Morgan Stanley Blue Cash Preferred® American Express Card Agreement

Use & Processing · Permission or license

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

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 the issuer, or at which it 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, using an automated dialer or prerecorded messages, and on a mobile, wireless or similar device even if you are charged for it.

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

• Contact methods are those "permitted by law".
• Contact may be at numbers or addresses you did not give, if the issuer believes it can reach you there.
• Extends to affiliates, agents and contractors such as debt collection agencies.

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 the check (such as the 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 When it does this, the payment may be withdrawn as soon as the same day it receives your check, and you will not receive the check back from your bank or financial institution.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; 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

• Withdrawal may happen as soon as the same day the check is received.
• The check is not returned to you.
• The issuer may instead process the payment as a check in certain circumstances, which are not specified.

Not stated here

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