Care Credit Terms And Agreement

These Terms apply exclusively to your access to and use of the Site and do not modify any other agreements you have with the issuer, including the credit card agreement for a card. If you`re like the majority of Americans, you have a credit card1 and they use it to shop online, book travel arrangements, eat abroad, or just take care of food and gas.2 Credit cards can help you manage expenses and make the purchases you want and need. But each card comes with an agreement between you and your credit card company, and you should understand the terms so that you know what fees or interest may be charged for your purchase. This agreement represents the entire agreement between the issuer and you regarding the terms of use of the Website. Any remedy you have relating to your use of the Site must be available within one (1) year from the creation of the claim or remedy. If, for any reason, a court of competent jurisdiction finds any provision of this Agreement or any part of this Agreement to be invalid or unenforceable, that provision shall be applied to the maximum extent permitted to prejudice the intent of this Agreement, and the remainder of this Agreement shall remain in full force and effect. Some credit cards offer an „annual effective introductory rate,“ which is a lower interest rate, offered for at least the first six months after the account close date. If a card has an introductory rate, it can be replaced by a higher rate after the introduction phase. If you don`t pay at least the monthly minimum, your credit card company may charge you a late fee. Fees range from $15 to $39, depending on your card issuer`s policy and payment history for the past few months.5 At least the minimum monthly needed each month is a smart way to avoid additional credit card fees. It is the cost of borrowing. The effective annual interest rate or APR reflects not only the amount of interest you pay on your purchases, but also other fees you can pay. It is presented as an annual amount (the „annual“ in „annual percentage“) but it is calculated on a daily or monthly basis.

For example, with an annual monthly effective rate of 26.99%, 2.25% interest would be calculated each month – or $22.50 in a month with a credit of $1,000. Sometimes the annual effective annual rate is a variable rate, meaning it changes with an index interest rate like the one published in the Wall Street Journal, and sometimes it`s a fixed rate that doesn`t vary with changes in an index. Whether the interest rate is variable or fixed, all effective annual rates can be adjusted by the credit card issuer and the cardholder`s agreement will indicate how the annual percentage rate of charge may change over time. However, a card issuer may not change the annual effective rate of an existing credit unless it follows the formula of a variable annual rate of effectiveness indicated in its conditions. By using the Website or uploading materials from the Website, you agree to abide by the terms set forth in this Statement and any other policies described on the Website. If you do not agree to abide by these Terms and Conditions or future terms, please do not use the Website or download any material from the Website. This website for online credit services (the „Website“) is provided by Synchrony Bank (the „Issuer“), the retailer or reseller brand credit card issuer (including all Visa, MasterCard, American Express or Discover cards from retailers or resellers) (one „Card“ each) that may be connected to this Site. . .