Interlace General Terms
Credit Card Account Opening Disclosures — US Customers
PAYPUGS CARDS SERVICES LTD
CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDIT (US Consumer)
Key Account Information
| How We Will Calculate Your Balance | We use a method called "average daily balance". See your Cardholder Agreement for more details. |
| Billing Rights | Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations. |
| Loss of Introductory APR | There is no interest chargeable to this Credit Card. |
| Variable APRs | There is no interest chargeable to this Credit Card. |
| Prime Rate | There is no interest chargeable to this Credit Card. |
Military Lending Act Disclosure
The following disclosure applies to persons covered by the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Cardholder Agreement
Last Updated: March 31, 2025
ARBITRATION CLAUSE NOTICE: PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.
This Paypugs Cards Services LTD Cardholder Agreement (“Agreement”) is a binding agreement between you (“you”) and Issuer including its affiliates, successors, and assigns (“Issuer,” “we”, “us,” or “Our”) that govern your use of the card account (“Account”) provided by Paypugs Cards Services LTD.
The Paypugs Cards Services LTD Card is provided to you on behalf of Paypugs Cards Services LTD in connection with your status as a Paypugs Cards Services LTD customer and pursuant to your separate User Agreement between you and Paypugs Cards Services LTD (the “User Terms”). The Issuer is not a party to the Paypugs Cards Services LTD User Terms and disclaims any liability for the performance of services covered therein.
Amendments
We reserve the right to amend this Agreement or impose additional obligations or restrictions on you at any time. We will provide notice of material changes as required by applicable law. Your continued use of the Card after receiving notice of an amendment constitutes your acceptance of the amended Agreement.
Balance Categories
“Balance Categories” are the different Account segments we may establish with unique pricing, grace periods or other terms. The Balance Categories of your Account include Purchases, and Special Offers. We reserve the right to decide which Balance Category applies for each Account transaction.
- Purchase: Property, rights, goods and services we allow you to purchase, rent, or otherwise obtain directly from merchants and vendors by using your Card.
- Special Offer: Promotional transactions designated by us with specific terms at the time of the offer.
Your Information
You agree to provide us with accurate, current, and complete information about yourself and to update that information as needed. This includes your name, address, date(s) of birth, employment and income information, and your Social Security number(s) or other government identification number(s).
We may restrict or close your Account if we are unable to verify your information, if you do not provide the additional information we request, or at our sole discretion.
TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES US TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN ACCOUNT. WHEN YOU OPEN AN ACCOUNT, WE WILL ASK FOR YOUR NAME, ADDRESS, EMPLOYER IDENTIFICATION NUMBER AND OTHER INFORMATION THAT WILL ALLOW US TO IDENTIFY YOU. WE MAY ALSO ASK TO SEE A COPY OF YOUR DRIVER'S LICENSE OR OTHER IDENTIFICATION DOCUMENTS.
Non-US Customers
If you are not a US customer, these terms do not apply to you. Please refer to the Interlace General Terms for Non-US Customers instead.