PRICING ADDENDUM FOR DILLARD’S CREDIT CARD AGREEMENT
As of January 1, 2020

Interest Rates and Interest Charges
Annual Percentage Rate (APR) 
for Purchases

U.S. Prime Rate + 19.74% to 21.74% based on your creditworthiness. 

This APR will vary with the market based on the U.S. Prime Rate (“Index Rate”).

How to Avoid Paying Interest 
on Purchases

Minimum Interest Charge

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month. 
If you are charged interest, the charge will be no less than $1.00.

Fees
Annual Fee
Penalty Fees

None

•  Late Payment

Up to $37.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Late Payment Fee: The fee will be the lesser of the Total Minimum Payment Due or $27.00. For any subsequent 
event within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $37.00.
How We Will Calculate Your Variable APRs: The APRs used to figure interest for purchases on your Account are figured by adding a margin 
of 19.74 to 21.74 percentage points to the U.S. Prime Rate for that Billing Cycle.  These rates vary with the market based on the U.S. Prime 
Rate. See your Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of January 2020. This information may have changed 
after that date. To find out what may have changed, call us at 1-800-643-8278.

Variable Interest Rate Calculation

Index Rate effective as of 01/01/2020

Margin added to the Index Rate to determine your APR for Purchases

APR for Purchases

4.75%

19.74% to 21.74%

24.49% to 26.49%

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6102OA DILLARDS PL 0120DILLARD’S CREDIT CARD AGREEMENT

Notice to California Cardmembers 
To our California customers who have discussed credit card terms and conditions with 
us in Spanish, Chinese, Korean, Vietnamese, or Tagalog:
Read the section titled INTERPRETER CERTIFICATION before you use your Account.
Lean la sección titulada CERTIFICACIÓN DE INTÉRPRETE antes de usar su Cuenta.
請您在使用您的帳戶之前閱讀標題為「翻譯員認證」的章節。
계좌를 사용하시기 전에 “통역사 증명” 항목을 읽으시기 바랍니다.
Hãy đọc phần có tựa đề XÁC NHẬN VỀ THÔNG DỊCH VIÊN trước khi quý vị sử dụng 
Trương mục của mình.
Basahin ang seksiyong may pamagat na SERTIPIKASYON NG TAGAPAGSALING-WIKA 
bago mo gamitin ang iyong Account. 
These terms apply to your entire Account.
About Your Account 
AGREEMENT. This Credit Card Agreement (“Agreement”) covers the use of your Credit 
Card Account (“Account”) with us. It includes the Important Terms of Your Credit Card 
Account. You accept the terms of this Agreement by opening or using your Account. 
Your signature on your application or solicitation for this Account, including without 
limitation any electronic or digital signature, as well as your signature on Sales Slips or 
any Account-related document, represents your signature on this Agreement. Please 
read this Agreement carefully and save it for future reference.
PARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Bank, 
N.A., P.O. Box 10347, Des Moines, IA 50306 (“we,” “us,” and “our”) and the account holder 
(“you” and “your”).
CONTACTING US. Unless stated otherwise in this Agreement, you may contact us at 
the phone number or address shown on your statement.
DEFINITIONS.

Billing Cycle

The  interval  between  statements.  Each  statement  shows  a 
closing date. The statement closing date is the last day of the 
Billing Cycle for that statement.

Card

The credit card we may issue to use your Account.

Important Terms 
of Your Credit Card 
Account

A summary of your Account’s Annual Percentage Rates (“APRs”), 
fees and other important information.

New Balance

The Outstanding Balance as of a statement closing date.

Outstanding 
Balance

The sum of all unpaid amounts, including purchases, interest, 
fees and any other amounts that you may owe us.

Payment Address

The address where you mail your payment. It is located on your 
Payment Stub.

Payment Due Date The  date  the Total  Minimum  Payment  Due  is  due  to  us.  It  is 

shown on your statement.

Payment Stub

Sales Slip

The portion of your statement that is to be returned with your 
payment.

Any document that describes the terms of a purchase on the 
Account.

