The information about costs of the card described in this agreement is accurate as of
February 1, 2023. This information may have changed after that date. To find out what may have
changed, please write us at: Credit First National Association, Customer Service, P.O. Box 81315,
Cleveland, Ohio 44181-0315
Deferred Interest Promotional Credit Plan: Each individual purchase transaction of $149
or more made with a participating retailer and placed on your Card will qualify for repayment under the
six month promotional credit plan terms as described within this Pricing Information and in the Credit
Card Agreement ("Deferred Interest Promotional Credit Plan"). Interest will be deferred if the
qualifying promotional purchase is paid in full within six months.
CFNA Private Label Consumer Credit Card: If the qualifying promotional
purchase is not paid in full within six months, interest will be imposed from the date of qualifying
promotional purchase at a Rate of 29.99%.
CFNA Mastercard Consumer Credit Card: If the qualifying promotional
purchase is not paid in full within six months, interest will be imposed from the date of qualifying
promotional purchase at a Rate of 26.24%. The APR is variable and will
change as set forth in the Credit Card Agreement and/or Pricing Information. The rate will not exceed
The Minimum Payment Due for each Billing Cycle will be the greater of (a) 3.5% of the
New Balance (rounded up to the nearest whole dollar) plus all past due amounts and any Late Payment Fee,
Returned Payment Fee, or other unpaid fees incurred during the previous Billing Cycle; or (b) $29 (or
any amount less than $29 needed to pay your Account balance in full). We will also add any amounts
provided as part of a promotional plan. The Deferred Interest Promotional Credit Plan requires minimum
monthly payments. The New Balance used to determine your Minimum Payment Due includes Regular Credit
Plan transactions and Promotional Plan balances (see Section 6 below for a description of Credit Plans).
CFNA Private Label Consumer Credit Card: The Periodic Interest Rate
that applies to your Revolving Balance is
APR 29.99%) ("Interest Rate").
CFNA Mastercard Consumer Credit Card: The Periodic Interest Rate that applies to your
Revolving Balance is 2.187%
(corresponding APR 26.24%) ("Interest Rate").
Both the Periodic Interest Rate and APR are variable and will change as set forth in the Credit Card
Agreement and/or Pricing Information. The APR will not exceed 29.99%.
CFNA Mastercard Consumer Credit Card: How do you calculate my Variable Rates? Your APRs
may increase. Your variable rates may change when the Prime Rate changes. We calculate variable rates by
adding a percentage to the Prime Rate published in the money rates table of The Wall Street
Journal on the 25th day of December, March, June and September. If the rate is not published on
that day, then we use the immediately preceding edition. Any changes to the rates will take effect on
the first day of your billing periods that begin in February, May, August and November. To determine
your Purchase APR, we add a margin of 18.74% to the Prime Rate. Any increase in the Prime rate may
increase your Interest Charges and your Minimum Payment. The APR will not exceed
Minimum Interest Charge of $2 will be charged for any Billing Cycle in which an Interest
Charge of less than $2 would otherwise be imposed.
Late Payment Fee: The Late Payment Fee will be $30, or $41 if you did not make the
Minimum Payment in any of the six prior Billing Cycles by the Payment Due Date.
Returned Payment Fee: The Returned Payment Fee will be $30, or $41 if you had a Returned
Payment Fee in any of the six prior Billing Cycles.
How We Determine Whether You will Receive the CFNA Mastercard Consumer Credit Card or the CFNA
Private Label Consumer Credit Card: Your credit history and application will be reviewed to
determine whether you qualify for the CFNA Mastercard Consumer Credit Card. If we are unable to approve
you for the CFNA Mastercard Consumer Credit Card, you will automatically be considered for the CFNA
Private Label Consumer Credit Card. The CFNA Mastercard Consumer Credit Card can be used wherever
Mastercard is accepted within the United States. The CFNA Private Label Consumer Credit Card can only be
used at participating retailers in the United States.
