supplementary application form supplementary ... - American Express

AMERICAN EXPRESS INTERNATIONAL CURRENCY CARDS
AMERICAN EXPRESS® INTERNATIONAL CURRENCY CARDS PRE-CONTRACTUAL DISCLOSURE OF TERMS AND CONDITIONS – US DOLLAR, EURO AND STERLING
IMPORTANT - YOUR PERSONAL INFORMATION
Before signing this Application, it is important that you and any Supplementary Applicant read this paragraph
and the section entitled “Privacy” below, which together describe how we collect and use information about
you and any Supplementary Applicant for the purpose of processing your application and providing you and
any Supplementary Applicant with the Card service and other appropriate products and services. By signing
this Application, you and any Supplementary Applicant agree that for the purpose of processing it, American
Express may:
a carry out credit checks with credit reference agencies by disclosing the information provided by you to
such agencies, who will retain records of such checks that may be used by other organisations in assessing
applications from you and members of your household for credit or other facilities and for preventing fraud
and tracing debtors;
b check your details with fraud prevention agencies and if you give us false or inaccurate information and
we suspect fraud, this will be recorded, which records may be used by us and other organisations to help
make decisions about credit and credit-related services for you and members of your household, help make
decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and
members of your household, trace debtors, recover debt, prevent fraud and manage your Accounts or
insurance policies;
c check your identity to prevent money laundering;
d use various statistical methods (including the results of any credit checks made) to assist in evaluating your
creditworthiness in deciding whether to issue a Card to you; and
e contact your employer, bank, building society or any referee approved by you to obtain relevant information to assess
this Application.
1. Introduction
This document and the application form you have completed makes up the entire agreement for your
account with us (called the agreement). It replaces any previous terms provided to you for your account.
Your use of your account and your card is governed by this agreement. Please read this agreement
thoroughly and keep it for your reference. You can request a further copy of this agreement free of
charge at any time during the term of this agreement. This agreement and all communications between
us concerning this agreement shall be in English.
Your card allows access to your account and any card benefits provided in connection with a card.
However your card is separate from your account. You may choose to apply for a card with certain card
benefits (called a premium card). A card without benefits is also available (called a basic card) and you
may opt for that card. Please see the “Card Benefits and Additional Services” section of this agreement.
Account means the American Express® Charge Card deferred payment account we establish for you under
this agreement for the purpose of enabling deferred payment for goods and services utilising the card;
Card means the American Express Charge Card we issue for the purpose of accessing your account,
including any supplementary card(s);
Card benefits means additional services and benefits in connection with a premium card, including the
relevant premium card design (for example, the American Express Gold Card design);
Cardmember means the person in whose name a card is issued including a supplementary cardmember;
Charge(s) means all transactions made using a card or otherwise charged to your account, and includes
purchases, fees, commissions, interest, taxes and all other amounts you have agreed to pay us or are
liable for under this agreement;
We, us and our means American Express Services Europe Limited (Registered Address at Companies
House: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered Number at
Companies House: 1833139) and any holding, subsidiary or affiliated companies and licensees taking
part in the American Express card service;
You and your means the person who applied for this account;
By using your account (or by signing and keeping the card), you and any supplementary cardmembers
agree to the terms of this agreement. It is your responsibility and you agree to ensure that any
supplementary cardmembers are aware of these terms. Please see the “Supplementary Cardmembers”
section of this agreement for additional details.
This agreement contains a limitation of liability clause which limits our responsibility and liability.
Please refer to the “Limitation of Our Liability” section of this agreement for additional details.
This agreement shall be open ended. You can cancel this agreement in 14 calendar days beginning on
the day after this agreement is concluded and at any time thereafter. Please either destroy or return to
us all cards and write to us at Department 45, American Express Services Europe Limited, Brighton, BN88
1TH, confirming that you want to cancel the account. If you cancel within 14 calendar days beginning
on the day after this agreement is concluded, you will, except for the cardmembership fee, be liable for
any applicable charges incurred.
2. USE OF THE ACCOUNT, CARD AND CODES
2.1 You consent to charges being applied to your account:
2.1.1 when you present your card to a merchant that accepts the card as payment (called merchant) and you
either enter your personal identification number (PIN) or sign a paper slip issued by the merchant;
2.1.2 when you provide your card number and related card or account details by following the
merchant’s instructions for processing your payment in the case of online, telephone, mail order
purchases, recurring charges or through any other devices such as telephone boxes and parking
permit dispensers
2.1.3 when you enter your PIN in the case of automated teller machines (ATMs);
2.1.4 when you conclude an agreement with a merchant and you consent to the merchant charging
your account for an amount that is specified in such agreement;
2.1.5 when you verbally consent, or confirm your agreement to all or part of a charge after a charge has
been submitted.