OVERVIEW OF ACCOUNT. Your Account may be divided into two or more balances. 
Different terms may apply to different balances.
USING  YOUR  ACCOUNT.  You  may  use  your  Account  for  purchases  from  Dillard’s 
locations,  including  Dillard’s  website.  Purchases  will  be  part  of  the  regular  balance 
unless a Dillard’s Sales Slip shows that Club Plan terms apply. If Club Plan terms apply, 
the purchase will be part of a Club Plan balance. Club Plans are described later in this 
Agreement (see Club Plans section).
You promise that you will use your Account only for lawful personal, family or household 
purposes. 
PROMISE TO PAY. When you use your Account, or let someone else use it, you promise 
to pay the total amount of the purchase, as well as any interest, fees or other amounts 
that  you  may  owe  us.  We  may  limit  or  close  your  Account,  but  the  terms  of  this 
Agreement will apply until you pay the Account in full.
CREDIT LIMIT. We will assign a Credit Limit to your Account. A Credit Limit is the amount 
of credit we will extend to your Account. Your Credit Limit is provided with your Card and 
on each of your statements. You promise to use your Account only to the Credit Limit. 
If you exceed your Credit Limit, we may authorize the transaction without increasing 
your Credit Limit. If you exceed your Credit Limit, you will remain liable for all amounts 
payable under this Agreement. We can adjust your Credit Limit at any time.
Fees and Interest 
FEES. You agree to pay the following fees. You will find the fee amounts in the Important 
Terms of Your Credit Card Account. 
•  Late Payment Fee. This fee may be charged each time we do not receive the Total 
Minimum Payment Due by the Payment Due Date. This fee will be charged to your 
regular balance.

INTEREST RATES. The daily periodic rates are calculated by dividing each applicable 
APR by 365. The APRs used to figure interest on balances are shown in the Important 
Terms of Your Credit Card Account.

• 

2 of 5

PRIME RATE. The Prime Rate we use is the U.S. Prime Rate published in the Money 
Rates section of The Wall Street Journal. We select the Prime Rate published on the first 
business day of the month preceding the month of the quarterly rate change date. If 
more than one Prime Rate is published, we will use the average of the Prime Rates. If 
the Prime Rate is no longer published or is not available, we may select a similar rate. 
The  APR  will  increase  or  decrease  if  the  Prime  Rate  increases  or  decreases  and  this 
will also cause the daily periodic rate to increase or decrease. An increase or decrease 
in the APR will increase or decrease the total amount of interest you pay. It may also 
increase or decrease the Total Minimum Payment Due. The rate change date for each 
quarter is the first day of the first Billing Cycle beginning on or after January 1, April 1, 
July 1, and October 1.  
WHEN WE  CHARGE  INTEREST.  Unless  stated  otherwise  below,  we  begin  charging 
interest on a purchase or interest charge on the date the purchase or interest charge 
posts to your Account. We begin charging interest on a fee on the first day of the Billing 
Cycle following the Billing Cycle in which the fee posts to your Account. However, if a 
late payment fee is posted to your Account in the current Billing Cycle, but is related 
to a late payment in the prior Billing Cycle, we will begin charging interest on the fee 
on the first day of the current Billing Cycle.
HOW TO AVOID PAYING INTEREST ON PURCHASES. Except as described in the Club 
Plans section below, to avoid paying interest on new Purchases you have to pay your entire 
New Balance by the Due Date on your statement each Billing Period. 
HOW  WE  CALCULATE  INTEREST—AVERAGE  DAILY  BALANCE  METHOD 
(INCLUDING  NEW  PURCHASES).  The  total  interest  charge  is  the  sum  of  interest 
charges for each type of balance on your Account (e.g. regular balance). We figure the 
interest charge for each type of balance on your Account by applying the daily periodic 
rate to the average daily balance (“ADB”). Then, we multiply this amount by the number 
of days in the Billing Cycle.

Interest charge = daily periodic rate x ADB x number of days in the Billing Cycle.
ADBs for each type of balance are calculated separately, starting with the beginning 
balance on the first day of each Billing Cycle. The beginning balance on the first day of 
the Billing Cycle includes the following:
•  The prior Billing Cycle’s ending balance, which includes any unpaid fees posted to 

your Account in the prior Billing Cycle. 