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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard
With respect to this application, I acknowledge that:
- I am applying to CFNA for a credit card with a credit limit up to the amount for which
- I have read and agree to the terms and conditions set forth in Credit Card Agreement
and Pricing Information. Other Related Documents that govern the use of my Account includes the
Credit Application, Card Carrier, and Promotional Plan Terms.
- The application information I provided is true, correct, and complete, and CFNA may
rely on it.
- I authorize CFNA to obtain credit reports as well as other information (including but
not limited to income and employment) about me from consumer reporting agencies and other sources in
considering this application and subsequently for the purpose of any update, review, renewal or
extension of credit, or in reviewing or collecting on the Account.
- CFNA may contact me regarding my Application, Card and Account as described in the
Credit Card Agreement. By providing my phone number(s), I am authorizing CFNA, its servicers,
assignees, or third-party debt collectors to contact me by telephone, mail, e-mail, fax, prerecorded
message, automated voice, text message, digital, computerized, or other means allowable by law
regarding my Account. Data and Message Rates May Apply.
- If I provide my mobile telephone number, I am also consenting to receive autodialed and
prerecorded message calls from CFNA or its servicers, its assignees, or its third-party debt
collectors at this number.
- My Account is intended only for personal, family, or household purposes.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law
requires all financial institutions to obtain, verify and record information that identifies each person
who opens a new account. What this means for you: When you open an account, we will ask
for your name, address, date of birth, and other information that will allow us to identify you. We may
ask to see your driver's license or other identifying documents.
Military Lending Act Notice
Federal law provides important protections to members of the Armed Forces and their dependents relating
to extensions of consumer credit. 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). Members of
the Armed Forces and their dependents are under no duty to waive their right to legal recourse under any
applicable provision of Federal or State law, including any provision of the Servicemembers Civil Relief
Act. Members of the Armed Forces and their dependents are not required to submit to arbitration as
described in Section 19 below or elsewhere in this Agreement. You may contact us toll-free at
855.209.0588 for information about the Military Annual Percentage Rate and/or your payment schedule.
READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, OR SUBMIT YOUR
This is your Credit Card Agreement ("Agreement") with Credit First National Association, a
national banking association located at 6275 Eastland Road, Brook Park, Ohio 44142 ("CFNA").
This Agreement governs the use of your credit card account with us ("Account") and includes
the following "Related Documents":
- Application - The application or solicitation you signed or otherwise submitted to
request the Account;
- Credit First National Association Pricing Information - The document that contains
interest rate, fee, and other information about your Account;
- Card Carrier - The card carrier we send with the credit card or cards we issue you;
- Promotional Plan Terms - Any special terms we provide you if you make a purchase under a special
promotional plan or terms outside of this standard agreement as outlined in Section 6.
The Related Documents are incorporated by reference into this Agreement. Your handwritten, electronic or
digital signature on any document you sign in connection with the use of your card or Account is part of
this Agreement. These documents include, but are not limited to, your card, Application or any accepted
sales slip. Participating merchants that may honor your card are not a party to this Agreement. Please
read this Agreement and keep it for your records.
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. You are applying to Credit First National Association (CFNA) for a credit card with a credit
limit up to the amount for which you qualify. The application information you provided is true, correct
and complete, and CFNA may rely on it. You authorize CFNA to obtain credit reports as well as other
information (including but not limited to income and employment) about you from consumer reporting
agencies and other sources in considering this application and subsequently for the purpose of any
update, review, renewal or extension of credit, or in reviewing or collecting on the Account. You
understand and agree that by providing CFNA with a wireless telephone number, you are providing express
written consent to receiving autodialed and prerecorded message calls from CFNA or its servicers, its
assignees, or its third party debt collectors at this number. You authorize us, our servicers,
assignees, or third party debt collectors to contact you by telephone, mail, e-mail, fax, prerecorded
message, automated voice, text message, digital, computerized, or other means allowable by law regarding
your Account. Message and data rates may apply and message frequency varies.
