Secured Credit Card Agreement

To determine an „average daily balance,“ we calculate a daily balance for each day of the billing cycle. We start with the balance at the end of the previous billing cycle and subtract all unpaid interest. Every day, we add all new transactions that may include fees; Subtract payments or credits from this balance and make other adjustments. (We add transaction fees to the same daily balance as the transaction. As a general rule, we add additional fees to the daily purchase balance.) Then we add up all the balances in this type of account for the billing cycle and divide the amount by the number of days in the billing cycle. This gives us the average daily balance for the balance. NY RESIDENTS: You can contact the New York State Banking Department at 1-877-226-5697 for a comparative list of all credit card rates, fees and timelines. Compounding and crediting: no interest is paid, so there is no interest rate and no interest credit. 15.

Effect of regulation: This contract is the contract applicable to all transactions in your account, although the sales, cash advances or credit notes you have signed may have different terms. We can change that agreement from time to time. If so according to section 422.415, Wis. Stats. we will provide an amendment in writing 90 days before the effective date of the amendment. Your use of the card or comfort check after that will give your consent to the changes. As far as the law allows, and we include it in our communication, the changes apply to your existing account balance as well as future transactions. No delay or omission in the exercise of the rights granted to us under this sub-party infringes these rights or is construed as a waiver of those rights.

A waiver does not apply, unless we have signed it in writing and only to the extent that is set out in it. 2. Line of Credit: We set a maximum credit limit for your account („line of credit“) and will notify you about the amount. You agree not to let the account balance exceed the line of credit, but you will remain responsible for the payment if this is the case. Any account balance that exceeds the line of credit is immediately payable. We reserve the right to reduce your line of credit from time to time or to revoke your card without compromising your obligation to pay all your account balances. The maximum cash advance is 50% of your credit line. The cards remain our property, and if we ask for them, you must retrieve all the cards we have issued to your account and give them to us. To learn more about the factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website under www.Consumerfinance.gov/learnmore your rights If you are not satisfied with your credit card purchases If you are dissatisfied with the goods or services you purchased with your credit card and have tried to resolve the issue with the merchant in good faith, you may be entitled not to pay the remaining amount due at the time of purchase. Other beneficiaries of this provision.

In addition to you and us, the rights and obligations outlined in this agreement apply to: our related companies and our executives, directors and employees; all co-accused of a claim made available to the arbitrator; and all common account holders and authorized users of your account. Act regulating the arbitration agreement. This conciliation agreement is part of a transaction involving intergovernmental trade. The Federal Arbitration Act (9 U.S.C No. 1-16 (the „FAA“) regulates this arbitration agreement, including, but not limited to, any issue relating to the manufacture, validity, applicability, scope or revocation of this agreement, any question of whether a particular claim or dispute is arbitrated, any question concerning Joinder`s claim or consolidation, or the validity of a jury, class actions or representative