When Will Apple Card Be Released
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
Consumer Credit Card Agreement and Disclosure
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE MASTERCARD This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and “Credit Union” refers to Pen Air Federal Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Mastercard® credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card. SECURITY INTEREST You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase. If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount. You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. -
Credit Card Disclosure (PDF)
OPEN-END CONSUMER CREDIT AGREEMENTS AND TRUTH IN LENDING DISCLOSURES Effective July 1, 2016 FEDERALLY INSURED BY NCUA PATELCO CREDIT UNION in agreements governing specific services you have and your general OPEN-END CONSUMER CREDIT AGREEMENTS AND membership agreements with Patelco, and you must have a satisfactory TRUTH IN LENDING DISCLOSURES loan, account and membership history with Patelco. MASTERCARD® CREDIT CARDS 2. On joint accounts, each borrower can borrow up to the full amount of SECURED MASTERCARD CREDIT CARD the credit limit without the other’s consent. PERSONAL LINE OF CREDIT 3. Advances Effective: JULY 1, 2016 a. Credit Card Advances: Credit Cards will be issued as instructed on This booklet contains agreements and Truth in Lending Disclosures your application. To make a purchase or get a cash advance, you that govern your use of the following Patelco Credit Union open-end can present the Card to a participating MasterCard plan merchant, consumer credit programs: to the Credit Union, or to another financial institution, and sign Pure MasterCard Payback Rewards World MasterCard the sales or cash advance draft imprinted with your Card number. Keep sales and cash advance drafts to reconcile your monthly Pure Secured MasterCard Passage Rewards World Elite MasterCard statements. You can also make purchases by giving your Card Points Rewards World MasterCard Personal Line of Credit number to a merchant by telephone, over the internet, or by other means, in which case your only record of the transaction may In addition to this booklet, -
Legal-Process Guidelines for Law Enforcement
Legal Process Guidelines Government & Law Enforcement within the United States These guidelines are provided for use by government and law enforcement agencies within the United States when seeking information from Apple Inc. (“Apple”) about customers of Apple’s devices, products and services. Apple will update these Guidelines as necessary. All other requests for information regarding Apple customers, including customer questions about information disclosure, should be directed to https://www.apple.com/privacy/contact/. These Guidelines do not apply to requests made by government and law enforcement agencies outside the United States to Apple’s relevant local entities. For government and law enforcement information requests, Apple complies with the laws pertaining to global entities that control our data and we provide details as legally required. For all requests from government and law enforcement agencies within the United States for content, with the exception of emergency circumstances (defined in the Electronic Communications Privacy Act 1986, as amended), Apple will only provide content in response to a search issued upon a showing of probable cause, or customer consent. All requests from government and law enforcement agencies outside of the United States for content, with the exception of emergency circumstances (defined below in Emergency Requests), must comply with applicable laws, including the United States Electronic Communications Privacy Act (ECPA). A request under a Mutual Legal Assistance Treaty or the Clarifying Lawful Overseas Use of Data Act (“CLOUD Act”) is in compliance with ECPA. Apple will provide customer content, as it exists in the customer’s account, only in response to such legally valid process. -
How to Find the Best Credit Card for You
How to find the best credit card for you Why should you shop around? Comparing offers before applying for a credit card helps you find the right card for your needs, and helps make sure you’re not paying higher fees or interest rates than you have to. Consider two credit cards: One carries an 18 percent interest rate, the other 15 percent. If you owed $3,000 on each and could only afford to pay $100 per month, it would cost more and take longer 1. Decide how you plan to pay off the higher-rate card. to use the card The table below shows examples of what it might You may plan to pay off your take to pay off a $3,000 credit card balance, paying balance every month to avoid $100 per month, at two different interest rates. interest charges. But the reality is, many credit card holders don’t. If you already have a credit card, let APR Interest Months history be your guide. If you have carried balances in the past, or think 18% = $1,015 41 you are likely to do so, consider 15% = $783 38 credit cards that have the lowest interest rates. These cards typically do not offer rewards and do not The higher-rate card would cost you an extra charge an annual fee. $232. If you pay only the minimum payment every month, it would cost you even more. If you have consistently paid off your balance every month, then you So, not shopping around could be more expensive may want to focus more on fees and than you think. -
A Day in the Life of Your Data
