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Available to Account holders. Only players who deposited within the last 7 days will be eligible for the bonus. Your monthly billing statement will list the Payment Due Date.

It will usually be the same day of each month, at least 25 days after closing of the billing cycle shown on the billing statement.

The minimum amount you must pay each billing cycle, as shown on your billing statement. You agree to pay at least the Minimum Payment when due.

The Minimum Payment will include any past due amounts and the total of any amount charged in excess of your credit limit. We may offer you, at our option, to skip a Minimum Payment for certain billing cycles.

If you decide to skip a payment we will continue to accrue Interest Charges on the unpaid balance of your Account during that period. However, you can always make a payment for any amount.

At the end of the skip a payment period, the terms of the Agreement regarding the required Minimum Payment will automatically resume.

We will apply your Minimum Payment in the following order: Consequently, the balance with the higher APR will not be reduced, until the balance with the lower APR is paid in full.

If you pay an amount in excess of the Minimum Payment, the excess will be applied to balances with the highest APRs first.

We may reject and return to you any payment that creates a credit balance on your Account. If we allow any credit balance in your Account due to any inadvertent overpayment, you may request a refund of credit balances at any time.

We will not pay interest on any credit balance in your Account. If no refund is requested, we will apply credit balances to new transactions, unless prohibited by law.

If you do not make new transactions within days, we will send you a refund. We treat any daily balance that is a credit balance as a zero balance.

We calculate the Average Daily Balance by adding all of the Daily Balances for each day in the billing period and then dividing by the total number of days in the billing period.

An annualized interest rate. Your APRs are variable. They increase or decrease with the Prime Rate. The margin applicable to your Transaction types will depend on your credit worthiness at the time of approval of your application and will be set at the time of approval of your application.

We may change the margins from time to time for new transactions with notice to you. We calculate interest using the daily periodic rate.

For example, we add Interest Charges on Purchases to the Purchases balance. We multiply the result by the number of days in the billing cycle.

That gives us the total Interest Charges for that transaction type for that billing period. Cash Advance, Balance Transfer, and Convenience Check fees are added to their corresponding balances, as applicable, and all other fees are added to the Purchases balance.

If you pay late, or you pay less than the Minimum Payment, we may charge you a late payment fee in the amount set forth on the Account Opening Disclosures.

In no event will your late payment fee exceed the amount of your Minimum Payment due. If we do not receive any Minimum Payment within 60 days of the Payment Due Date, the Penalty APR will apply to all outstanding balances, as well as to future transactions.

We may charge a returned payment fee in the amount set forth on the Account Opening Disclosures. If applicable, the Annual Fee will be reflected in your first billing statement after the first Card is issued and subsequently on each anniversary of the issuance of the Card.

You can request that a new or replacement Card be sent to you on an expedited basis. After that, any reason. None for Introductory APR expiration.

Other increases 45 days. For Iowa 60 days. Up to 45 days for certain fee and Minimum Payment changes. Contact us immediately and stop using your Account.

Contact us at the address or telephone number listed on your billing statement or Card. You will not be liable for any unauthorized use that occurs after you notify us.

You may, however, be liable for unauthorized use that occurs before your notice to us. We may also ask you to provide us updated financial information about you, and you agree to do so.

If you do so, you acknowledge that we are not a provider of the Wallet, we do not control the device and we are not responsible for any failure or inability to perform a transaction using the Wallet.

We are only responsible for supplying information securely to the Wallet provider to allow usage of your Card in the Wallet.

We reserve the right to define product eligibility. You agree that any such use of your Account will be subject to all the terms and conditions contained in this Agreement.

For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet.

You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your Account with us, including Account servicing and collection purposes.

We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.

You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you.

You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device.

You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your Accounts. You agree to take every precaution to ensure the safety, security and integrity of your Account and transactions when using the Wallet.

Except as otherwise required by law, we may at our sole discretion change these terms, and modify or cancel the eligibility to use your Card with a Wallet service at any time, without notice.

You cannot change these terms but you can terminate them by removing your Card from the Wallet.

