Centurion® Card from American Express Agreement

Account & Service Control · Context

'We' is the issuer; 'you' is the applicant, called the Basic or Primary Card Member

We, us and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for the Account and for whom American Express opened it, called the Basic or Primary Card Member. You may request Additional Cards (which include Companion Cards, if available) for Additional Card Members. Card means any American Express Card or other device that American Express issues to access your Account.

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Definitions: We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. We will refer to you as either the Basic or Primary Card Member. You may request Additional Cards (which include Companion Cards, if available) for Additional Card Members. Card means any American Express Card or other device that we issue to access your Account.

Qualifications & exceptions

• Companion Cards are covered only 'if available'.

Account & Service Control · Company practice

American Express decides whether to approve each charge using spending, payment and credit information

You may use the Card to make charges, and American Express decides whether to approve a charge based on how you spend and pay on this Account and other Accounts you have with it. It also considers your credit history and score and your personal resources that it knows about.

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Using the Card: You may use the Card to make charges. We decide whether to approve a charge, based on how you spend and pay on this Account and other Accounts you have with us.

We also consider your credit history and score and your personal resources that we know about.

Qualifications & exceptions

• Approval is a case-by-case decision by American Express.

Account & Service Control · Restriction or exception

You agree to use the Card for personal, family or household purposes only

You agree to use the Card for personal, family, or household purposes only.

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You agree to use the Card for personal, family, or household purposes only.

Account & Service Control · Restriction or exception

If a Spending Limit applies, going over it makes declines more likely but charges may still be approved

If there is a Spending Limit on page 1 of Part 1, the Account has a preset Spending Limit. If your total balance exceeds it, American Express is more likely to decline to authorize charges. It may approve charges that take the total balance over the limit, and you must still pay for those charges. It may also decline charges that would not take you over the limit, and may change or remove the Spending Limit at any time.

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However, if there is a Spending Limit on page 1 of Part 1 of this Agreement, then your Account has a preset Spending Limit. If at any time your total balance exceeds this Spending Limit, we are more likely to decline to authorize your charges. We may approve charges that cause your total balance to exceed the Spending Limit. If we do, you must still pay us for those charges. We may also decline to authorize charges, even if they do not cause your total balance to exceed the Spending Limit. We may change or remove the Spending Limit at any time.

Qualifications & exceptions

• The text applies only if page 1 of Part 1 shows a Spending Limit.

Not stated here

• Whether a Spending Limit applies to a given Account, and its amount, is not stated in this text.

Account & Service Control · Restriction or exception

American Express may decline charges for various reasons and is not responsible for losses from declines

American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if your Account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if any merchant refuses to accept the Card.

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Declined transactions: We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.

Qualifications & exceptions

• The listed reasons are examples ('including').

Account & Service Control · Permission or license

American Express can change Pay Over Time eligibility and suspend it at any time

Certain charges, such as cash advances, are not eligible for Pay Over Time, and American Express may change the eligibility of other charges. It may suspend Pay Over Time at any time based on its assessment of your creditworthiness, the status of your Account and/or your enrollment in a payment program. If your Account is past due or Pay Over Time is suspended, you cannot change the setting from inactive to active.

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Certain charges are not eligible for Pay Over Time, such as cash advances and we may change the eligibility of other charges for Pay Over Time. We may suspend Pay Over Time at any time based on our assessment of your creditworthiness, the status of your Account, and/or your enrollment in a payment program. In addition, if your Account is past due or Pay Over Time is suspended, you will not be able to change your Pay Over Time setting from inactive to active.

Qualifications & exceptions

• Suspension can be at any time; the stated bases are creditworthiness, Account status and payment program enrollment.

Account & Service Control · Company practice

Your Pay Over Time setting carries over when you transfer to a new Card with the same Account number

If you transfer to a new Card with the same Account number, the Pay Over Time setting at the time of transfer remains in effect on the new Card.

Details not recorded for this card

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If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card.

Account & Service Control · Restriction or exception

You may be unable to create plans if over the limit, suspended, cancelled, in a payment program, returned or past due

Your ability to create plans is based on factors such as your creditworthiness and your Pay Over Time Limit. You may not be able to create a plan if it would take you over the Pay Over Time Limit. You cannot create plans if Pay Over Time is suspended or the Account is cancelled. You also cannot create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment returned unpaid, or is past due.

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Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Pay Over Time Limit. You may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit. You will not be able to create plans if your Pay Over Time feature is suspended or your Account is cancelled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due.

Qualifications & exceptions

• The payment program, returned payment and past due conditions refer to any of your American Express Accounts, not only this one.

