DECAF CREDIT CARD ACCOUNT OPENING DISCLOSURES – SET CREDIT LIMIT
| INTEREST RATE AND INTEREST CHARGES | ||
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | 0.00% | |
| APR for Balance Transfers | N/A | |
| APR for Cash Advances | N/A | |
| Paying Interest | You will not be charged interest on purchases. Your due date for payment of amounts owed on your Card is 21 days after the close of each billing cycle. | |
| Minimum Interest Charge | There is no interest chargeable to this Credit Card. | |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: | |
| **http://www.consumerfinance.gov/learnmore** | ||
| FEES | ||
| Annual Fees | None | |
| Transaction Fees | ||
| • Balance Transfer | ||
| • Cash Advance | ||
| • International Transaction | N/A | |
| None | ||
| 1% of each transaction in U.S. dollars. | ||
| Penalty Fees | ||
| • Late Payment | ||
| • Over the Credit Line | ||
| • Returned Payment | 2% of the current outstanding card balance | |
| None | ||
| None |
How We Will Calculate Your Balance: We use a method called "average daily balance". See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.
Loss of Introductory APR: There is no interest chargeable to this Credit Card.
How We Will Calculate Your Variable APRs: There is no interest chargeable to this Credit Card.
Prime Rate: There is no interest chargeable to this Credit Card.
Military Lending Act Disclosure: The following disclosure applies to persons covered by the Military Lending Act – other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. The following disclosure is required by the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Decaf CARDHOLDER AGREEMENT – SET LINE OF CREDIT
Last Updated: August 6th 2025
Arbitration Clause; Notices: PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN THE SECTION TITLED DISPUTE RESOLUTION AND ARBITRATION. BY USING THE Decaf CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.
This Decaf Cardholder Agreement (“Agreement”) is a binding agreement between you (“you”) and Issuer including its affiliates, successors, and assigns (“Issuer,” “we”, “us,” or “Our”) that govern your use of the card account (“Account”) provide by Decaf. The Decaf Card is provided to you on behalf of Decaf in connection with your status as Decaf customer and pursuant to your separate User Agreement between you and Decaf (the “User Terms”). The Issuer is not a party to the Decaf User Terms and disclaims any liability for the performance of services covered therein.
We reserve the right to amend this Agreement or impose additional obligations or restrictions on you at any time with or without notice to you, except where required by applicable law. By continuing to use the Cards, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when this Agreement was last updated.
Additional Definitions
The term “Card” means any card we issue associated with your Account, including renewal and substitute cards. The term “Card” also means any other access device that allows you to obtain Account credit from us, including your Account number. Other capitalized terms that are not defined here are generally defined the first time we use those terms. The term “Issuer” refers to Third National. The term “Supported Blockchain” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks which may be added at our sole discretion.
Overview of Account Agreement
Our Account agreement with you (the “Agreement”) is contained in and governed by: