Delta SkyMiles® Blue American Express Card Agreement

Account & Service Control · Company practice

American Express assigns a Credit Limit and Cash Advance Limit and may raise or lower them at any time

American Express assigns a Credit Limit and may make part of it available for cash advances (the Cash Advance Limit); there may also be a limit on ATM withdrawals in a given period. The limits are shown on page 1 of Part 1 and on each billing statement. American Express may increase or reduce either limit even if the Card Member pays on time and the Account is not in default. The Card Member agrees to manage the Account so that the Account balance (including fees and interest) stays within the Credit Limit, the cash advance balance (including fees and interest) stays within the Cash Advance Limit, and, if a plan exists, total plan balances including plan fees 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. You agree to manage your Account so that:

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

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

• The ATM limit is described as something that "may" exist, without an amount.
• The statement that limits are "shown on page 1 of Part 1" refers to a Part 1 that, in this published copy, does not show them.

Not stated here

• The amounts of the Credit Limit, Cash Advance Limit and any ATM withdrawal limit are not in this published agreement.

Cross-references

• contrast (model-proposed): Charges over the Credit Limit may be approved with no overlimit fee, and the excess may be called for promptly — The Card Member agrees to keep the balance within the Credit Limit, while American Express may approve charges over the limit with no overlimit fee and may ask for the excess to be paid promptly. The two provisions pull in different directions; the agreement does not reconcile them.

Account & Service Control · Procedure

Questions about additional miles go to the number on the Card; the miles balance can be viewed in the online account

For questions about additional miles on a purchase, the Card Member is told to call the number on the back of the Card, and to visit americanexpress.com/rewards-info for more information about rewards. The miles balance can be viewed by logging onto the online account at americanexpress.com and viewing the account summary page.

Supporting quotations

For questions about additional miles on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

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

Not stated here

• The content of the referenced rewards information page is not part of this agreement.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique active Delta SkyMiles account or the Card Account may be cancelled

Each Basic Card Member must have a unique Delta SkyMiles loyalty account, and American Express may cancel the Card Account if the Card Member does 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.

Not stated here

• What makes a Delta SkyMiles account "active" is set by Delta and is not defined here.

Account & Service Control · Procedure

Card benefits and their terms are viewable in the online account's Benefits Dashboard

The Card Member can view all Card benefits and the corresponding Terms and Conditions by logging onto the account at americanexpress.com and viewing the account Benefits Dashboard. Those benefit terms are not reproduced in this agreement.

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 benefits and their Terms and Conditions are not supplied.

Account & Service Control · Restriction or exception

The Card is for personal, family or household use; plans and cash advances are at American Express's discretion

The Card may be used to make charges. At American Express's discretion it may permit plans, cash advances or balance transfers. Balances cannot be transferred from any other account issued by American Express or its affiliates. The Card Member agrees 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.

Not stated here

• The agreement does not say what happens if the Card is used for a non-personal purpose.

Account & Service Control · Restriction or exception

American Express may decline a charge for various reasons and is not responsible for resulting losses

American Express may decline to authorize a charge for various reasons, including suspected fraud or its assessment of the Card Member's creditworthiness, even if the charge would not take the balance over the Credit Limit and even if the Account is not in default. It says it is not responsible for losses if it does not authorize a charge or if a 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

• "Various reasons" is open-ended; two examples are given.

Account & Service Control · Company practice

Additional Cards may be issued on request, and American Express may report their use to credit reporting agencies

American Express may issue additional Cards on the Account at the Card Member's request. Additional Card Members can use the Account subject to the Agreement, and American Express may report their use of the Account to credit reporting agencies. If an Annual Fee applies to Additional Cards, it is shown on page 2 of Part 1; for this Card Part 1 states the Annual Fee for Additional Cards is None.

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.

Account & Service Control · Company practice

The Card Member is responsible for Additional Card Member use and authorizes sharing Account information with them

The Card Member is responsible for all use of the Account by Additional Card Members and anyone they allow to use it, and must pay for all charges made. The Card Member also authorizes American Express to give Additional Card Members information about the Account and to discuss it with them. The Card Member must contact American Express to cancel an Additional Card Member's ability to use the Account. If an Annual Fee applies for an Additional Card, the refund policy in the Closing or suspending your Account sub-section of Part 3 applies, and if a single Annual Fee applies for a group of Additional Cards, that policy applies when the Additional Card on which the fee was assessed is cancelled.