2.2 You agree that you cannot cancel charges once you have consented to charges being applied to your account.
2.3 To prevent misuse of your account, you must ensure that you:
2.3.1 sign the card in ink as soon as received;
2.3.2 keep the card secure at all times;
2.3.3 regularly check that you still have the card in your possession;
2.3.4 do not let anyone else use the card;
2.3.5 ensure that you retrieve the card after making a charge; and
2.3.6 never give out your card details, except when using the card in accordance with this agreement.
2.4 To protect your PIN, telephone codes, on-line passwords and any other codes used on your account
(called codes), you must ensure that you:
2.4.1 memorise the code;
2.4.2 destroy our communication informing you of the code (if applicable);
2.4.3 do not write the code on the card;
2.4.4 do not keep a record of the code with or near the card or account details;
2.4.5 do not tell the code to anyone or otherwise allow access to it;
2.4.6 if you select a code, do not choose a code that can easily be associated with you such as your
name, date of birth or telephone number; and
2.4.7 take care to prevent anyone else seeing the code when entering it into ATM or other electronic device
3. PERMITTED USES
3.1 You may use your account, subject to any restrictions set out in this agreement, to pay for goods and
services from merchants who accept the card. Here are some examples:
3.1.1 using your card to pay for goods and services by presenting the card to a merchant and complying
with their request to sign or enter a PIN; and
3.1.2 using your card or the account to pay for goods and services ordered from a merchant by
telephone, internet or mail.
3.2 If permitted by the merchant, you may return to the merchant goods or services obtained using your
account and receive a credit to your account.
3.3 If you use the card to buy insurance, you must consent to us paying the premiums for you. We will apply
these charges to your account. You must tell us and the insurer in writing if you want to cancel your
policy or do not renew the policy in accordance with the “Recurring Charges” section of this agreement.
3.4 If you are due a refund of any insurance premium charged to your account, after you have notified
the merchant and us in accordance with the “Recurring Charges” section of this agreement, this will
be handled by us in accordance with the “Lost/Stolen Cards, Incorrectly Executed Transactions And
Misuse Of Your Account” section of this agreement.
4. PROHIBITED USES
4.1 You must not:
4.1.1 give your card or account number to others or allow them to use your card or account for charges,
identification or any other purpose other than as permitted to give your consent to a transaction in
accordance with the “Use of the Account Card and Code” section of this agreement;
4.1.2 return goods or services obtained using your account for a cash refund;
4.1.3 use your account or card to purchase anything for the purpose of resale;
4.1.4 use your account or card to obtain cash unless we have agreed with you separately to permit
cash advances;
4.1.5 obtain a credit to your account except by way of a refund for goods or services previously
purchased on your account;
4.1.6 use your account or card if you are bankrupt or insolvent or if you do not honestly expect to be
able to pay your balance on your next statement;
4.1.7 use your card if it is found after having been reported to us as lost or stolen;
4.1.8 transfer balances from another account with us to pay your account;
4.1.9 use your account or card if your card has been suspended or cancelled or after the valid date
shown on the front of the card;
4.1.10 use your account or card for an unlawful purpose, including the purchase of goods or services
prohibited by the laws of United Kingdom or any other country where the card is used or where
the goods or services are provided; or
4.1.11 use your account or card to purchase anything from a merchant that you or any supplementary
cardmember or any third party related to you have any ownership interest in, excluding shares
quoted on a recognised stock exchange.
4.2 It is your responsibility to ensure that there is no prohibited use of your account by you and any
supplementary cardmembers. You will be responsible for any prohibited use of your account even if we
did not prevent or stop the prohibited use.
5. STATEMENTS
5.1 We will send or make available to you statements of account (called statements) periodically and at
least once a month if there has been any account activity. In any event we will send or make available
to you a statement at least once every 12 months. Each statement will show important information
about your account, such as the outstanding balance on the last day of the statement period (called the
closing balance), the payment due, the payment due date, the currency conversion rate and applicable
fees and will include charges made by you and any supplementary cardmembers. We reserve the right to
make some account data available to you on request once a month, and in such case, we will notify you
in your statement.