You understand that if CFNA approves your application, CFNA will extend credit to you from its office in
Ohio. You agree to be bound by the terms set forth in the Agreement. You also understand that
the Agreement includes an Arbitration Section that allows you or CFNA to resolve by arbitration claims
arising from or related to the Agreement and your Account through the American Arbitration Association.
The Arbitration Section will prevent you and CFNA from having claims resolved by a judge or jury and
prevent you from participating as a representative or member of any class of claimants for claims
subject to arbitration. Other rights available in court may also not be available in arbitration. You
can reject the Arbitration Section within 30 days after CFNA opens your Account as explained in the
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
- You and your - each person who requested an Account approved by CFNA.
- We, us and our - CFNA or any person or entity to which CFNA sells or gives your
- Credit Card or Card - each credit card we issue to you or a person any of you
authorizes to use the Account.
- Authorized User - a person any of you authorizes to use the Account and to whom we may issue a
Other capitalized terms are defined in the Agreement. Defined terms have the same meaning when used in
your monthly billing statement ("Statement").
2. YOUR PROMISE TO US. You agree to the terms of this Agreement. You
promise to do everything this Agreement requires of you. For joint Accounts, each of you promises to do
everything this Agreement requires. You specifically promise to pay all amounts owed because of
transactions made on your Account by any of you or with your consent, and by any Authorized User. You
will be bound by this Agreement when you submit an Application that is approved by us, sign a sales slip
using the Card, or use or permit someone else to use credit provided through the Card or Account. You
will use the Card only for personal, family, or household purposes, and not for business, commercial,
agricultural, lottery or gambling purposes, or for any illegal activity. You may not use the Card to
obtain a cash advance, cash withdrawal including cash back, money transfer, quasi-cash such as
cryptocurrency, or prepaid/stored value cards. You will only use the Card in the United States of
America and United States Territories, at merchant locations that honor the Card. International
transactions will not be permitted. You agree that at any time for any reason we may reissue a Card to
you and/or may ask you to return any or all Cards.
A. Default. Your Account will be in default if you fail to do something that this
Agreement requires of you, subject to any restrictions under applicable law. If that happens, we may
tell you to pay us immediately everything you owe under the Account and applicable law. We will tell you
in advance and/or give you an opportunity to cure your default only if applicable law requires us to do
3. CREDIT LIMIT. The Credit Limit of your Account is the total maximum
amount we allow you to owe us at any time. If you exceed any credit limit that we have set for your
Account, we can still charge you for all transactions, Interest Charges and other charges ("Finance
Charges") without giving up any of our rights under this Agreement. We may increase or decrease
your Credit Limit at any time at our option. The reasons for changes may include, for example, your
credit history with us, your default under this Agreement (see Section 2 above), fraud prevention or
changes to this credit card program or CFNA policy. A portion of your available credit may be
inaccessible until we confirm that your payment has been honored.
4. MONTHLY STATEMENTS; BILLING CYCLES. We will send you a Statement at the
end of each Billing Cycle in which (a) your Account has a balance of $1 or more, (b) an Interest Charge
is imposed or (c) applicable law requires us to send a Statement. We send only one Statement for your
Account each month. 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, Minimum Payment Due, and each qualifying promotional purchase made during the most recent
Billing Cycle (if applicable). A Billing Cycle means the days between Statement Closing Dates.
A. Minimum Payment. You may pay all of your Account balance at any time without penalty.
You must pay us at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on
your Statement. See the Credit First National Association Pricing Information for more information about
how we calculate the Minimum Payment Due.
