Cardholder Agreement in English

Seduced by these features, Mia decides to accept the new card. Before doing so, however, it carefully considers the cardholder`s agreement. She notes that many of the advertised features have a significant cost. For example, while the card offers a 5% cash back program for groceries, it also requires a significant monthly fee and penalties if the average monthly balance falls below a certain level. Since Mia takes care to maintain relatively modest monthly expenses, she decides that she will be charged the fee to maintain an insufficient monthly balance. Had he not reviewed the terms of the agreement with the cardholder, he might have been forced to pay he would have been forced to pay hefty and unforeseen fines. Remember that even if you`re dealing with the best rewards credit cards, you should carefully research your options and check cardholder agreements. One. Access to funds and restrictions You must activate your card before using it by calling the number indicated on the card.

The funds you have are provided by the government agency and not by the card issuer. This government agency is fully responsible for ensuring that funds are available that can be loaded onto your card. For cards that have more than one name, only the primary cardholder can activate the card. Each time you use your card, you authorize us to reduce the value available on your card by the amount of the transaction. You will not incur any fees to withdraw money from a networkED ATM in the United States. ATMs on the network display the Allpoint brand. You may also receive money from some ATMs outside the network for the fees listed in the fee overview table. You can use your card to receive cash for the fees listed in the fee overview table above by presenting it over-the-counter at banks or other financial institutions that accept cards with the logos on your card for cash. Each time you use your Card, you represent and warrant that you are either the Cardholder or an Authorized User of the Card.

If you authorize someone else to use your Card, we will treat it as if you had authorized such use and you are responsible for all transactions that are subject to such use. If the card has not been registered or if you do not provide the address currently registered for the card, you may not be able to complete a transaction for which this information has been requested. If you wish to make a transaction when this is the case, you will need to contact customer service to register your card. For security reasons, we may limit the amount or number of transactions you can make with the Card. We may refuse to process transactions that we believe violate the terms of this Agreement.b. International Transactions If you make a purchase in a currency or country other than U.S. dollars or in the United States (“International Transaction”), the amount deducted from your card account will be converted to a U.S. dollar amount by the network or card association processing the transaction. The rate they choose is either: (i) chosen from the range of rates available in wholesale currency markets (which may differ from the rate received by the association itself) or (ii) the government-prescribed rate that applies on the applicable central processing date.

The conversion rate chosen by the network is independent of the paid fees we charge as compensation for our services. You will be charged a fee for international transactions in the United States. Dollars, as indicated in the fee schedule detailed below. If the international transaction results in a credit due for return, we will not refund any fees that may have been charged for your original purchase.c. Personal Identification Number (“PIN”) To set or change a PIN, please call Customer Service or read EIPCard.com for instructions. Never share your PIN with third parties and never enter your PIN in a terminal that appears modified or suspicious. If you believe that unauthorized access to your PIN has occurred, you must notify us immediately and follow the procedures in the “Unauthorized Transactions” section. d. Retrieving Card Balance Information You must track the value loaded on the cards issued to you.

You can get information about the amount of money you still have in your card account by calling customer service. This information, along with a 12-month history of account transactions, is also available online at EIPCard.com. You also have the right to obtain a written history of account transactions for at least 24 months by calling customer service or writing to us at 5565 Glenridge Connector NE, Mail Stop GH-52, Atlanta, Georgia 30342. You will not be charged for this information unless you request it more than once a month. Authorization is valid You do not have the right to stop payment for a purchase transaction arising from the use of your card. For certain types of purchases (e.B. in restaurants, hotels or similar purchases), your card may be “pre-authorized” for an amount greater than the transaction amount to cover tips or incidentals. Any pre-authorization amount will “hold” your available funds until the merchant sends us the final payment amount for your purchase. During this time, you will not have access to the pre-authorized amounts. Once the final payment amount is received, the pre-authorized amount will be withdrawn pending. If you authorize a transaction and do not purchase that item as intended, approval may result in a holdback for that amount. Pre-authorized transfers Pre-authorized recurring debits and/or transfers are not available on your card.

Returns and refunds If for any reason you are entitled to a refund for the goods or services you received with your card, the return and refund will be processed by the merchant. If the merchant credits your card, the balance may not be immediately available. Although merchant refunds are recorded to your card account once they are received, we have no control over when a merchant sends a credit for the refund transaction, and the refund may not be available for a few days after the date of the refund transaction. Receipts You may want to keep receipts as a record of transactions. Receipts are required when you need to verify a transaction.i. . .