Visa Credit Card Agreement

Transcription

1 Visa Credit Card Agreement *Effective January, 2011, the Disclosure Statement is incorporated herein by this reference. In this Visa Credit Card Agreement* (this Agreement ), the words we, us and our means Honolulu Federal Credit Union (HFCU), the words "you" and "your" means each person who individually, jointly and/or by guarantor agreement submitted a Application (the Application ) for a Visa credit card Account in his or her name. The words your Account and your Card means the Visa Platinum, Gold or Classic credit card Account we opened in your name and the Visa Credit Card(s) we issued to you. Your Agreement With Us. By signing and submitting the Application, and by accepting, signing or using your Card(s), you agree to be liable for all purchases, advances, fees and charges arising from the use of your Card(s) and/or your Account. Each of you agrees to be bound by this Agreement and to be totally liable individually and jointly, even if your Account is canceled or terminated. We may collect from or sue any one or more of you without giving up any of our rights against the others. This Agreement is also binding upon your heirs and personal representatives in probate and upon anyone to whom you assign your assets to or to whom succeeds them in any other way. You may not assign your rights to anyone under this Agreement without submitting a written request, to us, stating your intentions. You must obtain our written approval prior to having such a request or consent granted. For purposes of this Agreement, all purchases of goods and/or services you make with your Card(s) are called your "Credit Purchases" or "Purchases. Cash advances obtained by the use of your Card(s) are called "Cash Advances" or "Advances". The word "Charges include all Interest Charges, Late Charges, Scheduled Charges, Collection Costs and all other charges whatsoever arising from or in connection with your use of your Card and/or your Account. All Charges, other than Finance Charges, will be added to your Account and treated as Purchases. The word "PIN" means the personal identification number we issue to you for you to access your Account through an automated teller machine ( ATM ). The word "Statement" or the word "Bill" means the monthly statement for your Account. The address for inquiries you make to us in connection with your Card(s) and/or Account is the address indicated on your Statement after the phrase "Send Inquiries To". 1) Credit Information. By signing the Application, you authorized us to verify the information in it and to verify your credit information in order to open your Account. By issuing your Card(s), you authorize us to obtain credit reports and to provide credit information to and on your Account from time to time, and you authorize us to receive and provide credit information about you, now and in the future. 2) Pledge of Shares, Security Interest, Shared Secured, Right to Offset and Judgment. Your Pledge of Shares, Your Security Interest and Our Right to Offset: You pledge to us and grant a security interest in all Individual and Joint Deposit Account(s) you have with us now and in the future at this institution, to secure your Visa Account. If you default under the terms of this Agreement, you authorize HFCU to apply such funds, as agreed to when applying for the Account, to the payment of your credit-card indebtedness. Collateral securing other loans you have with HFCU may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other agreement. Shares and deposits in an Individual Retirement Account, and any other Account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given. Shared Secured Accounts: You understand that a security interest is a condition for the credit card Account and you give us a security interest by a separate Account-specific pledge of shares form. You may not withdraw amounts that have been specifically pledged to secure your Account until HFCU agrees to release all or part of the pledged amount. Judgment: If we obtain a judgment against you for anything you owe us on your Account, and neither law nor the terms of the judgment prohibits us from doing so, we may set off the judgment debt against any obligation we own (such as the balance(s) in your Account(s) without special tax treatment). 3) Credit Limit. Based on your Application, we established a credit limit for your Account (your Credit Limit ); you promise not to go over your Credit Limit. If you make Purchases or obtain Cash Advances on your Account so that your outstanding balance exceeds your Credit Limit, we may, but are not required to, honor those transactions

