• We do not receive a required minimum payment by 5 p.m., Eastern Time, on the Payment Due Date, accompanied
by your Statement payment stub (if mailed), or we do not receive any other payment required by this Agreement
when such payment is due.
• You exceed the credit limit.
• You die or are declared legally incompetent or incapable of managing your affairs, become insolvent, file for
bankruptcy, or otherwise become the subject of a bankruptcy petition or filing.
• You give us false or misleading information at any time in connection with your Account.
• You send us a check or similar instrument that is returned to us unpaid, or any automatic, electronic or other payment
on your Account cannot be processed or is returned unpaid, for any reason, within the last six (6) billing cycles.
• You breach or otherwise fail to comply with any term or condition of this Agreement.
• We have reason to suspect that you or any Authorized User may have engaged or participated in any unusual,
suspicious, fraudulent, or illegal activity on your Account.
• You do not give us any updated information about your finances, employment, or any other information we may
reasonably request, promptly after the request.
Upon default: (a) we will not be obligated to honor any attempted use of your Account (even if we do not give you advance
notice); (b) we may require you to pay at once all or any portion of the balance outstanding under the Account; and (c) we
may exercise any right provided by this Agreement or applicable law.
19. Your Liability for Unauthorized Use: If your Card is lost or stolen or if you believe someone may have used your Account
without your permission, you must notify us at once. You may be liable for the unauthorized use of your Account. You will not
be liable for unauthorized use that occurs after you notify us by writing to P.O. Box 100114, Columbia, South Carolina 29202-
3114 or by calling Customer Service at 1-800-434-0050, of the loss or theft of the Card or the possible unauthorized use of
the Account. Your maximum liability is $50. Subject to any restrictions of applicable law, we may terminate or limit access to
your Account if you have notified us or we have determined that your Card may have been lost or stolen, or that there may
be unauthorized access to your Account.
20. Closing Your Account:
a. We May Close your Account at Any Time: We may without prior notice suspend or close your Account to new
transactions at any time, for any reason, including but not limited to a change to your creditworthiness or Account inactivity.
If we suspend or close your Account to new transactions, you still must pay us all amounts you owe under this Agreement
(including any future interest charges or fees), and you agree that we are not liable to you for any consequences resulting
from closing your Account. If you are in default, we may close your Account and require you to pay us the entire amount
owed under this Agreement in full, immediately. We may also increase the dollar amount of your minimum payment, subject
to applicable law. If we close your Account to new transactions, you must immediately destroy all Cards and other Account
access devices (cut, tear, or otherwise deliberately damaged the devices to prevent unauthorized use by third parties).
b. You May Ask Us to Close Your Account: You may ask us to close your Account to new transactions at any time, by
notifying Customer Service at P.O. Box 100114, Columbia, South Carolina 29202-3114, and returning all Cards and other
Account access devices to us (cut, torn, or otherwise deliberately damaged to prevent unauthorized use by third parties)
with your written notice or, by calling Customer Service at the number on the back of your Card. If you request to close your
Account by phone, we reserve the right to require written notice from you. You also agree to stop using the Account
immediately after you notify us that you want to close your Account.
21. The Address on Your Account and Our Notices to You: If required by applicable law, we will send Statements and
Account notices to your physical address on our records. If you have elected to receive electronic Statements and Account
notices, we will send a notification email to the email address we have in our records when such documents are ready. You
will promptly inform us of any change in your email address or your mailing address. You may change your address by
writing to us at Customer Service, P.O. Box 100114, Columbia, South Carolina 29202-3114 or by calling us at the number
on the back of your Card. We may in our discretion accept changes to your mailing address from the U.S. Postal Service.
If this is a joint Account, we may send billing statements and notices to either of you.
22. Our Rights Continue: Any failure or delay in exercising any of our rights under the Agreement will not preclude us from
later exercising those rights.
23. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time or from time to time.
For example, we may change fees, add new fees, change the interest rates or rate formulas that apply to your Account,
increase your minimum payment due or add, delete or modify non-economic terms. We will notify you of changes to this
Agreement if required by applicable law. Any change, including any increase or decrease in the APRs on your Account, will
become effective at the time stated in our notice and will apply to those balances, including new transactions, on your
Account as described in our notice.
24. Your Credit Performance: Your Account was established based upon criteria reflecting your particular credit history.
From time to time we review your credit performance. If your credit performance changes, we may change some or all of
your Account terms. We will notify you of such changes in accordance with applicable law.
25. Your Credit Information and Your Credit Report: You authorize us to obtain reports from consumer reporting agencies
in connection with this Agreement and from time to time in connection with the review of your Account, or any update,
extension or renewals of your Account, and for the purpose of collecting your Account. You authorize us to verify with others
any information and to provide information about our transactions with you to third parties (including consumer reporting
agencies, merchants and other lenders) for lawful purposes. YOU UNDERSTAND WE MAY REPORT INFORMATION
ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. SUBJECT TO APPLICABLE LAW, LATE PAYMENTS, MISSED
PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
26. How to Dispute Credit Reports Regarding Your Account: If you think the information we furnished to consumer
reporting agencies on the Account is not accurate, you should write us at P.O. Box 100114, Columbia, South Carolina 29202-
3114 Attn: Credit Report Dispute. You may experience a delay if you do not write to this address. In order for us to investigate