We reserve the right to refuse any transaction for any reason. You expressly understand and agree that your use of a Mobile Wallet Service is at your sole risk.

We make no representation or warranty as to the completeness, accuracy, reliability, or currency of any information or data that you obtain through the use of a wallet.

An Account will be in default if: If your Account is in default, we may close your Account or terminate or suspend your credit privileges without notice and require full payment of your outstanding balance immediately.

We can also begin collection activities. This Agreement contains an Arbitration Provision immediately below. Within 90 days after the date we open your Account, you may elect to reject the Arbitration Provision by providing a written notice of your intention to do so to the address: Box , San Juan, Puerto Rico Unless you submit your rejection or to the extent permitted by applicable law, the Arbitration Provision will have a substantial impact on how any legal claims we have against each other are resolved if either you or we elect arbitration.

For example, disputes subject to arbitration are decided by a neutral arbitrator and not a judge or jury. This Arbitration Provision will not apply to, or be enforceable against, covered borrowers under the protection of the Military Lending Act.

Contacting Arbitration Administrators If you have a question about the arbitration administrators mentioned in this Arbitration Provision or would like to obtain a copy of their Arbitration Rules or fee schedules, you can contact them as follows: You may close your Account at any time by notifying us either in writing at the address shown on your billing statement or by phone at the number provided on your billing statement.

We will not honor any Convenience Check or authorize any transactions after your Account is closed. We may close your Account or terminate your credit privileges at any time for any reason, subject to applicable law.

If we do so, you may not use your Card or any checks we have issued. In either case, You remain responsible for any balance on your Account, which will continue to accrue Interest Charges and fees and remain subject to all terms of this Agreement.

We may send Cards, billing statements, and other communications to you at any mailing or email address in our records.

We may also send an email to any address where we reasonably believe we can contact you. By providing a telephone number for a cellular telephone, other wireless device, or a landline number that is later converted to a wireless device, you are expressly consenting to receiving communications at that number, including, but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from Banco Popular and its affiliates, agents or assigns.

If the wireless device is not registered in your name, you represent that you are its primary user and have the authority to provide this consent.

This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls regardless of their purpose.

Some of the legal purposes for calls and messages include: These calls and messages may incur access fees from your cellular provider.

You must notify us immediately of any changes to your contact information using the address or phone number shown on your billing statement.

We may obtain and review your credit history or other information about you from credit reporting agencies and others, including in connection with the processing, establishment, servicing and collection of your Account.

We may also obtain additional credit reports or other information about you in connection with the same transaction or extension of credit, for the purpose of reviewing your Account, increasing the credit line on your Account, for the purpose of taking collection action on your Account, or for other legitimate purposes associated with your Account.

You may ask whether a credit report was obtained by us and we will tell you the name and address of the credit reporting agency, if a report was obtained.

We may also provide information about your Account to credit reporting agencies and others. A negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

We may provide information to credit reporting agencies about this Account in the name of an authorized user. If you think we provided incorrect information, write to us at the address provided on your billing statement and we will investigate.

We may choose to delay enforcing or waive any of our rights under this Agreement. We can delay enforcing or waive any of our rights without affecting our other rights.

If we waive a right, we do not thereby waive the same right in other situations. This Agreement and the Account will be governed by federal law, and to the extent state or territorial law is applicable, the laws of the Commonwealth of Puerto Rico, and these laws will apply no matter where you live or use this Account.

We may change or terminate all or any part of this Agreement, including APRs and fees, at any time. We may also add new terms or delete terms.

Any changes will be in accordance with applicable law, and we will provide notice as required by law. We may sell, assign or transfer the Agreement and the Account or any portion thereof without notice to you, and the purchaser, assignee, or transferee shall have the same rights as we do under this Agreement.

You may not sell assign, or transfer the Account. Except as specifically provided in the arbitration section above, if any provision of this Agreement is finally determined to be void or unenforceable under any law, rule or regulation, all other provisions of this Agreement will remain valid and enforceable.

Banco Popular may restrict use of your Card in any jurisdiction or country where such use would be contrary to U. You borrower agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished paid to us by your employer , as provided by Florida and Federal law.

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