2 without giving up any of our rights under this Agreement. You must pay any amount over the credit limit. If your new balance exceeds your credit limit by 1% on the closing date of the billing cycle, an over the limit fee in the amount of $25.00 may be imposed on your Account. If your Account is over the limit in subsequent billing cycles, additional over the limit fees will apply for each billing cycle. Federal Regulations require that all credit cardholders opt-in or optout of an over the limit fee program. Prior to extending this coverage we will send you a consent form that explains the program. This form will require your signed authorization for this optional coverage. Failure to return that form to HFCU will result in transactions being declined that exceed your credit limit. 4) Cash Advances. You can use your Card to get Cash Advances at the counter of any financial institution where the Visa Logo is displayed. Cash Advances may be limited to the maximum dollar amount allowed by the servicing financial institution as well as our Maximum Daily Cash Advance Limits. Our maximum daily manual Cash Advance Limit at a financial institution is $1, per day and the maximum ATM daily Cash Advance Limit is $ per day. For a manual Cash Advance amount greater than $1,500.00, the request for an authorization approval will be transferred to a live operator for positive identification. For any daily limit, a day is the 24-hour period from 12 midnight Central Time to 12 midnight the following calendar day. You must physically present a valid form of identification when requesting a manual Cash Advance. 5) Interest Charges. How We Will Calculate Your Balance. We calculate [a portion of] the Interest Charge on your Account by applying the periodic rate to the "average daily balance" of your Account (including current transactions). To get the "average daily balance" we take the beginning balance of your Account each day, add any new [purchases/advances], and subtract any payments or credits, [and unpaid Interest Charges]. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance." 6) Periodic Rate(s). The periodic rate(s) applicable to purchases, cash advances, balance transfers and convenience checks are disclosed on the Disclosure Statement that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also disclosed on the Disclosure Statement. Any rate change will be made pursuant to applicable law. The rate on your Account for certain types of transactions may be an Introductory Discounted Rate or a Balance Transfer Reduced Rate that is lower than the rate that would ordinarily apply for this type of transaction. If an Introductory Discounted Rate or a Balance Transfer Reduced Rate applies to your Account, the rate and the period of time it will be effective will be disclosed at the time of the promotional offer and on that disclosure statement. After the period expires or should you be in default of a payment, the periodic rate will automatically increase to the rate(s) that would ordinarily apply for that type of transaction based on the terms of this Agreement. Interest Charges for Purchases and Cash Advances is calculated separately. a) Credit Purchases. Interest Charges on Purchases begin to accrue when the Purchase is posted to your Account. You may avoid incurring additional Interest Charges on Purchases by paying the entire balance on or before the payment due date each month. Interest Charges on Purchases for a Statement period are computed by applying the monthly periodic rate to the average daily balance of Purchases which is determined by dividing the sum of the daily balances during the Statement period cycle by the number of days in the Statement. Each daily balance is determined by adding to the previous balance of Purchases any new Purchases posted to your Account and subtracting any payments and/or credits received by us and posted to your Account, but excluding any unpaid Interest Charges. Subject to your Credit Limit, the maximum daily limit for a single Purchase is $10, For an amount greater than $10, the request for authorization approval will be transferred to a live operator for positive identification. A day is the 24-hour period from 12 midnight Central Time to 12 midnight the following calendar day. b) Cash Advances. Interest Charges on Cash Advances begin to accrue on the date you obtain the Cash Advance or the first day of the Statement period in which it is posted to your Account, whichever is later. Therefore, there is no time period within which Cash Advances may be repaid without incurring Interest Charges. The Interest Charge for a Statement period is computed by applying the monthly periodic rate to the average daily balance multiplied by the number of days in the Statement period, which is determined by dividing the sum of the daily balances during the Statement period by the number of days in the Statement. Each daily balance is determined by adding to the previous balance (the outstanding balance of your Account at the beginning of the Statement period)

3 any new Cash Advances received, and subtracting any payments as received or credits as posted to your Account, but excluding any unpaid Interest Charges. c) Balance Transfers. Balance transfers to your Account are treated as Cash Advances for the purpose of determining Interest Charges. d) Convenience Checks. Convenience Checks are treated as Cash Advances for the purpose of determining Interest Charges. 