Ally CashBack 
Credit Card Agreement 

1. INTRODUCTION.  Your  Ally  CashBack  Credit  Card  account  (“Account”)  is  subject  to  this  Credit  Card
Agreement,  including  the  Interest  Rate  and  Fee  Schedule  we  send  with  your  credit  card(s)  (“Card”)  when  we 
open an Account for you. This Credit Card Agreement, the Interest Rate and Fee Schedule and the application or 
solicitation  you  submitted  for  this  Account  are  all  a  part  of  and  collectively  referred  to  as  the  “Agreement.” 
Please read  and  keep  this  Agreement for  your records.    TD  Bank,  NA. issues and  services the  Ally  CashBack 
Credit Card.  

You, your and yours mean each person who applied for the Account and the person to whom we direct billing 
statements  (“Statements”).  We,  us,  our  and  TD  Bank  or  Bank  mean  TD  Bank,  N.A.,  a  national  bank  with  its 
main  office  located  in  Delaware  and  its  successors  and  assigns.  Authorized  User  means  any  other  person  to 
whom you give permission to use your Account.   

A.  Account  Use  and  Acceptance.  By  accepting  your  Card  and  using  or  maintaining  your  Account,  or  letting 
someone else use your Card or your Account, you agree to all of the terms of this Agreement. You acknowledge 
that you received a copy of this Agreement. Your signature on your application or solicitation for this Account, 
including  without  limitation any  electronic  signature  or  oral acceptance of a  telephone  offer,  your  Card or  any 
Account-related document represents your signature on this Agreement. 

You  agree  that  you  and  each  Authorized  User  will  not  use  your  Card  or  Account  for  any  unlawful  or 
illegal  purposes.    Such  transactions  include,  but  are  not  limited  to,  online  gambling  transactions,  the 
purchase of lottery tickets or casino chips or off-track betting and wagering. We reserve the right to block 
all such transactions. If any such charge or transaction is approved and processed, you will still be liable 
for the charge.  

B.  Promise  to  Pay.  You  promise  to  pay  us  for  all  Purchases,  Balance  Transfers  and  Cash  Advances  resulting 
from  the  use  of  your  Card  or  Account,  plus  interest  charges  and  all  other  fees  and  charges  owed  under  this 
Agreement (including without limitation all Purchases and Cash Advances made by an Authorized User). 

2. GOVERNING  LAW. Applicable federal law and the substantive laws of the State of Delaware (to the
extent not preempted by federal law) without regard to principles of conflicts of law or choice of law shall 
govern  this  Agreement.  To  the  extent  any  court  determines  that  this  Agreement  is  subject  to  Maryland 
law concerning credit, you and TD Bank agree that your Account is governed by Title 12, Subtitle 9 of the 
Commercial Law Article of the Annotated Code of Maryland, except as preempted by federal law. 

3. USING YOUR ACCOUNT

A. Credit Limit. 

1. General. Your initial credit limit is shown in the materials we send with your Card when we open an Account
for  you.  Your  current  credit  limit  will  be  shown  on  each  Statement.  You  also  may  go  online  to 
ally.com/ccservicing or call Customer Service at 1-888-916-2559 for your current credit limit. You agree to not 
go over your credit limit. We may permit you to go over your credit limit, but we are not required to do so. If 
your Account goes over your credit limit, you agree to pay the overlimit amount when it is billed or sooner upon 
our request. 

2. Limit for Cash Advances. We may set a credit limit for the total dollar amount of cash advances that may be
outstanding from time to time that is lower than the overall credit limit for your Account. 

3. Changes to Credit Limit. In our discretion, at any time, we may change any credit limit that applies to your
Account.  We  will  notify  you  if  we  change  any  credit  limit.  You  may  ask  us  to  change  your  credit  limit  by 
contacting  Credit  Card  Servicing  at  P.O.  Box  84037,  Columbus,  GA  31908-4037,  by  first  class  mail,  postage 
prepaid, or by telephoning Customer Service at 1-888-916-2559. We do not have to agree to any such request.   

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B. Types of Transactions. 

1. Purchases. You may use your Card to pay for the purchase or lease of goods or services wherever your Card 
is honored. If you use your Card to purchase or lease goods or services by telephone, mail or internet, you agree 
that your signature is not necessary as identification in such cases.  

2.  Cash  Advances.  You  may  use  your  Card  to  obtain  cash  advances  wherever  your  Card  is  honored  for  cash 
advances. Cash Advances obtained from a financial institution, an automated teller machine, or any other party 
that  agrees  to  honor  the  credit  card  for  cash  advance  purposes,  and  all  Convenience  Checks  (including 
Convenience  Checks  used  to  transfer  balances)  posted  to  your  account  are  considered  Cash  Advances.  For 
example,  your  Card  may  be  used  to  obtain  cash  advances  at  ATMs  displaying  the  VISA  logo  and  from 
participating  financial  institutions  honoring  VISA  credit  cards.  You  may  be  required  to  sign  a  special  form 
and/or provide your personal identification number (PIN). Please select a PIN that is not easily identifiable and 
does  not consist  of one single  number (for example, "1111")  or  consecutive  numbers. PINs should  also not  be 
based on or include your birth date, sip code or Account number. Do not write your PIN on your Card and do 
not keep your PIN with or near your Card or any Access Device.  See the Interest Rate and Fee Schedule on the 
card mailer for Cash Advance fee details. The amount of the Cash Advance transaction fee will be added to your 
minimum monthly payment and is due by the payment due date indicated on your monthly billing statement. 