B. Methods of Payment. If paying by mail, send your personal check or money order, payable in
U.S. dollars, along with the payment coupon to Credit First N.A. at the payment address shown on your
statement. Payments received by 5PM Eastern Time (ET) at the payment address shown on your statement
will be credited as of the business day of receipt. If received after 5PM ET, the payment will be
credited as of the next business day. Payments made through the CFNA website (CFNA.com), Interactive
Voice Response System (IVR, self-service option), or through a CFNA representative (Private Label Credit
Card: 800.321.3950 or Mastercard Credit Card: 833.402.1481) prior to 11:59PM ET will be credited as of
the same business day; Payments made after 5PM ET may not be reflected on your account for up to 1-2
business days. Follow all of the instructions for making a payment specified on your Statement.
Any payment that does not conform to these requirements may not be credited to your Account for up to
five days, or may be rejected.
All check payments must be issued by a legitimate U.S. based bank registered to do business in
the U.S. Do not send cash. You agree not to send us any check marked "payment in full" or with
similar terms or conditions. If you do, the check must be sent to our Dispute Resolution
Department at a separate address for inquiries specified on your statement. We can accept such checks as
late or partial payments without losing our right to receive the full amount owed on your Account.
C. Application of Payments. We apply payments first to previously billed Interest
Charges and Fees; then to your purchases. The application of payments may be amended by promotional
terms. Except as otherwise prohibited, we will apply payments greater than the required Minimum Payment
amount to balances on your Account in a way that is deemed appropriate by us. We will also follow the
requirements of applicable law when allocating your payments. For credits that we apply to your account
other than payments, we will apply them in a way that is deemed appropriate by us, except as may be
required by applicable law.
For Deferred Interest Promotional Credit Plan, when a payment is received during the two
Billing Cycles immediately preceding the expiration of the Deferred Interest Promotional Credit Plan, we
will apply any amount in excess of your required minimum payment first to the expiring Deferred Interest
Promotional Credit Plan balance. If multiple Deferred Interest Promotional Credit Plan balances become
due in the same Billing Cycle, we will apply any amount in excess of your required minimum payment to
the Deferred Interest Promotional Credit Plan balances in order, from the oldest to the newest based on
the purchase date.
6. CREDIT PLANS.
A. Regular Credit Plan. You may use your Account for transactions that may or may not be
subject to promotional credit plan terms. Any balance of transactions not subject to promotional credit
plan terms will be part of your Regular Credit Plan and treated as your "Revolving Balance."
B. Promotional Credit Plans. At our option, we may offer additional promotional plans.
Any promotional plans offered may apply for a limited period of time. Our rights and your
responsibilities will change if you make a qualifying purchase under a promotional plan. If your
purchase amount qualifies for a promotional plan, you will automatically be enrolled in promotional
financing and the applicable promotional plan terms will be given to you in a separate document.
Promotional plan terms temporarily modify certain terms of this Agreement for qualifying purchases, and
all other terms of this Agreement remain unchanged. Any temporary modification of Agreement terms for
promotional plans will not limit or affect any other rights we have under this Agreement or applicable
7. INTEREST CHARGES. See the Credit First National Association Pricing Information for
information about your Periodic Interest Rate and Annual Percentage Rate for Interest Charges.
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. A Periodic Interest Rate is one-twelfth of its corresponding Annual
Percentage Rate ("APR"). We will charge you a Minimum Interest Charge as described in Credit
First National Association Pricing Information section for any Billing Cycle in which the Interest
Charge that would otherwise be imposed is less than the Minimum Interest Charge identified in Credit
First National Association Pricing Information.
The Average Daily Balance for your Revolving Balance is calculated by determining the
daily balance for your Revolving Balance. To get the daily balance, we take the beginning Revolving
Balance of your Account each day. Then we subtract any payments or credits applied to your Revolving
Balance, and any unpaid Interest Charges. We add to that amount any new Regular Credit Plan
transactions, Late Payment Fees, and other Account fees and administrative charges. We then add up all
the daily balances and divide by the number of days in the Billing Cycle. This gives us the Average
Daily Balance for your Revolving Balance. We do not charge Interest Charges on unpaid Interest Charges,
that is, we do not compound Interest Charges.
