Consumer Credit Card Agreement and Disclosure Statement
Effective Date 11/01/2023
(a) INTRODUCTION.
(i) This Consumer Credit Card Agreement and Disclosure Statement ("Agreement") is a legal contract between you and Zions Bancorporation, N.A. ('Bank', 'we' or 'us' ), the administrator of your Account and the issuer of your Card. Together with your Card Application and the Card Carrier, this Agreement contains the terms and conditions that govern your Account. It replaces all previous agreements, as amended, and related disclosures for your Account. Please review this Agreement carefully and keep it in your records.
Your Card, Billing Statement, and other printed or electronic materials associated with your Account will bear the name of the Bank division appearing at the top of this Agreement.
(ii) Accepting Or Declining This Agreement. This Agreement is automatically accepted by you on the earlier of 15 days after you receive your Card, or immediately upon any use of your Card or Account. If you wish to decline this Agreement, do not use your Card or Account and cancel them within 15 days of receiving your Card by calling 1-866-749-7459 or writing to the address in the Card Carrier.
(iii) Amending This Agreement . We may amend, add or delete any term of this Agreement at any time (each such revision , a 'Change') . Notice of a Change (a 'Change Notice ') may be enclosed with or appear on your printed Billing Statement or appear on your electronic Billing Statement. A Change Notice will advise you of the effective date of a Change and any rights you have under applicable law to reject the Change.
To reject a Change, you must inform us in the manner and within the time specified in the Change Notice. We will then close your Account and you will be required to pay your Outstanding Balance as provided by applicable law. If a Change requires your consent, we may obtain your consent verbally, in writing, or electronically. Whether or not your consent is required, any use of your Account after the effective date of a Change will constitute your consent and acceptance of the Change.
(iv) Credit Limit. Your Account's initial Credit Limit appears in the Card Carrier. Your updated Credit Limit appears on each Billing Statement. You must not use or allow others to use your Card or Account in a way that causes your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance even if it exceeds your Account's Credit Limit. We may increase or decrease your Credit Limit at any time and will notify you of such change. You may request a change in your Credit Limit by contacting us.
(b) DEFINITIONS. The definitions listed below will apply to this Agreement, your Account 's Billing Statement, and other printed or electronic materials associated with your Account.
Account -Your Visa credit card account, together with the associated Account number, all credit we extend under the Account, and all Cards and Credit Card Checks we issue under the Account.
Accountholder -Each person who applied for and in whose name your Account was opened.
Authorized User -A person to whom we issue a Card and give access to your Account at your request. You agree to inform each Authorized User that sections of this Agreement apply to them.
Billing Period -The period of time that ends on the Closing Date appearing on a Billing Statement and begins on the day after the Closing Date appearing on the immediately preceding Billing Statement. A Billing Period is usually 28-33 days. (See the Your Account Billing Statements section below.)
Card -A credit card and associated card number that we issue to an Accountholder or Authorized User as part of your Account. Each Accountholder and Authorized User must sign the back of the Card issued to them before using the Card.
Card Application -The application you submitted to the Bank to request the Account.
Card Carrier -The documents that accompany a Card delivered to an Accountholder or Authorized
