GoodYear Credit Card Application Form
GoodYear Credit Card Application.pdf This card allows someone to take credit every month on tires purchased at any retailer that supplies GoodYear tires. Apply Online
THE FAST, CONVENIENT WAY TO MAKE
YOUR TIRE AND SERVICE PURCHASES.
• No annual fee*
• Flexible payment terms
• $0 liability on unauthorized charges
• 24/7 customer service with ability to manage account online
• Free Citi Identity Theft Solutions
• Free additional cards
* As of November 1, 2012 APR 28.99%, Cash Advance APR 29.95% (rates may vary with the market based on
Prime Rate). Minimum INTEREST CHARGE: $2. Cash Advance fee: The greater of $10 or 5% of the amount of each cash
advance. See card agreement for details.
GOODY EAR CR EDI T CARD APP LIC ATION
* FIRST NAME MIDDLE INITIAL * LAST NAME
PLEASE SIGN BELOW
By signing below, 1 certify that 1 have read and agree to the Credit Card Disclosures, Terms and Conditions of Offer and Card Agreement,
all of which are attached.
* APPLICANT’S SIGNATURE *DATE
Store Use Only: Iden tification requ ires a valid driver’s li ce nse and/or government issued photo ID
Merchant Number Employee Name Sa le Amount Auth Code
Does not qualify for
immediate credit decision
ID Type / ID #/State of Issuance
ID #2. Ind icate Type
Store Copy Goodyear Application 405GY753S 11/12
* STREET ADDRESS APT/SUITE * CITY * STATE * ZIP
* SOCIAL SECURITY NUMBER * DATE OF BIRTH
* PR IMARY PHONE BUSINESS PHONE
If you have entered a cell phone number, or another number that you later convert to a cell phone number. you agree that we may contact you at this number. You also agree to
receive calls and messages such as. pre·recorded messages, ca lls and messages from automated dialing systems. or text messages. Normal cell phone charges may apply.
( ) ( )
Information you supply about your salary/wages, other income and housing payment is important to us in
considering your ability to make payments on the account.
* RESIDENCE STATUS * MONTHLY MORTGAGE OR RENT PAYMENT
;,;'((ji’·)~!Ä· Own l}) .. ~~~:Ä~1~ Rent !~Ä~11*; Other $
* ANNUAL SALARY AND WAGESt OTHER ANNUAL INCOMEt
(For example, current or reasonably expected salary, (For example, annual amounts from interest or dividends, soc ial security or retirement benefits,
wages, bonuses, tips, commissions) ren tal income, alimony, child support or separate main tenance payments)
t Alimony, chi ld support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis of repaying this obli gation.
If you provide your email address. we may use it to contact you about your account and tell you about useful products and services. We may also provide your email address to
Goodyear who may use it to send you news about the latest merchandise. promotions and sales.
* Required fields
TERMS AND CONDITIONS OF OFFER
This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account.
Citibank, NA (“we” or “us”) is the issuer of your Goodyear Credit Card account. Citibank, N.A. is located in Sioux Falls, SD.
After credit approval each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each
applicant may be liable for all amounts of credit extended under this account to any joint applicant.
Federal law requires us to obtain, verify and record information that identifies each person who opens an account. in order to help the
government fight the funding of terrorism and money laundering activi ties. To process the application, we must 11ave your name, street
address, date of birth and other identifying in formation, and we may ask for identifying documents from you as well.
We may gather information about you, including from your employer, your bank, credit bureaus. and others, to verify your identity and
determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we
requested a credit bureau repo rt, and the names and addresses of any credit bureaus that provided us with such reports.
To receive a Goodyear Credit Card, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be
determined by your annual salary and wages, your other annual income and a review of your debt. including the debt listed on your
credit report. You will be informed of the amount of your cred it limit when you receive your card.
You authorize us to share with Goodyear and its affiliates experiential and transactiona l information regarding your activity with us.
Please see the attached Card Agreement for important information.
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 cred it histories on each individual upon request. The Ohio Civil Rights
Commission administers compliance with this law.
Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless
you give us a copy of such agreement, statement or court order before we grant you credit. or we have actual knowledge of its terms
before your account is opened.
Deferred Interest Promotional Offers on the Goodyear card
From time to time, as a Goodyear card holder you may be offered special limited time only deferred interest promotional offers.
Deferred Interest promotional offers include the fo llowing types of offers:
– No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required
·No Interest if Paid in Full in 12 Months, Monthly Minimum Payments Required
– No Interest if Paid in Full by specified date, Monthly Minimum Payments Required
If the balance is not paid in full by the end of the promotional period (or, to the extent permitted by law, if you make a late payment), interest
charges will be imposed from the purchase date at the purchase rate on your account which is 28.99% APR. This APR is as of 11/01/2012 and
will vary with the market based on the Prime Rate.
