Terms and conditions is the common name for the credit card document in which credit card companies describe in detail the credit card agreement and the credit card company practices.  This will be the rules and regulations being agreed to when the credit card applicant becomes a new credit card holder.  After a consumer fills out the credit card application and receives the new credit card in the mail, the first use of the credit card transforms these terms and conditions into a legal contract with the credit card company.

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