7) Fees. In addition to the periodic rate, the following additional fees may be imposed on your Account. If applicable to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your Account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. a. Annual Fee. If your Account is subject to an Annual Fee, the fee will be charged to your Account upon the issuance of your card. Each year following, the annual fee will be charged to your Account during the same month that you were first charged the fee. The fee will be charged each year until your Account is closed and paid in full. b. Balance Transfer. A Balance Transfer fee will be assessed to each Balance Transfer Transaction based on the Disclosure accompanying this Agreement. c. Foreign Transaction Fee (Interest Charge). If your Account is subject to a Foreign Transaction Fee, a fee may be charged to your Account for transactions made outside of the United States or in a foreign currency. See Section 15 of this Agreement and the Disclosure Statement accompanying this Agreement. d. Late Payment Fee. If your Account is subject to a Late Payment Fee, the fee amount that will be charged to your Account when you do not make the required minimum payment by the 28 th Calendar Day of each month is based on the Disclosure Statement accompanying this Agreement. e. Over-the-Credit Limit Fee. If your Account is subject to an Over-the-Credit Limit Fee, the fee amount that will be charged to your Account when your Account balance exceeds your Credit Limit is based on the Disclosure Statement accompanying this Agreement. f. Returned Payment Fee. If your Account is subject to a Returned Payment Fee, the fee amount that will be charged to your Account when a payment is returned to you for any reason is based on the Disclosure Statement accompanying this Agreement. g. Convenience Check Copy Fee. If your Account is subject to a Convenience Check Copy Fee, the fee amount that will be charged to your Account is based on the Disclosure Statement accompanying this Agreement. h. Card or PIN Replacement Fee. If your Account is subject to a card or PIN Replacement Fee, the fee amount that will be charged to your Account based on the Disclosure Statement accompanying this Agreement. i. Statement Copy Per Page Fee. If your Account is subject to a Statement Copy Per Page Fee, the fee amount that will be charged to your Account based on the Disclosure Statement accompanying this Agreement. 8) Daily Transaction Limits. The following transaction limits apply to your Account: a) Purchases. Purchases are limited to ten (10) per day. This limit is subject to temporarily increase to fifteen (15) during the winter holiday shopping season. A day is the 24-hour period from 12 midnight Central Time to 12 midnight the following calendar day. b) Cash Advances. Cash Advances are limited to four (4) per day. There are no exceptions to the limit in Cash Advances. 9) Minimum Payment. You agree to pay the minimum payment due each month on the 28th calendar day of that month plus any amount past due each month. The monthly minimum payment will be 3% of the outstanding Account balance, rounded up to the nearest dollar, or $15.00, whichever is greater. Any outstanding balance less than $15.00 is payable in full. Additionally, if you exceed your Credit Limit in any billing period, you must pay the amount in excess of your Credit Limit along with the regular minimum payment required. 10) Large Payment Amounts of $5000 or Greater. Payments in excess of $4, (US Dollars) are subject to a check clearing period of eight (8) business days; a funds on-hold period. The payment will post to your Account on the date we receive it but, will not be applied to your available Credit Limit until the funds on-hold period expires. If you need the funds released sooner, we recommend that you contact the Loan/Visa Department, in advance, for funds verification and request the hold be removed. We reserve the right to decline any request for release of funds on hold when a large payment is made using a personal check, third party check, a convenience check or out of state check. 11) Application of Payments. Minimum Payments will be applied to your Account in the manner chosen by HFCU

4 subject to applicable law. If your payment exceeds the required minimum periodic payment, we will allocate the excess to the balance with the highest APR first, based on the day payment is credited, including transactions that occur after the close of the billing cycle. 12) Entire Balance Due. If you miss a payment or break one of your promises under this Agreement, we may accelerate all your payments. In other words, we may demand that the entire unpaid Account balance be payable immediately. We do not have to provide you advance notice for such a demand. We also reserve the right to suspend/revoke your Card privileges at any time. Suspension or Revocation of your Card privileges will occur if you make any false or misleading statement on the Application, or if there is an adverse change in your financial condition, if there is an adverse change to your income, if you die, if you file for bankruptcy and/or if any other creditor attempts to seize your property. 13) Irregular Payments. We can accept late payments or partial payments, or share drafts, checks and money orders marked Payment in Full without losing any of our rights under this agreement. If you in good faith, tender a partial payment to us as full satisfaction of a claim that is not liquidated or is subjected to a bona fide dispute, you must send the partial payment to us at HFCU, P.O. Box 2428, Honolulu, HI , with a description of the error. See section 32 and section 33 of this Agreement for more information. 