These offers are not available all the time and may be limited to specific merchandise and/or have a minimum payment and purchase
requirements as disclosed in the offer.
Your card agreement, the terms of the offer and applicable law govern these tr·ansactions including increasing APRs and fees and termination
of the promotional period.
This Card Agreement is your contract with us. It governs the use of
your card and account. The Goodyear Credit Card Disc losures are part
of t his Agreement. Please read these documents carefully. Keep
these documents for your records.
account means the relationship established between you and us by
APR means an annual percentage rate.
authorized user means any person you allow to use your account.
card means one or more cards or other access devices that we give
you to get credit under this Agreement. This includes account
we, us, and our mean Citibank, N.A., the issuer of your account.
Citibank, N.A. is located in Sioux Falls, SD.
you, your, and yours mean the person who applied to open the
account. It also means any other person responsible for complying
with this Agreement.
You agree to use your account in accordance with this Agreement.
You must pay us for all amounts due on your account. This Agreement
is binding on you unless you close your account within 30 days
after receiving the card and you have not used or authorized use of
the card. Your account must only be used for lawful transact ions.
Authorized Users. You may request additional ca rds for authori zed
users. You must pay us for all charges made by au thorized users.
You must pay us even if you did not intend to be responsible for
those charges. You must notify us to withdraw any permission you
give to an authorized user to use your account.
Joint Accounts. If this is a joint account, each of you is responsible
individually and together for all amounts owed. Each of you is
responsible even if the account is used by only one of you. You will
continue to be liable for the entire balance of the account even if
your co-applicant is ordered by a court to pay us. You will, remain
liable to us if your co-applicant fails to pay as ordered by the court.
Your account status will continue to be reported to the credit bureau
under each of your names. The delivery of notices or billing
statements to either of you serves as delivery to each of you. We
may rely on instructions given by either of you. We are not liable to
either of you for relying upon such instructions.
Credit Limit. Your initial credit limit is on the ca rd carrier. After that,
your credit !!m!t appears on your bi!!ing statement. The fu!! amount of
your credit limit is available to use where the ca rd is honored. We will
notify you separately what part of your credit limit is available for
cash advances. That part is called the cash advance limit. We may
reduce or increase your credit limit or cash advance limit at any time
for any reason as permitted by law. We will notify you of any change,
but the change may take effect before you receive the notice. You
should always keep your total balance below the credit limit.
Howeve r, if the total balance goes over your credit limit you still must
pay us. If your account has a credit balance, we may reduce the
credit balance by any new charges on your account. You may not
maintain a credit balance in excess of your credit limit.
Checks. We may provide you with cash convenience checks. You
may use them to get a cash advance. Use of a cash convenience
check will be a cash advance even if you use the check to make a
payment to another creditor. You may not use cash convenience
checks to pay an amount owed to us under this Agreement or to pay
another accou nt with us or an affiliate. We do not certify these
checks or return any checks that have been paid.
Billing Statement. Your billing statement shows the New Balance.
This is the total amount you owe us on the Statement Closing Date.
To determine the New Balance, we begin with the total balance at the
start of the billing cycle. We add any purchases or cash advances.
We subtract any credits or payments. We then add any interest
charges or fees and make other adjustments.
Your billing statement also shows your transactions; the Minimum
Payment Due and payment due date; your credit limit and cash
advance limit; and your interest charges and fees.
We deliver a billing statement to only one address. You must notify
Customer Service of a change in address. We may stop sending you
statements if we deem your account uncollectible or start collection
proceedings; but we may continue to add interest and fees as
permitted by law.
Variable APRs Based on Prime. If any APR is based on the U.S.
Prime Rate (“Prime Rate”), the APR will equal the Prime Rate plus an
additional amount. If the Prime Rate increases, it will cause the APR
to increase. If the Prime Rate decreases, it will cause the APR to
decrease. For each billing cycle we use the Prime Rate published in
The Wall Street Journal two business days before the Statement
Closing Date. If the Prime Rate causes an APR to change, we put the
new APR into effect as of the first day of the billing cycle for whi ch
we calculate the APR. We apply the new APR to any existing
balances, subject to any promotional rate that may apply. If The Wall
Street Journal does not publish the Prime Rate, we will use a similar
Purchase APR. There is a variable regular purchases APR. It equals
the Prime Rate plus 25.74%. As of November 1, 2012, this Annual
Percentage Rate is 28.99%. This APR eq uals a daily periodic rate of
Cash Advance APR. Th ere is a variable regular cash advance APR.