A Day in the Life of Your Data A Father-Daughter Day at the Playground April, 2021 “I believe people are smart and some people want to share more data than other people do. Ask them. Ask them every time. Make them tell you to stop asking them if they get tired of your asking them. Let them know precisely what you’re going to do with their data.” Steve Jobs All Things Digital Conference, 2010 Over the past decade, a large and opaque industry has been amassing increasing amounts of personal data.1,2 A complex ecosystem of websites, apps, social media companies, data brokers, and ad tech firms track users online and offline, harvesting their personal data. This data is pieced together, shared, aggregated, and used in real-time auctions, fueling a $227 billion-a-year industry.1 This occurs every day, as people go about their daily lives, often without their knowledge or permission.3,4 Let’s take a look at what this industry is able to learn about a father and daughter during an otherwise pleasant day at the park. Did you know? Trackers are embedded in Trackers are often embedded Data brokers collect and sell, apps you use every day: the in third-party code that helps license, or otherwise disclose average app has 6 trackers.3 developers build their apps. to third parties the personal The majority of popular Android By including trackers, developers information of particular individ- and iOS apps have embedded also allow third parties to collect uals with whom they do not have trackers.5,6,7 and link data you have shared a direct relationship.3 with them across different apps and with other data that has been collected about you. -
New Credit Card Rules
WHAT YOU NEED TO KNOW: New Credit Card Rules The Federal Reserve’s new rules for credit card companies mean new credit card protections for you. Here are some key changes you should expect from your credit card company beginning on February 22, 2010. What your credit card company has to tell you When they plan to increase your rate or other fees. Your credit card company must send you a notice 45 days before they can increase your interest rate; change certain fees (such as annual fees, cash advance fees, and late fees) that ap- ply to your account; or make other signifi cant changes to the terms of your card. If your credit card company is going to make changes to the terms of your card, it must give you the option to cancel the card before certain fee increases take effect. If you take that option, however, your credit card company may close your account and increase your monthly payment, subject to certain limitations. For example, they can require you to pay the balance off in fi ve years, or they can double the percentage of your balance used to calculate your minimum payment (which will result in faster repayment than under the terms of your account). The company does not have to send you a 45-day advance notice if you have a variable interest rate tied to an index; if the index goes up, the company does not have to provide notice before your rate goes up; your introductory rate expires and reverts to the previously disclosed “go-to” rate; your rate increases because you are in a workout agreement and you haven’t made your payments as agreed. -
American Express® Credit Card Cardmember Agreement
AMERICAN EXPRESS® CREDIT CARD CARDMEMBER AGREEMENT IMPORTANT: Before you use the enclosed American Express Credit Card, please read these Terms and Conditions carefully and thoroughly. If you keep or use the American Express Credit Card, you will be deemed to have unconditionally agreed to these Terms and Conditions and they will govern your use of the American Express Credit Card. If you do not wish to accept these Terms and Conditions, please cut the American Express Credit Card in half and return the pieces to us immediately to the address mentioned on the last page of this document. 1. DEFINITIONS: In these Terms and Conditions, the following words shall have the respective meanings set out hereunder unless the context otherwise requires: “Account” means any American Express Credit Card Account maintained by us under these Terms and Conditions. “Available Credit Limit” means the credit limit allocated by American Express to Cardmember’s Account inclusive of all Supplementary Cards less previous balances less all new Charges. “Basic Credit Cardmember” means the individual in whose name the Account is maintained. “Cash Advances” means any cash advance obtained by use of a Credit Card, PIN or otherwise authorised by you for debit to the Account. “Charge” means a transaction made or Charged with the Credit Card, whether or not a Record of Charge form is signed, and also includes Cash Advances, Express Cash transactions, drafts made from the Account, Balance Transfers and fees thereon, interest, taxes as may be applicable and all other amounts you have agreed to pay us or have agreed to be liable for under these Terms and Conditions. -
Consumer's Edge
Consumer’s Edge Consumer Protection Division, Maryland Office of the Attorney General Brian E. Frosh, Maryland Attorney General Credit Card Offers: What’s the Catch? The offers fill your mailbox: pre-approved credit cards, low Since June of 2010, the Federal Reserve has stipulated that interest rates, 0% interest balance transfer offers, frequent credit card companies must limit most of their penalties to flier miles or rebates, and more. They sound good, but many $25, unless a consumer has a consistent history of violations. consumers apply for new credit cards only to find that the In addition, credit card companies cannot charge consumers low interest rate doesn’t last or that the card comes with multiple fees for violating the same late payment, and penalty unexpected fees. To protect yourself: Read the details of the fees cannot exceed the owed dollar amount. For example, if a credit card offer before you apply for the card, and make sure bill is $10, the penalty fee cannot exceed $10. you fully understand the terms being offered. Balance transfer fee. Some cards, even if they offer 0% in- Although the rules require the card companies to make terest on balance transfers, charge a fee to transfer the balance disclosures more easily understood, the details may still be from one credit card to another. For example, a 4% balance in the small print. You might be surprised at what you find. transfer fee on a $2,000 balance transfer would cost you $80. Below are some things to consider when reviewing a credit And be careful to make certain that the balance transfer plus card offer: any balance transfer fee does not cause you to exceed your Interest rates. -
