Delta SkyMiles® Reserve American Express Card Agreement

American Express · Official agreement

Read the agreement

2 of 122 cards in Use & Processing

Use & Processing · Permission or license

You authorize the issuer, affiliates and contractors to contact you by any lawful method, including automated calls

If the issuer needs to contact you to service your account or collect amounts you owe, you authorize it (and 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 it, or at which it believes it can reach you. It may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or any other method permitted by law, using an automated dialer or prerecorded messages, and on a mobile, wireless or similar device even if you are charged for it.

Details
Who
Issuer and its affiliates, agents and contractors, such as debt collection agencies and service providers
Why
To service the account or collect amounts owed
What it does
Contact by calls, texts, email, push notifications, automated dialer or prerecorded messages

Supporting quotations

Servicing and Collections: 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 reaches affiliates, agents and contractors, not only the issuer.
  • Contact numbers include ones the issuer "believes" can reach you, not only those you gave.
  • Methods are limited to those "permitted by law".

Not stated here

  • The text does not describe any way to opt out of calls, texts or automated dialing.

Use & Processing · Permission or license

Paying by check authorizes a one-time electronic transfer from your bank account, possibly the same day

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 from your account 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.

Details
What it does
Uses check information to make a one-time electronic fund transfer
When
As soon as the same day the check is received

Supporting quotations

When you pay us by check; permission for electronic debit: 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.

Qualifications & exceptions

  • The authorization is for a one-time transfer for each check payment.

Not stated here

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