•  Any late payment fees posted in the current Billing Cycle that are related to a late 

payment in the prior Billing Cycle. 

To get the ADB for each type of balance, we take the beginning balance each day and 
add any new purchases. Except for the first day of each Billing Cycle, we add interest 
equal to the previous day’s balance multiplied by the daily periodic rate. (This means 
interest is compounded daily.) Then, we subtract any payments or credits. This gives 
us the daily balance. Any daily balance that is a credit balance will be treated as zero. 
Then, we add up all the daily balances for the Billing Cycle. We divide this amount by 
the number of days in the Billing Cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

MINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge 
will be no less than $1.00.
Payments 
TOTAL MINIMUM PAYMENT DUE. You promise to pay the Total Minimum Payment 
Due by the Payment Due Date. The Total Minimum Payment Due is the greater of (A) 
or (B), plus (C):
(A)  $27.00  (or  $37.00  if  we  do  not  receive  the Total  Minimum  Payment  Due  by  the 

Payment Due Date in any one of the prior six Billing Cycles)

(B)  The sum of:

•  Any past due amounts; plus
•  Any fees assessed during the current Billing Cycle; plus 
•  1% of the new balance (excluding any Club Plan balance); plus
•  The sum of any interest charges in the current Billing Cycle

(C)  The  payment(s)  for  any  Club  Plan  12  or  Club  Plan  24  balances  (see  Club  Plans 

section).

The Total Minimum Payment Due will never be more than the New Balance. If you pay 
more than the Total Minimum Payment Due but less than the Outstanding Balance, 
you are still required to pay the Total Minimum Payment Due in the next Billing Cycle.
PAYMENT INSTRUCTIONS. Follow these instructions when making a payment:
•  Make your payment in U.S. dollars, but do not send cash.
• 

If you make a payment by mail, please include the Payment Stub with your payment. 
Use  the  envelope  enclosed  with  your  statement  to  mail  both  documents  to  the 
Payment Address. Payments received by 5:00 p.m. local time at the Payment Address 
will be credited as of the date of receipt. Payments received after the 5:00 p.m. cut-off 
time will be credited as of the next day. When you provide a check as payment, you 
authorize us either to use information from your check to make a one-time electronic 
fund transfer from your account or to process the payment as a check transaction. 
When we use information from your check to make an electronic fund transfer, funds 
may  be  withdrawn  from  your  account  as  soon  as  the  same  day  we  receive  your 
payment, and you will not receive your check back from your financial institution. 
Your billing statement also explains how information on your check is used. 
If you make a payment online, it must be made via Dillard’s website, which is shown 
on your statement. The cut-off time for online payments will be disclosed at the time 
of the transaction. 

6102OA DILLARDS PL 0120•  You also can make a payment at a Dillard’s store. Payments received at the Dillard’s 
store location where payment is made will be credited as of the date of receipt.
If you do not follow these instructions, your payments may not receive credit for up to 
five days after we receive it. You may at any time pay, in whole or in part, the Outstanding 
Balance without any additional charge for prepayment.
Some of your available line of credit may be held at our discretion, until your payment 
is honored.
IRREGULAR PAYMENTS. We may accept late payments, partial payments or payments 
that reflect “paid in full” (or other restrictive language), without losing our rights to 
receive full payment. If you intend to claim to pay your Account in full with an amount 
less than the Outstanding Balance, payments must be sent to us at Wells Fargo Bank, 
N.A., P.O. Box 10311, Des Moines, IA 50306-0311.
APPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the 
Total  Minimum  Payment  Due  at  our  discretion. We  apply  any  payment  amounts  in 
excess of the Total Minimum Payment Due to balances with higher APRs before lower 
APRs.
Any payment in excess of the Total Minimum Payment Due is applied based on the 
balances reflected on your last statement. We post payments in the Billing Cycle they 
are received.
Other Information 
CANCELLATION. We may close your Account at any time and for any reason. You may 
also close the Account at any time by contacting us. If that happens, you must still repay 
the balance owed according to the terms of this Agreement. If we close the Account, 
notice may be provided to only one account holder.
AUTHORIZED USERS. You may request additional Cards for authorized users. You are 
responsible for all charges (including related interest and fees) made by the authorized 
user. If you want to end an authorized user’s privilege to use your Account, before we 
can process the request, you must:
•  Recover and destroy that person’s Card. If you do not recover and destroy the Card, 
you will continue to be liable for any charges made after you advised us of your wish 
to cancel the privileges, unless you tell us to cancel all Cards and establish a new 
Account for you.