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

• For this Card the table states no Annual Fee for Additional Cards, so the refund pointer applies only if a fee were to apply.

Not stated here

• The amount of any information shared with Additional Card Members is not limited in this paragraph.

Account & Service Control · Company practice

Notices go by mail, courier or electronically and count as given when mailed or delivered electronically

American Express sends notices by U.S. mail, courier, or electronically using the information in its records. It considers a notice given when it mails the notice or delivers it electronically.

Supporting quotations

Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.

Qualifications & exceptions

• A notice counts as given when sent, not when received.

Account & Service Control · Procedure

The Card Member must tell American Express right away about a new address, email or phone, separately for each Account

The Card Member must notify American Express immediately if the mailing address, email address or telephone number changes, and must do so separately for each Account if there is more than one. American Express may update the 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

• American Express may update the billing address based on information it receives, without the Card Member's notice.

Not stated here

• The sources American Express may use to learn of a changed billing address are not named.

Account & Service Control · User right or choice

A Card Member who believes information given to a credit reporting agency is wrong can write to the Credit Bureau Unit

If the Card Member believes information American Express gave to a credit reporting agency is incorrect, the Card Member can write to American Express Credit Bureau Unit at the address given, and must tell it the specific information believed to be 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.

Not stated here

• The agreement does not state a response time or outcome of such a request.

Account & Service Control · Restriction or exception

The Account may be treated as in default for violations, false information, bankruptcy or inability to pay

American Express may consider the Account in default if the Card Member violates a provision of the Agreement, gives false information, files for bankruptcy, defaults under another agreement with American Express or an affiliate, or if American Express believes the Card Member is unable or unwilling to pay 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

• The last trigger rests on American Express's belief.
• Default under an agreement with an affiliate is a trigger even if the Card Member has met every duty here.

Not stated here

• The agreement does not provide notice or a chance to cure before default is declared.
• The text of any other agreement with American Express or an affiliate, whose default is a trigger, is not supplied here, so what counts as default under it cannot be stated.

Account & Service Control · Restriction or exception

On default, incapacity or death American Express may suspend, cancel or demand payment; collection costs are owed

If American Express considers the Account in default, or the Card Member becomes incapacitated or dies, it may, to the extent permitted by federal and applicable state law, suspend the ability to make charges, cancel or suspend any feature on the Account, require payment of more than the Minimum Payment Due immediately, and require payment of the Account balance immediately. The Card Member also agrees to pay all reasonable costs, including attorneys' fees, that American Express incurs to collect amounts owed.

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.

Collection costs: You agree to pay all reasonable costs, including attorneys' fees, that we incur to collect amounts you owe.

Qualifications & exceptions

• Every consequence is stated "to the extent permitted by federal and applicable state law".

Account & Service Control · User right or choice

American Express may close or suspend the Account at any time; the Card Member may close it, with a 30-day fee refund

American Express may, at any time and for any reason, cancel the Account, suspend the ability to make charges, or cancel or suspend any feature. The Card Member must still pay all charges under the Agreement. If American Express later agrees to reinstate the Account, it may reinstate additional Cards and charge applicable annual fees and a fee to reinstate. The Card Member may close the Account by calling or writing. If an Annual Fee applies, it is refunded if the Card Member notifies American Express of voluntary closure within 30 days after the Closing Date of the statement on which the fee appears; after that period it is non-refundable, and the refund policy does not apply if the billing address is in Massachusetts when the Account is closed. A $25 fee may be charged if a cancelled account is re-opened at the Card Member's request. For this Card Part 1 states the annual fee is None.

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.

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.

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 annual fee refund pointer applies only if an Annual Fee applies; this Card's Part 1 lists none.

Not stated here

• The amount of the "fee to reinstate" in the first reinstatement sentence is not stated there; the $25 figure appears in the next paragraph for re-opening at the Card Member's request.

Account & Service Control · Permission or license

American Express may add, modify or remove any Account 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 the 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

• This is stated for any benefit, feature or service related to the Account, which would include the reward program also covered by its own change clause.

Not stated here

• No notice period is stated in this paragraph.