Consumer Credit Card Agreement and Disclosure
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE VISA BASIC/VISA REWARDS AND THE AGGIE CARD/SIMPLY PLATINUM/SIMPLY PLATINUM REBATE/VISA SIGNATURE This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and “Credit Union” refers to Goldenwest Federal Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card. SECURITY INTEREST You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase. If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount. You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. -
10.2" Tablet 32GB Space Gray Specs
iPad Available starting 9.30 Overview Why iPad Tech Specs Order Finish Silver Space Gray Gold Capacity1 32GB 128GB Size and Weight2 6.8 inches (174.1 mm) 9.8 inches (250.6 mm) 0.29 inch (7.5 mm) Wi-Fi models Wi-Fi + Cellular models 1.07 pounds (483 grams) 1.09 pounds (493 grams) Buttons and Smart Connector Connectors 3.5 mm headphone jack Stereo speakers Home/Touch ID sensor On/Off Sleep/Wake Lightning connector Nano-SIM tray Volume Dual (cellular models) up/down microphones In the Box iPad Lightning to USB Cable USB Power Adapter Display 10.2″ Retina display Retina display 10.2-inch (diagonal) LED-backlit Multi-Touch display with IPS technology 2160-by-1620-pixel resolution at 264 pixels per inch (ppi) 500 nits brightness Fingerprint-resistant oleophobic coating Supports Apple Pencil (1st generation) Chip A10 Fusion chip with 64-bit architecture Embedded M10 coprocessor Camera 8-megapixel camera ƒ/2.4 aperture Five-element lens Hybrid IR filter Backside illumination Live Photos Autofocus Panorama (up to 43 megapixels) HDR for photos Exposure control Burst mode Tap to focus Timer mode Auto image stabilization Body and face detection Photo geotagging Video Recording 1080p HD video recording at 30 fps Slo-mo video support for 720p at 120 fps Time-lapse video with stabilization Video image stabilization Body and face detection 3x video zoom Video geotagging FaceTime HD 1.2-megapixel photos Camera ƒ/2.2 aperture Retina Flash Backside illumination Live Photos 720p HD video recording HDR for photos and videos Body and face detection Burst mode -
Bankcard Agreement for United Cardholders G17222 1
BANKCARD AGREEMENT FOR UNITED CARDHOLDERS G17222 1. DEFINITIONS – In this Agreement, the word “Card” means a single Card or two or more Cards we have issued applicable local, state or federal law. You agree to indemnify and save the Bank harmless from any liability the Bank may pursuant to this Agreement. The words “you” and “yours” mean each applicant or person to whom we have issued a incur or damage it may suffer by reason of use of the Card for any such improper purpose. Card. The words “us,” “our,” “we” and the “Bank” mean United Bank. The word “Account” means the MasterCard 14. CURRENCY CONVERSION – The exchange rate between the transaction currency and the billing currency used for or VISA Account for which you were issued a Card or Cards and Checks imprinted with your name and Account number. processing international transactions is a rate selected by Visa and MasterCard from a range of rates available in wholesale “Authorized User” means any person whom you have given permission to use your Account. If your spouse, or anyone currency markets for the applicable central processing date, which may vary from the rate that Visa and MasterCard itself else, desires the same type of credit card to be issued in his or her name, he or she must sign a credit card application receives or the government-mandated rate in effect for the applicable central processing date, plus 2 percent. requesting the same. “Checks” mean the checks provided to you with your Account, should your Account type provide 15. USE OF ACCOUNT FOR QUASI-CASH TRANSACTIONS – The Account may be utilized for payment of certain quasi-cash for Checks. -
ATM Access and Debit Disclosures
DUPONT COMMUNITY CREDIT UNION AUTOMATED TELLER MACHINE (ATM) ACCESS CARD AGREEMENT AND DISCLOSURE (REG E.) THIS IS AN AGREEMENT between you and DuPont Community Credit Union governing the use of the automatic teller machines. When you have authorized us in writing to validate your Debit card, you have agreed to all of the terms and conditions of this agreement. USE OF YOUR DEBIT CARD You are the only person allowed to use your ATM card. You agree not to permit anyone else to use your card. If you do, we may terminate this agreement. Other persons with whom you hold joint accounts may use their cards for ATM transactions. TRANSACTIONS To use the automated teller machine, you must have a Debit card and personal identification number (PIN) validated by us. You may use your Debit card only with accounts at the credit union specially authorized for ATM use. You may use the Debit card and personal identification number on the following transactions on the automatic teller machine: 1. To withdraw cash from your authorized savings, checking, club or line of credit account. Withdrawals could be limited to $300 total from all of your accounts per day. A cash advance may not be honored if it would exceed your available credit limit. You have the right to lower the $300 maximum limit by notifying us in writing. 2. You may make deposits to your authorized savings, checking, club or loan accounts. 3. You may check account balances of your authorized savings, checking, club or line of credit accounts. The balance the ATM reports may not include deposits or withdrawals which we have not yet posted.