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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.
1?? As such, customers considering accepting a new credit card should carefully review their cardholder agreement in order to confirm that the actual provisions of the card are as advertised. Although their details vary, most cardholder agreements are written using a similar format and in a straightforward tone.
In addition to pricing information, your credit card agreement will include every detail of your credit card including: The types of transactions you can make on your credit card. Your credit limit and information about how your credit card issuer can change it. Details about using your credit card in another country.
Definition. A credit card disclosure is a document that outlines all of the fees, costs, interest rates, and terms that a customer could experience while using the credit card. Institutions that offer credit cards are required by law to disclose this information.
Key Takeaways A credit card's terms and conditions officially document the rules and guidelines of the agreement between a credit card issuer and a cardholder. Common terms and conditions include the fees, interest rate, and annual percentage rate carried by the credit card.
7 Things Your Credit Card Company Doesn't Want You to Know #1: You're the boss. ... #2: You can lower your current interest rate. ... #3: You can play hard to get before you apply for a new card. ... #4: You don't actually get 45 days' notice when your bank decides to raise your interest rate. ... #5: You can get a late fee removed.
A credit agreement is not enforceable in contract law by way of action or defense by any party unless a writing exists which contains all of the material terms of the agreement and is signed by the party against whom enforcement is sought. 2.
Here's a checklist of some things to look at when you choose a credit card: Annual Percentage Rate (APR). This is the cost of borrowing on the card, if you don't pay the whole balance off each month. ... minimum repayment. ... annual fee. ... charges. ... introductory interest rates. ... loyalty points or rewards. ... cash back.