ii. The above example remains the same, regardless of whether or not the terms and conditions applicable to each open account differ (or to what extent). For example, let`s say that with respect to the 3,000 open accounts of the card issuer whose credit cards can only be used with Merchant A in the example above, 1,000 of the open accounts have a purchase APR of 12%, 1,000 of the open accounts have a purchase APR of 15%, and 1,000 of the opened accounts have a purchase APR of 18%. The 5,000 accounts opened with credit cards that can only be used with Merchant B and Merchant B affiliates have the same 15% purchase efficiency. The card issuer still has only two separate private label credit card plans within the meaning of § 1026.58 (b) (8). Accounts opened with credit cards that can only be used at Merchant A do not constitute three separate private label credit card plans under § 1026.58(b)(8), although the accounts are subject to different terms. (5) Offers. For the purposes of this Section, “offers” or “an issuer offers an agreement” to the public when the issuer solicits or accepts requests for accounts that would be subject to that agreement. (6) Open an account. For the purposes of this section, an account is an “open account” or an “open credit card account” if it is a credit card account under an open (unsecured at home) consumer credit plan and either: Look on the back of the credit card or on your last monthly statement to find the name of the issuer. The bank, retailer or other company whose name appears on the front of the card may not be the actual issuer of the card.

You can also consult the issuer`s website; As a rule, the name of the bank is indicated at the bottom of the issuer`s home page. ii. Changes to the name, logo or slogan of the card issuer. (iii) Optional addition of variable terms. The provisions of the Agreement other than pricing information, which may vary from cardholder to cardholder depending on the creditworthiness of the cardholder or country of residence or other factors, may be set out in a single addendum to the Separate Agreement from the Price Information Addendum. (B) The date on which the cardholder`s application under section 1026.58(e)(1)(ii) or (e)(2) is received. 1. The requirement applies only to agreements submitted to the Bureau. Card issuers are only required to publish and maintain on their publicly available websites credit card agreements that the card issuer is required to submit to the Agency pursuant to section 1026.58(c).

For example, if a card issuer is not required to submit agreements to the Office because it is eligible for the de minimis exception provided for in Article 1026.58(c)(5), the card issuer is not required to publish and maintain agreements on its website in accordance with Article 1026.58(d). If a card issuer is not required to submit a specific agreement to the office, e.B. an agreement eligible for the private label exemption under § 1026.58(c)(6) is not obligated by the card issuer to publish and maintain this agreement in accordance with § 1026.58(d) (either on the card issuer`s publicly accessible website or on merchants` publicly accessible websites where private label credit cards may be used). (In both cases, the card issuer is also required to grant each cardholder access to their specific credit card agreement pursuant to section 1026.58(e) by posting and maintaining the agreement on the card issuer`s website or by providing a copy of the agreement at the request of the cardholder.) (a) applicability. The requirements of this section apply to any card issuer that issues credit cards under a credit card account under an open (non-home-backed) consumer credit plan. You can unsubscribe from certain parts of your credit card agreement, such as the arbitration clause, but this depends on the credit card issuer. 1. The requirement shall apply to all accounts opened. The obligation to grant access to credit card agreements under section 1026.58(e) applies to all credit card accounts opened, which such agreements must be submitted to the Agency in accordance with section 1026.58(c) (or must be posted on the card issuer`s website in accordance with section 1026.58(d)).

For example, a card issuer that is not required to submit agreements to the Agency because it qualifies for the de minimis exception under section 1026.58(c)(5)) would still be required to grant cardholders access to their specific agreements under section 1026.58(e). Similarly, an agreement that is no longer available to the public would not have to be submitted to the Presidium in accordance with § 1026.58 (c), but should always be made available to the cardholder to whom it applies in accordance with § 1026.58 (e). Ii. In addition, section 1026.58(d)(1) provides that an issuer may comply with section 1026.58(d) with respect to an agreement offered solely for accounts under one or more private label credit card plans by posting the agreement on the publicly available website of at least one of the merchants where the credit cards issued under each branded credit card plan private with 10,000 or more open accounts; can be used. This rule does not depend on whether cardholders can access account-specific information through the merchant`s website. (iv) Agreements published or otherwise made available in accordance with Article 1026.58(e) shall contain the specific terms and fare information applicable to the applicable cardholder. Information on regulations and prices must be published on a date not exceeding 60 days before the 4th. .