The Credit Card Responsibility Agreement serves as the foundational document governing the relationship between credit card issuers and cardholders in England and Wales. This agreement is essential when establishing new credit card accounts and must comply with the Consumer Credit Act 1974, Financial Services and Markets Act 2000, and FCA regulations. It defines critical aspects such as credit limits, interest calculations, payment obligations, security measures, and cardholder responsibilities, while protecting both parties' interests under UK law.
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1. Parties: Identification of the credit card issuer and cardholder
2. Background: Context of the agreement and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Card Usage Terms: Rules and conditions for using the credit card
5. Payment Obligations: Terms relating to minimum payments, due dates, and methods
6. Interest and Charges: Details of applicable interest rates and fees
7. Security Requirements: Cardholder obligations regarding card security
8. Default and Consequences: Terms relating to default events and resulting actions
9. Term and Termination: Duration of agreement and termination provisions
10. Governing Law and Jurisdiction: Specification of applicable law and jurisdiction for disputes
1. Additional Cardholders: Terms and conditions applicable to supplementary cardholders
2. Rewards Program: Terms relating to any card rewards or loyalty program features
3. Insurance Benefits: Details of any insurance coverage included with the card
4. Foreign Transaction Terms: Specific terms relating to international card usage and foreign currency transactions
5. Digital Services: Terms relating to online banking and digital card services
1. Schedule 1: Fee Schedule: Comprehensive breakdown of all applicable fees and charges
2. Schedule 2: Interest Rate Information: Detailed information about interest calculations and applicable rates
3. Appendix A: Credit Limit Calculation: Methodology for determining and reviewing credit limits
4. Appendix B: Data Protection Notice: Detailed privacy and data protection information
5. Appendix C: Regulatory Disclosures: Required regulatory disclosures and statements
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