3. Balance Transfers. We may allow you to transfer balances from other credit card accounts with third parties 
(but not us or our affiliates) to your Account. We may limit the number and types of credit card accounts from 
which  we  will  allow  you  to  transfer  balances  and  the  times,  amounts,  manner  and  circumstances  in  which 
Balance Transfers may be requested. The minimum Balance Transfer amount is $250 (plus the Balance Transfer 
Transaction Fee).  See the Interest Rate and Fee Schedule on the card mailer for Balance Transfer fee details.  

Introductory  or  Promotional  APRs  on  Balance  Transfers:  We  may  from  time  to  time  make  available 
certain  promotional  Annual  Percentages  Rate  (APRs)  on  balance  transfer  transactions.  See  section  4  – 
Interest Charges, subsection C for details on how to avoid paying interest if you take advantage of a 0% 
Introductory  or  Promotional  Annual  Percentage  Rate  (APR)  Balance  Transfer  offer  and  then  you  use 
your Account to make new Purchases. 

4.  Access  Devices.  We  may  from  time  to  time  issue  additional  Account  access  devices  (“Access  Devices”). 
Access Devices may include, for example, special checks you may use to obtain cash advances or oral offers or 
written  forms  by  which  you  may  request  balance  transfers.  Each  Access  Device  must  be  in  the  form  we  issue 
and must be used according to the instructions we give you. We may refuse to process Access Devices received 
after any applicable expiration date. We will not return paid Access Devices to you. Access Devices may not be 
used to pay any amount owed to us or our affiliates. We will not certify any Access Device. You may not post-
date any Access Device. We may refuse to process a post-dated Access Device or process it before the date on 
the Access Device. 

5.  Foreign  Transactions.  If  you  use your  Account to make  a  purchase  or  cash  advance  in  a  foreign currency, 
the  transaction  will  be  converted  to  U.S.  Dollars  based  on  a  rate  selected  by  VISA  U.S.A.  Inc.  (or  any  of  its 
affiliates) from the range of rates available in wholesale currency markets for the applicable central processing 
date (which may vary from the rate VISA U.S.A. Inc. itself receives) or the government-mandated rate in effect 
for the applicable central processing date. The currency conversion rate used by VISA U.S.A. Inc. (or any of its 
affiliates) on the currency conversion date may differ from the exchange rate in effect on the day you made the 
transaction or on the day the transaction is posted to your Account. 

C.  Stop  Payment.  If  you  want  us  to  stop  payment  on  an  Access  Device,  notify  Credit  Card  Servicing 
immediately at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or call us at 1-
888-916-2559.    If  you  call,  you  must  confirm  your  request  in  writing  within  14  days.  A  written  stop  payment 
request will remain in effect for six months unless renewed in writing. Call or write us with your stop payment 
request  as  soon  as  possible  after  you  have  submitted  the  Access  Device  and  give  us  information  about  the 
Access Device to help us identify it. 

If you ask us to stop payment, we will make reasonable efforts not to pay that Access Device. However, if we 
pay  that  Access  Device  despite  these  efforts,  we  will  not  be  liable  to  you  for  paying  that  Access  Device.  We 
may not be able to stop payment if you call or write us after we have started processing the Access Device. A 
Stop Payment Fee may apply. 

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D. Refusal to Honor Your Card or Access Device. A merchant, business or financial institution may refuse to 
honor  your  Card  or  Access  Device.  You  and  each  Authorized  User  agree  that  you  have  no  legal  claims  or 
damages against us or anyone else if your use of your Account is denied by any merchant, business or financial 
institution. 

E. Statements. 

1. General. At the end of  each monthly billing cycle (“Billing Cycle”), if there was activity on your Account, 
we  will  send  you  a  Statement  showing  what you  owe (the  “New  Balance”) as  of the  end  of the  Billing  Cycle. 
The Statement will show any interest charges you owe, the minimum payment due, the payment due date, your 
current  credit  limit,  an  itemized  list  of  fees,  charges,  payments  and  credits  posted  to  your  Account  during  the 
Billing Cycle and other important information. We will mail or deliver the Statement to the address we have on 
file for your Account.  

2. Change of Address. You must notify us promptly of any change in your address by contacting Credit Card 
Servicing at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid, or by calling us 
at 1-888-916-2559. We may accept mailing address corrections from the United States Postal Service. You may 
also update your address online via ally.com/ccservicing. Until we receive process and verify your new address, 
we  will  continue  to  send  Statements  and  other  notices  to  the  last  address  we  have  on  file  for  your  Account 
(which may be a correction from the United States Postal Service).  

F. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your 
Account longer than  six  consecutive  Billing  Cycles (or, in  our  discretion,  for a shorter  time  period).  You  may 
also  request  a  refund  of  a  credit  balance  on  your  Account  at  any  time  by  sending  your  request  to  Credit  Card 
Servicing at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage prepaid. We may reduce 
the amount of any credit balance on your Account by applying the credit balance towards new fees and charges 
posted to your Account. We do not pay any interest on credit balances.  

