Federal law requires credit card issuers with more than 10,000 credit card accounts to list a copy of their credit card agreements online. Your credit card issuer should also provide you with a copy of the credit card agreement for your account if you request it. (5) De minimis derogation. (i) A card issuer is not required to provide the office with credit card agreements if on the last business day of the calendar quarter, the issuer had fewer than 10,000 credit card accounts open. The stored agreements contain general conditions of sale, prices and information on fees. You are not specific to a person`s account information. (iv) notification of a credit card agreement previously submitted to the office, under which the issuer resigns, as described in section 1026.58(c)(4), (c)(5), (c)(6) and (c)(7). (ii) a copy of a university credit card agreement in which the card issuer participated and which was in effect at any time during the reference period; If none of these reasons apply and you are still unable to reach an agreement, call them to request a copy of your agreement. Under federal law, your credit card issuer is required to provide a copy of your agreement upon request.
(6) Exception for private label credit cards. (i) A card issuer is not required to present a credit card agreement to the office if, from the last working day of the calendar quarter, the agreement is concluded: we have developed a shorter and simpler credit card agreement that sets the conditions for the consumer. We believe our approach will help consumers better understand their credit card agreements. (v) the total number of credit card accounts opened during the period covered by a university credit card agreement; and you may not realize it, but you automatically accept your credit card terms if you accept the credit card. There is not much room to negotiate. The credit card issuer may change the terms of the credit card at any time after the prior announcement. Continued use of your credit card means that you accept the changes to the Terms. This search method applies to all credit card agreements from the CFPB`s last quarterly collection of credit card contracts. .