Late Payment Fee
We will add a Late Payment Fee to the standard 
purchase balance for each billing period you fail to 
pay, by its due date, the Minimum Payment. The 
Late Payment Fee that applies to your account is the 
amount printed in Facts About Fees. Pricing terms are 
also available in the specific product Pricing Tables at 
www.bmoharris.com/us/about/legal. The fee will not 
exceed the amount permitted by applicable law. 

Returned Payment Fee 
We may add a Returned Payment Fee up to the 
amount printed in Facts About Fees. Pricing terms are 
also available in the specific product Pricing Tables at 
www.bmoharris.com/us/about/legal. A Returned Payment 
Fee may be charged 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. 

Fees Disclosed at Time of Request 
Unless prohibited by law, we also may charge you other 
fees from time to time. If a fee applies to your account, we 
will tell you the amount of the fee at the time you request 
the service.

Some fees that may apply to your account include:
1.  A Replacement Card Fee if you request a replacement 

Card;

2. An Expedited Delivery Fee (in addition to any 

other applicable fees) if you ask us to send a card by 
expedited delivery;

3. A Dual Statement Fee if you ask us to send your 
Statements in both paper and electronic form;

4. A Document Fee if you ask us to provide copies of 
documents, such as sales slips and receipts; and

5. An Expedited Payment Fee if a representative of ours 

helps expedite your payment.

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 seek. This includes 
Claims based on contract, tort (including intentional 
tort), fraud, agency, your or our negligence, statutory 
or regulatory provisions, or any other sources of law; 
Claims made as counterclaims, cross-claims, third-party 
claims, interpleaders or otherwise; and Claims made 
independently or with other claims. A party who initiates 
a proceeding in court may elect arbitration with respect 
to any Claim advanced in that proceeding by any other 

party. Claims and remedies sought as part of a class 
action, private attorney general or other representative 
action are subject to arbitration on an individual (non-
class, non-representative) basis, and the arbitrator may 
award relief only on an individual (non-class, non-
representative) basis.

•	  Whose Claims are subject to arbitration? Not only 
ours and yours, but also Claims made by or against 
anyone connected with us or you or claiming through us 
or you, such as a co-applicant or authorized user of your 
account, an employee, agent, representative, affiliated 
company, predecessor or successor, heir, assignee, or 
trustee in bankruptcy.

•	  What time frame applies to Claims subject to 

arbitration? Claims arising in the past, present, or 
future, including Claims arising before the opening of 
your account, are subject to arbitration.

•	  Broadest interpretation. Any questions about whether 
Claims are subject to arbitration shall be resolved by 
interpreting this arbitration provision in the broadest 
way the law will allow it to be enforced. This arbitration 
provision is governed by the Federal Arbitration Act 
(the “FAA”).

•	  What about Claims filed in Small Claims Court? 
Claims filed in a small claims court are not subject 
to arbitration, so long as the matter remains in such 
court and advances only an individual (non-class, non-
representative) Claim.
How Arbitration Works
•	  How does a party initiate arbitration? The party filing 
an arbitration must choose one of the following two 
arbitration firms and follow its rules and procedures 
for initiating and pursuing an arbitration: American 
Arbitration Association or JAMS. Any arbitration hearing 
that you attend will be held at a place chosen by the 
arbitration firm in the same city as the U.S. District Court 
closest to your then current billing address, or at some 
other place to which you and we agree in writing. You 
may obtain copies of the current rules of each of the 
arbitration firms and forms and instructions for initiating 
an arbitration by contacting them as follows:

  American Arbitration Association 
  800-778-7879 (toll free) Website: www.adr.org

JAMS 

  800-352-5267 (toll free) Website: www.jamsadr.com

 At any time you or we may ask an appropriate court to 
compel arbitration of Claims, or to stay the litigation of 

 
 
Claims pending arbitration, even if such Claims are part 
of a lawsuit, unless a trial has begun or a final judgment 
has been entered. Even if a party fails to exercise these 
rights at any particular time, or in connection with any 
particular Claims, that party can still require arbitration at 
a later time or in connection with any other Claims.

•	  What procedures and law are applicable in 

arbitration? A single, neutral arbitrator will resolve 
Claims. The arbitrator will be either a lawyer with 
at least ten years experience or a retired or former 
judge, selected in accordance with the rules of the 
arbitration firm. The arbitration will follow procedures 
and rules of the arbitration firm in effect on the date 
the arbitration is filed unless those procedures and 
rules are inconsistent with this Agreement, in which 
case this Agreement will prevail. Those procedures and 
rules may limit the discovery available to you or us. The 
arbitrator will take reasonable steps to protect customer 
account information and other confidential information 
if requested to do so by you or us. The arbitrator will 
apply applicable substantive law consistent with the 
FAA and applicable statutes of limitations, will honor 
claims of privilege recognized at law, and will have 
the power to award to a party any damages or other 
relief provided for under applicable law. You or we 
may choose to have a hearing and be represented by 
counsel. The arbitrator will make any award in writing 
and, if requested by you or us, will provide a brief 
statement of the reasons for the award. An award in 
arbitration shall determine the rights and obligations 
between the named parties only, and only in respect of 
the Claims in arbitration, and shall not have any bearing 
on the rights and obligations of any other person, or on 
the resolution of any other dispute.

•	  Who pays? Whoever files the arbitration pays the 

initial filing fee. If we file, we pay; if you file, you pay, 
unless you get a fee waiver under the applicable rules 
of the arbitration firm. If you have paid the initial filing 
fee and you prevail, we will reimburse you for that 
fee. If there is a hearing, we will pay any fees of the 
arbitrator and arbitration firm for the first day of that 
hearing. All other fees will be allocated as provided 
by the rules of the arbitration firm and applicable law. 
However, we will advance or reimburse your fees if the 
arbitration firm or arbitrator determines there is good 
reason for requiring us to do so, or if you ask us and we 
determine there is good reason for doing so. Each party 
will bear the expense of that party’s attorneys, experts, 

and witnesses, and other expenses, regardless of 
which party prevails, but a party may recover any or all 
expenses from another party if the arbitrator, applying 
applicable law, so determines.

•	  Who can be a party? Claims must be brought in the 

name of an individual person or entity and must proceed 
on an individual (non-class, non-representative) basis. 
The arbitrator will not award relief for or against anyone 
who is not a party. If you or we require arbitration of 
a Claim, neither you, we, nor any other person may 
pursue the Claim in arbitration as a class action, private 
attorney general action or other representative action, 
nor may such Claim be pursued on your or our behalf 
in any litigation in any court. Claims, including assigned 
Claims, of two or more persons may not be joined 
or consolidated in the same arbitration. However, 
applicants, co-applicants, authorized users on a single 
account and/or related accounts, or corporate affiliates 
are here considered as one person.

•	  When is an arbitration award final? The arbitrator’s 

award is final and binding on the parties unless a party 
appeals it in writing to the arbitration firm within 
fifteen days of notice of the award. The appeal must 
request a new arbitration before a panel of three 
neutral arbitrators designated by the same arbitration 
firm. The panel will consider all factual and legal issues 
anew, follow the same rules that apply to a proceeding 
using a single arbitrator, and make decisions based 
on the vote of the majority. Costs will be allocated in 
the same way they are allocated for arbitration before 
a single arbitrator. An award by a panel is final and 
binding on the parties after fifteen days has passed. 
A final and binding award is subject to judicial review 
and enforcement as provided by the FAA or other 
applicable law.

Survival and Severability of Terms 
This arbitration provision shall survive: (i) termination or 
changes in the Agreement, the account, or the relationship 
between you and us concerning the account; (ii) the 
bankruptcy of any party; and (iii) any transfer, sale or 
assignment of your account, or any amounts owed on your 
account, to any other person or entity. If any portion of this 
arbitration provision is deemed invalid or unenforceable, 
the entire arbitration provision shall not remain in force. 
No portion of this arbitration provision may be amended, 
severed, or waived absent a written agreement between 
you and us.