•  You must notify us of your request by contacting us at the phone number or address 

shown on your statement.  

In general, an authorized user is not obligated on this Account and is not liable for any 
Outstanding Balance or any other charges made by you or by any other authorized 
user. Each authorized user’s privilege ends automatically upon the death of all account 
holders. If any person uses the Card, such use indicates his or her agreement to pay 
us, and we may, at our discretion, pursue the person for payment of any Outstanding 
Balance or any other charges they authorize. You agree to notify each authorized user 
that they are subject to all applicable sections of this Agreement.
CONTACTING  YOU.  By  providing  us  with  any  phone  number,  you  are  expressly 
consenting permission to contact you at that number about all of your Wells Fargo 
accounts. You give consent to allow us to contact your past, present and future phone 
service providers to verify the information you have provided against their records. 
You agree that your phone service providers may verify any phone numbers you have 
supplied to the name, address, and status on their records. In order for us to service 
your Account or to collect any amounts you may owe, you agree that we may contact 
you using any contact information related to your Account, including any number (i) 
you have provided to us, (ii) from which you called us, or (iii) which we obtained and 
reasonably believe we can reach you. We may use any means to contact you. This may 
include contact from companies working on our behalf to service your Accounts. This 
may include automated dialing devices, prerecorded/artificial voice messages, mail, 
e-mail, text messages and calls to your mobile, wireless or similar device or Voice over 
Internet Protocol (VolP) service, or any other data or voice transmission technology. 
You are responsible for any service provider charges as a result of us contacting you. 
You agree to promptly notify us if you change any contact information you provide to 
us. This includes your name, mailing address, e-mail address(es), or phone number(s). 
PHONE MONITORING. We may monitor and record your phone calls with us.
LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to 
contact us immediately if your Card is lost or stolen or if you believe your Account is 
being used without your permission. You may contact us at: 1-800-643-8278 or P.O. Box 
10347, Des Moines, IA 50306. You agree to assist us in our investigation of the matter. 
If you do this, you will not be held liable for the unauthorized use of your Account, 
but you will be responsible for all use by anyone you give your Card to or allow to use 
your Account. 
DEFAULT. Your Account will be in default if any of the following occur:
•  You fail to pay the Total Minimum Payment Due by the Payment Due Date.
•  Any payment is dishonored.
•  You violate the terms of this Agreement.
•  You made an untrue statement on your application.
•  You file for bankruptcy.
If  your  Account  is  in  default,  our  rights  include,  but  are  not  limited  to,  refusing  to 
authorize  further  transactions,  closing  your  Account,  and  requiring  the  immediate 
payment of the Outstanding Balance. If your Account is in default, you also agree to 
pay our collection costs, attorney’s fees, and court costs.
GOVERNING LAW. Federal law and the laws of South Dakota govern this Agreement 
and your Account.