Interest Charges accumulate on each purchase from the later of (a) the date of the transaction or (b) the
first day of the Billing Cycle in which the transaction posts to your Account. Any interest which may
have been waived due to the receipt of a payment, and which payment is later deemed insufficient or
rejected will result in the re-application of waived interest to your account. We do not assess Interest
Charges in the following circumstances:
- If you paid the New Balance at the beginning of your previous Billing Cycle by the
Payment Due Date during that previous Billing Cycle (or if that New Balance was $0 or a
credit balance), then:
- if you pay the New Balance on your current Monthly Statement in full by the Payment Due
Date in your current Billing Cycle. Interest Charges will not be imposed on Purchases
during your current Billing Cycle, and
- if you make a payment that is less than the New Balance by the Payment Due Date in your
current Billing Cycle, that payment will be credited as of the first day in your current
- If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay
that New Balance by the Payment Due Date during that previous Billing Cycle, we will not charge
Interest Charges on any Purchases during the current Billing Cycle if you pay the New Balance at
the beginning of your current Billing Cycle by its Payment Due Date.
For Deferred Interest Promotional Credit Plan(s), we will calculate periodic Interest
Charges on the qualifying promotional purchases during the Delay Period as a separate balance from your
regular purchases. The Delay Period for qualifying promotional purchases begins on the later of (a) the
date you make the qualifying promotional purchase or (b) the first day of the Billing Cycle in which the
qualifying promotional purchase posts to your Account. The Delay Period ends on the Statement Closing
Date of the Billing Cycle that includes the end of the stated period of the promotional plan. For
example, in a six-month promotional plan, the Delay Period ends on the sixth Statement Closing Date
after the qualifying promotional purchase posts to your Account. Any unpaid balance of the qualifying
promotional purchases at the end of the Delay Period is added to your Revolving Balance in the Billing
Cycle that begins immediately after the Delay Period ends.
You will not owe us Interest Charges that accumulate on the qualifying promotional purchases during the
Delay Period if we receive (a) the required Minimum Payment Due by its Payment Due Date for each Billing
Cycle during the Delay Period and (b) the full amount of your qualifying promotional purchases by the
end of the Delay Period.
If we do not receive the full amount of the qualifying promotional purchases by the end of the Delay
Period, you will owe us Interest Charges that accumulated (a) on such qualifying promotional purchases
during the Delay Period and (b) on the qualifying promotional purchases in the prior Billing Cycle. The
Interest Charges may not appear on your billing statement immediately but will be charged in a
subsequent billing period.
The Credit First National Association Pricing Information describes a Deferred Interest Promotional
Credit Plan(s) on your Account, and other Plans may be offered from time to time. If multiple Deferred
Interest Promotion Credit Plans are offered, the Delay Period will be communicated to you prior to the
qualifying promotional purchase being applied to your Account.
A. Late Payment Fee. If we do not receive at least the Minimum Payment Due within the
timeframes described in the Method of Payment section (section 5B) on your Payment Due Date, we may add
to your Account a Late Payment Fee in the amount set forth in the Credit First National Association
However, the Late Payment Fee will never exceed the amount of your required Minimum Payment to which the
Late Payment Fee relates. Any Late Payment Fee assessed will be added to the Revolving Balance on your
B. Returned Payment Fee. If your payment by check, ACH, electronic debit or other
instrument is dishonored by your bank or must be returned for any reason, we will add a Returned Payment
Fee in the amount set forth in the Credit First National Association Pricing Information.
However, the Returned Payment Fee will never exceed the amount of your required Minimum Payment to which
the Returned Payment Fee relates. Any Returned Payment Fee assessed will be added to the Revolving
Balance on your Account.
C. Replacement Fee. If you request a replacement Card, we may charge you a fee for the
replacement Card and if expedited mailing is requested, we may charge you an expedited mailing fee.