It equals the Prime Rate plus 26.70%. As of November 1, 2012, this
Annual Percentage Rate is 29.95%. This APR equals a daily periodic
rate of 0.08205%.
Effect of APR Increases. If an APR increases, interest charges in crease.
Your minimum payment may increase as well.
We may offer promotional terms for all or a part of any balances.
Any promotional terms may apply for a limited period of time. They
will be governed by the terms of the promotional offer and this
Agreement. Your promotional terms will end when the promotional
period expires or, to the extent permitted by law, if you make a late
payment. The promotional offer will tell you if we require a separate
minimum payment on the promotional balance.
If a promotional offer is a deferred interest offer, no interest charges
Will be 1m posed on the deferred interest balance if you pay the
balance in full by the end of the promotional period for that defe rred
interest balance. We will impose interest charges on the deferred
interest balance at the APR for regular purchases from the date of
purchase if you do not pay the balance in full by the end of the
Interest Charges Based on APRs
Interest Charges. We impose interest charges when we apply APRs to
your account balances. We do this every day by using a daily pe riodic
rate. To get a daily periodic ra te, we divide th e APR by 365.
When Interest Charges Begin. We begin to impose interest charges
the first day we add a charge to a daily balance. The charges we add
to a daily balance include purchases and cash advances. They also include
interest charges and fees. We continue to impose interest
charges until we credit your account with full payment of the total
amount you owe us.
Grace Period on Purchases. You can avoid interest charges on purchases,
but not on cash advances. This is called a grace period on
purchases. The grace period is at least 25 days. To get a grace period
on purchases, you must pay the New Balance by the payment due
date every billing cycle. If you do not, you will not get a grace period
until you pay the New Balance for two billing cycles in a row.
If you have a balance subject to a deferred interest or a 0% APR promotion
and that promotion does not expire before the payment due
date, that balance (the “excluded promotional balance”) is excluded
from the amount you must pay in full to get a grace period. However,
you must still pay any separately required payment on the excluded
promotional balance. In billing cycles in which payments are allocated
to deferred interest balances first, the deferred interest balance will
be reduced before any other balance on the account. However, you
will continue to get a grace period on purchases so long as you pay
the New Balance less any excluded promotional balances in full by the
payment due date each billing cycle.
In addition, certain promotional offers may take away the grace period
on purchases. Other promotional offers not described above may also
allow you to have a grace period on purchases without having to pay
all or a portion of the promotional balance by the payment due date.
If either is the case, the promotional offer will describe what happens.
Calculation of Interest Charges – Daily Balance Method (Including
Current Transactions). We calculate interest charges each billing
cycle. To do this:
We start with each of your different balances. These balances
include, for example, regular purchases, regular cash advances,
and different promotional balances. (Purchases made under the
same promotional terms, including APR and expiration date, will
be part of the same promotional balance.)
We calculate the daily balance for each of your different
balances. To get a daily balance, we start with the balance as of
the end of the previous day. We add any interest charge on the
previous day’s balance. (This results in daily compounding of
interest charges.) We add any new charges. We then subtract
any new credits or payments.
We multiply each daily balance by the daily periodic rate that
applies to it. We do this for each day in the billing cycle. This
gives us the daily interest charges for each of your different
We add up all the daily interest charges. The sum is the total
interest charge for the billing cycle.
You authorize us to round interest charges to the nearest cent.
When we calculate daily balances, we add a purchase or cash advance
as of the Transaction Date. (The Transaction Date for a cash advance
is the date we get a request to complete a cash convenience check.
When you send a cash convenience check directly to someone, the
Transaction Date is the date we receive the check for payment. The
Transaction Date is on the billing statement.) We add a transaction
fee to the same balance as the transaction. We subtract a payment
or credit as of the day it is credited to the account and then make
other adjustments. We treat a credit balance as a balance of zero.
Minimum Interest Charge. If we charge you interest, the charge will
be no less than $2. We add the charge to the regular purchase
balance or allocate it among one or more of the balances that
Balance Subject to Interest Rate. Your statement shows a Balance
Subject to Interest Rate. It shows this for each different balance. The
Balance Subject to Interest Rate is the average of the daily balances
during the billing cycle. A billing cycle begins on the day after the
Statement Closing Date of the previous billing cycle. It includes the
Statement Closing Date of the current billing cycle.