Credit Reporting
We may report information about your account to credit 
bureaus. Late payments, missed payments, or other 
defaults on your account may be reflected on your credit 
report. If you request additional cards on your account 
for others, you understand that we may report account 
information in your name as well as in the names of those 
other people. We may also obtain follow-up credit reports 
on you (for example, when we review your account for 
a credit line increase). If you wish to know the names of 
the agencies we have contacted, write us at the Customer 
Service address listed on the billing statement. We will try 
to notify you by telephone or by mail of any legal process 
served on us in order to give you an opportunity to object 
to it, unless the law prohibits the notice. If you think 
we reported erroneous information to a credit reporting 
agency, write us at the Customer Service address listed 
on the billing statement. We will promptly investigate the 
matter. We will then tell you if we agree or disagree with 
you. If we agree, we will contact each credit reporting 
agency to which we reported and will request they correct 
the report. If we disagree with you after our investigation, 
we will tell you in writing or by telephone and instruct 
you how to submit a statement of your position to those 
agencies. Your statement will become a part of your 
credit record with them. As required by Utah law, you are 
hereby notified that a negative credit report reflecting on 
your credit record may be submitted to a credit reporting 
agency if you fail to fulfill the terms of your credit 
obligations. 

Consent to Telephone Calls and Monitoring
You authorize us (which includes, for the purposes 
of this paragraph, our agents and representatives) to 
contact you using automatic telephone dialing systems, 
artificial or prerecorded voice message systems, email 
and text messaging systems in order to provide you with 
information regarding your account, including information 
about missed payments, the suspected misuse of 
your card, or general servicing items. You authorize us 
to make such contacts using any telephone numbers 
(including wireless, landline and Voice Over Internet 
Protocol numbers) you have supplied or will supply to 
us in connection with your account or any other account 
you may have or will establish with us. You understand 
that anyone with access to your telephone may listen 
to or read the messages we leave or send you, and you 
agree that we will have no liability for anyone accessing 
such messages. You further understand that, when 
you receive a telephone call or text message, you may 

incur a charge from the company that provides you with 
telecommunications, wireless and/or data services, and 
you agree that we will have no liability for such charges. 
You expressly authorize us to monitor and record your calls 
with us. You agree that you are the owner and/or primary 
user of any telephone number or email address you 
provide to us and that you will notify us if this is no longer 
true as to any such telephone number or email address. 

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.

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things:
6.  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.

7.   Within 90 days of receiving your letter, we must either 
correct the error or explain to you why we believe the 
bill is correct.

While we investigate whether or not there has been 
an error:
•	  We cannot try to collect the amount in question, or 

report you as delinquent on that amount.

•	  The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.

•	  While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance.
•   We can apply any unpaid amount against your revolving 

credit limit.

After we finish our investigation, one of two things 
will happen:
•	  If we made a mistake: You will not have to pay the 

amount in question or any interest or other fees related 
to that amount.

•	  If we do not believe there was a mistake: You 
will have to pay the amount in question, along 
with applicable interest and fees. We will send you 
a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent 
if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill 
is wrong, you must write to us within 10 days telling us 
that you still refuse to pay. If you do so, we cannot report 
you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone 
to whom we reported you as delinquent, and we must 
let those organizations know when the matter has been 
settled between us. 

If we do not follow all the rules above, you do not have to 
pay the first $50 of the amount you question even if your 
bill is correct.

Your Rights If You Are Dissatisfied With Your Credit 
Card Purchases
If you are dissatisfied with the goods or services that you 
have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due 
on the purchase. 

To use this right, all of the following must be true:
1.   The purchase must have been made in your home state 
or within 100 miles of your current mailing address, 
and the purchase price must have been more than $50. 
(Note: Neither of these are necessary if your purchase 
was based on an advertisement we mailed to you, 

or if we own the company that sold you the goods or 
services.)

2.  You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or 
with a check that accesses your credit card account do 
not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still 
dissatisfied with the purchase, contact us in writing at the 
address for billing inquiries and correspondence shown on 
the front of your statement.

While we investigate, the same rules apply to the 
disputed amount as discussed above. After we finish our 
investigation, we will tell you our decision. At that point, if 
we think you owe an amount and you do not pay, we may 
report you as delinquent.

Banking products and services are subject to bank and credit approval and are provided 
by BMO Harris Bank N.A. Member FDIC.

®/™ 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.

© 2021 BMO Harris Bank N.A. All Rights Reserved.

F03-W759-0-0921

50367887  09/21-2363