9. LOST OR STOLEN CARD OR IDENTITY THEFT. If you notice the loss or theft
of your credit card or a possible unauthorized use of your card (including suspected identity theft),
you should write to us immediately at CFNA, Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315
or call us at 800.321.3950 - Private Label Credit Card or 833.402.1481 - Mastercard Credit Card. You
will not be liable for any unauthorized use that 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
10. ACCOUNT CANCELLATION.
A. How to Cancel Your Account. You (either of you if more than one) may cancel your
Account at any time by notifying us by telephone or in writing. You still must pay the full amount you
B. We Have the Right to Cancel Your Account. We may cancel your Account and Cards at any
time for any reason. Any Card issued for your Account must be cut in half and the pieces sent to us if
we ask. This includes each Card you gave to others. You still must pay the full amount you owe us, and
this Agreement will continue to apply to any unpaid balance.
11. CREDIT AUTHORIZATIONS. We will authorize all Account purchases in
advance. A merchant may ask you to provide identification. However, in certain circumstances, we may not
be able to authorize a transaction, even if you have sufficient available credit. For example, we will
not authorize a transaction if our authorization system is not working or if we suspect possible fraud.
We will not be liable to you if this occurs. We may not authorize a transaction if your Account is over
your Credit Limit or delinquent; if we authorize such a transaction, we do not consider it to be an
increase in your Credit Limit. We are not responsible if any merchant refuses to accept or honor your
12. CREDIT INVESTIGATION AND CREDIT REPORTS. You hereby authorize us to
investigate your credit record. You agree that a credit report may be requested in connection with the
processing of an application for credit, and subsequently in connection with any extension of credit, or
any consideration of an increase to your credit limit, or any renewal or update of your Account, or to
take collection action on the Account, or to investigate disputes regarding the Account. You also
authorize us to furnish information concerning the status and payment history of your Account to credit
reporting agencies and other creditors. If you believe that we have reported inaccurate information
about you to a credit reporting agency, please contact us at CFNA, Customer Service, P.O. Box 81315,
Cleveland, Ohio 44181-0315. In doing so, please provide your Account number, name, address, phone
number, and any other supporting documentation, in addition to specifying the inaccurate information and
explaining why you believe it is incorrect. If you have a copy of the credit report that includes the
inaccurate information, please send a copy of that report to us as well.
13. COMMUNICATIONS. You authorize us, or our servicers, assignees, or third
party debt collectors to contact you by telephone, mail, e-mail, fax, prerecorded message, automated
voice, text message, digital, computerized, or other means allowed by law regarding your Account. You
agree that we may call you about your Account using an automatic dialing - announcing device and that
these calls will not be deemed "unsolicited" calls under state or federal law. You understand
and agree that by providing us with a wireless telephone number, you consent to receiving autodialed and
prerecorded message calls or text messages from us or our servicers, assignees, or third party debt
collector at that number. Message and data rates may apply and message frequency
varies. We may monitor and/or record telephone calls between you and us for quality
assurance. You agree that monitoring and/or recording may be done and that no additional notice to you
or additional approval from you is needed.
SMS Fraud Alert Text Messages: CFNA may employ a fraud alert text messaging service. If
this service is used, CFNA will not charge you for the service. Fraud alert text messages may be sent to
you. The frequency of these fraud alerts text messages will vary as they are only sent when there is a
suspicion of fraud on your Account. Message and data rates may apply. Mobile carriers are not liable for
delayed or undelivered messages. You will have the option of not receiving fraud alert text messages by
replying "STOP" in response to the fraud alert text message.
A. Your Address. We will consider your current address and state of residence to be the
same as the billing address we maintain in our records. 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. Any notices
required by law shall be deemed received if mailed to your current address.
14. GOVERNING LAW. This Agreement and your Account are governed by Federal
law applicable to a national bank and, to the extent not preempted by Federal law, the laws of Ohio,
without regard to its conflicts of law provisions. This is the law we mean when we refer in this
Agreement to a term that may be permitted or required by applicable law. We have accepted this Agreement
15. WAIVER. We may, at our discretion from time to time without notice,
waive any of our rights under this Agreement in certain circumstances. We can waive our rights without
affecting our other rights. If we waive any right, we do not waive the same right in other circumstances
or at other times.