Transaction Fee for Cash Advances. You take a cash advance if you
use a cash convenience check; get money through an automated
teller machine (ATM); or get money through home banking or a
financial institution. You also take a cash advance if you make a wire
transfer; buy a money order, traveler’s check, lottery ticket, casino
chip, or similar item; or engage in a similar transaction. For each cash
advance we add a transaction fee of 5% of the amount of the cash
advance, but not less than $10.
Late Fee. We may add a late fee for each billing cycle in which you
have a past due payment. For late fee purposes, you have a past due
payment any time you fail to pay the Minimum Payment Due by the
payment due date. The fee will be $25; or $35 for any additional past
due payment during the next six billing cycles after a past due
payment. However, the fee will not exceed the amount permitted by
law. We add this fee to the regular purchase balance.
Returned Payment Fee. We may add a returned payment fee for a
returned payment. A returned payment is an electronic debit,
payment check, or similar payment instrument, that is returned
unpaid. We may add this fee the first time your payment is returned,
even if it is not returned upon resubmission. The fee wil l be $25; or
$35 for any additional returned payment during the same or next six
billing cycles after a returned payment. However, the fee will not
exceed the amount permitted by law. We add this fee to the regular
Returned Cash Convenience Check Fee. We may add a returned
cash convenience check fee for a returned cash convenience check.
A returned cash convenience check is any cash convenience check we
do not honor. We may not honor these checks if t he amount of the
check would cause the balance to go over the cash advance limit or
credit limit. We also may not honor these checks if you default; if you
did not comply with our instructions regard ing the check; if your
account has been closed; or for other reasons. The fee will be $25; or
$35 for any returned cash convenience check during the same or
next six bi lling cyc les after a returned cash convenience check.
However, the fee wil l not exceed the amount permitted by law. We
add this fee to the regu lar cash advance bal ance.
Stop Payment on Cash Convenience Check Fee. We add a $39 fee if
we honor your request to stop payment on a cash convenience check.
Write us at P.O. Box 653054, Dallas TX 75265, to stop payment on a
cash convenience check. You can also ca ll the Customer Service
number on the billing statement. If you call, you must confirm the
ca ll in writ ing within 14 days. A written stop payment order is good
for 6 months unless renewed in writing. We add this fee to the
regular cash advance bal ance.
Information on Foreign Currency Conversion
If you take a cash advance in a fo reign currency at a branch or ATM
of one of our affiliates, an affili ate of ours will convert it into U.S.
dollars. Our affiliate currently uses a convers ion rate in effect on its
processin g date. It uses a government-mandated rate if requ ired to
do so. If not, it uses a mid-point market rate. Ou r affiliate’s
procedure may ch ange from time to time without notice. If you take
a cash advance in a foreign currency anywhere else, MasterCard wi ll
convert it into U.S. dollars. MasterCard follows its own operating
regulations or procedures. MasterCard currently uses a conversion
rate in effect one day before its t ransaction processing date. It uses
a government-mandated rate if required to do so. If not, it uses a
wholesale market rate. The procedures may change from time to
time without notice. The conversion rate you get is the one used on
the transact ion’s processing date. This may be different from the one
in effect on the Transaction Date.
Making Payments. You may pay al l or part of your account ba lance
at any t ime. However, you must pay at least the Minimum Payment
Due by the payment due date each bill ing cycle. The sooner you pay
the New Bal an ce, the less you wi ll pay in interest charges.
We calcu late the Minimum Payment Due as fo llows. We begin with
any past due amount. We add any amount specified in a promotiona l
offer. We add any amount requ ired by the Promotion Calculation. We
also add the largest of the fol lowing:
The Ca lculated New Ba lance if it is less than $25;
$25 if the Calculated New Balance is at least $25; or
1% of t he Ca lculated New Ba lance plus the amount of your bi lled
interest charges on that ba lance, any minimum interest charge
al located to that balance, and any appl icable late fee. (The
result is rou nded up to the nearest doll ar.) However, we subtract
interest charges that accrued during prior billing cycles on a
deferred interest balance that ended during the bill ing cycle
covered by the statement.
The Calcu lated New Ba lance equals the New Ba lance on the bil ling
statement le ss ba la nces subject to the Promotion Calc ul ation and less
any balances subject to either of two types of promotional terms. The
first type are terms that do not require a minimum payment. The
second type are terms that require an additional amount as part of
the Minimum Payment Due.
The Promotion Calculation applies to some deferred interest and 0%
APR transactions made on or after March 1, 2012. The Promotion
Calculation is based on the transaction amount as shown on the first
statement that displays the transaction. It applies if, paying $25 on
this balance each billing cycle would result in repayment before the
end of the promotion period. The Promotion Calculation equals 1% of
this balance during the promotion period. (The result is rounded up
to the nearest cent.) The Promotion Calculation only applies during
the promotion period.
