Plans, cash advances and balance transfers are at the issuer's discretion; no transfers from other issuer accounts
You may use the Card to make charges. At the issuer's discretion, it may permit you to create plans, make cash advances or make balance transfers. You cannot transfer balances from any other account issued by the issuer or its affiliates.
Details
What it does
May permit plans, cash advances or balance transfers at its discretion
Exception
No balance transfers from other accounts issued by the issuer or its affiliates
Supporting quotations
You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers.
You cannot transfer balances from any other account issued by us or our affiliates.
Qualifications & exceptions
Permission for plans, cash advances and balance transfers is "at our discretion".
The issuer may decline a charge, including for suspected fraud or creditworthiness, and is not responsible for losses
The issuer may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the charge would not put you over your Credit Limit and your account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if a merchant refuses to accept the Card.
Details
What it does
May decline to authorize a charge
Exception
Not responsible for losses if a charge is not authorized or a merchant refuses the Card
Supporting quotations
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 the charge would not cause you to go over your Credit Limit and 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 reasons listed are examples ("various reasons, including").
Account & Service Control · Permission or license
Additional Cards issue at your request; their use is subject to the Agreement and may be reported to credit bureaus
The issuer 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 the issuer may report their use of your account to credit reporting agencies. If an Annual Fee applies to Additional Cards, it is shown on page 2 of Part 1 of the Agreement.
Details
What it does
Issues additional Cards at your request; may report their use to credit reporting agencies
Supporting quotations
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 a Card for an Additional Card Member.
Qualifications & exceptions
The Annual Fee sentence is conditional ("If an Annual Fee applies"); the fee list in Part 1 shows an Annual Fee for Additional Cards of None.
Account & Service Control · Restriction or exception
You answer for all use by Additional Card Members and anyone they allow; account information may be shared with them
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 the issuer to give Additional Card Members information about your account and to discuss it with them. You can contact the issuer if you want to cancel an Additional Card Member's ability to use your account.
Details
Who
You (the Primary Card Member)
What it covers
Charges by Additional Card Members and anyone they allow; account information shared with Additional Card Members
What it does
Contact the issuer to cancel an Additional Card Member's ability to use the Account
Supporting quotations
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.
Account & Service Control · Restriction or exception
You must tell the issuer right away about address, email or phone changes, separately for each account
You must notify the issuer immediately if you change your mailing address, email address or telephone number. If you have more than one account, you need to notify the issuer separately for each account. The issuer may update your billing address if it receives information that it has changed or is incorrect.
Details
What it does
Notify the issuer immediately of changes, separately for each Account
What it does
The issuer may update the billing address
Supporting quotations
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.
Account & Service Control · Permission or license
The issuer may cancel or suspend the account or any feature at any time for any reason, and you still owe all charges
The issuer 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 any of these, you must still pay all charges under the terms of the Agreement.
Details
Who
American Express
What it does
May cancel the Account, suspend charges, or cancel or suspend features at any time for any reason
What it covers
You must still pay all charges
Supporting quotations
We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, 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.
Qualifications & exceptions
Cancellation does not remove your obligation to pay; cancelled accounts also forfeit reward dollars under the rewards supplement.
You may close the account by calling or writing; an annual fee is refunded only if you close within 30 days
You may close your account by calling or writing to the issuer. If an Annual Fee applies, it will be refunded if you notify the issuer 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 policy does not apply if your billing address is in the Commonwealth of Massachusetts when you close the account.
Details
What it does
Close the Account by calling or writing
When
Annual Fee refunded if the account is closed within 30 days after the Closing Date of the statement showing the fee
Where
Commonwealth of Massachusetts billing address: policy does not apply
Supporting quotations
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.
Qualifications & exceptions
The refund rule is conditional on an Annual Fee applying; Part 1 shows no Annual Fee for this card.
The Massachusetts billing address exception means the policy does not apply to those accounts.
Not stated here
The text does not say what applies to a Massachusetts account instead of this refund policy.
The issuer may add, change or remove any benefit, feature or service of the account at its discretion
The issuer has the right to add, modify or remove any benefit, feature or service included with or related to your account at its discretion.
Details
Who
American Express
What it does
Add, modify or remove any benefit, feature or service at its discretion
Supporting quotations
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
The text does not say how much notice is given of such a change.