Cardholder Agreement

Variable APRs, fees, and the method we use to compute interest are described in the Schumer Box and incorporated here. We allocate payments consistent with applicable law. No penalty APR.

Your Payment Due Date is at least 25 days after statement close. You must pay at least the Minimum Payment shown on each statement. You may pay by ACH, debit, or other methods we make available. We may accept late or partial payments without waiving our rights.

If offered, rewards accrue and redeem per the Rewards Terms. Rewards have no cash value, are not interest-bearing, and may be forfeited upon account closure or default. Rewards are tracked on-chain for transparency and auditability.

You are in default if you fail to pay on time, exceed your credit limit, or breach this Agreement. Upon default we may limit or close your account, require immediate payment of all amounts due, and pursue permitted collection remedies.

We may report your performance to consumer reporting agencies. If we take adverse action, we'll provide required ECOA/Reg B and FCRA notices.

You have rights under FCBA (Fair Credit Billing Act). Contact us using the instructions on your statement within the required time period.

Tell us at once if your Card is lost or stolen. You are not liable for unauthorized credit charges that occur after you notify us, per network rules.

We may change this Agreement as permitted by law. We will provide any required notice in advance.

This Agreement is governed by federal law and, to the extent not preempted, the law of [Governing State of Issuer]. Binding arbitration clause attached (opt-out within 60 days).

Membership benefits are separate from the credit account and may be canceled at any time. Canceling membership does not close your credit account.

You consent to receive electronic disclosures. Keep your contact info current.