Synchrony Bank Cardholder Agreement

This Agreement is the entire agreement between Synchrony and you regarding the Terms of Use of the Site. Any remedy you have relating to your use of the Site must be available within one (1) year from the creation of the claim or remedy. If, for any reason, a court of competent jurisdiction finds that any provision of this Agreement or any part thereof is invalid or unenforceable, that provision shall be applied to the maximum extent permitted in order to achieve the intent of this Agreement, and the remainder of this Agreement shall remain in full force and effect. If none of these reasons apply and you are still unable to reach an agreement, call them to request a copy of your agreement. Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. If common credit card terms seem foreign to you, you`re not alone. Although the average American adult has about four credit cards in their wallet, only 20% of cardholders can translate the terms of their credit card agreement. However, if you learn basic terminology, you can better understand how credit cards work – and ultimately, you help to be smarter in your use of your plastic. Here are some of the most common credit card terms: look at the back of the credit card or your last monthly statement to find the name of the exhibitor. The bank, retailer or other legal entity whose name appears on the front of the card may not be the actual issuer of the card. You can also check the issuer`s website. As a rule, the name of the bank is indicated below on the issuer`s homepage.

Variable annual rate of employment: a variable annual rate of time (or a variable annual rate of time) changes with the index rate, for example. B.dem policy rate. The cardholder`s agreement contains details on how a card`s annual effective rate may change over time, sometimes without the user being informed. These Terms apply exclusively to your access to and use of the Website and do not modify any other agreements you have with Synchrony or any of its affiliates, including Synchronous Online Banking. The drop-down list includes credit card issuers that have submitted credit card agreements in accordance with section 204 of the Credit Card Accountability Responsibility and Disclosure Act 2009 (CARD Act). . . .