Tennessee 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

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FAQ

Card issuers must also post a sample (or generic) cardholder agreement on their website. This provides general information but may not list all the terms applicable to your specific card. Your credit card issuer should also provide a "Guide to Benefits" when it first sends you the card.

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.

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.

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.

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.

The Cardholder Agreement details the terms and conditions of your credit card account and includes information such as the rate, fees, and other cost information associated with the account.

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.

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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Tennessee Credit Card Agreement and Disclosure Statement