Your account
Your agreements
Two documents govern your Splitit card. Read both to the end, then continue. You can always find them again under Account.
Cardholder Agreement
1. The agreement
[Legal/Compliance to supply: parties, acceptance, definitions — issuing bank, program manager, network.]
2. Your account and cards
[Legal/Compliance to supply: account terms, virtual cards, authorized cardholders and their limits, digital wallet use.]
3. Splits and payments
[Legal/Compliance to supply: how splits work, statement generation and due dates, AutoPay, payment application order.]
4. Fees and charges
[Legal/Compliance to supply: fee schedule; the monthly split fee, charged on the original purchase amount for the length of the plan; late/returned-payment treatment.]
5. Billing rights
[Legal/Compliance to supply: statutory billing-error rights notice — regulatory wording, do not paraphrase.]
6. E-sign consent
[Legal/Compliance to supply: consent to electronic records and signatures, withdrawal, hardware/software requirements.]
7. Reporting, default, and closure
[Legal/Compliance to supply: credit reporting, default, account closure, governing law, arbitration.]
Scroll to the end
Credit Score Disclosure
1. Your credit score
[Legal/Compliance to supply: the score used in this decision, the date it was obtained, and the scoring model and version.]
2. Where the score came from
[Legal/Compliance to supply: the consumer reporting agency that provided it, with address and toll-free number, and the statement that the agency did not make the decision and cannot explain it.]
3. The range it sits in
[Legal/Compliance to supply: the range of possible scores under this model, and where this score falls within it.]
4. What affected it most
[Legal/Compliance to supply: the key factors that adversely affected the score, in order of importance — no more than the number permitted by the model.]
5. How it was used
[Legal/Compliance to supply: risk-based pricing notice — that the score was used to set the terms of this account, and that those terms may be less favourable than terms offered to others.]
6. Your rights
[Legal/Compliance to supply: FCRA notice — the right to a free copy of the report, the right to dispute inaccurate or incomplete information, and how long the agency has to respond.]
7. If something looks wrong
[Legal/Compliance to supply: how to contact us, how to contact the reporting agency, and what happens while a dispute is open.]
Scroll to the end