The Minimum Payment Due may reflect adjustments to the New
Balance. The Minimum Payment Due is never more than the
Calculated New Balance plus two amounts. The first is any amount
required by a promotional offer. The second is any amount required
by the Promotion Calculation.
Application of Payments. Payments in excess of the Minimum
PJyment Due ur2 appHed in accordunce ‘Nith lavv. Thls means that we
will generally apply payments in excess of the Minimum Payment Due
to higher APR balances first. However, excess payments received
before a deferred interest promotion expires are applied to the
deferred interest promotional balance first in the last two billing
cycles of the promotional period. And, if the expiration date of a
deferred interest promotion is before the payment due date in the
billing cycle in which the deferred interest promotion expires, excess
payments received before the deferred interest promotion expires are
applied to the deferred interest promotional balance first in the last
three billing cycles of the promotional period. Payments equal to or
less than the Minimum Payment Due and credits are applied at our
discretion and you authorize us to apply payments and credits in a
way that is most favorable or convenient for us. This may include
applying such payments and credits to lower APR balances first.
Payment Instructions. We credit your payments in accordance with
our payment instructions on the billing statement. You must pay us
in U.S. dollars. To do so, you must use a check, similar instrument, or
electronic debit that is drawn on and honored by a bank in the U.S.
Do not send cash. We can accept late or partial payments, or
payments that reflect “paid in full” or other restrictive endorsements,
without losing our rights. We also reserve the right to accept
payments made in foreign currency and instruments drawn on funds
on deposit outside the U.S. If we do, we select the currency
conversion rate. We will then credit your account in U.S. dollars after
deducting any costs incurred in processing your payment. Or we may
bill you separately for these costs.
Optional Pay by Phone Service. You may use our optional Pay by
Phone Service to make your payment by phone. To do so, call us to
request the service. You agree to pay us the Pay by Phone fee shown
in the Pay by Phone section on the back of the billing statement
when a representative of ours helps expedite your payment. Our
representatives are trained to tell you this amount when you use this
We may report information about your account to credit bureaus.
Late payments, missed payments, or other defaults on your account
may be reflected in your credit report. We may report account
information in your name and the names of authorized users. We
may also obtain follow-up credit reports on you.
If you think we reported incorrect information to a credit bureau,
write us at the Customer Service address on the billing statement.
We will investigate the matter. We will then tell you if we agree or
disagree with you. If we agree with you, we will contact each credit
bureau to which we reported and request a correction. If we disagree
with you, we will tell you that.
You authorize us to share information about you as permitted by law.
This includes information we get from you and others. It also
includes information about your transactions with us. Please see our
Privacy Notice for details about our information sharing practices.
Changes to this Agreement
We may change the rates, fees, and terms of this Agreement from
time to time as permitted by law. The changes may add, replace,
or remove provisions of this Agreement. We will give you advance
written notice of the changes and a right to opt out to the extent
required by law.
You default under this Agreement if you fail to pay the Minimum
Payment Due by its due date; go over your credit limit; pay by a
check or similar instrument that is not honored or that we must
return because it cannot be processed; pay by electronic debit that is
returned unpaid; file for bankruptcy; or fail to comply with the terms
of this Agreement. If you default, we may close your account and, to
the extent permitted by law, demand immediate payment of the total
Refusal of the Card, Closed Accounts,
and Related Provisions
Refusal of the Card. We do not guarantee approval of transactions.
We are not liable for transactions that are not approved. That is true
even if you have enough credit. We may limit the number of
transactions approved in one day. If we detect unusual or suspicious
activity, we may suspend your credit privileges.
Preauthorized Charges. We may suspend any automatic or other
preauthorized card charges you arrange with a third party. We may
do this if you default; if the card is lost or stolen; or we change your
account for any reason. If we do this, you are responsible for paying
the third party directly if you wish to do so. You are also responsible
for reinstating the preauthorized charges if you wish to do so and we
Lost or Stolen Cards, Account Numbers, or Cash Convenience
Checks. You must call us if any card, account number, or check is lost
or stolen. You must also call us if you think someone used or may
use them without permission. When you call, we may require you to
provide information to help our investigation. We may require you to
provide this information in writing. For example, we may ask you to
identify any charges that were not made by you or someone
authorized by you. We may also ask you to confirm that you received
no benefit from those charges.
