This Agreement will become effective when: (1) you sign the MasterCard or VISA credit card issued in connection with your Account (the 'Card'); (2) you use (or someone you authorize uses) the Card; (3) 30 days pass after the Card is issued to you; or (4) you call and activate the Card, whichever occurs first. HOWEVER, YOU MAY STILL REJECT THIS AGREEMENT, PROVIDED THAT YOU HAVE NOT YET USED THE ACCOUNT OR PAID A FEE AFTER RECEIVING A BILLING STATEMENT. IF YOU DO REJECT THE AGREEMENT, YOU ARE NOT RESPONSIBLE FOR ANY FEES OR CHARGES. TO REJECT, SEE SECTION A.
FIRST CHOICE BANK, KINGSTON, NEW JERSEY CREDIT CARD AGREEMENT FOR SECURED CARDS
THIS AGREEMENT INCLUDES A BINDING ARBITRATION PROVISION (SECTION HH) WHICH, IF NOT REJECTED TIMELY AND PROPERLY BY YOU (SEE SECTION HH(13)), MAY REPLACE YOUR RIGHT TO GO TO COURT AS WELL AS OTHER RIGHTS YOU MAY HAVE, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. YOUR REJECTION OF ARBITRATION WILL NOT HAVE ANY IMPACT ON YOUR RIGHT TO CREDIT OR THE TERMS OF THIS AGREEMENT.
Table of Contents
A. Definitions and General Terms; Right to Reject Agreement....................................................... B. Other Defined
Terms ....................................................................................................................
C. Using Your Account to Obtain Credit..........................................................................................
D. Credit Limit for Your Account; Credit Limit for Cash Advances; Security Limitations on Your Use of Your Account................................................................................................................
E. Credit Availability........................................................................................................................
F. Promise to Pay, Accord and Satisfaction, and Electronic Check Conversion..............................
G. Statements....................................................................................................................................
H. Our Charges .................................................................................................................................
1. Annual Fee..............................................................................................................................
2. Late Fee ...................................................................................................................................
3. Returned Payment Fee............................................................................................................
4. Interest Charges ......................................................................................................................
5. Cash Advance Fees.................................................................................................................
6. Optional Expedited Payment Fee............................................................................................
7. Copying Charges .....................................................................................................................
8. Reinstatement Fee...................................................................................................................
9. Stop Payment Fee ...................................................................................................................
10. Additional Card Fee.............................................................................................................. 11. Replacement Card Fee..........................................................................................................
