Visa Issuer Agreement

We include consumer credit card agreements in this database, as the respective issuers have submitted. The GFPB is not responsible for the content of the agreements, including any discrepancies between an agreement as presented in the database and the agreement, as proposed to the public, or omissions or other errors in the agreement, as presented by the issuer. Federal law requires all credit card issuers with more than 10,000 credit card accounts to list a copy of their credit card contracts online. Your credit card issuer must also provide you with a copy of the credit card contract for your account if you request it. If none of these reasons are correct and you still can`t reach an agreement, call them to ask for a copy of your contract. Under federal law, your credit card issuer is required to provide a copy of your contract upon request. Visa issuers are required to register all third-party agents they use to ensure compliance with third-party use rules and policies (TPAs). The TPA registration program helps visas and issuers better manage TPA relationships. The agreements to be put in place contain general terms, prices and information on fees. They are not specific to a person`s account information. When your credit card comes with a bonus program, details on how to earn and redeem points are listed in your credit card contract. Federal law requires credit card issuers to publish their contracts; find yours in this list. As a general rule, a merchant is not allowed to set a minimum or maximum amount for a visa transaction.

However, exceptions apply in U.S. and U.S. territories, such as Puerto Rico, the U.S. Virgin Islands and Guam. In these locations and only for credit cards, a merchant may require a minimum transaction amount of $10, and government agencies and education merchants can set a maximum transaction amount. If a merchant has refused to accept your Visa card on the grounds that the merchant requires a minimum or maximum amount on a Visa debit card or that the amount of a credit card is more than 10 $US, please inform your visa issuer. Visa rules stipulate that all Visa customers must meet the payment card data security standard of the payment card industry (PCI DSS).

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