Closing Your Account. You may close your account by notifying us in
writing or over the phone. If you close your account, you must still
repay the total balance in accordance with this Agreement. We may
also close your account or suspend account privileges at any time for
any reason. We may do this without prior notice to you. We may also
reissue a different card at any time. You must return any card to us
PLEASE READ THIS PROVISION OF THE AGREEMENT
CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE
RESOLVED BY BINDING ARBITRATION. ARBITRATION
REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE
RIGHT TO A JURY AND THE RIGHT TO INITIATE OR
PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING.
IN ARBITRATION, A DISPUTE IS RESOLVED BY AN
ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION
PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT
Aqreement to Arbitrate: Either you or we may, without the other’s
consent, elect mandatory, binding arbitration for any claim, dispute,
or controversy between you and us (called “Claims”).
What Claims are subject to arbitration? All Claims relating to your
account, a prior related account, or our relationship are subject to
arbitration, including Claims regarding the application, enforceability,
or interpretation of this Agreement and this arbitration provision. All
Claims are subject to arbitration, no matter what legal theory they
are based on or what remedy (damages, or injunctive or declaratory
relief) they seek. This includes Claims based on contract, tort
(including intentional tort), fraud, agency, your or our negligence,
statutory or regulatory provisions, or any other sources of law;
Claims made as counterclaims, cross-claims, third-party claims,
interpleaders or otherwise; and Claims made independently or with
other claims. A party who initiates a proceeding in court may elect
arbitration with respect to any Claim advanced in that proceeding by
any other party. Claims and remedies sought as part of a class
action, private attorney general or other representative action are
subject to arbitration on an individual (non-class, non-representative)
basis, and the arbitrator may award relief only on an individual (nonclass,
Whose Claims are subject to arbitration?-Not only ours and yours,
but also Claims made by or against anyone connected with us or you
or claiming through us or you, such as a co-applicant or authorized
user of your account, an employee, agent, representative, affiliated
company, predecessor or successor, heir, assignee, or trustee in
What time frame applies to Claims subject to arbitration? Claims
arising in the past. present, or future, including Claims arising before
the opening of your account, are subject to arbitration.
Broadest interpretation. Any questions about whether Claims are
subject to arbitration shall be resolved by interpreting this arbitration
provision in the broadest way the law will allow it to be enforced.
This arbitration provision is governed by the Federal Arbitration Act
What about Claims filed in Small Claims Court? Claims filed in a
small claims court are not subject to arbitration, so long as the
matter remains in such court and advances only an individual (nonclass,
What about debt collections? We and anyone to whom we assign
your debt will not initiate an arbitration proceeding to collect a debt
from you unless you assert a Claim against us or our assignee. We
and any assignee may seek arbitration on an individual basis of any
Claim asserted by you, whether in arbitration or any proceeding,
including in a proceeding to collect a debt. You may seek arbitration
on an individual basis of any Claim asserted against you, including in
a proceeding to collect a debt.
How Arbitration Works
How does a party initiate arbitration? The party filing an
arbitration must choose one of the following two arbitration firms
and follow its rules and procedures for initiating and pursuing an
arbitration: American Arbitration Association or JAMS. Any
arbitration hearing that you attend will be held at a place chosen by
the arbitration firm in the same city as the U.S. District Court closest
to your then current billing address, or at some other place to which
you and we agree in writing. You may obtain copies of the current
rules of each of the arbitration firms and forms and instructions for
initiating an arbitration by contacting them as follows:
American Arbitration Association
Website: WW.’bj.§ _ msadr.com
At any time you or we may ask an appropriate court to compel
arbitration of Claims, or to stay the litigation of Claims pending
arbitration, even if such C!aims are part of a !avvsuit, unless a trial has
begun or a final judgment has been entered. Even if a party fails to
exercise these rights at any particular time, or in connection with any
particular Claims, that party can still require arbitration at a later
time or in connection with any other Claims.
What procedures and law are applicable in arbitration? A single,
neutral arbitrator will resolve Claims. The arbitrator will be either a
lawyer with at least ten years experience or a retired or former judge,
selected in accordance with the rules of the arbitration firm. The
arbitration will follow procedures and rules of the arbitration firm in
effect on the date the arbitration is filed unless those procedures and
rules are inconsistent with this Agreement, in which case this
Agreement will prevail. Those procedures and rules may limit the
discovery available to you or us. The arbitrator will take reasonable
steps to protect customer account information and other confidential
information if requested to do so by you or us. The arbitrator will
apply applicable substantive law consistent with the FAA and
applicable statutes of limitations, will honor claims of privilege
recogn1zed at law, and will have the power to award to a party any
damages or other relief provided for under applicable law. You or we
may choose to have a hearing and be represented by counsel. The
arbitrator will make any award in writing and, if requested by you or
us, will provide a brief statement of the reasons for the award. An
award in arbitration shall determine the rights and obligations
between the named parties only, and only in respect of the Claims in
arbitration, and shall not have any bearing on the rights and
obl1gat1ons of any other person, or on the resolution of any other
Who pays? Whoever files the arbitration pays the initial filing fee. If
we file, we pay; if you file, you pay, unless you get a fee waiver under
the applicable rules of the arbitration firm. If you have paid the initial
filing fee and you prevail, we will reimburse you for that fee. If there
is a hearing, we will pay any fees of the arbitrator and arbitration firm
for the first day of that hearing. All other fees will be allocated as
provided by the rules of the arbitration firm and applicable law.
