New Hampshire 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
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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

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FAQ

No. The ability to surcharge only applies to credit card purchases, and only under certain conditions. U.S. merchants cannot surcharge debit card or prepaid card purchases. Q.

PORTSMOUTH ? Retailers can't charge customers a fee for using Visa or MasterCard credit and debit cards, but the state of New Hampshire is charging its court customers $3 a swipe.

To date, only two states and one jurisdiction still outlaw the use of credit card surcharges. They are a result of non-qualified transactions of different communications methods.: Connecticut, Massachusetts, and Puerto Rico.

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.

Surcharges are legal unless restricted by state law. Businesses that choose to add surcharges are required to follow protocols to ensure full transparency. The surcharge regulations outlined below only apply within the U.S.

The limited time window in which debt collectors and creditors can sue debtors for nonpayment of credit card bills in New Hampshire is 3 years. The statute applies to "written contracts" or "open accounts. In most cases, once the statute of limitations on a case "runs out," the legal claim is not valid any longer.

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.

4 Ways to Pass on Credit Card Fees to Customers Surcharge Program. A surcharge program is the most direct way to pass on your credit card fees. ... Convenience Fee. ... Minimum Purchase Amount. ... Cash Discount. ... Pros. ... Cons. ... Be Transparent. ... Give Customers a Choice.

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New Hampshire Credit Card Agreement and Disclosure Statement