CHANGE IN TERMS. We may change this Agreement at any time. These changes 
may apply to existing and future balances. We will give you advance written notice 
of the change(s) and a right to reject the change(s) if required by law. We may 
require you to close your Account or take other actions if you reject the changes.
ENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our rights 
without  losing  them.  We  may  waive  or  delay  enforcing  a  right  against  one  of  you 
without waiving it as to the other.
SEPARATION  OF  UNLAWFUL  PROVISIONS.  If  any  provision  of  this  Agreement  is 
determined  to  be  unlawful,  the  rest  of  the  Agreement  will  stand  and  the  unlawful 
provision will be deemed amended to conform to law.
INFORMATION SHARING. When you applied for an Account, you gave us and Dillard’s, 
Inc. information about yourself that we could share with each other. Dillard’s, Inc. will 
use the information in connection with the credit program and for things like creating 
and updating its records and offering you special benefits. Federal or state laws may 
limit our ability to share your personal and/or Account information with Dillard’s, Inc. 
even though you have given us this authorization. We comply with these federal and 
state laws. Please refer to the Wells Fargo Bank, N.A. Dillard’s Privacy Notice for more 
information about how we collect, share, and protect your information, as well as how 
you may limit some, but not all, information sharing.
CREDIT INFORMATION. You promise that any information you give to us in connection 
with your Account is true and complete. You understand that we rely on this information 
to open your Account and extend credit to you. You authorize us to investigate your 
credit, employment, assets, and income records and to verify your credit references. 
You also authorize us to obtain credit reports on you from time to time.
INFORMATION  REPORTING.  You  agree  that  we  may  report  your  performance, 
status,  and  history  under  this  Agreement  to  consumer  reporting  agencies.  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 additional 
cardmembers. If you fail to comply with the terms of the Account as defined in this 
Agreement,  it  will  be  furnished  to  the  credit  reporting  agencies  and  it  could  cause 
a  negative  reference  on  your  credit  report  and  the  credit  reports  of  any  additional 
cardmembers. You have the right to dispute the accuracy of information that we have 
reported by writing to us at Wells Fargo Bank, N.A., P.O. Box 14517, Des Moines, IA 50306 
and describing the specific information that is inaccurate or in dispute and the basis for 
any dispute with supporting documentation. In the case of information that you believe 
relates to an identity theft, you will need to provide us with an identity theft report.
ASSIGNMENT. We have the right to assign your Account to another creditor. The other 
creditor is then entitled to any rights we assign to them. You do not have the right to 
assign your Account.
Club Plans 
These terms apply to Club Plans.
CLUB PLANS. From time to time, certain Dillard’s purchases may qualify as a Club Plan 
purchase. If a Sales Slip shows that Club Plan terms apply, then the purchase will be 
governed by the Club Plan terms (described below) and the terms of this Agreement. 
You accept the Club Plan terms by making the purchase.
•  Club Plan 12. If a Sales Slip shows that Club Plan 12 terms apply, this means the 
payment  is  the  amount  required  to  pay  the  initial  purchase  balance  in  full  in  12 
equal  monthly  payments.  Because  of  rounding,  the  final  payment  could  be  less 
than other payments.

•  Club Plan 24. If a Sales Slip shows that Club Plan 24 terms apply, this means the 
payment  is  the  amount  required  to  pay  the  initial  purchase  balance  in  full  in  24 
equal  monthly  payments.  Because  of  rounding,  the  final  payment  could  be  less 
than other payments.

•  We  will  not  charge  you  interest  on  a  Club  Plan  12  or  Club  Plan  24  balance. The 
payment amount for any Club Plan 12 or Club Plan 24 balance(s) is included in the 
Total Minimum Payment Due (see Total Minimum Payment Due section).

Interpreter Certification 
INTERPRETER  CERTIFICATION.  THIS  CERTIFICATION  APPLIES  IF  YOU  CHOSE  TO 
DISCUSS OPENING AN ACCOUNT WITH US IN SPANISH, CHINESE, KOREAN, VIETNAMESE, 
OR TAGALOG. By signing the credit card application, using or otherwise accepting the 
Card or related Account issued to you, you certify to Wells Fargo Bank, N.A. (us) that: 
(1) You have received and discussed this Agreement with your  interpreter  and that 
you and your interpreter have been given an opportunity to discuss with us the terms 
and conditions contained in these enclosed documents; (2) Your interpreter is at least 
18 years old and is fluent both in English and in the language in which you chose to 
discuss with us the terms and conditions of your Account, and is not employed by or 
made available through the Merchant; (3) You understand and agree to the terms and 
conditions contained in these enclosed documents as written.
CERTIFICACIÓN  DE  INTÉRPRETE.  ESTA  CERTIFICACIÓN  SE  APLICA  SI  USTED 
ELIGIÓ  CONVERSAR  CON  NOSOTROS  SOBRE  LA  APERTURA  DE  UNA  CUENTA 
EN  ESPAÑOL,  CHINO,  COREANO,  VIETNAMITA  O  TAGALO.  Al  firmar  la  solicitud 
de  tarjeta  de  crédito,  utilizar  o  aceptar  de  otro  modo  la  Tarjeta  o  la  Cuenta 
relacionada  que  se  le  haya  otorgado,  usted  certifica  a  Wells  Fargo  Bank,  N.A., 
(nosotros) que: (1) Usted ha recibido y analizado este Contrato con su intérprete, y que 
usted y su intérprete han tenido la oportunidad de analizar con nosotros los términos 
y condiciones contenidos en estos documentos adjuntos; (2) Su intérprete tiene por 
lo menos 18 años de edad y habla con fluidez en inglés y en el idioma en el que usted 
haya elegido analizar con nosotros los términos y condiciones de su Cuenta, y no es 
un  empleado  ni  ofrece  sus  servicios  a  través  del  Comerciante;  (3)  Usted  entiende  y 
acepta los términos y condiciones contenidos en estos documentos adjuntos tal como 
se encuentran redactados.

