Telephone Consumer Protection ACT (TCPA)

The Telephone Consumer Protection Act is designed to set guidelines for telephone solicitations and notifications and to set restrictions on the use of automated telephone equipment. Some of the attributes of TCPA includes provisions to honor the wishes of those on the national  "Do Not Call" registry, what time of day members may be contacted (between 8 a.m. and 9 p.m. local time) and more.

From time to time, we may attempt to contact our members to share specific possible fraudulent transactions and other information on your accounts and discuss products and services that may help improve your lives. New members agree to this by providing their telephone number, which is optional.

CONSENT TO CONTACT - By signing or otherwise authenticating an Account Card, you agree we and/or our third-party providers, including debt collectors, may contact you by telephone or text message at any telephone number associated with your account, including wireless telephone numbers (i.e. cell phone numbers) which could result in charges to you, in order to service your account or collect any amounts owed to us, excluding any contacts for advertising and telemarketing purposes as prescribed by law. You further agree methods of contact may include use of pre-recorded or artificial voice messages, and/or use of an automatic dialing device. You may withdraw the consent to be contacted on your wireless telephone number(s) at any time by any reasonable means. If you have provided a wireless telephone number(s) on or in connection with any account, you represent and agree you are the wireless subscriber or customary user with respect to the wireless telephone number(s) provided and have the authority to give this consent. Furthermore, you agree to notify us of any change to the wireless telephone number(s) which you have provided to us.

MONITORING AND RECORDING COMMUNICATIONS - We may monitor and record communications between you and us, including telephone conversations, electronic messages, electronic records, or other data transmissions that affect your accounts or other products and services. Except as otherwise prohibited by applicable law, you agree we may monitor and record such communications without your approval or further notice to you.