G.  Payments.  You  may  at  any  time  pay  off  the  full  unpaid  balance  or  part  of  the  unpaid  balance  under  this 
Agreement. 

1.  Minimum  Payment.  If  you  have  an  outstanding  balance,  we  must  receive  your  minimum  payment  as  set 
forth in section 2 "Making Payments" below. The minimum payment will be the greater of: 

(i) 

$35, or  

(ii) 

One percent (1%) of the New Balance plus: 

(a) 

(b) 

(c) 

The periodic interest charges for the Billing Cycle; plus 

The  full  amount  of  any  transaction  fees  (such  as  Cash  Advance,  Balance 
Transfer and Foreign Transaction Fees) owed for the Billing Cycle; plus 

The  full  amount  of  any  Annual  Membership  Fee,  Late  Payment  Fee  or  other 
applicable fees owed.  

In addition, any past due minimum payment amounts will be added to your current minimum payment due. 

If your New Balance is less than $35, your minimum payment will equal your New Balance.   

Credits,  adjustments,  refunds,  prepayments  and  similar  Account  transactions  may  not  be  used  in  place  of 
payment  of  any  portion  of  a  required  minimum  payment.  You  may  pay  more  than  the  minimum  payment  due 
(this  is  a  prepayment)  without  any  penalty.  The  sooner  you  pay  the  New  Balance,  the  less  you  will  pay  in 
interest charges. A prepayment in one Billing Cycle will not excuse you from paying the minimum payment due 
in the next Billing Cycle.  

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2. Making Payments. Payments may be made by mail, online, or over the phone.  All payments must be in U.S. 
dollars and, if applicable, drawn on a U.S. bank. Business Day is defined as Monday through Friday, excluding 
federal holidays. 

a.  By  Mail.  Send  a  check  or  money  order  to  the  payment  address  shown  on  your  Statement  with  the 
payment stub from your Statement. Do not mail any cash payments. A properly addressed payment with 
the  payment  stub  will  be  credited  to  your  Account  as  of  the  date  received  if  we  receive  it  by  5  p.m. 
Eastern Time on a Business Day. A properly addressed payment with the payment stub received after 5 
p.m. Eastern Time or on a day that is not a Business Day will be credited to your Account as of the next 
Business  Day.  You  agree  to  not  give  us  any  post-dated  check  as  payment  on  your  Account.  If  the 
payment due date falls on a day on which we do not receive or accept payments, the payment will not be 
treated as late if received the next Business Day.  

b. Online. You may pay online by logging into ally.com/ccservicing. A payment made online through 
ally.com/ccservicing will be credited to your Account as of the date received if we receive it by 5 p.m. 
Eastern Time on a Business Day. Online payments received after 5 p.m. Eastern Time or on a day that is 
not a Business Day will be credited to your Account as of the next Business Day.  This section does not 
apply if you make your payment online using your online bill payment service.  For this section to apply 
your payment must be made through either ally.com/ccservicing or  

c.  By  Phone.  You  may  pay  by  phone  by  calling  1-888-916-2559.  A  payment  made  by  phone  will  be 
credited to your Account as of the date received if we receive it by 5 p.m. Eastern Time on a Business 
Day. Phone payments received after 5 p.m. Eastern Time or on a day that is not a Business Day will be 
credited to your Account as of the next Business Day.  From time to time, we may allow you to expedite 
a single payment to your Account from a designated bank account of yours by telephone. 

d.  Delay  in  Crediting  and  Available  Credit.  We  may  reject  or  delay  crediting  payments  that  do  not 
follow  the  instructions  above.  For  example,  there  may  be  a  delay  of  up  to  five  days  in  crediting  a 
payment by mail if it is received at an address other than the address we specify for payments on your 
Statement or if it is received without the required payment stub. Your available credit limit(s) may not 
reflect the payment for up to 15 days after we have credited a payment to your Account.   

3. Application of Payments.  

a. Generally.  We will generally apply your minimum payment in the following order: 
(i) 
(ii) 

to Interest Charges and other fees; 
to  transactions  (Purchases,  Balance  Transfers,  Cash  Advances)  with  the  lowest  Daily  Periodic 
Rates and corresponding APRs; 
to transactions with the highest Daily Periodic Rates and corresponding APRs. 

(iii) 

b.  Application  of  Payments  in  Excess  of  Minimum  Payment.    We  will  generally  apply  your 
payments and credits in excess of the minimum payment in the following order: 
(i) 

to transactions (Purchases, Balance Transfers, Cash Advances) with the highest Daily Periodic 
Rates and corresponding APRs; 
to transactions with the lowest Daily Periodic Rates and corresponding APRs.  

