Optima® Credit Card Agreement

American Express · Official agreement

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1 of 89 cards in Linking & Identification

Linking & Identification · Permission or license

You agree the issuer will obtain credit reports, verify income, use the data for any purpose and report to bureaus

You agree that the issuer will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources, including information to verify and re-verify your employment and income. You agree that the issuer will use that information for any purposes, for example marketing to you or evaluating you for a new account, subject to applicable law. You agree that the issuer will give information about the Account to credit reporting agencies. The issuer will tell a credit reporting agency if you fail to comply with the Agreement, which may have a negative impact on your credit report.

Details
Who
The issuer
What it covers
Credit reports, employment and income information, Account information
Why
Any purposes, for example marketing or evaluating you for a new account

Supporting quotations

You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources including information to verify and re-verify your employment and income.
And you agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law.
You agree that we will give information about the Account to credit reporting agencies. We will tell a credit reporting agency if you fail to comply with the terms of this Agreement. This may have a negative impact on your credit report.

Qualifications & exceptions

  • The use of the information for 'any purposes' is limited by 'subject to applicable law'.

Not stated here

  • The 'other sources' of information are not identified.