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Important Disclosures ELECTRONIC NOTICE DISCLOSURE AND CONSENT FOR THE CHARTER ONE PLATINUM CREDIT CARD This Electronic Notice Disclosure and Consent (the "Consent") contains important information about how we will deliver disclosures and notices required by applicable law to you, including the [Terms and Conditions of AccessMyCardOnline] (the "Agreement") and disclosures related to the provision of online credit card account services thereunder (the "Service"). We will call these disclosures the "Notices." This is your copy of the Consent. Please read it carefully and print and retain a copy of it for your records. Consent to Electronic Notices. By submitting your online application, you affirmatively consent to receive, and acknowledge that you can access, receive and retain the Notices electronically, by electronic means, and not in paper or non-electronic form. You further acknowledge that by accessing the website, you satisfy the hardware and software requirements discussed more fully below and acknowledge that you have reasonably demonstrated that you can access, receive and retain the Notices electronically in the formats we use. The decision to do business electronically is yours. You cannot apply electronically for the Service unless you agree to receive the Notices in electronic form. However, you may ask us to provide you with paper copies of the Notices by calling us at 1-800-426-1114. Paper copies of the Notices will be provided to you at no cost. Receiving
Notices Electronically. We will provide Notices as part of your enrollment
process or post Notices on the website with appropriate notice to you as
permitted by applicable law. We will consider your acceptance of the Notice
as your confirmation of receipt of the Notice. You agree to notify us
promptly if your mailing address, e-mail address or other information changes
by calling us at 1-800-426-1114 or by writing to us at Credit Card Services, Hardware and Software Requirements. In order to access the website and to access, receive and retain the Notices electronically, you must provide at your own expense all necessary telephone lines, Internet or other connections and equipment needed. In addition, your personal computer must meet the following minimum requirements: Microsoft® Internet Explorer 5.0 or higher, Netscape 4.7 or higher (except 6.0), or AOL 5.0 or higher with 128-bit encryption. You must also have a printer that is capable of printing from your Internet web browser and e-mail software. You confirm that your computer satisfies these specifications and requirements and that you can access, receive and retain the Notices electronically. Withdrawal
of Consent to Electronic Notices. If you agree to receive the Notices
electronically, you can withdraw your consent at any time by calling us at 1-800-426-1114
or by writing to us at Credit Card Services, BY CLICKING ON THE "SUBMIT" BUTTON YOU ACKNOWLEDGE THAT YOU HAVE READ THE CONSENT AND HAVE PRINTED A COPY OF IT FOR YOUR RECORDS. YOU FURTHER ACKNOWLEDGE THAT YOU CAN ACCESS, RECEIVE AND RETAIN THE NOTICES ELECTRONICALLY IN THE FORMATS WE USE, AND AFFIRMATIVELY CONSENT TO THE RECEIPT OF THE NOTICES ELECTRONICALLY. The
terms of your account are governed by the Credit Card Agreement (Agreement)
that will be sent with your card. Account terms, including your Annual
Percentage Rates (APRs), fees and costs may be changed at any time as
provided in the Agreement.
How We Will Calculate Your Balance: We
use a method called "average daily balances (including new
purchases)." See Cardholder
Agreement for more details. Loss
of Introductory APR: We
may end your Introductory APR and apply the Penalty APR if you make a late
payment. *Your
APR for Purchases and Balance Transfers may vary monthly and will be reset on
the first day of each billing cycle by adding the Index to a margin of 13.49,
15.49, or 17.49 percentage points. The APR for Cash Advances is determined
monthly by adding the Index to a margin of 21.74 percentage points. The Index
is determined on the last business day of each month and is the highest three
month LIBOR (London Interbank Offered Rate) published in the northeastern
edition of The Wall Street Journal in its Money Rates table at any time
within the immediately preceding three months, including the month in which
the Index was determined. The
information about the costs of the card described in this application is
accurate as of March 1, 2010. This information may have changed after that
date. To find out what may have changed, call us toll-free at 1-888-511-2777 or
write to us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut
06601. Allow
at least 4 weeks after account opening for processing. Continue paying each
creditor until the transfer appears as a credit. You can not use a Balance
Transfer or Cash Advance to payoff an account with any of our
affiliates. Important
information about procedures for opening a new account: To
help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify
and record information that identifies each person who opens an account. What
this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your driver's license or other identifying
documents. Notice
to New York Residents: Consumer reports may be requested in
connection with the processing of your application and any resulting account.
Upon your request, we will inform you of the name and addresses of any
consumer reporting agencies that have provided us with such reports. Notice
to Ohio Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all creditworthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this
law. AGREEMENT: You
understand that your account will be governed by the Agreement that will be
sent with your credit card. You authorize the issuer of your credit card,
identified below, to obtain copies of your consumer report to service your
account, manage your account relationship, or for any other legitimate
business purpose. We may
try to contact you to confirm your acceptance of the account. If we are
unable to contact you, the account may not be opened. PAYMENTCARE(SM) DEFINITIONS: PaymentCare(SM) provides you, the Primary Applicant, with the following Benefits: Accidental Death: cancels your account balance in full, up to $20,000, if you should die as a result of an accidental injury. Involuntary Unemployment: cancels the Minimum Payment owed on your account for a maximum of 12 months if you become involuntarily unemployed (layoff, employer termination, generalized strike, unionized labor dispute or lockout) for at least 30 consecutive days. Disability: cancels the Minimum Payment owed on your account for a maximum of 12 months if you become totally unable to perform the major duties of your occupation due to a sickness or injury for at least 30 consecutive days. Family Leave of Absence: cancels the Minimum Payment owed on your account for a maximum of 6 months if you take an unpaid leave from full-time employment for at least 30 consecutive days due to caring for an immediate family member with a serious medical condition, caring for a newborn or adopted child, jury duty, or residing in a federally declared disaster area. Hospitalization: cancels the Minimum Payment owed on your account for a maximum of 24 months if you become hospitalized for three consecutive nights in a calendar month. Military Duty: cancels the Minimum Payment owed on your account for a maximum of 24 months if you receive a mandatory recall to active military duty for at least 30 consecutive days. Life Events: cancels the Minimum Payment owed on your account for two months if you get married, adopt a child, retire from your principal employment, graduate from an accredited 4-year college or university, or move to a new primary residence. During months that you have an account balance, your monthly fee is 89¢ per $100 of the highest billing cycle balance on your account. This fee is automatically included on your billing statement each month. ELIGIBILITY REQUIREMENTS: Benefits are based on the amount of your account balance as of the day before your loss occurs or $20,000, whichever is less, and do not include any amounts added to your account after the occurrence. To be eligible for Involuntary Unemployment, Disability, Family Leave of Absence and Military Duty Benefits, you must be employed on a full time basis for at least 30 hours a week at the time of the occurrence. To qualify for Involuntary Unemployment Benefits, you must register with a recognized employment agency or your state unemployment office within 30 days after the date you become unemployed. Accidental Death Benefits do not cover suicide or self-inflicted injuries. Disability, Family Leave of Absence and Hospitalization Benefits do not cover occurrences caused by a pre-existing medical condition. A "pre-existing condition" is one for which you or your family member saw or were treated by a licensed health care provider both within the 6 months before and the 6 months after your enrollment effective date. Once your enrollment is processed, you will receive a personalized Fulfillment Package along with additional details about PaymentCare. PaymentCare protection is available only to United States residents, residing in the United States.
This
credit card is issued by RBS Citizens, N.A. |
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