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. You are not specific to a person`s account information. If you are looking for information specific to your account, contact the bank or institution that issued your card. By law, the issuer must provide you with your consent upon request. If you have difficulty obtaining your consent, you notify us by filing a complaint. A consumer who has entered into a pre-authorized payment agreement with a merchant under which payments are made from credit obtained under a credit card agreement may at any time terminate the contract by sending a notification to the merchant. We have put together marketing agreements for credit card issuers with universities or affiliated organizations. We also have an obligation to report to Congress on the status of university credit card agreements. Although their details vary, most cardholder agreements are written in a simple format and tone.

They address key issues such as the services available to the cardholder; the cardholder`s obligations to the issuing entity; interest rates, penalties and other costs that may be incurred in different circumstances; and the methods of handling disputes between the cardholder and the issuer, if they occur. This search method applies to all credit card agreements as of the last quarterly collection of CFPB credit card contracts. To access all agreements from recent or previous periods, please click on the contractual link below. (Please note that the Bureau has not received agreements for 2015. The January 2016 archive is a sample collected by Bureau staff from the publicly accessible websites of the largest credit card issuers during the first week of January 2016 and does not constitute a complete set of agreements). Credit card issuers are generally required to publish on their websites the credit card agreements they offer to the public, with limited exceptions. If you are an exhibitor, email CardAgreements@consumerfinance.gov to receive instructions on how to submit agreements. We have provided this database so that you can search for agreements between credit card issuers and their customers. The agreements in this database contain general terms and conditions of sale, prices and information on fees. . . .