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.
The information about costs of the card described in this application is accurate as of April
7, 2020. This information may have changed after that date. To find out what may have
changed, please write us at: Credit First National Association, BK-11/Customer Service, P.O.
Box 81315, Cleveland, Ohio 44181-0315.
READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, OR
SUBMIT YOUR ELECTRONIC CONSENT
This is your Consumer 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;
- Card Carrier - The card carrier we send with the credit card or cards we issue you;
- Promotional Credit 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
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.
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 about you from consumer reporting agencies 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. 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 document.
- 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 Account.
- 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 Card.
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 and 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, or agricultural purposes. 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 so.
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 and Minimum Payment
Due. 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. 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
unpaid Service Fee incurred during the previous Billing Cycle; or (b) $27 (or any amount
less than $27 needed to pay your Account balance in full). The New Balance used to determine
your Minimum Payment Due includes Regular Credit Plan transactions and Promotional Credit
Plan balances (see Section 6 below for a description of Credit Plans).
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 (800.321.3950) 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 Credit Terms. Except as otherwise prohibited, we will apply payments
greater 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 also follow the requirements of
applicable law when allocating your payments.
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 Promotional Credit
Plans. Any Promotional Credit Plan 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 Credit Plan. If your purchase amount qualifies for a Promotional Credit Plan,
you will automatically be enrolled in promotional financing and the applicable Promotional
Credit Plan terms will be given to you in a separate document. Promotional Credit 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 Credit Plans will not limit or affect any other rights we have under this
Agreement or applicable law.
7. 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 of $2 for any Billing Cycle in which an Interest Charge
of less than $2 would otherwise be imposed.
A. Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that
applies to your Revolving Balance is 2.4% (corresponding APR
28.8%) ("Interest Rate").
B. How We Calculate Average Daily Balance Subject to Periodic Interest
Charges. To get the Average Daily Balance for your Revolving Balance, we first
must determine 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.
C. When Interest Charges Begin to Accumulate. 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 Billing Cycle.
- 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.
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 of $29; or $40 if you did
not make the Minimum Payment in any of the prior six Billing Cycles by the Payment Due Date.
If we do not receive your mailed payment that is at least the Minimum Payment Due by 5PM ET
on your Payment Due Date, we may add to your account a Late Payment Fee of $29; or $40 if
you did not make the Minimum Payment in any of the prior six Billing Cycles. If we do not
receive your online (CFNA.com), Interactive Voice Response System (IVR, self-service
option), or CFNA representative assisted payment that is at least the Minimum Payment Due by
11:59PM ET on your Payment Due Date, we may add to your account a Late Payment Fee of $29;
or $40 if you did not make the Minimum Payment in any of the prior six Billing Cycles by the
Payment Due Date.
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 Account.
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 of $29, or $40 if you had a returned payment in any of the six prior
Billing Cycles, to the Revolving Balance of your Account. However, the Returned Payment Fee
will never exceed the amount of your most recent required Minimum Payment.
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, BK-11/Customer Service, P.O. Box 81315,
Cleveland, Ohio 44181-0315 or call us at 800.321.3950. 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
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 owe us.
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
11. CREDIT AUTHORIZATIONS. We will authorize all Account purchases in
advance. A merchant may ask you to provide identification. We may not be able to authorize a
transaction, even if you have sufficient available credit, for example 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 bureaus and other
creditors. If you believe that we have reported inaccurate information about you to a credit
reporting agency, please contact us at CFNA, BK-11/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 from us
or our servicers, assignees, or third party debt collector at that number. We may monitor
and/or record telephone calls between you and us to assure the quality of our customer
service. You agree that monitoring and/or recording may be done and that no additional
notice to you or additional approval from you is needed.
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 in Ohio.
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 Account.
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
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
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: http://www.adr.org/. 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, BK-12/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. 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 use of your Card or Account represents your
signature on this Agreement.
California Residents: If you are married, you may apply for a separate
New York 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.
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.
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.
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, BK-11/Customer
Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.
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. 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 question.
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 that
- 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 at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland,
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.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW
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 also ask to
see your driver's license or other identifying documents.
R014 CFNA 04/2020