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This is not intended to be a complete summary of the Card Agreement’s contents, and we encourage you to read your entire Card Agreement, including the arbitration provision, before you use your Account. |  |\n| 1 | DEFINITIONS\u003Cbr>Lists the meanings of particular phrases and terms used in the Card Agreement. |\n| 2 | YOUR ACCOUNT\u003Cbr>Describes some of your responsibilities for using your Account. |\n| 3 | ANNUAL PERCENTAGE RATES & INTEREST CHARGES\u003Cbr>Shows how we calculate interest rates and how that affects your Account balance. |\n| 4 | FEES & FOREIGN CURRENCY CONVERSION\u003Cbr>Describes the fees that can be applied to your Account, including late fees and returned payment fees. |\n| 5 | PAYMENTS\u003Cbr>Shows how your monthly Minimum Payment Due is calculated, tells you how we apply your payments to balances, and gives you certain instructions for making payments (and tells you the possible consequences of not following those instructions) . |\n| 6 | AUTHORIZED USERS\u003Cbr>Describes an Authorized User’s rights and your responsibility for that user. Also describes what information we can share about you and your Authorized User. |\n| 7 | DEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT\u003Cbr>Tells you when we may require immediate payment of your total Account balance, and explains when we may close or suspend your Account, and when you may close your Account. |\n| 8 | CREDIT REPORTING\u003Cbr>Describes what information we provide about you to credit reporting agencies, and how to dispute items on your report. This section also explains how we use information we get about you from those agencies. |\n| 9 | ACCOUNT INFORMATION, INFORMATION SHARING & COMMUNICATIONS\u003Cbr>Explains that your personal information we use to manage your Account should always be up to date. Also notes that we share information about you and your Account. In addition, this section describes how we may contact you. |\n| 10 | TRANSACTIONS\u003Cbr>Provides important information about merchant credits, recurring Transactions and card refusals. |\n| 11 | ARBITRATION\u003Cbr>Explains that, if you or we choose arbitration for particular disputes, neither you nor we will be allowed to go to court, have a jury trial or initiate or participate in a class action. This section also explains how arbitration works, some of the differences between arbitration and court, and what claims are excluded from the arbitration agreement. |\n| 12 | AGREEMENT & BENEFIT CHANGES\u003Cbr>Explains that we can make changes to the Card Agreement and your card benefits and features. |\n| 13 | MISCELLANEOUS\u003Cbr>Explains subjects that aren’t included in previous sections. |\n| 14 | YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\u003Cbr>Explains your billing rights, which include how to address possible statement mistakes and your rights if you’re not satisfied with a Purchase. |\n\nCard Agreement  \nThis Card Agreement (Agreement) is your contract with us.  \nThe Facts about Interest and Fees document (Fact Sheet) is part of this Agreement. The Fact Sheet shows important information about your Account, such as your annual percentage rates and certain fees. Any amendments to this Agreement also are part of this Agreement.  \nPlease read all parts of this Agreement, including the arbitration provision, and keep it for your records.  \n\n| Note: Throughout the Agreement are examples, helpful tips, and additional explanations that will make the Agreement easier to understand. |\n| --- |\n| 1 |\n| DEFINITIONS\u003Cbr>Account – Your Costco Anywhere Visa® Card Account.\u003Cbr>Adjusted New Balance – Your New Balance less any Citi Flex Plan balance.\u003Cbr>Annual Percentage Rate (APR)–A rate, shown as a percentage, used to calculate interest on the balance on your Account.\u003Cbr>Authorized User – Any person you allow to use your Account with a Card we provided with that person’s name.\u003Cbr>Balance Tra","cbCaii3xoQ3cBtjT","https://ap.wps.com/l/cbCaii3xoQ3cBtjT","pdf",279504,"English","# Card Agreement Overview\n## Section 1-14: Key Topics\n## Definitions\n## Your Account Responsibilities\n## Annual Percentage Rates, Interest Charges, Fees\n## Payments, Authorized Users, Default and Account Status","[{\"question\":\"What is the purpose of the Card Agreement Guide?\",\"answer\":\"It helps identify major sections of the Card Agreement and provides a brief overview of what each section covers. It is not a complete summary, and the full Card Agreement should be read, including the arbitration provision.\"},{\"question\":\"Which sections explain APR, interest charges, and fees?\",\"answer\":\"Section 3 covers annual percentage rates and interest charges, and Section 4 covers fees and foreign currency conversion, including late fees and returned payment fees.\"},{\"question\":\"How are payments and monthly Minimum Payment Due handled?\",\"answer\":\"Section 5 describes how the monthly Minimum Payment Due is calculated, how payments are applied to balances, and instructions for making payments along with possible consequences of not following them.\"}]","Card Agreement Guide - Agreement Sections Overview | PDF",1789828519]