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By submitting your application, you acknowledge that you have read, understood and received a copy of this document and if approved for credit by CFNA, agree to be bound by the terms set forth in this document. Defined terms have the same meaning when used in your monthly billing statement ("Statement"). You specifically promise to pay all amounts owed because of transactions made on your Account by any of you and any Authorized User.
Except as otherwise prohibited, we will apply payments equal to or less than the required Minimum Payment amount and any credits to balances on your Account in a way that is deemed appropriate by us. We will calculate periodic Interest Charges on your Account for each Billing Cycle by multiplying a monthly periodic rate ("Periodic Interest Rate") by the Average Daily Balance (including new transactions) on your Account.
Each Statement will show, among other things, the date on which the most recent Billing Cycle ended (the "Statement Closing Date" of the Billing Cycle), Previous Balance, Payments and Credits, Transactions, Interest Charges, other Fees and Charges, Payment Due Date, New Balance and Minimum Payment Due. We will consider your current address and state of residence to be the same as the billing address we maintain in our records.
A Billing Cycle means the days between Statement Closing Dates. You agree to notify us of any change in your name, residence, or billing address by writing to us at the address shown on your Statement. You may pay all of your Account balance at any time without penalty.
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.
This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
You may contact us toll-free at 855-209-0592 for information about the Military Annual Percentage Rate and/or your payment schedule.
By signing the application, signature capture device or through your electronic consent, you certify to each of the following statements: You have read and agree to the terms and conditions set forth in this document.Please read this Agreement and keep it for your records.Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.Other rights available in court may also not be available in arbitration. You promise to do everything this Agreement requires of you.You can reject the Arbitration Section within 30 days after CFNA opens your Account as explained in the Agreement. Other capitalized terms are defined in the Agreement. For joint Accounts, each of you promises to do everything this Agreement requires.We may change APR, Fees, and other terms at any time and for any reason in accordance with this Credit Card Agreement and applicable law.