Your Choice
Regarding Over-the-Credit Limit Coverage Unless you tell us otherwise, we will decline any transaction that
causes you to go over your credit limit. If you want us to authorize
these transactions, you can request over-the-credit limit coverage.
If you have over-the-credit limit coverage and you go
over your credit limit, we will charge you a fee of up to $35. We
may also increase your APRs to the Penalty APR of XX.XX%. You will
only pay one fee per billing cycle, even if you go over your limit
multiple times in the same cycle.
Even if you request over-the-credit limit coverage, in
some cases we may still decline a transaction that would cause you
to go over your limit, such as if you are past due or significantly
over your credit limit.
If you want over-the-limit coverage and to allow us to
authorize transactions that go over your credit limit, please:
- Call us at [telephone number];
- Visit [Web site]; or
- Check or initial the box below, and return the form
to us at [address].
I want over-the-limit coverage. I understand
that if I go over my credit limit, my APRs may be increased and I
will be charged a fee of up to $35. [I have the right to cancel this coverage
at any time.] [
I do
not want over-the-limit coverage. I understand that transactions
that exceed my credit limit will not be authorized.] Printed Name:
Date:
[Account Number]:
