Amex EveryDay® Credit Card Agreement

Account & Service Control · Restriction or exception

American Express sets and can change the Credit Limit and Cash Advance Limit, and you agree to keep balances within them

American Express assigns a Credit Limit and may make part of it available for cash advances (the Cash Advance Limit); there may also be an ATM withdrawal limit for a period. It may increase or reduce either limit, even if you pay on time and the Account is not in default. You agree to manage your Account so that the Account balance (including fees and interest) is not more than the Credit Limit and the cash advance balance (including fees and interest) is not more than the Cash Advance Limit. Plan balances, including plan fees, also must stay within the Credit Limit.

Supporting quotations

We assign a Credit Limit to your Account. We may make part of your Credit Limit available for cash advances (Cash Advance Limit). There may also be a limit on the amount you can withdraw from ATMs in a given period.

We may increase or reduce your Credit Limit and Cash Advance Limit. We may do so even if you pay on time and your Account is not in default.

your Account balance (including fees and interest) is not more than your Credit Limit

your cash advance balance (including fees and interest) is not more than your Cash Advance Limit

You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Qualifications & exceptions

• Limits can change at American Express discretion; paying on time and not being in default does not prevent a reduction.
• Fees and interest count toward the balances you agree to keep within the limits.

Not stated here

• The limits themselves are said to appear on page 1 of Part 1 and on each billing statement; the supplied text shows no amounts.
• The ATM withdrawal limit amount and period are not given.

Account & Service Control · User right or choice

You can cancel the Card without fees if you have not used the Account or made a payment after getting a statement

The Agreement says that "If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees." The sentence can be read two ways: that neither has happened (no use and no payment after a statement), or that either has not happened. The text does not settle which reading applies. It speaks only of not owing fees on cancellation, not of other charges.

Supporting quotations

If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

Qualifications & exceptions

• The conditions are the Account not yet being used or paid after receiving a billing statement.
• The relief stated is no obligation to pay any fees.

Not stated here

• The sentence is ambiguous about whether both conditions or either one must hold.
• The passage does not say how to cancel or what happens to charges already made.

Account & Service Control · Restriction or exception

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

You may use the Card to make charges. At its discretion, American Express may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by American Express 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 "at our discretion", not a given.
• Balance transfers cannot come from accounts issued by American Express or its affiliates.
• Use is limited to personal, family or household purposes.

Not stated here

• The passage does not say what happens if the Card is used for another purpose.

Account & Service Control · Company practice

Merchants may store your Card number; American Express may tell them of number or status changes unless you opt out

You may arrange for certain merchants and third parties to store your Card number and expiration date, for example to charge your Account at regular intervals. American Express may, but is not required to, tell those merchants and third parties if your expiration date or Card number changes or if your Account status is updated, including if the Account is cancelled. If you do not want updated Account information shared, you can contact American Express using the number on the back of the Card.

Supporting quotations

You may arrange for certain merchants and third parties to store your Card number and expiration date

We may (but are not required to) tell these merchants and third parties if your expiration date or Card number changes or if your Account status is updated, including if your Account is cancelled. If you do not want us to share your updated Account information, please contact us using the number on the back of your Card.

Qualifications & exceptions

• Sharing is something American Express "may (but [is] not required to)" do.
• The way to stop it is to contact American Express.

Not stated here

• The passage does not say which merchants or third parties receive updates or how quickly an opt-out takes effect.

Account & Service Control · Permission or license

American Express may decline a charge even within the Credit Limit and not in default, without responsibility for losses

American Express may decline to authorize a charge for various reasons, including suspected fraud or its assessment of your creditworthiness, even if the charge would not put you over the Credit Limit and even if the Account is not in default. It is not responsible for losses you incur if it does not authorize a charge or if 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 ("including"), not a complete list.

Not stated here

• The passage does not say whether you are told why a charge was declined.

Account & Service Control · Restriction or exception

Plan creation depends on creditworthiness; some situations block it; the number of plans can change

Your ability to create plans depends on factors such as your creditworthiness and Credit Limit. You cannot create plans if your Account is cancelled, or if one or more of your American Express accounts is enrolled in a payment program, has a payment returned unpaid, or is past due. American Express tells you how many active plans you may have and may change that number at any time. The plan durations offered, and whether you can put multiple qualifying purchases or a qualifying amount in one plan, are at its discretion. You agree to keep the total of your plan balances, including plan fees, within your Credit Limit.

Supporting quotations

Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Credit Limit. You will not be able to create plans if 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, or has a payment that is returned unpaid, or is past due.

We will tell you the number of active plans you may have and we may change this number at any time. The plan durations offered to you, and your ability to include multiple qualifying purchases or a qualifying amount in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history. You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.

Qualifications & exceptions

• The blocks apply when any one of your American Express accounts is enrolled in a payment program, has a returned payment, or is past due, not only this Account.
• American Express may change the number of active plans at any time.
• Durations and multi-purchase plans are at its discretion.

Not stated here

• "Payment program" is not defined in the supplied text.
• The number of active plans and the creditworthiness factors are not stated.

Account & Service Control · Company practice

Additional Card Members can use your Account under this Agreement, and you are responsible for all their use

American Express may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to this Agreement, and their use of the Account may be reported to credit reporting agencies. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use it, 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.

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.

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.

You may request a Card for an Additional Card Member.

Qualifications & exceptions

• Your responsibility extends to anyone an Additional Card Member allows to use the Account.
• Your authorization lets American Express discuss your Account with Additional Card Members.

Not stated here

• The passage does not say whether a cancelled Additional Card Member's existing charges remain yours.

Account & Service Control · Procedure

You must tell American Express immediately of address, email or phone changes, separately 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 need to notify it separately for each Account. American Express may update your billing address if it receives information that it has changed or is incorrect.

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.

Qualifications & exceptions

• Notice is required for each Account separately.
• American Express may update the billing address based on information it receives.

Not stated here

• The passage does not say what sources of information it may use to update a billing address.

Account & Service Control · Restriction or exception

The Account may be treated as in default for violations, false information, bankruptcy or belief you cannot pay

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

Supporting quotations

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

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

Qualifications & exceptions

• It is something American Express "may" consider; the passage does not make default automatic.
• The last reason rests on American Express's belief that you are unable or unwilling to pay.

Not stated here

• The passage does not say whether a late payment is by itself a violation of the Agreement.
• Cure or notice rights are not mentioned in this passage.
• The list item about violating "this Agreement" refers to the Agreement itself, not a separate linked document; no other document's text is supplied here or needed for this card.

Account & Service Control · Restriction or exception

On default, incapacity or death, American Express may suspend charges or features and demand payment now

If American Express considers the 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.

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

require you to pay your Account balance immediately

Qualifications & exceptions

• These are things American Express "may" do, to the extent federal and applicable state law permit.
• The triggers include default, incapacity and death.

Not stated here

• The passage does not say whether notice is given before these steps.

Account & Service Control · Permission or license

American Express may cancel or suspend the Account or its features at any time for any reason; you still owe all charges

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 any of these, you must still pay for all charges under the Agreement. If it later agrees to reinstate your Account, it may reinstate any additional Cards issued on the 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

• "At any time and for any reason" is stated without conditions in this passage.
• Reinstatement is something American Express "may" agree to.

Not stated here

• The reinstatement fee amount is not given in this passage; Part 1 lists a $25 re-opening fee for a cancelled Account that is re-opened at your request.
• The passage does not state any notice before cancellation or suspension.

Account & Service Control · User right or choice

You can close the Account by call or letter; an annual fee is refunded only within 30 days (not Massachusetts)

You may close your Account by calling or writing to American Express. If an Annual Fee applies, it refunds that fee if you notify it that you are voluntarily closing the Account within 30 days after the Closing Date of the billing statement on which the fee appears. After that 30-day period, the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts at the time you close the Account, this policy does not apply to you. If a cancelled account is re-opened at your request, American Express 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

• The refund applies only "if an Annual Fee applies"; Part 1 lists no Annual Fee for this card or additional cards.
• The 30 days count from the Closing Date of the statement on which the fee appears.
• The refund policy does not apply to a Massachusetts billing address; the passage does not say what applies instead.

Not stated here

• The passage does not say what, if anything, applies to a Massachusetts billing address in place of the policy.
• The passage words the re-opening fee as one American Express "may" charge; Part 1 states it as $25.

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.

Supporting quotations

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

• Covers benefits, features and services "included with or related to" the Account.
• Exercised at its discretion.

Not stated here

• The passage does not say whether notice is given before a benefit changes.