(ii) 

4.  Payments  Marked  “Paid  in  Full”.    Any  check,  money  order  or  other  instrument  sent  in  payment  on  your 
Account  marked  with  “paid  in  full”  or  similar  notation  to  settle  a  debt  on  your  Account  that  is  reasonably  in 
dispute  (and  any  accompanying  letter  or  other  instructions)  must  be  sent  to  Credit  Card  Servicing  P.O.  Box 
16027,  Lewiston,  ME    04243-9513.  If  such  payment  is  sent  to  any  other  address,  you  agree  that  (i)  we  may 
ignore  any special  notations  or  instructions  on or  with the  payment and  (ii)  our  crediting  any such payment  to 
your Account does not mean that we have agreed to any special notations or instructions on or with the payment. 

5.  Automatic  Payments. We  may  allow you  to  repay amounts  owed  under this Agreement  through  automatic 
payments from a savings or checking account. We may terminate our permission to make automatic payments at 
any  time.  If  we  allow  automatic  payments,  no  automatic  payment  will  occur  unless  the  savings  or  checking 
account  has  sufficient  collected  funds  in  it  on  the  Business  Day  before  the  payment  due  date  to  cover  the  full 
amount  of  the  minimum  payment  due  (or  any  larger  monthly  payment  you  and  we  may  agree  to  from  time  to 

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time).  If  an automatic payment  does  not  occur  for  any reason, you  still  must pay the  minimum  payment  and a 
Late Payment Fee may apply. 

If you have authorized us to pay your credit card bill automatically from your checking or savings account with 
us,  you  can  stop  the  payment  on  any  amount  you  think  is  wrong.  To  stop  the  payment,  write  to:  Credit  Card 
Servicing,  P.O.  Box  84037,  Columbus,  GA  31908-4037  or  call  1-888-916-2559.    To  stop  the  payment,  your 
letter or telephone call must reach us three Business Days before the automatic payment is scheduled to occur.  

6.  Electronic  Check  Conversion.  When  you  send  a  check  as  payment,  you  authorize  us  either  to  use 
information  from  your  check  to  make  a  one-time  electronic  fund  transfer  from  your  bank  account  or  (at  our 
option)  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  bank  account  on  the  same  day  we  receive  your 
payment,  and  you  will  not  receive  your  check  back  from  your  financial  institution.  If  we  cannot  process  the 
electronic fund transfer, or if it is returned to us, you authorize us to reinitiate the electronic fund transfer from 
your bank account. Alternatively, we may (at our option) present the original check, a substitute check, draft or 
similar negotiable instrument to  obtain payment. If  you have  questions  about  electronic  check conversion,  you 
may telephone us at 1-888-916-2559. 

H. Additional Cards and Authorized Users. 

1.  Additional  Cards.  You  may  request  additional  Cards  and  permit  Authorized  Users  to  have  access  to  your 
Card or Account. You will be liable for all Account transactions made and all fees incurred by those Authorized 
Users (including without limitation interest charges). We may limit the total number of Cards and other Access 
Devices issued. 

2.  Revoking  Authorized  User’s  Authority.  To  revoke  your  permission  for  any  person  you  previously 
authorized to use your Card or Account, notify Credit Card Servicing at P.O. Box 84037, Columbus, GA 31908-
4037, by first class mail, postage prepaid, or call us at 1-888-916-2559. We reserve the right not to discontinue 
any Authorized User’s ability to use your Account until we have received the Authorized User’s Card and any 
unused Access Devices in the possession or control of the Authorized User (cut, torn, or otherwise deliberately 
damaged to prevent unauthorized use by third parties). You agree to send the Authorized User’s Card and any 
Access Devices to Credit Card Servicing, P.O. Box 84037, Columbus, GA 31908-4037 upon our request. You 
will  remain  responsible  for  all  Account  transactions  by  Authorized  Users  until  we  discontinue  the  Authorized 
User’s authority to use your Account. 

If  you  ask  us  to  revoke  an  Authorized  User’s  ability  to  use  your  Account,  you  agree  that  we  will  close  the 
affected card(s) only to new transactions.  Your Account number will not change. If we do this, you must notify 
anyone you have authorized to submit and post charges to your Account using the affected card.   

I.  Lost  or  Stolen  Cards,  Account  Numbers  or  Access  Devices.  If  any  Card,  Account  number  or  Access 
Device is lost or stolen, or if you think someone used or may use them without your permission, notify us AT 
ONCE by calling 1-888-916-2559. You agree that we may close your Account to new transactions, change your 
Account number(s) and issue you a new Card(s) and new Access Devices with different Account number(s) if 
we have been notified of the possible loss, theft or unauthorized use. If we do this, you must notify anyone you 
have authorized to submit and post charges to your Account of your new Account number(s). Do not use your 
Card, Account number or Access Device after you notify us, even if your Card or other Access Device is later 
found or returned. 

