Credit card agreement: Find yours online
Law requires credit card issuers to post their agreements
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As of Feb. 22, 2010, credit card companies were required under the Credit CARD Act of 2009 to make all credit card agreements available to the public, and major card issuers have done so via their websites (see credit card agreement chart).
A card member agreement is a contract spelling out the terms and conditions of a particular credit card, including any penalties that may apply if you miss payments or violate other terms of the agreement. Credit card companies mail these agreements to customers when the card is first issued.
As such, many people throw the agreements out or forget where they put them. When there are changes in terms, credit card issuers send notices that only include the new terms -- rather than sending the entire credit card agreement.
The credit card reform law allows consumers to access the full agreements online even if they aren't current account holders -- something that was not possible before the CARD Act.
"Any cardholder will be able to access a copy of his or her own credit card agreement," according to the Federal Reserve Board's guidelines. In addition to posting the credit card agreements on their own websites, credit card issuers must also submit agreements to the Consumer Financial Protection Bureau, which posts the documents on its website as well.
The credit card agreement posting requirements apply to any credit card company with more than 10,000 credit card accounts. Issuers of private label credit cards (such as those issued by retail stores and merchants) are exempt from the requirement. But these issuers must make the agreements available to customers who request them.
Many issuers post agreements that include a range of interest rates. If you are a current account holder and want a copy of your specific agreement, you can request one on the issuer's site or call the toll-free customer service number listed on the back of your credit card.
The larger card issuers offer a wide variety of credit cards. In trying to find the credit card agreement for your particular account, you may have to search through the list for the type of card you have (for example, a gas card or rewards card) and then the specific card.
Here are links to the major credit card issuers' cardholder agreement webpages:
|MAJOR CARD ISSUERS' CREDIT CARD AGREEMENTS|
|Bank of America||Citi||U.S. Bancorp|
|Capital One||Discover||Wells Fargo|
|OTHER CREDIT CARD ISSUER AGREEMENTS|
|America First Credit Union
||Compass Bank||Pentagon FCU|
|Arizona FCU||Credit One Bank||PNC Bank|
|Associated Bank||Fifth Third Bank||Regions|
|Barclays||First Citizen||State Farm|
|BB&T||First Hawaiian Bank||SunTrust Bank|
|BECU||First National||Synchrony Bank|
|BMO Harris Bank||First Premier||Target|
|Arizona Central Credit Union||Golden 1||TD Bank|
|Columbus Bank and Trust||Merrick Bank||USAA Savings|
||Wescom Central Credit Union
|List updated Oct. 25, 2016. If you don't see your credit card, request an update by writing Editors@CreditCards.com.|
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