16. SEVERABILITY. If any provision of this Agreement is finally determined
to be unenforceable under any law, rule, or regulation, all other provisions of this Agreement will
still be valid and enforceable.
17. ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or
any interest we hold in your Account without notice to you. You may not sell, assign or transfer your
18. CHANGE IN TERMS. We may change the terms of this Agreement at any time,
and we may add or delete terms in this Agreement. These changes may include, for example, Interest
Charge rates, fees and this Change in Terms provision. We will give you notice of any change as required
by applicable law. Any change will apply on and after its effective date to new transactions and
existing balances on your Account, except as limited by applicable law.
19. ARBITRATION. For purposes of this Arbitration Section, the terms
"we," "us" and "our" refer to Credit First National Association, its
parents, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns,
employees, officers and directors. If either you or we choose arbitration, neither you nor we will have
the right to litigate that claim in court or to have a jury trial on that claim, or to engage in
pre-arbitration discovery, except as provided for in the arbitration rules of the American Arbitration
Association ("AAA"). In addition, you will not have the right to participate as a
representative or member of any class of claimants related to any claim subject to arbitration. The
arbitrator's decision will generally be final and binding. Other rights that you would have if you
went to court may also not be available in arbitration. It is important that you read the entire
arbitration provision carefully before accepting the terms of this Agreement.
A "Claim" is any pre-existing, present, or future claim, dispute, or controversy of any kind
(including but not limited to constitutional, statutory, regulatory, common law, contract, tort and
equitable claims) arising from or relating to (a) the credit offered or provided to you or requested by
you, (b) the actions of you, us or third parties, or (c) the validity or meaning of this arbitration
provision and every other provision in this Agreement.
You agree that either you or we can choose to have any Claim resolved by binding arbitration. You
and we acknowledge that each waives the right or opportunity to litigate a Claim in a court of law, and
that each agrees to resolve any Claims arising out of this Agreement through binding
arbitration. This Section does not apply to any of our regular Account collection efforts. If
this Section (or any part of it) is determined invalid or illegal under any applicable statute or rule
of law, it will be deemed omitted without affecting any other provisions of this Agreement, which shall
remain in full force and effect.
There shall be no authority for any Claims to be arbitrated on a class action basis. An
arbitration can only decide our or your Claim and may not consolidate or join the claims of other
persons who may have similar claims.
Any arbitration will be conducted in accordance with the AAA's rules applicable to consumer
disputes. For additional information go to:
Any arbitration hearing that you attend will take place in the federal judicial district where you reside.
At your request, we will advance the first $250 of the filing and hearing fees for any Claim you may
file against us; the arbitrator will decide whether we or you will ultimately pay those fees. This
arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be
governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. The arbitrator shall apply applicable
substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations, and
shall honor claims of privilege recognized by law. This arbitration provision shall survive repayment of
your extension of credit and termination of your Account.
Judgment upon the award may be entered in any court of law of competent jurisdiction.
You can reject this Arbitration Section if you write to us within 30 days after we open your
Account. Send a letter that you do not agree to the Arbitration Section. The letter must
include your name, address and Account number. Mail the letter to CFNA, Legal, P.O. Box 81315,
Cleveland, Ohio 44181-0315. This is the only way you can reject the Arbitration Section. If you reject
the Arbitration Section, all other parts of this Agreement still apply to your Account.