Under  VISA  U.S.A.’s  “Zero  Liability  Policy”  you  may  not  be  liable  for  the  unauthorized  use  of  your 
Account or Card that results in a fraudulent transaction made over the VISA network. To be eligible, you 
must  notify  us  immediately  of  any  unauthorized  use  of  your  Account  or  Card.  We  will  provisionally 
credit you for losses from the unauthorized Card use within five Business Days of your notification to us 
of  the  loss.  The  VISA  Zero  Liability  Policy  does  not  apply  to  transactions  made  at  an  ATM  or  to  any 
transactions  made  using  your  PIN  that  are  not  processed  by  VISA.  We  may  impose  greater  liability,  or 
withhold,  delay,  limit  or  rescind  any  provisional  credit  that  we  provide  to  you  under  the  Zero  Liability 
Policy, based on factors such as your gross negligence or fraud, your delay in reporting unauthorized use, 
our investigation and verification of your claim, your Account standing and history and other factors. If 
you are  not  eligible for the  VISA  Zero  Liability  Policy  or  it  otherwise  does not  apply, you  may  be liable 
for  unauthorized  use  of  your  Account,  but  not  for  more  than  $50.  You  won’t  be  liable  for  any 

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unauthorized  use  of  your  Account  that  occurs  after  you  notify  us  of  the  loss,  theft  or  possible 
unauthorized  use  of  your  Card,  Account  number  or  Access  Device.  We  may  require  you  to  provide 
certain  information  in  writing  to  help  us  find  out  what  happened.  You  also  must  identify  for  us  any 
charges on your Statement that were not made by you or someone authorized by you and from which you 
received no benefit.  

4.  INTEREST CHARGES  

A.  Annual  Percentage  Rates.  Annual  Percentage  Rate  or  APR  means  the  annual  rate  of  interest  charged  on 
Account balances. The APRs and corresponding Daily Periodic Rates for your Account are listed in the Interest 
Rate  and  Fee  Schedule.  To  get  the  Daily  Periodic  Rate,  we  divide  the  APR  by  365  and  round  at  the  seventh 
place  after  the  decimal  point.  We  may  charge  different  Daily  Periodic  Rates  and  APRs  on  different  Account 
transactions (such as Purchases, Cash Advances and Balance Transfers) or during special promotional periods.  

B. Variable Rates. Your APRs are subject to change each Billing Cycle and are determined each Billing Cycle 
by  adding  the  Margins  listed  in  the  Interest  Rate  and  Fee  Schedule  to  the  Index.  The  Index  is  the  Prime  Rate 
(U.S.) published in the Money Rates section of The Wall Street Journal. Your APRs may increase if the Index 
increases. If any APR increases, the amount of interest charged and your minimum payment may increase. Any 
change in the APRs will take effect on the first day of the month in which a change to the Index occurs. When a 
range of rates has been published on the day we calculate the APR, the highest of the rates will be used.  If this 
Index is no longer available we will select a new one. The maximum rate for any variable APR is the applicable 
Margin plus the Index. 

C.  Introductory  or  Promotional  APR.  We  may  offer  you  an  introductory  or  promotional  APR  for  specific 
Account transactions,  such as  balance  transfers.  Any  introductory  or  promotional  APR  offer  will be  subject to 
the terms of the offer and this Agreement. Upon the expiration of an introductory or promotional APR, the rate 
will  return  to  the  rate  for  the  specified  type  of  transaction(s)  as  stated  in  this  Agreement.    See  Section  4  – 
Interest  Charges,  subsection  D  for  details  on  how  to  avoid  paying  interest  on  new  purchases  if  you  take 
advantage of a 0% introductory or promotional APR Balance Transfer offer.  

D. When Interest  Charges Begin. Your due date is at least 25 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 Billing Cycle.  
We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.  There is no 
time  period  in  which  you  may  repay  a  Cash  Advance  or  Balance  Transfer  and  avoid  imposition  of  an  interest 
charge.  If  you  have  a  balance  transfer  balance  on  your  Account  that  is  subject  to  a  0%  introductory  or 
promotional  APR  we  will  not  charge  you  interest  on  new  purchases  during  the  term  of  the  introductory  or 
promotional  offer  if  you  pay  by  the  payment  due  date  of  each  Billing  Cycle  the  amount  shown  within  the 
'Payment  Information"  box  titled  "Payment  to  Avoid  Purchase  Interest".  We  calculate  the  amount  by  adding  : 
(1) your Minimum Payment Due; plus (2) the total outstanding purchase balance; plus (3) the total outstanding 
cash advance balance; plus (4) the total amount of outstanding balance transfer balances that are not subject to 
the  0%  introductory  or  promotional  APR;  plus  (5)    any  fees  that  had  been  assessed  to  the  Account.  The 
"Payment to Avoid Purchase Interest" will never be less than the minimum due. 

E. Balance Calculation Method (Average Daily Balance Method (Including Current Transactions). In any 
Billing  Cycle  in  which  you  owe  interest,  we  will  charge  interest  on  your  balances  of  Purchases,  Balance 
Transfers  and  Cash  Advances  at  the  applicable  Daily  Periodic  Rates.  We  figure  the  interest  charge  on  your 
Account by applying the periodic rate to the “average daily balance” of your Account. To get the “average daily 
balance”,  we  take  the  beginning  balance  of  your  Account  each  day,  add  any  new  transactions  and  fees  and 
subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the 
Billing Cycle and divide the total by the number of days in the Billing Cycle. This gives us the “average daily 
balance”. We compound (charge interest on) unpaid interest charges and unpaid fees. 

F. Minimum Interest Charge. If the total interest charges on your Account for a Billing Cycle are greater than 
zero but less than $1, the interest charge for that Billing Cycle will be $1.  

