Delta SkyMiles® Reserve American Express Card Agreement

Account & Service Control · Company practice

Account re-opening fee is $25 if a cancelled account is re-opened at your request

If your Account is cancelled, you ask the issuer to re-open it, and it does so, the fee is $25.

Supporting quotations

Account Re-opening: $25 if your Account is cancelled, you ask us to re-open it, and we do so.

Account & Service Control · User right or choice

You can view your miles balance in your online account summary

You can view your miles balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Supporting quotations

You can view your miles balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique active Delta SkyMiles account or the issuer may cancel the Card Account

Each Basic Card Member must have a unique Delta SkyMiles loyalty account. American Express may cancel your Card Account if you do not maintain an active Delta SkyMiles loyalty account.

Supporting quotations

Each Basic Card Member must have a unique Delta SkyMiles loyalty account. American Express may cancel your Card Account if you do not maintain an active Delta SkyMiles loyalty account.

Qualifications & exceptions

• "May cancel" is discretionary.

Not stated here

• The text does not say what makes a Delta SkyMiles account "active" or how much notice precedes a cancellation.

Account & Service Control · Context

Card benefits and their terms are viewable in the account Benefits Dashboard, not set out here

You can view all Card benefits and corresponding Terms and Conditions by logging onto your account at americanexpress.com and viewing your account Benefits Dashboard.

Supporting quotations

You can view all Card benefits and corresponding Terms and Conditions by logging onto your account at americanexpress.com and viewing your account Benefits Dashboard.

Not stated here

• The benefit terms are not part of this document.

Account & Service Control · Restriction or exception

The Card is for personal, family or household use; plans, cash advances and balance transfers are discretionary

You may use the Card to make charges. At the issuer's discretion, it may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by the issuer or its affiliates. You agree to use the Card for personal, family, or household purposes only.

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.

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

Qualifications & exceptions

• Plans, cash advances and balance transfers are available only if the issuer permits them.
• Balances from other accounts issued by the issuer or its affiliates cannot be transferred.

Not stated here

• The text does not say whether balance transfers from other issuers are actually offered on this Card.

Account & Service Control · Restriction or exception

The issuer may decline a charge for various reasons, even within the limit, and is not responsible for resulting 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 take 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 any merchant refuses to accept 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 ("including"); the list is not exclusive.

Account & Service Control · Permission or license

The issuer may issue additional Cards at your request; their use is covered by the Agreement and may be reported

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.

Supporting quotations

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.

Qualifications & exceptions

• Additional Cards are issued at your request; "may issue" leaves the decision to the issuer.

Not stated here

• The page reference to page 2 of Part 1 is quoted as published; the $175 per additional card fee appears in the How Rates and Fees Work text.

Account & Service Control · Company practice

You are responsible for all use by Additional Card Members and those they allow, who can also get Account details

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. Contact the issuer if you want to cancel an Additional Card Member's ability to use your Account. If an Annual Fee applies for an Additional Card, the refund policy is the one disclosed in the Closing or suspending your Account sub-section of Part 3. If a single Annual Fee applies for a group of Additional Cards, that policy applies when you cancel the Additional Card on which the fee was assessed.

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.

If an Annual Fee applies for an Additional Card, please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. If a single Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.

Qualifications & exceptions

• Responsibility covers people the Additional Card Members allow to use the Account.
• Cancelling an Additional Card Member's ability requires contacting the issuer.

Not stated here

• The annual fee refund terms themselves are in Part 3 and are not repeated here.

Cross-references

• refers to (model-proposed): You may close the Account by calling or writing; the annual fee is refunded only within 30 days of its statement — The Additional Card Member paragraph sends you to the refund policy in the Closing or suspending your Account sub-section of Part 3, which is the passage on annual fee refunds and the Massachusetts exception.

Account & Service Control · Procedure

You must tell the issuer right away if your 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.

Supporting quotations

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 for each Account separately.

Account & Service Control · Procedure

If credit bureau information looks wrong, write to the American Express Credit Bureau Unit with the specific information

If you believe information the issuer has given to a credit reporting agency is incorrect, write to American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537, and tell it the specific information you believe is incorrect.

Supporting quotations

If you believe information we have given to a credit reporting agency is incorrect, write to us at: American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the specific information you believe is incorrect.

Account & Service Control · Restriction or exception

The issuer may treat the Account as in default for a violation, false information, bankruptcy or inability to pay

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

Supporting quotations

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

• "May consider" leaves default to the issuer's judgment.
• The last trigger rests on what the issuer "believes".

Not stated here

• The text of any other document the Agreement may refer to is not supplied here, so this card cannot say which provisions a violation would involve beyond what is stated.

Account & Service Control · Permission or license

On default, incapacity or death the issuer may suspend charges, cancel features and demand the balance

If the issuer 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 the Minimum Payment Due immediately, and require you to pay your Account balance immediately.

Supporting quotations

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

• Remedies apply "to the extent permitted by federal and applicable state law".
• The triggers include incapacity or death, not only default.

Account & Service Control · Permission or license

The issuer may cancel the Account or suspend charges or features at any time for any reason; 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 for all charges under the Agreement. If the issuer later agrees to reinstate your Account, it may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Supporting quotations

Closing or suspending your Account: 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.

If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Qualifications & exceptions

• No cause is required: "at any time and for any reason".

Not stated here

• The amount of the reinstatement fee is not stated in this passage; elsewhere the text states a $25 re-opening fee.

Account & Service Control · User right or choice

You may close the Account by calling or writing; the annual fee is refunded only within 30 days of its statement

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 the fee appears. For cancellations after those 30 days the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts when you close the Account, this refund policy does not apply to you. If your account is cancelled and the issuer re-opens it at your request, it may charge a $25 fee.

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.

If your account is cancelled and we re-open it at your request, we may charge you a $25 fee.

Qualifications & exceptions

• Refund requires voluntary closing and notice within 30 days after the Closing Date of the statement showing the fee.
• The refund policy does not apply to Massachusetts billing addresses.

Not stated here

• The text does not say what refund rule applies to a Massachusetts billing address instead.
• The re-opening fee is stated here as "may charge"; the Rates and Fees text states it as $25.

Cross-references

• qualifies (model-proposed): Annual fee is $650; each additional Delta Reserve card costs $175 — The Annual Fee is refunded only if you close the Account within 30 days after the Closing Date of the statement showing the fee, and the refund does not apply to Massachusetts billing addresses.
• referred to by (model-proposed): You are responsible for all use by Additional Card Members and those they allow, who can also get Account details — The Additional Card Member paragraph sends you to the refund policy in the Closing or suspending your Account sub-section of Part 3, which is the passage on annual fee refunds and the Massachusetts exception.

Account & Service Control · Permission or license

The issuer may add, change or remove any benefit, feature or service tied to your 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.

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.

Qualifications & exceptions

• No notice or limit is stated in this sentence.