3 of 5

6102OA DILLARDS PL 0120翻譯員認證。本認證於當您選擇以西班牙語、中文、韓語、越南語或塔加拉族語
與我們討論開戶事宜之時適用。一旦您簽署信用卡申請表，使用或以其他方式接
受核發給您的信用卡或相關帳戶，即表示您向富國銀行 (Wells Fargo Bank, N.A.)（
我們）證明：(1)  您已經收到並與您的翻譯員討論過本協議，並且您和您的翻譯
員都有機會與我們討論這些所附文件中的條款和條件；(2)  您的翻譯員至少年滿 
18 歲，並具有流利的英語能力且深諳您所選與我們討論您的帳戶條款和條件的語
言，且其並未受僱於商家或由商家提供；(3) 您理解並同意遵守這些所附文件中的
書面條款和條件。
통역사  증명.  이  증명은  계좌  개설에  관한  사항을  스페인어,  중국어,  한국어, 
베트남어  또는  타갈로그어로  논의하기로  하신  경우에  적용됩니다.  신용카드 
신청서에 서명하시고, 회원님께 발급된 신용카드 또는 관련 계좌를 사용하거나 
수락하시는 것은 회원님께서 (1) 본 계약서를 수령하고 그 내용을 담당 통역사와 
함께 검토했으며 회원님과 담당 통역사는 동봉된 문서에 기재된 약관의 내용을 
당사와 함께 논의할 기회를 부여받았고, (2) 담당 통역사는 18세 이상이며 회원님 
계좌의 약관에 관해 당사와 논의할 때 회원님께서 사용하기로 선택하신 언어와 
영어 모두에 능통한 사람이고 Wells Fargo Bank, N.A.(미국)에서 채용하거나 
알선한 인력이 아니며, (3) 이 동봉된 문서에 기록된 약관의 내용을 회원님께서 
이해하고 그에 동의했음을 Wells Fargo Bank, N.A.(미국) 측에 증명하신다는 
의미입니다.
XÁC NHẬN VỀ THÔNG DỊCH VIÊN. PHẦN XÁC NHẬN NÀY ĐƯỢC ÁP DỤNG 
NẾU QUÝ VỊ ĐÃ CHỌN THẢO LUẬN VỀ VIỆC MỞ TRƯƠNG MỤC TẠI NGÂN 
HÀNG CHÚNG TÔI BẰNG TIẾNG TÂY BAN NHA, TRUNG QUỐC, HÀN QUỐC, 
VIỆT NAM HOẶC TAGALOG. Với việc ký đơn xin cấp thẻ tín dụng, sử dụng hay nếu 
không thì chấp nhận Thẻ này hay Trương mục liên quan được cấp cho quý vị, quý vị xác 
nhận với Wells Fargo Bank, N.A. (chúng tôi) rằng: (1) Quý vị đã nhận được và thảo luận 
với thông dịch viên của mình về Thỏa thuận này, và quý vị cũng như thông dịch viên đều 
đã có cơ hội trao đổi với chúng tôi về các điều khoản và điều kiện ghi trong những tài 
liệu đính kèm này; (2) Thông dịch viên của quý vị phải từ 18 tuổi trở lên, thông thạo cả 
tiếng Anh cũng như ngôn ngữ mà quý vị đã chọn sử dụng để trao đổi với chúng tôi về các 
điều khoản và điều kiện của Trương mục, và không phải là nhân viên của Bên bán hoặc 
được Bên bán giới thiệu ; (3) Quý vị hiểu và đồng ý với nguyên văn nội dung của các điều 
khoản và điều kiện được ghi trong những tài liệu đính kèm này.
SERTIPIKASYON  NG  TAGAPAGSALING-WIKA.  ILALAPAT  ANG  SERTIPIKASYONG 
ITO  KUNG  NAPILI  MONG TALAKAYIN  ANG  PAGBUBUKAS  NG  ACCOUNT  SA  AMIN  SA 
SPANISH,  CHINESE,  KOREAN, VIETNAMESE,  O TAGALOG.  Sa  paglagda  ng  aplikasyon 
sa credit card, paggamit o kundi man ay pagtanggap ng Card o kaugnay na Account 
na  ibinigay  sa  iyo,  pinatototohanan  mo  sa  Wells  Fargo  Bank,  N.A.  (sa  amin)  na:  (1) 
Natanggap mo at tinalakay ang Kasunduang ito sa iyong tagapagsaling-wika at ikaw 
at ang iyong tagapagsaling-wika ay nabigyan ng pagkakataong talakayin sa amin ang 
mga tuntunin at kundisyon na matatagpuan sa mga nakalakip na dokumentong ito; 
(2) Ang iyong tagapagsaling-wika ay hindi mas bata sa 18 taong gulang at lubos na 
marunong sa Ingles at sa wika na napili mo para talakayin sa amin ang mga tuntunin 
at kundisyon ng iyong Account, at hindi naka-empleyo sa o nakuha sa pamamagitan 
ng Mangangalakal (o “Merchant”); (3) Nauunawaan at sinasang-ayunan mo ang mga 
tuntunin  at  kundisyong  nakasaad  sa  mga  nakalakip  na  dokumentong  ito  ayon  sa 