5. FEES. You agree to pay the fees described below whenever applicable.  

A. Annual Membership Fee. None 

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B. Cash Advance and Balance Transfer Transaction Fees.  

1.  Cash  Advance  and  Balance  Transfer  Transaction  Fees.  We  will  charge  a  transaction  fee  on  each  cash 
advance and balance transfer you obtain in the amounts shown in the Interest Rate and Fee Schedule. 

2. Foreign Transaction Fee.  If your Account has a Foreign Transaction Fee, we may impose a fee equal to a 
certain  percentage  of  the  U.S.  Dollar  amount  of  a  foreign  transaction  as  shown  in  the  Interest  Rate  and  Fee 
Schedule.   

C. Late Payment Fee. The first time we do not receive a required minimum payment when due, we may charge 
a Late Payment Fee of the minimum payment due or $25, whichever is less.  If over the next six Billing Cycles, 
the minimum payment is not received when due, we may charge a Late Payment Fee of the minimum payment 
due or $35, whichever is less.  

D. Other Fees. We may also charge the following fees, subject to any restrictions of applicable law. 

1. Copy Fees. We may charge you a fee of up to $7 for each copy of a Statement or sales draft you request or up 
to $5 for each copy of a payment check or written Access Device you request. However, we will not charge you 
for  copies  of  documents  that  you  request  in  connection  with  a  billing  error/inquiry  you  may  assert  against  us 
under applicable law.  

2. Emergency Replacement Card Fee. If you request a replacement Card on an expedited basis (for example, 
to replace a lost or stolen Card), we may charge you an Emergency Replacement Card Fee of up to $25. 

3. Stop Payment Fee. If you ask us to stop payment on an Access Device, we may charge you a Stop Payment 
Fee of $39. 

6.  DEFAULT 

A.  Events  of  Default.    Subject  to  restrictions  of  applicable  law,  you  will  be  in  default  and  we  will  not  be 
obligated to honor any attempted use of your Account (even if we do not give you advance notice) if any of the 
following events occurs: 

•  We do not receive any payment required by this Agreement when such payment is due. 
•  You exceed any credit limit. 
•  You are unwilling or unable to pay what you owe under this Agreement, for any reason.   
•  You die, become insolvent, file for bankruptcy or otherwise become the subject of a bankruptcy petition 

or filing. 

•  You give us false or misleading information at any time in connection with your Account. 
•  You send us more than one check or similar instrument that is returned to us unpaid or any automatic, 
electronic or other payment on your Account cannot be processed or is returned unpaid, for any reason, 
within the last six Billing Cycles. 

•  You breach or otherwise fail to comply with any term or condition of this Agreement. 
•  We  have  reason  to  suspect  that  you  or  any  Authorized  User  may  have  engaged  or  participated  in  any 
unusual,  suspicious,  fraudulent  or  illegal  activity  on  your  Account  or  any  other  account  or  loan  you 
have with us or our affiliates. 

•  You  do  not  give  us  any  updating  information  about  your  finances,  employment  or  any  other 

information we may reasonably request, promptly after our request. 

B. Our Rights After Default. In the event of default, we may close your Account, require you to pay the unpaid 
balance in full or take any other action permitted by applicable law. 

C. Collection Costs. If we refer any past due amounts you owe under this Agreement to a collection agency or 
lawyer  for  collection,  you  agree  to  pay  us  our  reasonable  costs  of  collection,  including  without  limitation 
collection agency fees, court costs and attorneys’ fees actually incurred by us, to the fullest extent permitted by 
applicable law. 

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7. CLOSING YOUR ACCOUNT 
A. We May Close Your Account.  Except where prohibited by applicable law, we may close your Account to 
new transactions at any time, for any reason including Account inactivity and/or lack of credit card usage for an 
extended period of time, and without prior notice.  

B. You May Ask Us to Close Your Account. You may ask us to close your Account to new transactions at any 
time by notifying Credit Card Servicing in writing at P.O. Box 84037, Columbus, GA 31908-4037, by first class 
mail,  postage  prepaid,  or  contacting  us  at1-888-916-2559.  If  you  request  to  close  your  Account  by  phone,  we 
may require a written notice from you.  

C.  After  Your  Account  is  Closed.  After  your  Account  is  closed,  you  still  must  pay  us  any  unpaid  amounts 
under this Agreement. We will not be liable to you for any consequences resulting from closing your Account. 
You  agree  to  cut,  tear  or  otherwise  deliberately  damage  all  Cards  and  unused  Access  Devices  in  your  or  any 
Authorized  User’s  possession  or  control  to  prevent  unauthorized  use  by  third  parties  and,  upon  our  request, 
return such Cards or Access Devices to us at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, 
postage prepaid. 

8. CHANGING THIS AGREEMENT. We may change this Agreement, including (for example) changing the 
addresses  and  telephone  numbers  you  should  use  to  contact  us,  changing  fees,  adding  new  fees,  changing  the 
Daily Periodic Rates and corresponding APRs or increasing your required minimum payment. We may change 
this  Agreement  based  on  economic  or  market  conditions,  our  business  strategies  or  for  any  other  reason 
(including  reasons  unrelated  to  you  or  your  Account).  Any  changes  we  make  to  this  Agreement  may  apply  to 
new transactions and/or then-existing balances as described in any notice we are required to provide to you. We 
will notify you of changes to this Agreement as required by applicable law. We will mail any required written 
notice to the address we have on file for your Account. 

