Massachusetts 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

The Truth in Lending Act (TILA) protects consumers by requiring creditors to disclose certain information about finance charges, annual percentage rates, payment amount, and fees that may be charged to the consumer.

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.

A credit card company doesn't have to send you a monthly statement if: The account is considered uncollectible ? There may be a number of circumstances where your account is uncollectable, including death, bankruptcy, failure to update your contact information, or the statute of limitations has expired for your debt.

How do I find out my credit card benefits? Check your credit card website. While many consumers simply log on to their credit card company's site only to pay their bill, it pays to visit the website for your specific card to see the perks listed. ... Call customer service. ... Read the fine print. ... Visit a credit card compare site.

You should be able to find pricing and terms information adjacent to any credit card application. If you can't locate this information, contact the issuer directly and request it. They are required by law to give it to you.

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.

Besides your physical card, you can usually find your card number on billing statements and in your profile online or in your bank's mobile app.

Final rate and fee information depends on your credit history, so your actual rates and terms will be found on your Credit Card Agreement. You can find it online and enclosed with your credit card when it arrives in the mail.

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Massachusetts Credit Card Agreement and Disclosure Statement