nakasulat.
Notices 
IN NEW JERSEY: Certain provisions of this Agreement are subject to applicable law. As 
a result, they may be void, unenforceable or inapplicable in some jurisdictions. None 
of these provisions, however, is void, unenforceable or inapplicable in New Jersey.
IN OHIO: The Ohio laws against discrimination require that all creditors make credit 
equally  available  to  all  creditworthy  customers,  and  that  credit  reporting  agencies 
maintain separate credit histories on each individual upon request. The Ohio Civil Rights 
Commission administers compliance with this law.
IN WISCONSIN: If you are married, please contact us immediately at: 1-855-412-2787 
and provide us with the name and address of your spouse. We are required by law to 
inform your spouse that you have opened an account with us. Also, please note that 
no provision of a marital property agreement (including a Statutory Individual Property 
Agreement pursuant to Sec. 766.587, Wis. Stat.), unilateral statement classifying income 
from separate property under Sec. 766.59, or court decree under Sec. 766.70 adversely 
affects the creditor unless the creditor is furnished with a copy of the document prior 
to the credit transaction or has actual knowledge of its adverse provisions at the time 
the obligation is incurred.
THE MILITARY LENDING ACT NOTICE: Federal law provides important protections 
to  members  of  the  Armed  Forces  and  their  dependents  relating  to  extensions  of 
consumer credit. In general, the costs of consumer credit to a member of the Armed 
Forces and his or her spouse or 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). Please Note: 
There  are  NO  credit  insurance  premiums,  fees  for  ancillary  products,  or  application 
fees with this Account. 
You  may  contact  us  at  1-844-363-9971  for  information  about  the  Military  Annual 
Percentage Rate and a description of your payment obligation.  
The Arbitration Agreement does not apply to you if you are covered by the Military 
Lending Act nor do any provisions that waive any right to legal recourse under any 
state or federal law to the extent required by the Military Lending Act.

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:
Dillard’s Card Services / Wells Fargo Bank, N.A.
P.O. Box 522
Des Moines, IA 50306-0522
In your letter, give us the following information:
•  Account information: Your name and Account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you want to 

stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do 
we are not required to investigate any potential errors and you may have to pay the 
amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your 

letter. We will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain 

to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as delinquent on 

that amount.