9. INFORMATION SHARING 

A. Credit Information. We may review your credit history by obtaining information from consumer reporting 
agencies and others. We  may report information about your  Account to credit  bureaus.  Late payments,  missed 
payments  or  other  defaults  on  your  Account  may  be  reflected  in  your  credit  report.  We  may  report  Account 
information on Authorized Users. 

B. How to Dispute Reports Regarding Your Account. If you think the information we furnished to consumer 
reporting agencies on your Account is not accurate please write to us at: P.O. Box 84037, Columbus, GA 31908-
4037. With your letter, please provide us with: 

•  Your name, address and telephone number;  
•  The Account number(s) for the Account(s) you are disputing;  
•  A  description  of  the  specific  information  you  are  disputing  and  an  explanation  of  the  basis  for  your 

dispute; and  

•  Copies of documents that support your dispute. These could include (but are not limited to): a copy of 
your consumer report showing the information that you are disputing, your Statements, a court order or 
(if applicable) a copy of a police report or fraud or identity theft affidavit. 

If you fail to provide  us  with the information listed  above,  we  may  be  unable to  investigate  your dispute.  We 
will  notify  you  of  the  results  of  our  investigation  within  30  days  of  receiving  your  dispute.  A  delay  may  be 
experienced  if  the  dispute  is  not  mailed  to  the  address  above.  We  may  take  up  to  45  days  to  investigate  your 
dispute if, after providing us with your initial notice of dispute, you provide us with additional information that 
is relevant to our investigation. If our investigation finds that the information you are disputing was inaccurate, 
we will notify the consumer reporting agency of our determination and provide the consumer reporting agency 
with the information necessary to correct the inaccuracy.  

We  will  have  no  duty  to  investigate  disputes  that  are  substantially  similar  to  a  prior  dispute  that  we  have 
responded  to,  or  that  relate  to  your  identifying  information  (such  as  your  name,  date  of  birth,  Social  Security 
number,  telephone  number  or  address),  inquiries  appearing  on  your  consumer  report,  information  from  public 
records  (such  as  judgments,  liens,  or  bankruptcies,  unless  these  matters  relate  to  your  Account(s)  with  us), 
information  related  to  fraud  or  active  duty  alerts  on  your  report,  or  information  provided  to  the  consumer 
reporting  agency  from  someone  other  than  us.  We  will  also  have  no  duty  to  investigate  your  dispute  if  we 
reasonably believe it was submitted or prepared by (or if you submitted it on a form provided by) a credit repair 

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organization. If we determine that we will not investigate your dispute for one of these (or some other) reasons 
we will notify you of that determination within five Business Days. 

C.  Telephone  Monitoring  and  Recording.  You  consent  to  and  authorize  us  and  any  of  our  affiliates,  agents 
and marketing associates to monitor and/or record any of your telephone conversations with any of our or their 
representatives for quality control, training and other lawful purposes. 

D.  Telephone  Numbers.    When  you  give  us  your  mobile  phone  number,  we  have  your  permission  to  contact 
you  at  that  number  about  all  of  your  Ally  CashBack  Credit  Card  account.   Your  consent  allows  us  to  use  text 
messaging,  artificial  or  pre-recorded  voice  messages  and  automatic  dialing  technology  for  informational  and 
account service calls, but not for telemarketing or sales calls. It may include contact from companies working on 
our behalf to service your accounts.  Message and data rates may apply.  You may contact us anytime to change 
these preferences. 

E. Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined 
in benefits brochures or other documents and internet web sites. For example, certain eligible purchases charged 
with a VISA® Card may be eligible for certain benefits or services through VISA U.S.A. Inc. (or its affiliates). 
Any  benefits  or  services  we  make  available  through  third  parties  (including  without  limitation  VISA  U.S.A. 
Inc.)  are  not  a  part  of  this  Agreement,  but  are  subject  to  the  terms  and  restrictions  outlined  in  the  applicable 
benefits brochures or other documents or internet web sites provided or made available to you from time to time. 
You agree that we may give information about you, any Authorized User, and your Account, to any third party 
reasonably needing the information to provide you with such benefits or services. You also agree that we or any 
third party providing any Account-related benefits or services may change, add, or delete benefits or services at 
any time without notice.  

10. MISCELLANEOUS 

A. Certain Waivers. You waive the right of “presentment” and “notice of dishonor.” “Presentment” means the 
right to  require  us  to  demand  payment  of  amounts  due  under  this  Agreement.  “Notice  of dishonor”  means the 
right  to  require  us  to  give  notice  to  other  persons  that  amounts  due  under  this  Agreement  have  not  been  paid. 
You also waive demand for payment, protest, notice of protest and all other notices and demands, to the fullest 
extent permitted by applicable law. 

B. Assignment. We may assign your Account and our rights under this Agreement to our affiliates or to some 
other  financial  institution  or  company  without  advance  notice  to  you.  That  entity  will  take  our  place  in  this 
Agreement if we do this. You may not assign or transfer your Account or any of your responsibilities under this 
Agreement to any other person. 

