Optima® Credit Card Agreement

Use & Processing · Permission or license

You authorize the issuer and its agents to contact you by many means, including automated dialers and texts

For servicing the Account or collecting amounts you owe, you authorize the issuer, its affiliates, agents and contractors (such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact the issuer, or at which the issuer believes it can reach you. It may contact you in any way permitted by law, such as calling, texting, emailing or sending mobile application push notifications. It may use an automated dialer or prerecorded messages, and may contact you on a mobile, wireless or similar device even if you are charged for it.

Supporting quotations

If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us, or at which we believe we can reach you.

We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or using any other method of communication permitted by law. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.

Qualifications & exceptions

• The authorization is stated for contact needed to service the account or collect amounts owed, and contact must be by methods 'permitted by law'.
• It extends to numbers or addresses the issuer 'believes' can reach you, not only ones you supplied.

Not stated here

• The agreement does not describe a way to opt out of this contact authorization in this paragraph.

Use & Processing · Permission or license

Paying by check authorizes a one-time electronic debit, possibly the same day, and the check is not returned

When you pay by check, you authorize the issuer to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account. When it does this, your payment may be withdrawn as soon as the same day it receives your check, and you will not receive the check back from your bank or financial institution. In certain circumstances the issuer may process your payment as a check transaction.

Supporting quotations

When you pay us by check, you authorize us to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account.

When we do this, your payment may be withdrawn from your bank or other asset account as soon as the same day we receive your check, and you will not receive that check back from your bank or financial institution. In certain circumstances, we may process your payment as a check transaction.

Not stated here

• The 'certain circumstances' in which a payment is processed as a check transaction are not described.