20. AUTHORIZED USERS. If you ask us to issue a Card to any other person,
they are an Authorized User. We may require certain information about the Authorized User. We may limit
the Authorized user's ability to use the Card. The Authorized User may have access to information
about your Account. You will be responsible for the Authorized User's use of the Account and anyone
else that the Authorized User allows to use your Account, even if you did not want, or agree to, that
If you want to remove an Authorized User from your Account, you must contact Customer Service and request
their removal or process the remove authorized user request through CFNA's website. You also must
immediately destroy all Cards in their possession and cancel any arrangements they may have set up on
your Account. The Authorized User will be able to use your Account until you have notified us that you
are removing them from your Account. During this time, you will still be responsible for all amounts
they charge to your Account. You will be responsible even if these amounts do not appear on your Account
until later. Authorized Users may remove themselves from your Account upon request. We reserve the right
to remove them from your Account for any reason. To remove them from your Account, we may cancel your
existing Cards and issue a new Card with a new Account number.
21. REWARDS. Your Account may provide you with the opportunity to earn
rewards. If it does, we will separately provide you with information and terms about the rewards.
22. ENTIRE AGREEMENT. This Agreement, including the Related Documents
incorporated by reference into it, is the entire agreement between you and us relating to your Account.
This Agreement replaces any other agreement relating to your Account that you and we made earlier or at
the same time. If any of the Related Documents has any information that is not the same as information
in this Agreement, we will follow this Agreement unless the other document says we should follow that
document. You may not modify any term or provision of this Credit Card Agreement.
SIGNATURES. Your handwritten, electronic or digital signature on any document you sign
in connection with the application or use of your Card or Account represents your signature on this
California Residents: If you are married, you may apply for a separate account.
New York, Rhode Island and Vermont Residents: Upon your request, you will be informed of
whether or not a credit report was ordered, and if it was, you will be given the name and address of the
consumer reporting agency that furnished the report.
Ohio Residents: Ohio laws against discrimination require that all creditors make credit
equally available to all credit worthy customers, and that credit reporting agencies maintain separate
credit histories on each individual upon request. The Ohio Civil Rights Commission administers
compliance with this law.
Married Wisconsin Residents: No provision of any marital property agreement, unilateral
statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely
affects the interest of CFNA, unless CFNA, prior to the time credit is granted is furnished a copy of
the Agreement, statement or decree or has actual knowledge of the adverse provision when the obligation
to CFNA is incurred.
NJ Residents: Certain provisions of this Agreement are subject to applicable law. As a
result, they may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions,
however, are void, unenforceable or inapplicable in New Jersey.
YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells
you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at CFNA, Customer Service, P.O. Box 81315,
Cleveland, Ohio 44181-0315
You may also contact us on the web at www.cfna.com or email us at
In your letter, give us the following information:
- Account information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of problem: If you think there is an error on your bill,
describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
- Within 60 days after the error appeared on your statement.
- At least 3 business days before an automated payment is scheduled, if you want to stop payment
on the amount you think is wrong.
You must notify us of any potential errors in writing or electronically. You may call us, but if
you do we are not required to investigate any potential errors and you may have to pay the amount in
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
- Within 30 days of receiving your letter, we must tell you that we received your
letter. We will also tell you if we have already corrected the error.
- Within 90 days of receiving your letter, we must either correct the error or explain to you why
we believe the bill is correct.
While we investigate whether or not there has been an error:
- We cannot try to collect the amount in question, or report you as delinquent on
- The charge in question may remain on your statement, and we may continue to charge
you interest on that amount.
- While you do not have to pay the amount in question, you are responsible for the
remainder of your balance.
- We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
- If we made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
- If we do not believe there was a mistake: You will have to pay the amount in question,
along with applicable interest and fees. We will send you a statement of the amount you owe and
the date payment is due. We may then report you as delinquent if you do not pay the amount we
think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days
telling 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 whom 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 of the amount you
question even if your bill is correct.
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:
- 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 $50. (Note: Neither of
these are necessary if your purchase was based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)
- You must have used your credit card for the purchase.
- You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
writing or electronically at CFNA, Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. You may
also contact us on the web at www.cfna.com or email us at
While we investigate, the same rules apply to the disputed amount as discussed 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.
M101 26.24 29.99 M200 29.99 02/2023