•  The charge in question may remain on your statement, and we may continue to 

charge you interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

•  We can apply any unpaid amount against your credit limit.
After We Finish Our Investigation, One Of Two Things Will Happen
• 

If  we  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or  any 
interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount 
you owe and the date payment is due. We may then report you as delinquent if you 
do not pay the amount we think you owe.

• 

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell 
you the name of anyone to whom we reported you as delinquent, and we must let 
those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your 
credit card, and you have tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:
1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
your current mailing address, and the purchase price must have been more than 
$50.  (Note:  Neither  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:
Dillard’s Card Services / Wells Fargo Bank, N.A.
P.O. Box 522
Des Moines, IA 50306-0522
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.

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6102OA DILLARDS PL 0120Important Terms of Your Credit Card Account

Interest Rates and Interest Charges

DILLARD’S CREDIT CARD AGREEMENT

Annual Percentage Rate (APR) 
for Purchases

24.49% or 26.49%, based on your creditworthiness. This APR will vary with the market 
based on the U.S. Prime Rate.

How to Avoid Paying Interest 
on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Penalty Fees

•  Late Payment

None

Up to $37.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Agreement for 
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
How We Will Calculate Your Late Payment Fee: The fee will be the lesser of the Total Minimum Payment Due or $27.00. For any subsequent 
event within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $37.00.
How We Will Calculate Your Variable APRs: The APRs used to figure interest for purchases on your Account are figured by adding a margin 
of 19.74 to 21.74 percentage points to the U.S. Prime Rate for that Billing Cycle. This rate varies with the market based on the U.S. Prime Rate. 
See your Agreement for more details.
The information about the cost of credit described in this Agreement is accurate as of January 2020. This information may have changed 
after that date. To find out what may have changed, call us at 1-800-643-8278.
You may not qualify for the lowest APRs disclosed above. The APRs applicable to your Account will be determined by our review of 
your credit report, information you provide on your application, and other relevant information available to us.

ARBITRATION AGREEMENT
Binding Arbitration. You and Wells Fargo Bank, N.A. (the “Bank”), including the Bank’s assignees, agents, employees, officers, directors, shareholders, parent companies, 
subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand by either you or the Bank, the 
Dispute shall be resolved by the following arbitration process. However, the Bank shall not initiate an arbitration to collect a consumer debt, but reserves the right to arbitrate 
all other disputes with its consumer customers. A “Dispute” is any unresolved disagreement between you and the Bank. It includes any disagreement relating in any way to 
your Credit Card Account (“Account”) or related services. It includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes statutory, 
common law and equitable claims. A Dispute also includes any disagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement 
shall survive the payment or closure of your Account. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in 
a public court. As the sole exception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court’s 
jurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in 
compelling arbitration.
Arbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other proceeding 
has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others in any arbitration, or to include in 
any arbitration any dispute as a representative or member of a class, or to act in a private attorney general capacity. Each arbitration, including the selection of the 
arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank may mutually agree to (the AAA or such 
other mutually agreeable administrator to be referred to hereinafter as the “Arbitration Administrator”), according to the Commercial Arbitration Rules and the Supplemental 
Procedures for Consumer Related Disputes (“AAA Rules”). To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration 
Agreement shall control. Arbitrator(s) must be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter 
of the Dispute. No arbitrator or other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by a party 
required in the ordinary course of its business or by applicable law or regulation. You and the Bank (the “Parties”) agree that in this relationship: (1) The Parties are participating 
in transactions involving interstate commerce; and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act 
(Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of South Dakota. If any of the 
provisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is 
found to be illegal or unenforceable, that invalid provision shall not be severable and this entire Arbitration Agreement shall be unenforceable.
Rights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, foreclose or obtain 
possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive 
relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. Any statute of limitations applicable to any Dispute applies to any 
arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, amendment or expiration of the Account or any other relationship 
between you and the Bank.
Fees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please 
check with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you opened your Account 
limits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. Unless inconsistent with applicable law, 
each of us shall bear the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration.
Military Lending Act. The Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any right to legal 
recourse under any state or federal law to the extent required by the Military Lending Act. Please see The Military Lending Act Notice in the Agreement for more information.

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6102OA DILLARDS PL 0120