funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold”
on those available funds until the merchant sends us the final payment amount of your purchase.
Once the final payment amount is received, the preauthorized amount on hold will be removed. It
may take up to seven (7) days for the hold to be removed. During the hold period, you will not have
access to the preauthorized amount.
You do not have the right to stop payment on any purchase or payment transaction originated by use of the
Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval
may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals
may result in a hold for that amount of funds for up to sixty (60) days.
If you use the Card number without presenting the Card (such as for a mail order, telephone, or Internet
purchase), the legal effect will be the same as if you had used the Card itself. Card Account restrictions
include but are not limited to: restricted geographic or merchant locations where there is a higher risk of
fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to
prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type,
amount, or number of transactions you can make on the Card. You may not use the Card for illegal online
gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the
restrictions or add new ones at any time. The Card cannot be redeemed for cash.
Each time you use the Card, you authorize us to reduce the available value of the Card Account by the
amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in
the Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction
exceeds the available balance of funds on the Card, you shall remain fully liable to us for the amount of the
transaction and any fees, if applicable.
Non-Visa Debit Transactions
New procedures are in effect that may impact you when you use the Card at certain merchant locations. In
the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if
you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a STAR
transaction.
Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit
transaction if they support the option. Please be advised that should you choose to use the STAR network
when making a transaction without a PIN, different terms may apply. Certain protections and rights
applicable only to Visa debit transactions as described in this Agreement will not apply to transactions
processed on the STAR network. Please refer to the paragraph labeled “Your Liability for Unauthorized
Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit
transactions.
To initiate a Visa debit transaction at the POS, swipe the Card through a POS terminal, sign the receipt, or
provide the 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa
debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Card number after
clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill
payment, mail order, telephone, or Internet purchases.
Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to
accept credits to the Card for such refunds and agree to the refund policy of that merchant. The Issuer nor
Program Manager are responsible for the delivery, quality, safety, legality or any other aspects of goods or
services that you purchase from others with a Card. All such disputes must be addressed and handled
directly with the merchant from whom those goods or services were provided.
Card Replacement
If you need to replace the Card for any reason, please contact 1-800-382-6870to request a replacement
Card. You will be required to provide personal information which may include the 16-digit Card number,
your full name, transaction history, copies of accepted identification, etc. There is a fee for replacing a lost,
stolen or damaged Card, see the “Fee Schedule” for details. A fee may also be assessed for expedited
delivery of an additional Card; for more information about the delivery options and applicable fees, see the
section labeled “Fee Schedule.”
For information on replacing an expired Card, see the section below labeled “Expiration.”!