Barclays Cardmember Agreement

Note for married residents of Wisconsin: No provision of a conjugal property agreement, any unilateral statement pursuant to Section 766.59 of the Wisconsin Statutes, or a court order under Section 766.70, adversely affects the interests of the creditor, barclays Bank Delaware, unless the bank is affected before the date the loan is granted or an open credit plan is entered into. has received a copy of the agreement, declaration or decree or has effective knowledge of the unfavourable provision. IF I AM MARRIED IN WISCONSIN, A CREDIT GRANTED UNDER THIS ACCOUNT IS GRANTED IN THE INTEREST OF MY MARRIAGE OR FAMILY. Your phone number: By providing us with a number(s) at the time of your application or at any time thereafter, you authorize Barclays and its affiliates, representatives and independent contractors to contact you about your account under that number by any means of communication, including, but not limited to, calls sent to your mobile phone, mobile phone or any other phone via an automated calling service, pre-recorded messages or text messages. Standard charges may be generated for text messages and/or calls. About your application and this offer: Based on our review of your application and credit history or if the income you have reported is not sufficient due to your current commitments, we may not be able to open an account for you. You also understand that if your application is accepted for an account, the annual effective rate and the type of account you receive are determined on the basis of your creditworthiness. Please read the material provided with your card agreement for more details. The omission of information requested in this application may lead to a refusal of credit. This offer applies only to applicants who are permanently resident in the United States, with the exception of Puerto Rico.

This offer may not be available to you if you have or already have a credit card account with us. About your credit information and credit performance: you agree that Barclays has the right to obtain up-to-date credit information associated with our review of your application and then a charge requested on an account with us, renewal of your account or a change to your line of credit; and that we have the right to report our credit experience with you to others. At your request, we insist on the name and address of each consumer information agency from which we have received a consumption report on you. After opening your account, we regularly check your credit performance. If you do not maintain your credit, we may change your account terms. A transfer can take up to 4 weeks before a transfer is made to your other credit card accounts….