14) Collection Costs. To the extent permitted by law, if we have to sue you to collect anything you owe us under this Agreement, you promise to pay all collection costs, including reasonable attorney s fees and court costs, subject to HFCU providing notification to you as required by law. You must pay such amounts when we demand them. Collection costs will be treated like any purchase made under this Agreement and applied to your outstanding balance. 15) Foreign Transactions. Purchases, cash advances and credits made in foreign currency will be billed to you in U.S. dollars and appear on your billing statement as converted. The conversion rate to dollars will be made in accordance with the most current operating regulations for international transactions established by Visa. The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date. This rate may vary from the rate Visa itself receives or the government mandated rate in effect for the applicable central processing date. At this time HFCU does not pass on the 1% International Transaction Fee to you, as our cardholder. 16) Periodic Statements and Transaction Receipts. We will send you a statement for each monthly billing period in which your Visa Account has an outstanding balance or when a payment or a credit posts resulting in a zero balance. Your statement will identify the merchant, the financial institution or the ATM at which the transaction took place. Sales slips, cash advances, credits or other transaction receipts will not be returned with the statement. You will retain a copy of the transaction receipt furnished at the time of the transaction in order to verify the statement. 17) Disputes with Merchant OR Billing Errors. We are not responsible for the refusal of any merchant or financial institution that does not honor your Visa Card. You may contact Visa directly when your Visa Card has not been honored at Visa911. If you have a dispute with a merchant or financial institution from whom you purchased goods or services or received cash advances with your Visa Card, Visa requires that you make a good faith attempt to resolve the dispute with the merchant or financial institution. If you feel that the dispute is not resolved you are then required to send written notice of the dispute to us at Customer Service, P.O. Box 31112, Tampa, FL and to the seller or financial institution. We will then investigate the dispute and take such action as required under the Federal Truth in Lending Act and Visa Regulations. For more information refer to the YOUR BILLING RIGHTS AND RESPONSIBILITIES or YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES section 32 and section 33 of this Agreement. If we credit your Account for any disputed amount, you agree that we will be subrogated to and you shall assign to us, all rights that you have against the merchant or financial institution. You also will do whatever is necessary to enable us to exercise our rights and will cooperate with us, and you will not prejudice our rights. You further agree that we have the right to reverse any credits that we apply, and that you will indemnify and hold us harmless with respect to any dispute, to the full extent permitted by law. 18) Returns and Adjustments. Merchants and others who honor your Card may give credit for returns or adjustments, and they will do so by sending HFCU a credit slip which will be posted to your Account. If your credits and payments exceed your balance owed, the excess amount will be applied against future purchases and cash

5 advances; if the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months. 19) Waiver. You agree, and everyone signing for you as joint applicant or guarantor agrees, to be liable for the repayment of everything you owe under this contract even if we do not follow all of the legal procedures (such as diligence, demand, presentment, and notice and protest of dishonor) that we might be required to follow in the absence of this waiver. You are not, however waiving your right to notice and an opportunity to be heard if we bring suit on this contract. In addition you consent, and everyone signing for you as joint applicant or guarantor consents, to any relief that we give with respect to time for payment (such as extensions or postponements or even multiple extensions for longer than the original period), or that in any other way impair or suspend our remedies or rights. We shall not waive any of our rights under this contract by giving you or anyone else relief. No waiver, consent or approval by us will be effective unless it is in writing and our authorized representative has signed it. 20) Change of Terms. We can change the terms of this Agreement and the Disclosure Statement from time to time. Notice of any change will be given in accordance with applicable law, at this time the notification should arrive to you forty-five (45) days before the change is to be effective. You will have the choice to reject the changes in the terms of the Account. If you chose to opt-out of the changes, your Account will be closed and you will no longer be able to use your credit card for purchases, cash advances or balance transfers. You are also responsible for any transactions made to your Account after termination. CUReward points that you have earned on your Visa Account will be forfeited, however, you may then pay off your balance under your current terms. If permitted by law and specified in the notice to you, the change will apply to your existing Account balance as well as to future transactions. 