A cardholder agreement is a legal document outlining the terms under which a credit card is offered to a customer. Among other provisions, the cardholder agreement states the annual percentage rate (APR) of the card, as well as how the card's minimum payments are calculated.
Yes, you can generally use your credit card overseas, but there are a few things to keep in mind: International Acceptance: Most major credit cards (like Visa, MasterCard, and American Express) are widely accepted in many countries, but it's good to check if your card is accepted at your destination.