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Agreement
Explanation:
A legal agreement between a financial institution and yourself. For example, your credit card company will send you a card holder agreement that describes the terms that apply to your card, including the interest rate charged, method of calculating interest, and any transaction fees. Sometimes called Card Holder Agreement, Terms and Conditions, or Disclosures.
Our Thoughts:
If it is hard to find the terms and conditions before you apply for credit, you might consider applying with a different financial institution.