21) Account Closures. Except where specific written notice is required by law, we can cancel your Account at any time by phone or in writing. You are responsible for any transactions made to your Account after termination unless the transaction was unauthorized. Your request for Account closure must be submitted in writing to HFCU, P.O. Box 2428, Honolulu, HI The Card or Cards you received remain the property of HFCU and you must recover and surrender to HFCU all Cards upon request or termination of this Agreement. 22) Loss of Card. You must IMMEDIATELY notify the Credit Card Security Department of any loss, theft or possible unauthorized use of your Visa Card. Telephoning is the best way of keeping your losses limited. The 24 hour phone number to contact us is: , or write to us at: Credit Card Security Department, P.O. Box 31281, Tampa, FL Replacement cards will be issued at the discretion of HFCU. 23) Liability. You may not be liable for unauthorized use which occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case your liability will not exceed $ Subject to investigation, verification of your claim, Account standing and history, you may have no liability for unauthorized Purchases made with your Card through Visa, unless you acted with gross negligence or fraud, or delayed in reporting unauthorized use. 24) Unauthorized Use. You are responsible for purchases and advances made by anyone to whom you give the Visa Card, and this responsibility continues until the Visa Card is recovered. You cannot disclaim this responsibility by notifying us, but we will close your Visa Account for new purchases and advances if you so request and you return all Visa Cards to us. Your obligation to pay the entire Visa Account balance continues even though an agreement, divorce decree or other court judgment to which we are not a party to may direct you or one of the other persons responsible to pay the Visa Account balance. You agree to cooperate fully with the investigation of any unauthorized use regarding your Account, to file complete and truthful reports with criminal law enforcement agencies, and to give complete and truthful testimony. At our request, you agree that (a) we will be subrogated to, and you shall assign to us, all rights that you have against any unauthorized user, (b) you will do whatever is necessary to enable us to exercise our rights and will cooperate with us, and c) you will not prejudice our rights. You further agree that we have the right to reverse any credits that we apply, and that you will indemnify and hold us harmless with respect to any dispute, to the full extent permitted by law. 25) Use for Illegal Purpose Prohibited; Indemnification and Waiver. You may not use your Visa Card for any illegal purpose, such as unlawful gambling. Display of a payment card logo by an online merchant or acceptance of a Visa Card by an online merchant does not necessarily mean that the transaction is legal in the jurisdiction in which you are located. You agree that we may deem any illegal use by you of any financial product or service to be an event of default and a breach of contract, and that we may terminate services to you at our discretion. You further

6 agree, should illegal use occur, to waive any right to sue us in connection with such illegal use and to indemnify and hold us harmless from any action or liability, including attorney s fees and costs, directly or indirectly arising out of such illegal use. 26) Automated Teller Machines (ATM s). If you have or are later given a Personal Identification Number (PIN) to access your Visa Account at an ATM, you must not give your PIN to others. We may at any time suspend or cancel your access to your Visa Card. We do not need any cause nor must we give prior notice to do this. 27) General Questions about Your Visa. Please direct all questions about your Visa Account to our Customer Service 24/7 toll free number or HFCU at during business hours which are Monday through Friday. 7:30 A.M. through 4:30 P.M. 28) Address or Name Changes. If you move or change your name, please send your new information to us at P.O. Box 2428, Honolulu, HI Notice sent to anyone of you will be considered notice to all of you. 29) Applicable Law. You agree that you applied for the Account; your request was considered, approved and issued in the State of Hawaii. You also agree that laws of the State of Hawaii, without regard to any conflicts of law provisions, apply to this agreement, your Account and the use of your Visa Card, wherever that takes place and any proceeding to enforce this Agreement. Jurisdiction and venue shall be vested in the courts of the State of Hawaii and federal courts in the District of Hawaii. You agree that any action to enforce any remedies under this Agreement and for any other purpose may be brought only in the First Circuit Court of the State of Hawaii or in the U.S. District Court for the District of Hawaii. 30) Prohibition Against Using Account For Margin Stock. You agree that you will not use the Account to purchase or carry margin stock (as defined in the Federal Reserve Board Regulations). 