C. No Security. Your Account is unsecured. We are not taking a security interest in any property in connection 
with your Account.  

D.  Evidence.  You  agree  that  we  may  use  a  copy,  microfilm,  microfiche  or  digital  image  of  any  Statement  or 
other  document to  prove  what  you owe  us  and  that the copy,  microfilm,  microfiche  or digital image  will  have 
the same validity as the original.  

E.  Captions  and Interpretation. The captions  used in  this  Agreement  are  for convenience  only.  They  do  not 
affect the meaning of the paragraphs in this Agreement.  

F. Severability. If any part of this Agreement is held to be invalid, the rest will remain in effect. 

G.  Delay in Enforcement/No Waiver. We may delay or waive enforcing any of our rights or remedies under 
this  Agreement  or  under  applicable  law  without  losing  any  of  those  rights  or  remedies.  Even  if  we  do  not 
enforce our rights or remedies at any one time, we may enforce them at a later time.  

H.  Entire  Agreement.  The  Agreement  is  the  entire  agreement  between  you  and  us  relating  to  your  Account. 
The  Agreement  replaces  any  other  agreement  relating  to  your  Account  that  you  and  we  made  earlier  or  at  the 
same  time.  In  the  event  of  a  conflict  between  this  Personal  Credit  Card  Agreement  and  any  other  document 
(including the other documents that are collectively called the Agreement), this Personal Credit Card Agreement 
will control unless otherwise expressly provided in the other document. 

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NJ  RESIDENTS:  Because  certain  provisions  of  this  Agreement  are  subject  to  applicable  laws,  they  may  be 
void,  unenforceable  or  inapplicable  in  some  jurisdictions.  None  of  these  provisions,  however,  is  void, 
unenforceable or inapplicable in New Jersey. 

Cardholder:  Your  name,  address  and  signature  (including  any  electronic  or  digital  signature)  and  the  date  on 
any application or solicitation or on any sales slip or other evidence of indebtedness on your Account represents 
your name, address and signature and the date on this Agreement. 

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 bill, write to us at: 
Credit Card Servicing 
P.O. Box 84037 
Columbus, GA 31908-4037 
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 bill. 
•  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  bill,  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 $50.00 of the amount you question 
even if your bill is correct. 

 F03-W-533-5-0118 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 a 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 $50.00.  (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: 
Credit Card Servicing 
P.O. Box 84037 
Columbus, GA 31908-4037 

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. 

Active  Duty  Service Members  and  Dependents:  The  following important notice applies if  you  are  an  active 
duty service member or a dependent of one at the time you request an Account. Federal law provides important 
protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In 
general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed 
an  annual  percentage  rate  of  36  percent.  This  rate  must  include,  as  applicable  to  the  credit  transaction  or 
account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with 
the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  specified  credit 
transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card 
account). If you would like more information regarding your account, please call us at 1-855-634-1442. 

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The Interest Rate and Fee Schedule is incorporated into and made a part of your Personal Credit Card Agreement. 

Please read and keep this Schedule with your Agreement for your records. 

Interest Rate and Fee Schedule 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) 
for Purchases  

APR for Balance 
Transfers  

APR for Cash Advances 

How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau  
Fees 
Annual Fee 
Transaction Fees 

• Balance Transfers

• Cash Advances

• Foreign Transactions

Penalty Fees 

• Late Payment

14.24%, 19.24% or 24.24%, based on your
creditworthiness.   
      All APRs will vary with the market based on the Prime Rate.      
0% Introductory APR for the first 12 billing cycles after Account 
opening.  
      After that, your APR will be 14.24%, 19.24% or 24.24% based on your 
creditworthiness.  
      All APRs will vary with the market based on the Prime Rate. 
24.49% 
      This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 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. 
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 
http://www.consumerfinance.gov/learnmore. 

None 

Either $5 or 3% of the amount of each transfer, whichever is 
greater. 
Either $10 or 5% of the amount of each cash advance, whichever is 
greater. 
3% of each transaction in U.S. dollars. 

  Up to $35 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "Average  Daily  Balance  (including  Current 
Transactions)." See your account agreement for more details. 

Loss of Introductory APR:  If you are 60 days past due, we may end your introductory APR for Balance Transfers and 
apply the standard APR for Balance Transfers as stated in the Interest Rates and Interest Charges Table, to all existing and 
new Balance Transfer balances on the Account. 

Billing Rights: Information about your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement. 

Ally Cash Back Margins:  

For Purchases, 9.74%, 14.74% or 19.74% will be added to the Index   
For Balance Transfers, 9.74%, 14.74% or 19.74% will be added to the Index 
For Cash Advances, 19.99% will be added to the Index 

The corresponding DAILY PERIODIC RATES as of January 23, 2018 are: 
For Purchases, 0.0390137%, 0.0527123% or 0.0664110% 
For Balance Transfers, 0.0390137%, 0.0527123% or 0.0664110% 
For Cash Advances, 0.0670959% 
Prime Rate as of January 23, 2018 is 4.50% 

Index:     

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