When your credit card comes with a bonus program, details on how to earn and redeem points are listed in your credit card contract. (2) Tariff increases imposed between January 1, 2009 and February 21, 2010. In the case of rate increases imposed between January 1, 2009 and February 21, 2010, the issuer must take into account, in the execution of the first two audits covered in paragraph (a) of the factors described in paragraph (d) paragraph 1)ii) unless the rate increase in paragraph (a) of this section is strictly based on specific factors for the consumer , such as. B reducing consumer credit risk. , the offender or the consumer`s default or a violation of the terms of the account. (1) transactions that the card issuer does not authorize; (f) common relations. When two or more consumers are jointly liable for a credit card account under an open credit plan (not guaranteed at home), the card issuer considers the favourable agreement of one of the common consumers to be a favorable consent to that account. Similarly, the card issuer treats the revocation of consent by one of the common consumers as a retraction of consent to that account. c) voting method. A card issuer may authorize a consumer to accept, in writing, verbally or electronically, the payment of a transaction on the limit by the card issuer, at the card issuer`s choice. The card issuer must also allow the consumer to withdraw their consent using the same methods available to the consumer to obtain consent. (B) Agreements do not contain personal data relating to a cardholder, such as name, address, telephone number or account number.
(i) Prior to the start of the agreement, the card issuer provided the consumer with a clear and visible written communication of the terms of the agreement (including any increase resulting from the conclusion or agreement). and (2) confirmation of the opt-in. The notification prescribed in paragraph b) paragraph 1) (iv) of this section may be forwarded at the latest to the first periodic declaration sent by the card issuer after the consumer`s agreement to pay for transactions beyond the limit. (v) agreements made at the request of the cardholder pursuant to Section 1026.58 (e) (1) (ii) or (e) (2) may be submitted by the issuer in electronic or paper form, regardless of the form of the cardholder`s application. Find instructions, your rights related to your credit rating and credit card protection. (2) Lower prices. i) the date. When a card issuer is required to reduce the rate applicable to an account covered in paragraph (a) (1) of this section, the card issuer lowers the rate no later than 45 days after the closing of the valuation under paragraph (a) (1).