31) Accumulation of CURewards Points for Accounts. a) Every dollar in qualifying purchases, less returns, that you charge to your Account earns one (1) point. Points are not earned for Interest Charges, Fees, Cash Advances, Balance Transfers and Convenience Checks, unless otherwise stated. Double Points are earned, per dollar, at all Gas and Travel Merchants. b) The accumulation of points can be used to order rewards as described in the CURewards website brochure: The rewards are subject to availability. To redeem your points, you must have the necessary number of points posted to your Account. You must be current and your outstanding balance should not be greater than your established credit limit. c) Points earned in the calendar year one (1) will expire as of the last day of the calendar year five (5). For example, points earned in 2005 will expire December 31, d) A complete set of Program Rules may be obtained at the CURewards website or by calling our customer service toll free number at or by contacting HFCU at e) We reserve the right to terminate the program at any time upon providing a notice in accordance with by applicable law. If terminated, we shall not be responsible or liable for any points you have earned and did not use prior to the end of the program. Also, if your Account is closed for any reason, any unused accrued points will be forfeited. 32) Your Billing Rights. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. YOUR BILLING RIGHTS KEEP THIS INFORMATION FOR FUTURE USE NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address for inquiries listed on your statement. Write to us as soon as possible. We must hear from you no later than sixty (60) days after we send you the statement on which the error or problem appeared. You can telephone us, but doing so will not reserve your rights. IN YOUR LETTER, GIVE US THE FOLLOWING INFORMATION: a) Your name and Visa Account number, b) Describe the amount of the suspected error including the type, date and amount in question. Explain, if you can, why you believe this amount is an error. Please be as descriptive as possible when describing the item you are questioning. If you have authorized us to pay your credit

7 card bill automatically from your share, share draft or any other Account, you can stop payment on any amount in question. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE We must acknowledge your letter within thirty (30) days, unless we have corrected the disputed amount by then. Within ninety (90) days, we must either correct the amount or explain why we believe the statement is correct. After we receive your letter, we cannot try to collect any amount in question, or report you as delinquent. We can however, continue to bill you for the amount in question, including Interest Charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any unpaid amount while we are investigating, but you are still obligated to pay the balance of the bill that is not in question. If we find that we have made a mistake on your bill, you will not have to pay any Interest charges related to the questioned amount. If we didn t make the mistake, you may have to pay Interest Charges, and you may have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date payment is due. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days informing us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to who we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50.00 of amount you question even if your bill is correct. 33) Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1) the purchase must have been made in your home State or within 100 miles of your current mailing address, and the purchase price must have been more than $ (Note: Neither one (1) nor two (2) is applicable if your purchase was based on an advertisement we mailed to you.) 2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card Account do not qualify. 3) You must not yet have fully paid for the purchase. If the criteria in this section are met and you are still dissatisfied with the purchase, contact us in writing at: Customer Service, P.O. Box 31112, Tampa, FL While we investigate, the same rules apply to the disputed amount as discussed in Your Rights section above. After we finish our investigation, we will inform you of our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 34) Severability and Final Expression. This Card Agreement and the Disclosure Statement is the final expression of the terms and conditions of your Account. This written Card Agreement and the Disclosure Statement may not be contradicted by evidence of any alleged oral agreement. Should any part of this Card Agreement and the Disclosure Statement be found to be invalid or unenforceable, all other parts of this Card Agreement and the Disclosure Statement shall remain in effect and fully enforceable to the fullest extent possible under this Agreement. 35) Entire Agreement. The information contained in this Card Agreement and the Disclosure Statement is accurate as of January 1, 2011 and is subject to change after that date. This Card Agreement and the Disclosure Statement represent the entire Visa Card Agreement and the Disclosure Statement. It supersedes any previous Agreements and any terms that you may have received rv