Account & Service Control · Permission or license

Additional Cards can be issued at your request, and their use may be reported to credit reporting agencies

American Express may issue Additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of the Agreement, and American Express may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of the Agreement. Additional Cards include Companion Cards, if available.

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Additional Card Members: We may issue Additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

You may request Additional Cards (which include Companion Cards, if available) for Additional Card Members.

Qualifications & exceptions

• Issuing an Additional Card is something American Express 'may' do at your request.
• Additional Cards include Companion Cards only 'if available'.

Account & Service Control · Restriction or exception

You are responsible for all use by Additional Card Members and anyone they let use the Account

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account, and you must pay for all charges made. You also authorize American Express to give Additional Card Members information about your Account and to discuss it with them. You can contact American Express to cancel an Additional Card Member's ability to use your Account.

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You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them. Contact us if you want to cancel an Additional Card Member's ability to use your Account.

Qualifications & exceptions

• Responsibility extends to anyone an Additional Card Member allows to use the Account.

Account & Service Control · Restriction or exception

You must tell American Express immediately when your address, email or phone changes, for each Account

You must notify American Express immediately if you change your mailing address, email address or telephone number. If you have more than one Account, you must notify it separately for each Account. It may update your billing address if it receives information that it has changed or is incorrect.

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Changing your contact information: You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Qualifications & exceptions

• Notice is required separately for each Account.

Account & Service Control · Restriction or exception

American Express may treat the Account as in default for violations, false information, bankruptcy or inability to pay

American Express may consider your Account to be in default if you violate a provision of the Agreement, you give it false information, you file for bankruptcy, you default under another agreement with it or an affiliate, or it believes you are unable or unwilling to pay your debts when due.

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Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

Qualifications & exceptions

• The last trigger rests on American Express's belief about you being unable or unwilling to pay.

Not stated here

• Another agreement with American Express or an affiliate is referred to but its text is not supplied here, so this card cannot say what would count as a default under it.

Account & Service Control · Permission or license

After default, incapacity or death, American Express may suspend charging, cancel features or demand payment in full

If American Express considers your Account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on your Account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately.

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If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Qualifications & exceptions

• Limited to what is permitted by federal and applicable state law.
• The trigger includes becoming incapacitated or dying, not only default.

Account & Service Control · Permission or license

American Express may cancel or suspend the Account or its features at any time and for any reason

American Express may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If it does, you must still pay for all charges under the Agreement's terms. It may agree to reinstate the Account and any Additional Cards, and charge any applicable annual fees and a fee to reinstate the Account.

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Closing or suspending your Account: We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement. We may agree to reinstate your Account, reinstate any Additional Cards issued on your Account, and charge you any applicable annual fees and a fee to reinstate the Account.

Qualifications & exceptions

• The right is stated for 'any reason', not only default.
• Reinstatement is at American Express's agreement, with a fee.

Not stated here

• The reinstatement fee amount is not stated here; the reopen fee for an Account the Card Member asks to re-open is in the next section.

Account & Service Control · User right or choice

You may close the Account; the Annual Fee is refunded only if you close within 30 days of the statement Closing Date

You may close your Account by calling or writing to American Express. If an Annual Fee applies, it will be refunded if you notify it that you are voluntarily closing the Account within 30 days after the Closing Date of the billing statement on which that fee appears. For cancellations after that 30-day period, the Annual Fee is non-refundable. This refund policy does not apply if your billing address is in the Commonwealth of Massachusetts when you close the Account. If your Account is cancelled and American Express re-opens it at your request, it may charge a $25 fee.

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You may close your Account by calling us or writing to us. If an Annual Fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears. For cancellations after this 30-day period, the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts at the time you close your Account, this policy will not apply to you. If your Account is cancelled and we re-open it at your request, we may charge you a $25 fee.

Qualifications & exceptions

• The 30 days run from the Closing Date of the statement on which the Annual Fee appears.
• The refund policy does not apply to a Massachusetts billing address at the time of closing.
• The $25 fee applies to re-opening an Account at the Card Member's request after cancellation.

Cross-references

• referred to by (model-proposed): Additional Card annual fee refunds follow the Part 3 closing policy, applied when the fee-bearing card is cancelled — The Additional Card annual fee refund policy points to the Closing or suspending your Account sub-section of Part 3, which sets the 30-day refund window and the Massachusetts exception.

Account & Service Control · Permission or license

American Express may add, change or remove any benefit, feature or service at its discretion

American Express has the right to add, modify or remove any benefit, feature or service included with or related to your Account, at its discretion.

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Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Not stated here

• No notice period is stated for changes to benefits.