credit card If you make a Purchase credit card bad credit Advance

credit card We may from time to time review your credit, employment and income records. We may
report the status and payment history of your credit card Account to credit reporting agencies and
other creditors. credit card We normally report to credit reporting agencies each month.

credit card you at. You must notify us if any number you provided to us or at which we contact
you with your consent or authorization changes or is no longer in use. We may
contact you in any way, such as calling, texting, credit card or email. We may contact you
using an automated dialer or using pre-recorded messages. We may contact you on
a mobile, wireless, or similar device, even if you are charged for it by your provider credit card.

OTHER IMPORTANT INFORMATION credit card

credit card If you make a Purchase or Cash Advance in a foreign currency, we will convert
it to U.S. dollars using a rate we choose. credit card This rate will either be a governmentmandated
rate, a government-published rate or the interbank exchange rate

credit card After we finish our investigation, one of two things will happen:

• credit card If we made a mistake: You will not have to pay the amount in question or any
interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount
in question, along with applicable interest and fees. credit card We will send you a statement of the amount 

you owe and the date payment is due. We may then
report you as delinquent if you do not pay the amount we think you owe. credit card If you receive our
explanation but still believe your bill is wrong, you must write to us (or visit within 10 days telling us
that you still refuse to pay.
you do so, we cannot report you as delinquent without also reporting that you are questioning
your bill. We must tell you the name of anyone to whom we reported you as delinquent, and
we must let those organizations know when the matter has been settled between us.

credit card While we investigate whether or not there has been an error:
• credit card We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may continue to appear on your statement.
• While you do not have to pay the amount in question, credit card you are responsible for the
remainder of your balance.
• credit card We can apply any unpaid amount against your credit limit

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credit card The fees and terms of this Agreement credit card bad credit

credit card The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. credit card bad credit If required by law, we will give you
advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law credit card bad credit.

credit card bad credit If your Account is a joint Account
• each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and
• any notice we mail to an address provided by either of you for the Account will serve as notice to both of you credit card bad credit


credit card bad credit We will not charge a Late Fee the first time you do not make the Minimum Payment credit card bad credit After that, if you do not pay the Minimum Payment
Due by the Payment Due Date, we will charge you a Late Fee. The fee is $27 if you
were not charged a Late Fee during credit card bad credit any of the prior six billing periods. Otherwise,
the fee is $37. This fee will never exceed the Minimum Paymen credit card bad credit

credit card bad credit $15, plus any of the following charges as shown on your billing statement:
fees for any debt protection product that you enrolled in on or after 2/1/2015;
Interest Charges; and Late Fees (not to exceed 4% of the New Balance).
The Minimum Payment Due may also include amounts by which you exceed your
Account credit line. credit card bad credit It will never exceed the New Balance. When we calculate the
Minimum Payment Due, we may subtract from the New Balance certain fees added
to your Account during the billing period. The Minimum Payment Due is rounded
up to the nearest dollar credit card bad credit.

credit card bad credit We calculate interest charges each billing period by first figuring the “daily balance”
for each Transaction Category. Transaction Categories include standard Purchases,
standard Cash Advances and different promotional balances, such as Balance Transfers.
How We Figure the Daily Balance for Each Transaction Category
credit card bad credit We start with the beginning balance for each day. The beginning balance for the
first day of the billing period is your balance on the last day of your previous billing period.
credit card bad credit We add any interest charges accrued on the previous day’s daily balance and any
new transactions and fees. We add any new transactions or fees as of the later of
the Transaction Date or the first day of the billing period in which the transaction or
fee posted to your Account.
credit card bad credit We subtract any new credits and payments.
• We make other adjustments (including those adjustments required in the “Paying
Interest” section) credit card.

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