However, we will advance or reimburse your fees if the arbitration
firm or arbitrator determines there is good reason for requiring us to
do so, or if you ask us and we determine there is good reason for
doing so. Each party will bear the expense of that party’s attorneys,
experts, and witnesses, and other expenses, regardless of which party
prevails, but a party may recover any or all expenses from another
party if the arbitrator, applying applicable law, so determines.
Who can be a party? Claims must be brought in the name of an
individual person or entity and must proceed on an individual (nonclass,
non-representative) basis. The arbitrator will not award relief
for or against anyone who is not a party. If you or we require
arbitration of a Claim, neither you, we, nor any other person may
pursue the Claim in arbitration as a class action, private attorney
general action or other representative action, nor may such Claim be
pursued on your or our behalf in any litigation in any court. Claims,
including assigned Claims, of two or more persons may not be joined
or consolidated in the same arbitration. However, applicants, coapplicants,
authorized users on a single account and/or related
accounts, or corporate affiliates are here considered as one person.
When is an arbitration award final? The arbitrator’s award is final
and binding on the parties unless a party appeals it in writing to the
arbitration firm within fifteen days of notice of the award. The appeal
must request a new arbitration before a panel of three neutral
arbitrators designated by the same arbitration firm. The panel will
consider all factual and legal issues anew, follow the same rules that
apply to a proceeding using a single arbitrator, and make decisions
based on the vote of the majority. Costs will be allocated in the same
way they are allocated for arbitration before a single arbitrator. An
award by a panel is final and binding on the parties after fifteen days
has passed. A final and binding award is subject to judicial review
and enforcement as provided by the FAA or other applicable law.
Survival and Severability of Terms
This arbitration provision shall survive: (i) termination or changes in
the Agreement, the account, or the relationship between you and us
concerning the account; (ii) the bankruptcy of any party; and (iii) any
transfer, sale or assignment of your account. or any amounts owed on
your account, to any other person or entity. If any portion of this
arbitration provision is deemed invalid or unenforceable, the entire
arbitration provision shall not remain in force. No portion of this
arbitration provision may be amended, severed or waived absent a
written agreement between you and us.
Governing Law and Enforcing our Rights
Governing Law. Federal law and the law of South Dakota, where we
are located, govern the terms and enforcement of this Agreement.
Enforcing this Agreement. We will not lose our rights under this
Agreement because we delay in enforcing them or fail to enforce
Collection Costs. To the extent permitted by law, you are liable to us
for our legal costs if we refer collection of your account to a lawyer
who is not our salaried employee. These costs may include
reasonable attorneys’ fees. They may also include costs and
expenses of any legal action.
Assignment. We may assign any or all of our rights and obligations
under this Agreement to a third party.
For Further Information
Call us toll-free for further information. Call the toll-free Customer
Service telephone number shown on the billing statement or on the
back of your card. You can also call local or toll-free Directory
Assistance to get our telephone number.
P.O. Box 6000
Sioux Falls, SD 57117
Annual Percentage Rate
(APR) for Purchases
APR for Cash Advances
Minimum Interest Charge
For Credit Card Tips from
the Consumer Financial
. Cash Advance
Penalty Fees . Late Payment
. Returned Payment
This APR will vary with the market based on the Prime Rate.
This APR will vary with the market based on the Prime Rate.
Your due date is at least 25 days after the close of each billing cycle.
We will not charge you any interest on purchases if you pay your entire
balance by the due date each month. We will begin charging interest on
cash advances on the transaction date.
If you are charged interest, the charge will be no less than $2.
To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Up to $35 .
Up to $35 .
How We Will Calculate Your Balance: We use a method called “daily balance (including current
transactions).” See the Card Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided
in the Card Agreement.
The information about the costs of the card described in this application is accurate as of November 1, 2012.
This information may have changed after that date. To find out what may have changed, write to us at
Citibank, N.A., P.O. Box 6403, Sioux Falls, SD 57117.