5.2 Always check each statement for accuracy promptly upon receipt and contact us as soon as possible if
you need more information about a charge on any statement. If you have a question about or a concern
with your statement or any charge on it, inform us immediately. We will expect this to be within 1
month of receipt of your statement and if you do not query a charge that you believe is unauthorised or
inaccurate within this period, or up to 13 months in exceptional circumstances, you will be liable for the
unauthorised charge. If we request, you agree to promptly provide us with written confirmation of your
question or concern and any information we may require that relates to your question or concern.
5.3 If you are enrolled for online statements you agree that we may stop sending paper statements. You
agree that any specific terms about online statements that we provide to you will apply and form part
of this agreement.
5.4 You agree we may send you notices, including notices of variation of this agreement with your statement
(whether online or paper copy).
6. FEES
6.1 The types of fees and commissions that apply in relation to your account are set out in the box below. You
agree to pay these fees and commissions and you consent to us applying them to your account when due.
TYPE OF FEE TYPE OF CARD APPLICABLE FEE
Cardmembership fee (annual maximum fee)
Your account will be charged a
cardmembership fee depending on the
type of card issued to you.
There is no cardmembership fee for a basic
card. The cardmembership fee may be
payable either on an annual or monthly
basis (dependent on the type of card you
have been issued with) beginning on the
first statement date after the account is
established. An account year starts on the
date after the account is established and
ends on the day before the anniversary of
the establishment of the account (called
cardmembership anniversary date).
Supplementary cardmembership
fee (annual maximum fee) for each
supplementary card we issue at your
request beyond those offered free
of additional charge as part of your
cardmembership fee.
A supplementary cardmembership fee
may be payable either on an annual or
monthly basis (dependent on the type
of card you have been issued with) at
the beginning of each membership year
for each supplementary card we issue at
your request.
Late payment fee
A late payment fee is payable in the event
that you delay or omit the payment
of any charges due in respect of your
account. We will apply the late payment
fee in each of the following cases:
• you still owe us payment after 30 days
from the statement date;
• you still owe us payment after 60 days
from the statement date; and
• each month thereafter until you pay
us in full all amounts outstanding on
your account.
Return payment fee
If you pay us with a cheque or direct
debit and your bank does not honour
the cheque or the direct debit, a
return payment fee will be payable to
cover costs charged to your account.
Statement copy fee
A statement copy fee is payable if you
request copies of statements, for each
copy provided, or if you have elected
electronic statements, you request any
paper statement copies.
Charge record copy fee
A charge record copy fee is payable if
you request copies of charge records, for
each copy provided
Foreign Exchange Mark-Up
This will apply if you choose to make
a charge in a currency other than the
currency of your card. Please see the
“Charges Made in Foreign Currencies”
section of this agreement.
American Express Charge Card –
Basic Card
American Express Charge Card –
Green Card
American Express Charge Card –
Gold Card
American Express Charge Card –
Platinum Card
American Express Charge Card –
Green Business Card
American Express Charge Card –
Gold Business Card
American Express Charge Card –
Centurion Card (application only
by invitation)
American Express Charge Card –
Green Card
American Express Charge Card –
Gold Card
American Express Charge Card –
Platinum Card
American Express Charge Card –
Green Business Card
American Express Charge Card –
Gold Business Card
American Express Charge Card –
Centurion Card (application only
by invitation)
All accounts regardless of
card type
All accounts regardless of
card type
All accounts regardless of
card type
All accounts regardless of
card type
All accounts regardless of
card type
All accounts regardless of
card type
All accounts regardless of
card type
US Dollar
Cards US$
Euro
Cards ¤
US$0 ¤0 £0
US$100 ¤100 £60
US$300 ¤300 £95
Sterling
Cards £
US$550 ¤550 £300
US$100 ¤100 £50
US$300 ¤300 £95
Price upon
application
Price upon
application
Price upon
application
US$50 ¤50 £17.50
US$100 ¤100 £35
US$275 ¤275 £170
US$50 ¤50 £35
US$100 ¤100 £35
Price upon
application
3% or US$25
(whichever is
higher)
1.5% or
US$15
(whichever is
higher)
1.5% or
US$15
(whichever is
higher)
Price upon
application
3% or ¤25
(whichever is
higher)
1.5% or ¤15
(whichever is
higher)
1.5% or ¤15
(whichever is
higher)
Price upon
application
£12
£12
£12
US$15 ¤15 £12
US$4 ¤3 £2
US$5 ¤5 £3
The currency
conversion
rate plus
3% or as
otherwise
disclosed
by us.
The currency
conversion
rate plus
2.7% or as
otherwise
disclosed
by us.
The
currency
conversion
rate plus
2.99% or
otherwise
disclosed
by us.