Support a Consumer-Friendly Project
A few of us here at Warren Reports are collecting credit card contracts for research purposes. The "contracts" are the fine-print "terms and conditions" that form the cardholder agreements you receive with your credit cards. Unfortunately, credit card companies are extremely unwilling to provide copies of these cardholder agreements until after a consumer has applied for a card and been accepted for a new line of credit. (This certainly raises issues about the validity of the contracts, but that's a topic for another day!)
We're asking for your help. Please send us copies of any and all cardholder agreements for your various lines of revolving credit. These can be major bank cards, store credit cards, etc. We're also interested in seeing updates to these cardholder agreements, which usually take the form of disclosures about lender-initiated term changes and the related opt-out notices.
You can scan the papers in and email the digital versions (in any standard text or image file format) to: CreditContracts(at)gmail.com.
Thanks for your help! We will periodically re-post this request over the coming weeks.
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