New York residents may contact the New York State Banking Department to obtain a comparative listing of credit ca rd rates, fees and
grace periods by ca lling 1·877-226-5697.
rmn WHAT DOES CITIBANK DO WITH
– YOUR PERSONAL INFORMATION?
Financial companies choose how they share your
personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law
also requires us to tell you how we collect share, and
protect your personal information. Please read this
notice carefully to understand what we do.
The types of personal information we collect and
share depend on the product or service you have
with us. This information can include:
·Social Security number and income
·account balances and employment information
·credit history and transaction history
All financial companies need to share customers’
personal information to run their everyday business.
In the section below, we list the reasons financial
companies can share their customers’ personal information;
the reasons Citibank chooses to share;
and whether you can limit this sharing.
For our marketing purposes –
to offer our products and services
For joint marketing with other financial
For our affiliates’ everyday business
information about your transactions
For our affiliates’ everyday business
information about your creditworthiness
For our affiliates
to market to you
For our nonaffiliates
to market to you
Call1-877-491-0608- our menu will prompt you
through your choice(s).
If you are a new customer, we can begin sharing your
information 30 days from the date we sent this notice.
When you are no longer our customer, we continue to
share your information as described in this notice.
However, you can contact us any time to limit our
Call1-877-491-0608 or call the Customer Service
number on the back of your credit card or on your
Why can’t I
To protect your personal information from
unauthorized access and use, we use security
measures to comply with federal law. These
measures include computer safeguards and
secured files and buildings.
We collect your personal information, for example,
• provide account information or give us your contact
• provide employment information or apply for a loan
• use your credit or debit card
We also collect your personal information from
others, such as credit bureaus, affiliates, or other
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposesinformation
about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you
additional rights to limit sharing. See below for
more on your rights under state law.
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
• Our affiliates include companies with a Citi name;
financial companies such as Citi Global Markets, Inc.
and Banamex USA.
Nonaffiliates Companies not related by common ownership or
control. They can be financial and nonfinancial
• Nonaffiliates we share with can include companies
engaged in direct marketing and the selling of
consumer products and services.
A formal agreement between nonaffiliated financial
companies that together market financial products
and services to you.
For Vermont Residents: We will not share information we collect
about you with nonaffiliated third parties, except as permitted by
Vermont law, such as to process your transactions or to maintain
your account. In addition, we will not share information about your
creditworthiness with our affiliates except with your authorization.
For California Residents: We will not share information we collect
about you with nonaffiliated third parties, except as permitted by
California law, such as to process your transactions or to maintain
We may share your personal information, as permitted by law,
with the retailer whose name is on your card and with the
companies related to the retailer. You cannot limit this sharing.
lfllPO rta n_tl nforroi3t i o ni3 bout C:r~cJitReport i ng
We may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account
may be reflected in your credit report.
Your Billing Rights:
Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under
the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement. write to us at the
address for billing inquiries and correspondence shown on the front
of your statement.
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your
bill, describe what you believe is wrong and why you believe it is
You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is
scheduled, if you want to stop payment on the amount you think
You must notify us of any potential errors in writing. You may call us,
but if you do we are not required to investigate any potential errors
and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we
received your letter. We will also tell you if we have already
corrected the error.
2. Within 90 days of receiving your letter, we must either correct
the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you
as delinquent on that amount.
• The charge in question may remain on your statement. and we
may continue to charge you interest on that amount.
• While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• l.f_we mag_~ a mistake: You will not have to pay the amount in
question or any interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay
the amount in question, along with applicable interest and fees.
We will send you a statement of the amount you owe and the
date payment is due. We may then report you as delinquent if
you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you
must write to us within 10 days telling us that you still refuse to pay.
If you do so, we cannot report you as delinquent without also
reporting that you are questioning your bill. We must tell you the
name of anyone to whom we reported you as delinquent. and we
must let those organizations know when the matter has been settled
If we do not follow all of the rules above, you do not have to pay the
first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card
If you are dissatisfied with the goods or services that you have
purchased with your credit card, and you have tried in good faith to
correct the problem with the merchant, you may have the right not to
pay the remaining amount due on the purchase.
To use this right. all of the following must be true:
1. The purchase must have been made in your home state or
within 100 miles of your current mailing address, and the
purchase price must have been more than $50. (Note: Neither
of these are necessary if your purchase was based on an
advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with
the purchase, contact us in writing at the address for billing inquiries
and correspondence shown on the front of your statement.
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point. if we think you owe an amount and you do
not pay, we may report you as delinquent.
© 2012 Citibank, N.A.