Although their details vary, most cardholder agreements are written in a simple format and tone. They deal with key issues such as the services available to the cardholder; The cardholder`s obligations to the issuing company; Interest rates, penalties and other charges that may be incurred in different circumstances; and methods of resolving disputes between the cardholder and the issuer if they occur. We include consumer credit card agreements in this database, as the respective issuers have submitted. The GFPB is not responsible for the content of the agreements, including any discrepancies between an agreement as presented in the database and the agreement, as proposed to the public, or omissions or other errors in the agreement, as presented by the issuer. In the past, some credit card companies have used vague or confusing language to hide the true costs and conditions of their credit cards. As a result, some courts have ruled in favour of consumers who have claimed that their credit card provider made false or misleading claims when they advertised their cards. Thanks to consumer protection legislation such as TILA, credit card customers now enjoy relatively high standards of disclosure and transparency. Nevertheless, reading the cardholder`s agreement remains an important practice. If none of these reasons are correct and you still can`t reach an agreement, call them to ask for a copy of your contract. Under federal law, your credit card issuer is required to provide a copy of your contract upon request. Tempted by these functions, Mia decides to consider accepting the new card. However, before that, it carefully verifies its consent to cardholders. In this document, it notes that many of the functions announced entail significant costs.