Iowa Credit Card Agreement and Disclosure Statement

State:
Multi-State
Control #:
US-02563BG
Format:
Word; 
Rich Text
Instant download

Description

A credit card is defined by the Federal Truth in Lending Act as "any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit." A credit card is most commonly used in relation to an open-end credit account, permitting the cardholder to purchase one or more items without paying cash or writing a check for the item or items at the time of purchase, deferring payment to some future date. When the issuer's acceptance of an applicant's request for a credit card operates as the opening of a new open-end consumer credit account in the applicant's name, in which the customer may be required to pay a finance charge or other deferred payment charge, the issuer, under the Federal Truth in Lending Act, must provide the customer with certain initial disclosures relative to the account; for example, an explanation of conditions under which a finance charge may be imposed and the method of determining the balance on which a finance charge may be imposed. Further, the Federal Truth in Lending Act requires the creditor under an open end credit account to make certain periodic disclosures to the customer.
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  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement
  • Preview Credit Card Agreement and Disclosure Statement

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FAQ

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.

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Iowa Credit Card Agreement and Disclosure Statement