The credit card agreement lists credit card price information that tells you when and how you will be charged interest and fees on your credit card. You must at least list your credit card agreement: a cardholder agreement is a legal document that describes the conditions under which a credit card is offered to a customer. The cardholder`s agreement sets, among other things, the annual percentage rate of charge (APR) of the card as well as the calculation of the minimum payments of the card. A consumer who has entered into a pre-authorized payment agreement with a merchant under which payments are made from credit obtained under a credit card agreement may at any time terminate the contract by sending a notification to the merchant. A credit card is more than just a piece of plastic that allows you to spend money. This is a way to access the credit limit agreed by the card issuer so that you can borrow against which you can borrow. Your credit account contains certain provisions that you must comply with if you want to continue using your credit card and prevent your credit from being compromised. The rules of your credit card are described in your credit card agreement, a kind of contract that describes the terms, prices and penalties of the credit card. For the purposes of this arbitration agreement, the terms “you” and “your” include any authorized user, co-signer, co-contractor or guarantor, as well as your bankrupt heirs, guardians, personal representatives or trustees. The terms “we”, “us” and “we” refer to either the bank and include employees, senior officers, directors, members, officers, lawyers, related companies, predecessors and representatives of the bank, as well as marketing, service and collection representatives and representatives of one or both. “I don`t see a loophole for any cardholder in this most explicit language of the agreement, even if the spending was set up by fraudulent activities or the scheme of one of the cardholders. While (the father) insisted that the credit limit for the card should be an external limit to (the father`s) liability as the primary cardholder, the language of the agreement as a whole states that all cardholders must be jointly and severally liable for all expenses and not just those that fall under the credit limit. “Definitions: Here are definitions of some of the words used in this agreement Even though credit card agreements can be long and complex, you need to know what you agree with when using your credit card….